Exhibit 99.21
| Client Name: | ||||
| Client Project Name: | GCAT 2026-CES1 | |||
| Start - End Dates: | 8/25/2025 - 12/10/2025 | |||
| Deal Loan Count: | 497 | |||
| Conditions Report 2.0 | ||||
| Loans in Report: | 497 | |||
| Loans with Conditions: | 102 | |||
| 0 - Total Active Conditions | ||||||
| 149 - Total Satisfied Conditions | ||||||
| 55 - Credit Review Scope | ||||||
| 1 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: Application | ||||||
| 6 - Category: Credit/Mtg History | ||||||
| 2 - Category: DTI | ||||||
| 11 - Category: Income/Employment | ||||||
| 7 - Category: Insurance | ||||||
| 8 - Category: Legal Documents | ||||||
| 3 - Category: Potential Misrepresentation | ||||||
| 5 - Category: Terms/Guidelines | ||||||
| 10 - Category: Title | ||||||
| 1 - Property Valuations Review Scope | ||||||
| 1 - Category: Property | ||||||
| 93 - Compliance Review Scope | ||||||
| 7 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 7 - Category: Compliance Manual | ||||||
| 6 - Category: Documentation | ||||||
| 1 - Category: Federal Consumer Protection | ||||||
| 1 - Category: Federal Higher-Priced | ||||||
| 9 - Category: RESPA | ||||||
| 4 - Category: Right of Rescission | ||||||
| 3 - Category: Section 32 | ||||||
| 19 - Category: State Consumer Protection | ||||||
| 2 - Category: State High Cost | ||||||
| 2 - Category: Texas Home Equity | ||||||
| 32 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 37 - Total Waived Conditions | ||||||
| 1 - Credit Review Scope | ||||||
| 1 - Category: DTI | ||||||
| 36 - Compliance Review Scope | ||||||
| 36 - Category: Texas Home Equity | ||||||
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| Conditions Report 2.0 | |||
| Loans in Report: | 497 | ||
| Loans with Conditions: | 102 | ||
| Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | Condition Sub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors |
| GCAT2026CES1001858 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 66.68% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 81 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10.17 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 29 years | |||||||||||||||
| GCAT2026CES1001859 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL5773 | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide the REO mortgage statement for the 1st mortgage | 11/20 Client provided the mortgage stmt | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 38 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 39.65% below guideline requirement of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 5.5 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 9.33 years |
| GCAT2026CES1001859 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Provide the 1008 | 11/20 Client provided the 1008 | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 38 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 39.65% below guideline requirement of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 5.5 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 9.33 years |
| GCAT2026CES1001860 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $420.00 for zero tolerance fees.An Appraisal Fee was added to the LE dated 09/12/2025 in the amount of $470.00. The fee was then lowered to $420 on the Initial CD dated 09/26/2025. | 10/16/25 Client provided a 10/15 PCCD with Lender Credit cure of $436 for the $420 Appraisal tolerance violation and $16 Recording Fee violation. Condition remains. The original Lender Credit of $316.67 was incorrectly removed (for the Transfer Tax tolerance violation at Closing). Lender to provide a corrected PCCD reflecting the total cure credit of $752.67, along with a copy of the new $436 refund check, LOE to borrower and proof of delivery that includes tracking information.10/16/25 Client provided the 10/15 LOE to borrower. Condition remains. Provide a corrected PCCD reflecting the total cure credit of $752.67, along with a copy of the new $436 refund check and proof of delivery that includes tracking information.10/23/25 Client provided a duplicate copy of the 10/15 PCCD, LOE to borrower, $436 refund check and shipping label. Condition remains. The PCCD was not corrected to reflect the total Lender Credit "cure" of $752.67 and the tracking shows only the label has been created (not shipped). Provide a corrected PCCD reflecting Lender cure Credit of $752.67 and proof the package has been shipped.11/06/2025 11/06/2025 Client provided Shipping label verified delivered and again, a duplicate PCCD 10/15 and LOE. Condition remains. Provide the corrected PCCD reflecting the total Lender cure Credit of $752.67 and evidence of shipment.11/12/25 Client provided an LOE from Lender stating the calculated lender credit given at closing was 436.00. City/State tax not originally disclosed 316.37 and increased fees (screenshot showing 436.00 required cure amount). LE and CD the appraisal fee was always disclosed from the beginning (screenshot showing the $470 Appraisal Fee from the Revised LE). Condition remains. The baseline for fees was the Initial 8/22 LE which does not reflect any Appraisal Fee. The $470 was added on the Revised 9/12 LE without a valid COC. The cure of $436 was for the $420 Appraisal Fee and $16 Recording Fee violations. Lender cured the $316.67 violation for the Transfer Taxes on the Final CD, however this cure amount was removed incorrectly when the PCCD was issued for the remaining $436 cure needed. Lender to provide borrower with a corrected PCCD reflecting the full $752.67 tolerance cure verbiage along with an LOE and shipment.11/14/25 Client provided an LOE to borrower, tracking and corrected PCCD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 63.48% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 32.56% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 6 years |
| GCAT2026CES1001860 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $16.00 for ten percent tolerance fees.Recording fees increased from $40.00 to $60.00 on the Final CD dated 09/30/2025. | 10/16/25 Client provided a 10/15 PCCD with Lender Credit cure of $436 for the $420 Appraisal tolerance violation and $16 Recording Fee violation. Condition remains. The original Lender Credit of $316.67 was incorrectly removed (for the Transfer Tax tolerance violation at Closing). Lender to provide a corrected PCCD reflecting the total cure credit of $752.67, along with a copy of the new $436 refund check, LOE to borrower and proof of delivery that includes tracking information.10/16/25 Client provided the 10/15 LOE to borrower. Condition remains. Provide a corrected PCCD reflecting the total cure credit of $752.67, along with a copy of the new $436 refund check and proof of delivery that includes tracking information.10/23/25 Client provided a duplicate copy of the 10/15 PCCD, LOE to borrower, $436 refund check and shipping label. Condition remains. The PCCD was not corrected to reflect the total Lender Credit "cure" of $752.67 and the tracking shows only the label has been created (not shipped). Provide a corrected PCCD reflecting Lender cure Credit of $752.67 and proof the package has been shipped.11/06/2025 Client provided Shipping label verified delivered and again, a duplicate PCCD 10/15 and LOE. Condition remains. Provide the corrected PCCD reflecting the total Lender cure Credit of $752.67 and evidence of shipment.11/12/25 Client provided an LOE from Lender stating the calculated lender credit given at closing was 436.00. City/State tax not originally disclosed 316.37 and increased fees (screenshot showing 436.00 required cure amount). LE and CD the appraisal fee was always disclosed from the beginning (screenshot showing the $470 Appraisal Fee from the Revised LE). Condition remains. The baseline for fees was the Initial 8/22 LE which does not reflect any Appraisal Fee. The $470 was added on the Revised 9/12 LE without a valid COC. The cure of $436 was for the $420 Appraisal Fee and $16 Recording Fee violations. Lender cured the $316.67 violation for the Transfer Taxes on the Final CD, however this cure amount was removed incorrectly when the PCCD was issued for the remaining $436 cure needed. Lender to provide borrower with a corrected PCCD reflecting the full $752.67 tolerance cure verbiage along with an LOE and shipment.11/14/25 Client provided an LOE to borrower, tracking and corrected PCCD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 63.48% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 32.56% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 6 years |
| GCAT2026CES1001860 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Provide an estoppel letter closing the HELOC to future draws. | 10/16/2025 client provided HELOC close letter. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 63.48% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 32.56% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 6 years |
| GCAT2026CES1001860 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Provide copy of Title | 10/27/2025 client provided title report. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 63.48% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 32.56% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 6 years |
| GCAT2026CES1001861 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 57.86% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 12.08 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 20.75 years | |||||||||||||||
| GCAT2026CES1001862 | 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 at 43.19% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 47 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 29.64% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 24 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 7.5 years | |||||||||||||||
| GCAT2026CES1001863 | 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: 791 credit score exceeds the 760 minimum guideline requirement by 31 points. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 31 month mortgage payment history exceeds the 12 month minimum guideline requirement by 19 months. | |||||||||||||||
| GCAT2026CES1001864 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 credit score exceeds the 680 minimum guideline requirement by 123 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35% DTI is 10% below the maximum guideline requirement of 45%. | |||||||||||||||
| GCAT2026CES1001865 | 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: 796 credit score exceeds the 760 guideline requirement by 36 points. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for 24 years. | |||||||||||||||
| GCAT2026CES1001866 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing 2 years employment history for Co-borrower. 1003 reflects started new job on 4/29/2024. | 11/26 Client provided Email with Prior employment lay off date 4/23 with severance through 10/24; and Provided updated 1003 with full employment history for 2 years | SAtisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 69.89% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 41 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35.34% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 15.83 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 36.33 years |
| GCAT2026CES1001867 | 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 | CMPTRID5115 | TRID - Closing Disclosure: The Creditors Brokers or Contact persons NMLS or State ID is missing | No | All CD's- Contact Information- Lender's Contact name and NMLS/ State ID are missing. | 11/18/25 Client provided 2 copies of a corrected 11/17 PCCD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 74.95% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.23% below guideline requirement of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 20.8 years |
| GCAT2026CES1001868 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 65.81% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 27.04% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 25 years | |||||||||||||||
| GCAT2026CES1001869 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 42 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.18% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11.17 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 7 years | |||||||||||||||
| GCAT2026CES1001870 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Missing IL Cert of Compliance or Cert of Exemption | 11/14/25 Client provided the Housing Counseling Decision Report. Condition remains. Provide the IL Certificate of Compliance or Exemption that is recorded with the Mortgage.11/19/25 Client provided the recorded Mortgage with the IL Cert of Exemption. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 31.56% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 13 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 9.17 years |
| GCAT2026CES1001871 | 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 at 40.21% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 52 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35.90% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 13.75 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 13.5 years | |||||||||||||||
| GCAT2026CES1001872 | XXXXXX | CA | 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 | Documentation | Satisfied | D | A | D | A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage | 11/19/25 Client provided the fully executed Deed of Trust. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 55.90% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 36.66% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 16 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 10.5 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 35.08 years |
| GCAT2026CES1001872 | XXXXXX | CA | 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 | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD's dated 10/27/2025 and 11/03/2025- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 11/19/25 Client provided an LOE and corrected 11/17 PCCD. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 55.90% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 36.66% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 16 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 10.5 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 35.08 years |
| GCAT2026CES1001872 | XXXXXX | CA | 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 | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated 10/27/2025 and 11/03/2025 reflect $0 for Estimated Taxes, Insurance & Assessments in the Projected Payments section. For junior liens, disclosure of the first lien Taxes, Insurance & Assessments is required. | 11/19/25 Client provided an LOE and corrected 11/17 PCCD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 55.90% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 36.66% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 16 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 10.5 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 35.08 years |
| GCAT2026CES1001872 | XXXXXX | CA | 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 | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated 10/27/2025 and 11/03/2025- Loan Disclosures- Escrow Account- You will not have an escrow account is indicated, but Estimated Property Costs over Year 1 = $0 | 11/19/25 Client provided an LOE and corrected 11/17 PCCD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 55.90% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 36.66% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 16 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 10.5 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 35.08 years |
| GCAT2026CES1001873 | 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: Borrower has been at current residence for 14 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 52.65%below guideline requirements 75.0%. | |||||||||||||||
| GCAT2026CES1001874 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 66.28% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 27.91% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 10 years | |||||||||||||||
| GCAT2026CES1001875 | 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 of 79.36% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 44 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.38% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 22.92 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 23.5 years | |||||||||||||||
| GCAT2026CES1001876 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide an ATR/QM status determination form. | 11/12/25 Client provided the 11/3 Mavent reflecting QM Safe Harbor. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 30% DTI is 15% below the maximum guideline requirement of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 credit score exceeds the 680 minimum guideline requirement by 117 points. |
| GCAT2026CES1001877 | XXXXXX | PA | 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 | Documentation | Satisfied | D | A | D | A | CMPDOC5551 | Missing sufficient documentation to determine the QM Fee limit, QM APR and/or TIL/State Higher-Priced APR or State regulation fee tests | No | Missing all CD's. Missing sufficient documentation to determine the QM Fee limit, QM APR and/or TIL/State Higher-Priced APR or State regulation fee tests | 11/11/2025 Client provided a duplicate of LE 8/20, copy of LE 9/9, CD's 9/15 and 9/17. | Condition Satisfied. | Hybrid | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 43 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 12 years |
| GCAT2026CES1001877 | XXXXXX | PA | 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 | Documentation | Satisfied | D | A | D | A | CMPDOC5553 | Missing sufficient documentation to determine High Cost Fees and APR Limits | No | Missing all CD's. Missing sufficient documentation to determine High Cost Fees and APR Limits | 11/11/2025 Client provided missing CD's 9/15 and 9/17. | Condition Satisfied. | Hybrid | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 43 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 12 years |
| GCAT2026CES1001877 | XXXXXX | PA | 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 | Federal Consumer Protection | Satisfied | C | A | C | A | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | Missing Final CD to input Disbursement Date. Cannot determine whether borrower was provided their full rescission period | 11/11/2025 Client provided the missing Final CD 9/17. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 43 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 12 years |
| GCAT2026CES1001877 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | ** Review of CD 9/15, was e-signed by Borrower on 9/11, which is prior to the issuance of the Disclosure. Provide the Initial CD Issued and acknowledged by both Borrower and Non-Borrower a minimum of 3 business days prior to Consummation. | 12/01/2025 Client provided missing Initial CD 9/11 e-signed by Borrower 9/11. No change to product or product features. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 43 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 12 years |
| GCAT2026CES1001877 | XXXXXX | PA | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | ** Review of CD 9/15, was e-signed by Borrower on 9/11, which is prior to the issuance of the Disclosure. Provide the Initial CD Issued and acknowledged by both Borrower and Non-Borrower a minimum of 3 business days prior to Consummation. | 12/01/2025 Client provided missing Initial CD 9/11 e-signed by Borrower 9/11. Condition remains for acknowledgement of receipt by NBS a minimum of 3 business days prior to consummation. 12/03/2025 Client not able to provide evidence of Non-Borrowing Title Holder receipt of the Initial CD 9/11, however received the Final CD and required rescission period at closing. | Satisfied 2B. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 43 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 12 years |
| GCAT2026CES1001877 | XXXXXX | PA | 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 | 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 | ** Review of disclosures provided. Zero tolerance of $94.80. Lender credit cure $224.00 applied toward 10% tolerance of 123.80 and remainder applied toward $195.00 Zero tolerance, resulting in remaining $94.80. Provide a valid reason COC and Interest Rate lock for changes made on LE 9/9 or provide PCCD with additional cure, copy of the cure check, LOE to Borrower and evidence od delivery via tracking. | 12/01/2025 Client provided PCCD 11/25 with additional cure, copy of cure check, LOE and delivered shipping label. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 43 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 12 years |
| GCAT2026CES1001877 | XXXXXX | PA | 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 | CMPTRID3496 | TRID - Closing Disclosure Missing | No | Missing all revised LE's, COC's, and CD's. Per Mavent report, missing LE dated 09/09/2025, Initial CD dated 09/11/2025, and Final CD dated 09/17/2025. | 11/11/2025 Client provided a duplicate of LE 8/20, copy of LE 9/9, CD's 9/15 and 9/17. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 43 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 12 years |
| GCAT2026CES1001878 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 99 month mortgage payment history exceeds the 12 month minimum guideline requirement by 87 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for 21 years. | |||||||||||||||
| GCAT2026CES1001879 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD dated 11/03/2025- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 11/20/25 Client provided a COC and corrected 11/19 PCCD. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 61.06% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 18.2 years |
| GCAT2026CES1001879 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD dated 11/03/2025 reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. | 11/20/25 Client provided a COC and corrected 11/19 PCCD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 61.06% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 18.2 years |
| GCAT2026CES1001879 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD dated 11/03/2025 Loan Disclosures- Escrow Account - Estimated property costs over 1 year reflect $0.00. | 11/20/25 Client provided a COC and corrected 11/19 PCCD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 61.06% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 18.2 years |
| GCAT2026CES1001879 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | C | A | C | B | C | B | A | A | C | A | C | B | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP2674 | Property Issues Indicated 2 | No | Provide a Property Condition Inspection. | 11/18 Client provided the property inspection | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 61.06% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 18.2 years |
| GCAT2026CES1001880 | 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: 45% CLTV is 45% below the maximum guideline requirement of 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 credit score exceeds the 680 minimum guideline requirement by 140 points. | |||||||||||||||
| GCAT2026CES1001881 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 17 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 24 years on current job | |||||||||||||||
| GCAT2026CES1001882 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing 2023 personal tax returns and tax transcripts to support grossing up of Social Security income. | 11/25 Client provided 1040s and transcripts for 2023 supporting SS income | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 710 credit score exceeds the 680 minimum guideline requirement by 30 points. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 56 month mortgage payment history exceeds the 12 month minimum guideline requirement by 44 months. |
| GCAT2026CES1001883 | 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 at 75.70% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 23.19% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 9.5 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 19.25 years | |||||||||||||||
| GCAT2026CES1001884 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD's dated 11/03/2025 and 11/05/2025- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 11/24/2025 Client provided the Escrow Waiver form. Condition remains. It is proper to disclose the Taxes, Assessments and Insurance amounts in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Provide corrected PCCD with a copy of the LOE to the Borrower explaining changes. 12/02/2025 Client provided PCCD 11/26 and LOE, however the Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected. Condition remains. Provide corrected PCCD to Borrower.12/03/2025 Client provided PCCD with final correction. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 61.21% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.67% below guideline requirement iof 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11.17 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 13.33 years |
| GCAT2026CES1001884 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated 11/03/2025 and 11/05/2025 reflect $0.00 for estimated taxes, insurance and assessments in the projected payment section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. | 11/24/2025 Client provided the Escrow Waiver form. Condition remains. It is proper to disclose the Taxes, Assessments and Insurance amounts in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Provide corrected PCCD with a copy of the LOE to the Borrower explaining changes. 12/02/2025 Client provided PCCD 11/26 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 61.21% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.67% below guideline requirement iof 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11.17 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 13.33 years |
| GCAT2026CES1001884 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated 11/03/2025 and 11/05/2025- Loan Disclosures- Escrow Account- You will not have an escrow account is indicated, but Estimated Property Costs over Year 1 = $0 | 11/24/2025 Client provided the Escrow Waiver form. Condition remains. It is proper to disclose the Taxes, Assessments and Insurance amounts in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Provide corrected PCCD with a copy of the LOE to the Borrower explaining changes. 12/02/2025 Client provided PCCD 11/26 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 61.21% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.67% below guideline requirement iof 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11.17 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 13.33 years |
| GCAT2026CES1001884 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL5773 | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Missing monthly mortgage statement for 1st lien. | 11/19 Client provided Notes with taxes and ins | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 61.21% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.67% below guideline requirement iof 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11.17 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 13.33 years |
| GCAT2026CES1001884 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing 1008 | 11/19 Client provided the 1008 | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 61.21% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.67% below guideline requirement iof 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11.17 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 13.33 years |
| GCAT2026CES1001885 | XXXXXX | MT | 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 | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Missing signed final 1003. | 12/02/2025 client uploaded signed final 1003 | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 14% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history |
| GCAT2026CES1001885 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | P&L and Balance sheet in file is not signed by borrower. Provide signed copies. | 12/02/2025 client uploaded signed P&L. Condition remains for signed Balance sheet.12/02/2025 client uploaded signed balance sheet. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 14% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history |
| GCAT2026CES1001886 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 50 months mortgage payment history exceeds the 12 month minimum guideline requirement by 38 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for 5 years and 2 months. | |||||||||||||||
| GCAT2026CES1001887 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 84.5% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 44 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.95% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7.17 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 5 years | |||||||||||||||
| GCAT2026CES1001888 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof initial CD was received by borrower 3 days before consummation date of XXX | 12/04/2025 Client provided Disclosure tracking reflecting Initial CD 11/14 received by both on 11/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 73.30% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 80 months exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10.92 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 24.75 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 21.83 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 4.75 years |
| GCAT2026CES1001889 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.37% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 13.17 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 13 years | |||||||||||||||
| GCAT2026CES1001890 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 30% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8 years at current job | |||||||||||||||
| GCAT2026CES1001891 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 9 years at current residence | |||||||||||||||
| GCAT2026CES1001892 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 60.88% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 52 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 22.17 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 11.5 years | |||||||||||||||
| GCAT2026CES1001893 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 72.31% below guideline requirements of 85%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 47 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 30.76% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7.25 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 9.5 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 5.33 years | |||||||||||||||
| GCAT2026CES1001894 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 26.67 years | |||||||||||||||
| GCAT2026CES1001895 | 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: 755 credit score exceeds the 700 minimum guideline requirement by 55 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: 59% CLTV is 21% below the maximum guideline requirement of 80%. | |||||||||||||||
| GCAT2026CES1001896 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 75 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 40.69% below guideline requirement of 45% | |||||||||||||||
| GCAT2026CES1001897 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof Final LE dated 11/10/2025 was received by borrower 1 day before the issue date of the Initial CD dated 11/14/2025. | 12/04/2025 Client provided a duplicate of the Last LE 11/10 e-signed on 11/10. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is 10% below the maximum guideline requirement of 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 55 month mortgage payment history exceeds the 12 month minimum guideline requirement by 43 months. |
| GCAT2026CES1001897 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 45% | No | DTI can exceed 45% with the 725 fico and LTV 5% below maximum allowed CLTV of 85%. CLTV on this transaction is 70%. | 12/3 Client provided the Title | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is 10% below the maximum guideline requirement of 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 55 month mortgage payment history exceeds the 12 month minimum guideline requirement by 43 months. |
| GCAT2026CES1001897 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Unable to locate title report. | (No Data) | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is 10% below the maximum guideline requirement of 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 55 month mortgage payment history exceeds the 12 month minimum guideline requirement by 43 months. |
| GCAT2026CES1001898 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 credit score exceeds the 700 minimum guideline requirement by 28 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: 58% CLTV is 17% below the maximum guideline requirement of 75%. | |||||||||||||||
| GCAT2026CES1001899 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x24 exceeds mortgage history guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 672 > is above guideline minimum credit score 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 49.20% is 25.80 points below the program guideline maximum 75%. | |||||||||||||||
| GCAT2026CES1001900 | 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: Fico score 733 exceeds guide lines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0X33 mortgage payment history exceeds guide lines of 24 months. | |||||||||||||||
| GCAT2026CES1001901 | XXXXXX | KS | 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; 6 years and 6 months CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job; 11 years and 8 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.65% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| GCAT2026CES1001902 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.80 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1001903 | 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 of 61.07 is less that the max of 80. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: On job since 12/21/2000. | |||||||||||||||
| GCAT2026CES1001904 | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 789 exceeds guide lines. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.77% is below lender's guide line maximum of 45%. | |||||||||||||||
| GCAT2026CES1001905 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have minimal use of revolving credit | |||||||||||||||
| GCAT2026CES1001906 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 73.46%; guidelines allow 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 729 is above minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.88%; guidelines allow 45% | |||||||||||||||
| GCAT2026CES1001907 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 25 years and 1 month CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 21 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 44.30% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 761 is 101 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.15% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| GCAT2026CES1001908 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | B | A | C | A | C | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH Home Mortgage Information Document | 12/04/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 09/29. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 719 > is above guideline minimum credit score 700. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 23 years. |
| GCAT2026CES1001908 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | B | A | C | A | C | A | A | A | B | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing income documents to support Borrower 2 income provide paycheck stub, 2 years of w-2's or WVOE. | 12.4.2025 Client provided Work Number Written VOE dated 10.28.2025 covering YTD 2025 and prior two years (2024/2023) earnings for B2 supporting monthly base income used for qualifying and provided 2024/2023 w2's and YTD 2025 paystub | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 719 > is above guideline minimum credit score 700. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 23 years. |
| GCAT2026CES1001909 | 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: 25yrs time at current residence | |||||||||||||||
| GCAT2026CES1001910 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance testing failed by $100.00 due to the addition of Title Examination Fee without valid Change Reasons documented in the file. No evidence of a cure Credit at Closing, please provide documents showing valid reason for the increased of fee, a corrected Post CD and proof of delivery via shipping that includes tracking information within 60 days of consummation. | 12/05/2025 Client provided COC 11/7 reflecting UCC was listed on property report which requires UCC termination. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 32.50% below guideline requirements 90.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 15 years. |
| GCAT2026CES1001911 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 756 is above the minimum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 47.99%; guidelines allow 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.09%; guidelines allow 45% | |||||||||||||||
| GCAT2026CES1001912 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.39 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1001913 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 8 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job; 11 years and 3 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 62.48% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 757 is 97 points above program guideline minimum of 660. | |||||||||||||||
| GCAT2026CES1001914 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence | |||||||||||||||
| GCAT2026CES1001915 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 672 is above the minimum of 660 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.10%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 59.94%; guidelines allow 75% | |||||||||||||||
| GCAT2026CES1001916 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 702 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 42.23%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 44.26%; guidelines allow 80% | |||||||||||||||
| GCAT2026CES1001917 | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH Home Mortgage Information Document | 12/08/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 10/20. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for > 5 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.89% below guideline requirement 45.00%. |
| GCAT2026CES1001918 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 54.26% max per guidelines is 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 5 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 5 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 15 years. | |||||||||||||||
| GCAT2026CES1001919 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 750 exceeds guide lines. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 21.06% is below lender's guide lines maximum of 45%. | |||||||||||||||
| GCAT2026CES1001920 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.38%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 55.15%; guidelines allow 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 741 is above the minimum of 720 | |||||||||||||||
| GCAT2026CES1001921 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 38.17%; guidelines allow 75% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.87%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 698 is above the minimum of 680 | |||||||||||||||
| GCAT2026CES1001922 | 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 | CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has bonus income not used to qualify CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 10 years in current job | |||||||||||||||
| GCAT2026CES1001923 | 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: Credit score 720 is equal to the guidelines of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.41%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 35.84%; guidelines allow 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at currently employer for over 24 years | |||||||||||||||
| GCAT2026CES1001924 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: 35 yrs time at current residence | |||||||||||||||
| GCAT2026CES1001925 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 FICO exceeds guideline of 660. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x50 mortgage payment history exceeds guideline of 0x30x12. | |||||||||||||||
| GCAT2026CES1001926 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.95 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1001927 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 FICO exceeds guideline of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.24 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1001928 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have been at current residence > 11 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.50% below guideline requirement 45.00% | |||||||||||||||
| GCAT2026CES1001929 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 54% | |||||||||||||||
| GCAT2026CES1001930 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 11 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 15 years and 5 months CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job; 17 years and 8 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.40% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 772 is 82 points above program guideline minimum of 680. | |||||||||||||||
| GCAT2026CES1001931 | 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: 779 FICO exceeds program min by > 20 points CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has 2% revolving credit utilization CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.68% DTI is below program max of 45% | |||||||||||||||
| GCAT2026CES1001932 | XXXXXX | DE | 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: 8yrs time at current residence | |||||||||||||||
| GCAT2026CES1001933 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 31% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 34 years at current residence | |||||||||||||||
| GCAT2026CES1001934 | 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: Borrower has been at current residence > 8 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 66.80%below guideline requirements 75.00% | |||||||||||||||
| GCAT2026CES1001935 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | missing title | 11.21.2025 Client provided Title Property Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 722 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.50%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 33.75%; guidelines allow 85% |
| GCAT2026CES1001936 | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement in the file. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.85% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.61% DTI is below guideline requirement of 45.00%. |
| GCAT2026CES1001936 | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement in the file. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.85% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.61% DTI is below guideline requirement of 45.00%. |
| GCAT2026CES1001937 | XXXXXX | AZ | 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 | Compliance Manual | Satisfied | D | B | D | B | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 12/04/2025 Client unable to provide NBS evidence of receipt of Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 773 is above the minimum of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.02%; guidelines allow 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 53.17%; guidelines allow 80%. |
| GCAT2026CES1001937 | XXXXXX | AZ | 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 | Satisfied | B | A | B | A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 10/21/2025 was not provided to the borrower within 3 days of the application date of 10/15/2025. | 12/04/2025 Client provided missing Homeowners Counseling Organization List dated 10/15. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 773 is above the minimum of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.02%; guidelines allow 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 53.17%; guidelines allow 80%. |
| GCAT2026CES1001937 | XXXXXX | AZ | 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 | CMPTRID3552 | TRID - Loan Estimate not timely | No | Loan Estimate dated 10/21/2025 was not provided to the borrower within 3 days of the application date of 10/15/2025. | 12/04/2025 Client provided missing Initial LE 10/15. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 773 is above the minimum of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.02%; guidelines allow 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 53.17%; guidelines allow 80%. |
| GCAT2026CES1001938 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 740 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.12%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 45.41%; guidelines allow 85% | |||||||||||||||
| GCAT2026CES1001939 | XXXXXX | CO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 18 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 756 exceeds guide lines. | |||||||||||||||
| GCAT2026CES1001940 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 33% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 66% | |||||||||||||||
| GCAT2026CES1001941 | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 9 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 67% | |||||||||||||||
| GCAT2026CES1001942 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| GCAT2026CES1001943 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 22.15 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 74.37 is less that the max of 90. | |||||||||||||||
| GCAT2026CES1001944 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 759 > is above guideline minimum credit score 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x67 exceeds mortgage history guidelines. | |||||||||||||||
| GCAT2026CES1001945 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 23 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 759 exceeds guide lines. | |||||||||||||||
| GCAT2026CES1001946 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence | |||||||||||||||
| GCAT2026CES1001947 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 24 years and 4 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.07% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| GCAT2026CES1001948 | XXXXXX | LA | 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 | CRDINSR865 | Missing proof of flood insurance in File | No | Missing flood insurance policy. | 12.4.2025 Client provided copy of flood insurance policy effective 5.3.2025 - 2026 for subject | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.99 DTI below guideline of 45. |
| GCAT2026CES1001948 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title vesting reads XXX but Mortgage reads XXX | 12.4.2025 Client provided appears to have provided same Title in file. Initial condition remains, appears vesting last name on Title have: XXX. and Mortgage vesting have: XXX. Response, last name differ XXX vs XXX ? Legal document Note have name of XXXX. appears Title is missing the U in full last name of XXX12.5.2025 Client provided updated Title with correct last name spelling in vesting name | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.99 DTI below guideline of 45. |
| GCAT2026CES1001949 | XXXXXX | NM | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 12 years. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 20 years. | |||||||||||||||
| GCAT2026CES1001950 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 23yrs yrs time at current residence | |||||||||||||||
| GCAT2026CES1001951 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation of XXX debt $250.00 monthly payment and $3,000.00 balance disclosed on the 1003. Screenshot in file shows a $0 balance as of 11/2/2025. | 11.25.2025 Client provided payment activity for April, June, August and October 2025 (Tax Year 2025) with payment of $250 and evidence $0 balance as of 11.2.2025 and updated 1003 provided reflecting removing monthly debt of $250 for IRS, now paid in full | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 686 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.99 DTI below guideline of 45. |
| GCAT2026CES1001951 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing Hazard Insurance policy. | 11/20 Client provided the insurance with sufficient coverage | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 686 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.99 DTI below guideline of 45. |
| GCAT2026CES1001952 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.68% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 786 is 126 points above program guideline minimum of 660. | |||||||||||||||
| GCAT2026CES1001953 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 676 FICO exceeds guideline of 660. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x77 mortgage payment history exceeds guideline of 0x30x12. | |||||||||||||||
| GCAT2026CES1001954 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 731 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.92%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 60%; guidelines allow 80% | |||||||||||||||
| GCAT2026CES1001955 | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | State High Cost | Satisfied | C | B | C | B | CMPSTHC320 | NY High-Cost Loan by exceeding point and fee threshold | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $3,319.83, max allowed is $3,881.32; $561.49 too high). | 10/15/2025 Initial comment was incorrect. New York High cost by $90.62. Adjusted Charges are $3,969.83. Maximum charges are $3879.21 (5%) over by $90.62. Within 30 days of closing, notify the borrower, provide restitution, and AT THE BORROWER'S OPTION either make the loan a compliant high-cost mortgage, or make restitution and/or change the terms such that the loan is no longer a high-cost mortgage. If the loan remains high cost at the borrower's option, the grade will remain a 3/C.11/11/1025 Client provided Borrower Option letter signed by Borrower on 10/28, PCCD issue dated on 11/11 with cure, copy of cure check dated 11/6 and delivered shipping label on 11/10. Condition remains Active 3C due to cure not provided within 30 days from consummation. 11/21/2025 client provided attestation they relied on the Compliance Ease for fee testing and that XXX authorized the satisfaction of the error based upon the lenders fulfillment of a bona fide error of the 60 day cure provision. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 24 years on current job CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history |
| GCAT2026CES1001956 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP1319 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not dated | No | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not dated | 12/08/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 08/29. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 4yrs time at current residence |
| GCAT2026CES1001956 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | C | A | C | A | CMPSTCP1299 | RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc (Home Loan), Not Signed by Borr. | No | RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc (Home Loan), Not Signed by Borr. | 12/08/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 08/29. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 4yrs time at current residence |
| GCAT2026CES1001956 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | C | A | C | A | CMPSTCP1301 | RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc (Home Loan), Not signed by Lender. | No | RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc (Home Loan), Not signed by Lender. | 12/08/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 08/29. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 4yrs time at current residence |
| GCAT2026CES1001956 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | CMPSTCP1309 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | 12/08/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 08/29. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 4yrs time at current residence |
| GCAT2026CES1001957 | 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: 746 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.88 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1001958 | 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: credit score 707 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.73%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 60.45%; guidelines allow 80% | |||||||||||||||
| GCAT2026CES1001959 | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 6 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 3 years. | |||||||||||||||
| GCAT2026CES1001960 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 34 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 699 exceeds guide lines. | |||||||||||||||
| GCAT2026CES1001961 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 10 yrs time in profession | |||||||||||||||
| GCAT2026CES1001962 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job > 31 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 45.08% below guideline requirements 85.00%. | |||||||||||||||
| GCAT2026CES1001963 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 15yrs time in profession | |||||||||||||||
| GCAT2026CES1001964 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | insufficient insurance coverage | 12.3.2025 Client provided HOI, RCE; sufficient HOI coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 73.76%; guidelines allow 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 757 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 44.79; guidelines allow 45% |
| GCAT2026CES1001965 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | Texas Home Equity | Satisfied | C | A | C | A | CMPTXHE108 | TX Equity - Total fees greater than the allowable cap | No | Adjusted Charges $2,956.75. Maximum Charges $1,500. Charges Margin to Threshold $1,456.75 Maximum percentage 2.00%. Total Charges 3.942%. | 12/03/2025 Client provided screen print of Price and lock details reflecting undiscounted rate. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 762 exceeds guide lines. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 5 years. |
| GCAT2026CES1001965 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 762 exceeds guide lines. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 5 years. |
| GCAT2026CES1001965 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 762 exceeds guide lines. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 5 years. |
| GCAT2026CES1001965 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | Missing page 1 of mortgage. | 12.11.2025 Client provided pg 1 of the Mortgage however condition remains for full complete copy of subject Mortgage, agree it appears pg 1 is missing however provide the full complete copy of subject mortgage. 12.2.2025 Client provided all pages of subject Mortgage (including pg 1) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 762 exceeds guide lines. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 5 years. |
| GCAT2026CES1001966 | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been for 21 years at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.88% below guideline requirement 45.00%. | |||||||||||||||
| GCAT2026CES1001967 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Potential Misrepresentation | Satisfied | C | A | C | A | CRDPMR1799 | Potential misrepresentation of occupancy | No | Need explanation for why the borrowers income documents and homeowners insurance policy still show an address of XXX when there is a letter of explanation in the file stating the borrower moved from this location. | 11.11.2025 Client provided duplicate (in file pg 349) LOX from Borrower and with review of file documentation, nothing in file puts Borrower address at subject (XXX), file documentation supports Borrower at address:XXX (w2's, credit report address history, closing confirmation verifies closing location was at XXX/pg 102 and Lender Insight reflect mailing address of XXX/pg 360 and LOX in file from Borrower (pg 340) stating haven't had a chance to switch my mailing address to subject address). Condition remains, Occupancy as Primary is not supported with documentation in file. 11.20.2025 Client provided employer letter stating working 40 hours per week remotely from Arizona and provided copy of Utility Bill showing now in Borrower name however, with all other documentation (stated above) in file supports Borrower at other address XXX over 2 years +. Condition remains, Occupancy as Primary is not supported. 11.25.2025 Client provided Lender LOX stating, Borrower was in the process of moving back to the subject property. Documentation provided for support: gas & electric bills, shipping bill as of 11/21/25, Employer - XXX | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.24 DTI below guideline of 45. |
| GCAT2026CES1001968 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job for 20 years. | |||||||||||||||
| GCAT2026CES1001969 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrowers have positive XXX income not used to qualify CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 39% | |||||||||||||||
| GCAT2026CES1001970 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 764 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.10%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 76.38%; guidelines allow 90% | |||||||||||||||
| GCAT2026CES1001971 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 672 > is above guideline minimum credit score 660. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x51 exceeds mortgage history guidelines. |
| GCAT2026CES1001971 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 672 > is above guideline minimum credit score 660. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x51 exceeds mortgage history guidelines. |
| GCAT2026CES1001972 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 719 > is above guideline minimum credit score 700. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 42 years. | |||||||||||||||
| GCAT2026CES1001973 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 793 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.76%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 78.26%; guidelines allow 90% | |||||||||||||||
| GCAT2026CES1001974 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2302 | Missing Required Income Documentation | No | Missing required income documentation, no paycheck stubs or w-2's in file. | 12.4.2025 Client provided Written VOE covering YTD 2025 and prior two years (2024/2023) earnings. Income used for qualifying supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 10 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years. |
| GCAT2026CES1001975 | 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: credit score 667 is above the minimum of 660 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 42.99%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 31.42%; guidelines 75% | |||||||||||||||
| GCAT2026CES1001976 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 8 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.37% max per guidelines is 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 54.34% max per guidelines is 85%. | |||||||||||||||
| GCAT2026CES1001977 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for 8 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 52 month mortgage payment history exceeds the 12 month minimum guideline requirement by 40 months. | |||||||||||||||
| GCAT2026CES1001978 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no mortgage lates on the mortgage history |
| GCAT2026CES1001978 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no mortgage lates on the mortgage history |
| GCAT2026CES1001979 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 66.32% below guideline requirements 75.00%. | |||||||||||||||
| GCAT2026CES1001980 | XXXXXX | MN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.46%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 74.76; guidelines allow 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 694 is above the minimum of 680 | |||||||||||||||
| GCAT2026CES1001981 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 10 years and 9 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 19 years and 2 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 77.54% LTV below guideline requirements of 85.00% per program. | |||||||||||||||
| GCAT2026CES1001982 | 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: 724 FICO exceeds guideline of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x77 mortgage payment history exceeds guideline of 0x30x12. | |||||||||||||||
| GCAT2026CES1001983 | 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: credit score 702 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.15%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 61.06%; guidelines allow 80% | |||||||||||||||
| GCAT2026CES1001984 | 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: credit score 753 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 42.82%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 49.13%; guidelines allow 85% | |||||||||||||||
| GCAT2026CES1001985 | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds required score with a mid score of 767 | |||||||||||||||
| GCAT2026CES1001986 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 21yrs time at current residence | |||||||||||||||
| GCAT2026CES1001987 | XXXXXX | DE | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score 766 exceeds guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0X27 mortgage payment history exceeds guidelines of 24 months. | |||||||||||||||
| GCAT2026CES1001988 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2277 | Note Not Executed | No | Note is Not Executed, page 4 of note dated 11.21 is missing from file. | 12.5.2025 Client provided executed copy of Note (all pages provided) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 753 is above the minimum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 66.27%; guidelines allow 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.54%; guidelines allow 45% |
| GCAT2026CES1001989 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.19 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1001990 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 10 years and 9 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 8 years and 3 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 33.27% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 722 is 22 points above program guideline minimum of 700. | |||||||||||||||
| GCAT2026CES1001991 | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.82 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1001992 | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 777 exceeds guide lines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 12 years at current job. | |||||||||||||||
| GCAT2026CES1001993 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | 11Missing proof of approved Leave of Absence in 2024 | 11/26 Client provided evidence of short term disability insurance payments from 1/24 to 2/25 with DR. letter return to work 2/2025 | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 65.07% below guideline requirements 90.00%. |
| GCAT2026CES1001994 | 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: credit score 746 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.64%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 78.05%; guidelines allow 85% | |||||||||||||||
| GCAT2026CES1001995 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 34% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 23 years at current residence | |||||||||||||||
| GCAT2026CES1001996 | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (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 of 79.63 is less that the max of 85. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 since loan origination in 7/2021. | |||||||||||||||
| GCAT2026CES1001997 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 55% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35% |
| GCAT2026CES1001997 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 55% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35% |
| GCAT2026CES1001997 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | The file is missing the declarations page showing dwelling coverages | 12.9.2025 Client provided subject HOI policy w/sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 55% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35% |
| GCAT2026CES1001998 | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | File is missing the Fee Split worksheet. Provide worksheet for further testing. Additional conditions may apply. | 12/10/2025 Client provided missing Fee split for proper allocation of Affiliate fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 10 years at current residence CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history |
| GCAT2026CES1001998 | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Federal Higher-Priced | Satisfied | C | A | C | A | CMPFDHP2948 | Federal Higher-priced mortgage loan - Appraisal does not meet HPML standards | No | Section 32 threshold calculation: Maximum charges $2,543.03; Adjusted charges $2,371.08. Total charges of 5.363% exceeds the High-Cost Loan threshold Maximum Charge of 5.00%. Additionally, file is missing the Fee Split worksheet. | 12/10/2025 Client provided missing Fee split for proper allocation of Affiliate fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 10 years at current residence CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history |
| GCAT2026CES1001998 | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Initial application date was taken 11/04/2025, the Housing Counselors List was not provided. Provide the Housing Counselors List within 3 days of application. | 12/08/2025 Client provided missing Homeowners Counseling Organization List dated 11/04. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 10 years at current residence CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history |
| GCAT2026CES1001998 | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Section 32 | Satisfied | C | A | C | A | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Section 32 threshold calculation: Maximum charges $2,543.03; Adjusted charges $2,371.08. Total charges of 5.363% exceeds the High-Cost Loan threshold Maximum Charge of 5.00%. Additionally, file is missing the Fee Split worksheet. | 12/08/2025 Client provided missing Fee split for proper allocation of Affiliate fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 10 years at current residence CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history |
| GCAT2026CES1001999 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 65.60% below guideline requirements 90.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has . 25 years significant time at current job | |||||||||||||||
| GCAT2026CES1002000 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 14 years and 1 month CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 16 years and 3 months CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job; 10 years and 10 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.72% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 735 is 75 points above program guideline minimum of 660. | |||||||||||||||
| GCAT2026CES1002001 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 13 years and 9 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.24% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.75% DTI is below guideline requirement of 45.00%. |
| GCAT2026CES1002001 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 13 years and 9 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.24% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.75% DTI is below guideline requirement of 45.00%. |
| GCAT2026CES1002002 | 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: Fico score 779 exceeds guide lines. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been living at current residence for 13 years. | |||||||||||||||
| GCAT2026CES1002003 | 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: 62.30% LTV below guideline requirements of 75.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| GCAT2026CES1002004 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 743 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.97%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 58.61%; guidelines allow 85% | |||||||||||||||
| GCAT2026CES1002005 | 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 | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has stable employment with 11 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 784 exceeds guide lines. | |||||||||||||||
| GCAT2026CES1002006 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 credit score exceeds the 660 minimum guideline requirement by 144 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: 53% CLTV 37% below the maximum guideline requirement of 90%. | |||||||||||||||
| GCAT2026CES1002007 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| GCAT2026CES1002008 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.97 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.42 is less that the max of 85. | |||||||||||||||
| GCAT2026CES1002009 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 10 years and 7 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.17% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 711 is 51 points above program guideline minimum of 660. | |||||||||||||||
| GCAT2026CES1002010 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.29% is below lender's guide line maximum of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 23.52% is below lender's guide line maximum of 75%. | |||||||||||||||
| GCAT2026CES1002011 | XXXXXX | ME | 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: Same company since 7/1/2009. CFCFS1736: Significant time at current residence - Clayton Comments: Owned residence 10+ years. | |||||||||||||||
| GCAT2026CES1002012 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $147.55 due to (Point $147.55) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 11/19/25 Client provided a screenshot of the Initial LE Section A and Closing CD Section A along with the following response: Fee decreased from the LE to the closing CD. Condition remains. Internal testing uses the Points baseline from the first Locked LE (10/8) with Points of $1,963. Points then increased to $2,110.55 on the Initial 10/17 CD without a COC in file. Provide the missing COC for review.11/24/2025 Client provided PCCD 11/21 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 53% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 9 years at current job |
| GCAT2026CES1002013 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 credit score exceeds the 680 minimum guideline requirement by 58 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: 62% CLTV is 22% below the maximum guideline requirement of 85%. | |||||||||||||||
| GCAT2026CES1002014 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 744 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.94%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 60.18%; guidelines allow 85% | |||||||||||||||
| GCAT2026CES1002015 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 10 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 688 exceeds guide lines. | |||||||||||||||
| GCAT2026CES1002016 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 5 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 9 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 13 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower FICO score is 810 max per guidelines is 760. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 34.34% max per guidelines is 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.05% max per guidelines is 45%. | |||||||||||||||
| GCAT2026CES1002017 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 56.59% LTV below guideline requirements of 75.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 34.82% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| GCAT2026CES1002018 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | RESPA - List of homeowners counseling organizations not in file | 11/26/25 Client provided HOLC dated 10/20/25. Condition satisfied | 11/26/25 Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 32 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 70.68% is 9.32 points below the program guideline maximum 80%. |
| GCAT2026CES1002019 | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 66.57% is 8.43 points below the program guideline maximum 75%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 15 years. | |||||||||||||||
| GCAT2026CES1002020 | 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 of 35.03 is less that the max of 85. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 26 years. | |||||||||||||||
| GCAT2026CES1002021 | 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: credit score 737 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTO 23.89%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 67.78%; guidelines allow 85% | |||||||||||||||
| GCAT2026CES1002022 | 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: 60.42% LTV below guideline requirements of 85.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.59% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| GCAT2026CES1002023 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 16.59% max per guidelines is 45%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 5 years. | |||||||||||||||
| GCAT2026CES1002024 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title vesting reads XXX AND XXX WIFE AND HUSBAND but Mortgage reads XXX SURVIVING SPOUSE. | 11.24.2025 Client provided copy of Certification of Death Certificate for XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.57 DTI below guideline of 45. |
| GCAT2026CES1002025 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 years at current residence | |||||||||||||||
| GCAT2026CES1002026 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 787 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.33%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CVLTV 46.03%; guidelines allow 90% | |||||||||||||||
| GCAT2026CES1002027 | 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 of 33.57 is less that the max of 75. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo $497 a month. | |||||||||||||||
| GCAT2026CES1002028 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 13yrs time at current residence | |||||||||||||||
| GCAT2026CES1002029 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 725 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.89%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 73.53%; guidelines allow 85% | |||||||||||||||
| GCAT2026CES1002030 | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | The test APR is 9.705%, the benchmark APR is 5.640 % resulting in a difference of 4.065%, max difference allowed is 1.50% | 12/10/2025 client agrees ATR determination is QM:RP | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been Significant time at current residence for 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.90% below guideline requirements 85.00% |
| GCAT2026CES1002031 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 788 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 25.54%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 54.75%; guidelines allow 90% | |||||||||||||||
| GCAT2026CES1002032 | 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: credit score 735 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.384%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 29.84%; guidelines allow 45% | |||||||||||||||
| GCAT2026CES1002033 | XXXXXX | CO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.21 DTI below guideline of 45. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 years at current job. | |||||||||||||||
| GCAT2026CES1002034 | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2478 | Missing Legal Documentation | No | Missing final Closing Disclosure dated 11/172025. | 12/04/2025 Client provided Final CD 11/17 signed 11/17. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 53.44% below guideline requirements 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.08% below guideline requirement 45.00%. |
| GCAT2026CES1002034 | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Right of Rescission | Satisfied | C | A | C | A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Missing the final Closing Disclosure dated 11/17/2025. | 12/04/2025 Client provided Final CD 11/17 signed 11/17 with Disbursement date XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 53.44% below guideline requirements 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.08% below guideline requirement 45.00%. |
| GCAT2026CES1002035 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 714 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.60%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.81: guidelines allow 80% |
| GCAT2026CES1002035 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 714 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.60%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.81: guidelines allow 80% |
| GCAT2026CES1002036 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Insufficient Hazard Insurance CoverageCoverage per policy in file 354,960.00, coverage required 396,658Please provide HOI policy with sufficient coverage. | 11/26 Client provided insurance company RCE showing replacement cost was used per internal policy | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 5 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the profession for 18 years. |
| GCAT2026CES1002037 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 7 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 23 years. | |||||||||||||||
| GCAT2026CES1002038 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 672 is above the minimum of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.41%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 64.69%; guidelines allow 75% | |||||||||||||||
| GCAT2026CES1002039 | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 747 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.31%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70.86%; guidelines allow 85% | |||||||||||||||
| GCAT2026CES1001831 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | DTI | Waived | B | B | B | B | CRDDTI187 | Debt Ratio > 50% | No | DTI exceeds 45% guidelines -1% deferred student loan payment was not used when qualifying | 10/20/2025 client provided approved exception for DTI exceeding guideline of 45%. | Upon further review by Senior Underwriter exception is deemed non-material due to additional rental income not used in qualifying and CLTV of 68%. Final grade B. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10 years at current job |
| GCAT2026CES1002040 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 51.73% max per guidelines is 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 22.11% max per guidelines is 45%. | |||||||||||||||
| GCAT2026CES1002041 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 24 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower FICO score is 759 max per guidelines is 720. | |||||||||||||||
| GCAT2026CES1002042 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| GCAT2026CES1002043 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 6 years at current residence | |||||||||||||||
| GCAT2026CES1002044 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 776 > is above guideline minimum credit score 760. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 73.39% is 16.61 points below the program guideline maximum 90%. | |||||||||||||||
| GCAT2026CES1002045 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 804 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.20%; guidelines 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 48.24%; guidelines allow 85% | |||||||||||||||
| GCAT2026CES1002046 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.58 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 50.42 is less that the max of 90. | |||||||||||||||
| GCAT2026CES1002047 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 49.85%; guidelines allow 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 729 is above the minimum of 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 68.90%; guidelines allow 80%. | |||||||||||||||
| GCAT2026CES1002048 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.40 DTI below guideline of 45. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12 years at current job. | |||||||||||||||
| GCAT2026CES1002049 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 776 > is above guideline minimum credit score 760. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 64.99% is 25.01 points below the program guideline maximum 90%. | |||||||||||||||
| GCAT2026CES1002050 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Unable to locate solar lease documents to verify payment amount. | 12.9.2025 Client provided copy of Solar Lease agreement with payment history and currently making monthly payment of $153.70 and most monthly payment is $193.21 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 credit score exceeds the 660 minimum guideline requirement by 72 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: 67% CLTV is 18% below the maximum guideline requirement of 85%. |
| GCAT2026CES1002051 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 10yrs time in profession | |||||||||||||||
| GCAT2026CES1002052 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 22 years at current job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has >22 years at current job | |||||||||||||||
| GCAT2026CES1002053 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 18 years at current residence CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| GCAT2026CES1002054 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.70 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.61 is less that the max of 85. | |||||||||||||||
| GCAT2026CES1002055 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.40 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002056 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 695 > is above guideline minimum credit score 680. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 10 years. | |||||||||||||||
| GCAT2026CES1002057 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has>12 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.11% below guideline requirement 45.00%. | |||||||||||||||
| GCAT2026CES1002058 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 721 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.42 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002059 | XXXXXX | CO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| GCAT2026CES1002060 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.48 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002061 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 75.96% LTV below guideline requirements of 85.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years and 4 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 726 is 66 points above program guideline minimum of 660. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| GCAT2026CES1002062 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 59% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 24 years on current job | |||||||||||||||
| GCAT2026CES1002063 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >24 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 26.73% below guideline requirement 45.00%. | |||||||||||||||
| GCAT2026CES1002064 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 715 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 42.72%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70.78%; guidelines allow 80% | |||||||||||||||
| GCAT2026CES1002065 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 52.25% is 37.75 points below the program guideline maximum 90%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x60 exceeds mortgage history guidelines. | |||||||||||||||
| GCAT2026CES1002066 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 47.82% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 780 is 120 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.61% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| GCAT2026CES1002067 | XXXXXX | WI | 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: The total LTV is 54% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 40 years at current residence | |||||||||||||||
| GCAT2026CES1002068 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 15yrs time at current residence | |||||||||||||||
| GCAT2026CES1002069 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence | |||||||||||||||
| GCAT2026CES1002070 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 69.99% is 20.1 points below the program guideline maximum 90%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 29 years. | |||||||||||||||
| GCAT2026CES1002071 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.47 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002072 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 30 years. | |||||||||||||||
| GCAT2026CES1002073 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 62.58% is 12.42 points below the program guideline maximum 75%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 35 years. | |||||||||||||||
| GCAT2026CES1002074 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | (No Data) | |||||||||||||||
| GCAT2026CES1002074 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 10/15/2025, the Housing Counselors List was not issued until 10/23/2025. Greater than the required 3 days. | 12/04/2025 Client provided missing Homeowners Counseling Organization List dated 10/20. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| GCAT2026CES1002074 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken 10/15/2025, the Initial LE was not issued until 10/23/2025. Greater than the required 3 days. | 12/04/2025 Client provided missing Initial LE 10/20. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| GCAT2026CES1002075 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 47.37% max per guidelines is 85%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.03% max per guidelines is 45%. |
| GCAT2026CES1002075 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 47.37% max per guidelines is 85%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.03% max per guidelines is 45%. |
| GCAT2026CES1002076 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 676 is above the minimum of 660 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.99%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 59.99%; guidelines allow 75% | |||||||||||||||
| GCAT2026CES1002077 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 12yrs time at current residence | |||||||||||||||
| GCAT2026CES1002078 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 28 yrs time in profession | |||||||||||||||
| GCAT2026CES1002079 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations | 12/01/2025 Client provided missing Homeowners Counseling Organization List dated 9/19. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at current residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 7 open tradelines exceeds guideline of 3. |
| GCAT2026CES1002080 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | B | A | B | A | B | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH Home Mortgage Information Document | 12/09/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 11/05. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 9 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 55.96% max per guidelines is 85%. |
| GCAT2026CES1002080 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | B | A | B | A | B | A | A | A | B | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verbal VVOE dated within 10 days of note date XXX, VVOE dated 11/07/2025 | 12.8.2025 Client provided VVOE dated within 10 business days of Note | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 9 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 55.96% max per guidelines is 85%. |
| GCAT2026CES1002081 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | File is missing income documentation. | 11.21.2025 Client provided VVOE and income worksheet calculation for both borrowers however still missing income documentation. Condition remains for both borrowers income documentation used for qualifying (w2's, paystub and/or Written VOE covering YTD and prior two years, etc) 11.26.2025 Client provided Written VOE for B1 dated 10.9.2025 covering YTD 2025 and prior two years (2024/2023), condition remains for income documentation for B2. Upon receipt and review, income calculation is required. 12.1.2025 Client provided Written VOE for B2 dated 10.9.2025 covering YTD 2025 and prior two years (2024/2023), income used for qualifying supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 728 is above the minimum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.96%; guidelines allow 85% CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 48 months |
| GCAT2026CES1002081 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2302 | Missing Required Income Documentation | No | missing income documentation | 11.21.2025 Client provided VVOE and income worksheet calculation for both borrowers however still missing income documentation. Condition remains for both borrowers income documentation used for qualifying (w2's, paystub and/or Written VOE covering YTD and prior two years, etc) 11.26.2025 Client provided Written VOE for B1 dated 10.9.2025 covering YTD 2025 and prior two years (2024/2023), condition remains for income documentation for B2. Upon receipt and review, income calculation is required. 12.1.2025 Client provided Written VOE for B2 dated 10.9.2025 covering YTD 2025 and prior two years (2024/2023), income used for qualifying supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 728 is above the minimum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.96%; guidelines allow 85% CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 for 48 months |
| GCAT2026CES1002082 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 11.19.25 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 24 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has at current job > 10 years. |
| GCAT2026CES1002082 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 11.19.25 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 24 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has at current job > 10 years. |
| GCAT2026CES1002083 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 756 > is above guideline minimum credit score 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x48 exceeds mortgage history guidelines. | |||||||||||||||
| GCAT2026CES1002084 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 13 years and 10 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 759 is 59 points above program guideline minimum of 700. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1737: LTV below guideline requirements - Clayton Comments: 55.31% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| GCAT2026CES1002085 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: 25yrs time at current residence | |||||||||||||||
| GCAT2026CES1002086 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing B1's prior 2 years W2 or WVOE/Income to very prior 2 years income as required per guidelines. Please provide missing document. | 12.8.2025 Client provided copy of B1 2024/2023 w2's | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 3 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 55.82% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 728 is 48 points above program guideline minimum of 680. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| GCAT2026CES1002087 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: 59% CLTV is 16% below the maximum guideline requirement of 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 696 credit score exceeds the 660 minimum guideline requirement by 36 points. | |||||||||||||||
| GCAT2026CES1002088 | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 722 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.56%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 64.45%; guidelines allow 85% | |||||||||||||||
| GCAT2026CES1002089 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 3 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years and 4 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.26% LTV below guideline requirements of 85.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.46% DTI is below guideline requirement of 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 748 is 88 points above program guideline minimum of 660. | |||||||||||||||
| GCAT2026CES1002090 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 64% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 30 years at current residence | |||||||||||||||
| GCAT2026CES1002091 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 738 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.07%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70.88%; guidelines allow 80% |
| GCAT2026CES1002091 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 738 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.07%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70.88%; guidelines allow 80% |
| GCAT2026CES1002092 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (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: 7yrs time at current residence | |||||||||||||||
| GCAT2026CES1002093 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >25 years at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.03% below guideline requirement 45.00%. | |||||||||||||||
| GCAT2026CES1002094 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 64.20 is less that the max of 75. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 29 years. | |||||||||||||||
| GCAT2026CES1002095 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 41yrs time at current residence | |||||||||||||||
| GCAT2026CES1002096 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 16 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 698 exceeds guide lines. | |||||||||||||||
| GCAT2026CES1002097 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 801 > is above guideline minimum credit score 760. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 51.93% is 38.07 points below the program guideline maximum 90%. | |||||||||||||||
| GCAT2026CES1002098 | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (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 of 76.96 is less that the max of 85. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 9+ years. | |||||||||||||||
| GCAT2026CES1002099 | 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: 28yrs time at current residence | |||||||||||||||
| GCAT2026CES1002100 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.94 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65 is less that the max of 80. | |||||||||||||||
| GCAT2026CES1002101 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.32 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.55 is less that the max of 85. | |||||||||||||||
| GCAT2026CES1002102 | 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: Median FICO 796 > is above guideline minimum credit score 760. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 27 years. | |||||||||||||||
| GCAT2026CES1002103 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 26 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 34.88% max per guidelines is 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.40% max per guidelines is 45%. | |||||||||||||||
| GCAT2026CES1002104 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $87.90 monthly taxes for the subject property. Taxes are not escrowed. | 12.4.2025 Client provided SMART sheet reflecting monthly taxes used of $87.90 for subject (70% Veteran) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 696 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.72 DTI below guideline of 45. |
| GCAT2026CES1002105 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years and 1 month at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.50% DTI is below program max of 45%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 8 years and 5 months at current residence. |
| GCAT2026CES1002105 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years and 1 month at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.50% DTI is below program max of 45%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 8 years and 5 months at current residence. |
| GCAT2026CES1002106 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 708 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.97%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 64.14%; guidelines allow 80% | |||||||||||||||
| GCAT2026CES1002107 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.77% LTV below guideline requirements of 75.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 4 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.17% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| GCAT2026CES1002108 | 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: CLTV: 62.91% is 17.09 points below the program guideline maximum 80%. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction by $1,860.63. | |||||||||||||||
| GCAT2026CES1002109 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 FICO exceeds guideline of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x63 mortgage payment history exceeds guideline of 0x30x12. | |||||||||||||||
| GCAT2026CES1002110 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 26 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 54.23% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 718 is 38 points above program guideline minimum of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.36% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| GCAT2026CES1002111 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 26% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 22 years at current residence | |||||||||||||||
| GCAT2026CES1002112 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.49 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 26.92 is less that the max of 85 | |||||||||||||||
| GCAT2026CES1002113 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 8 years. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction by $933.79. | |||||||||||||||
| GCAT2026CES1002114 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 25 years and 10 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 40.89% LTV below guideline requirements of 75.00% per program. | |||||||||||||||
| GCAT2026CES1002115 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | missing 2024 W2 from XXX for XXX | 11/26 Client provided the 2024 W2 | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 780 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.19%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 74.55%; guidelines allow 90% |
| GCAT2026CES1002116 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: 77.55% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 787 is 87 points above program guideline minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.10% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| GCAT2026CES1002117 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 56% | |||||||||||||||
| GCAT2026CES1002118 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 15 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 70% | |||||||||||||||
| GCAT2026CES1002119 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | The test APR is 9.296%, the benchmark APR is 5.660% resulting in a difference of 3.636%, max difference allowed is 1.50% | 12/09/2025 Client provided Collaborate Comment: The COC was included in the package, page 193, shows the loan was locked on 10/2/2025. Using the correct APOR date, the loan is safe harbor. Also provided missing Lock LE 10/7 for retesting. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 63% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years at current job |
| GCAT2026CES1002120 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 18 yrs time at present residence | |||||||||||||||
| GCAT2026CES1002121 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years and 5 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.90% LTV below guideline requirements of 75.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.83% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| GCAT2026CES1002122 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 65.49%; guidelines allow 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 683 is above the minimum of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.08%; guidelines allow 45%. | |||||||||||||||
| GCAT2026CES1002123 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25.74 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.02 is less that the max of 75. | |||||||||||||||
| GCAT2026CES1002124 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 757 > is above guideline minimum credit score 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 70.63% is 9.37 points below the program guideline maximum 80%. | |||||||||||||||
| GCAT2026CES1002125 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 28 yrs time at current residence | |||||||||||||||
| GCAT2026CES1002126 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 5 years, 10 months at current job. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0X25 mortgage payment history exceeds guide lines. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 54.32% is below lender's guide lines maximum of 75%. | |||||||||||||||
| GCAT2026CES1002127 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.92%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 65.44%; guidelines allow 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 731 is above the minimum of 720 | |||||||||||||||
| GCAT2026CES1002128 | XXXXXX | MI | 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: 7 yrs time in profession | |||||||||||||||
| GCAT2026CES1002129 | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 30% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 18 years at current job | |||||||||||||||
| GCAT2026CES1002130 | 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 | (No Data) | |||||||||||||||
| GCAT2026CES1002131 | XXXXXX | MI | 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 of 70 is less that the max of 75. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 10+ years. | |||||||||||||||
| GCAT2026CES1002132 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 22.57%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 802 is above the minimum of 760 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.62%; guidelines allow 80% |
| GCAT2026CES1002132 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 22.57%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 802 is above the minimum of 760 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.62%; guidelines allow 80% |
| GCAT2026CES1002133 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.40 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002134 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 8 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 745 exceeds guide lines. | |||||||||||||||
| GCAT2026CES1002135 | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 15 years and 7 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| GCAT2026CES1002136 | 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: credit score 716 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.67%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.50%; guidelines allow 80% | |||||||||||||||
| GCAT2026CES1002137 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 733 > is above guideline minimum credit score 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 24 years. | |||||||||||||||
| GCAT2026CES1002138 | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| GCAT2026CES1002139 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations | 12/01/2025 Client provided missing Homeowners Counseling Organization List dated 10/16. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.86 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 53.71 is less that the max of 85. |
| GCAT2026CES1002140 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing complete copy of borrowers paystub. Only page 1 of 3 was provided. | 12.5.2025 Client provided full complete copy of Borrower paystub (all 3 pages) dated 9.15.2025 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 685 FICO exceeds guideline of 660. CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at current residence. |
| GCAT2026CES1002141 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 68.09% max per guidelines is 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 22 years. | |||||||||||||||
| GCAT2026CES1002142 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% CLTV is 15% below the maximum guideline requirement of 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 credit score exceeds the 660 minimum guideline requirement by 116 points. | |||||||||||||||
| GCAT2026CES1002143 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 26.98 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 25.83 is less that the max of 85. | |||||||||||||||
| GCAT2026CES1002144 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 11/25/25 Client provided the OH Home Mtg Info Doc and signed Acknowledgment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 749 exceeds guide lines. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been living at current residence for 40 years. |
| GCAT2026CES1002145 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.02 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002146 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance $100.00. Addition of Title Examination Fee. Change of Circumstance, or Post Close CD, LOX and a copy of refund check to borrower. | 12/10/2025 Client provided COC reflecting UCC lien identified on property summary report, requiring curative action and Exam fee added. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.33 DTI below guideline of 45. |
| GCAT2026CES1002147 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 8 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 8 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 58.62% max per guidelines is 75%. | |||||||||||||||
| GCAT2026CES1002148 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 6 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 737 exceeds guide lines. | |||||||||||||||
| GCAT2026CES1002149 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 59.01% below guideline requirements 80.00% | |||||||||||||||
| GCAT2026CES1002150 | 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: 726 FICO exceeds guideline of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x48 mortgage payment history exceeds guideline of 0x30x12. | |||||||||||||||
| GCAT2026CES1002151 | XXXXXX | TX | 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 | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Earliest LE provided issued 10/28/25. COC form issued 10/28 indicates a prior 1-LE was issued on 10/28 w/ numerical changes. Missing initial LE. | 12/10/2025 Client provided Initial disclosures including Initial LE 10/24. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 754 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 48.19%; guidelines allow 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 53.19%; guidelines allow 80% |
| GCAT2026CES1002151 | XXXXXX | TX | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/05/2025 client provided an approved exception for missing T.42 Title Endorsement. | Initial and Final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 754 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 48.19%; guidelines allow 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 53.19%; guidelines allow 80% |
| GCAT2026CES1002151 | XXXXXX | TX | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/05/2025 client provided an approved exception for missing T.42.1 Title Endorsement. | Initial and Final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 754 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 48.19%; guidelines allow 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 53.19%; guidelines allow 80% |
| GCAT2026CES1002152 | XXXXXX | NM | 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: The total LTV is 39% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | |||||||||||||||
| GCAT2026CES1002153 | XXXXXX | MI | 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; 5 years and 6 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| GCAT2026CES1002154 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 18 yrs time at current residence | |||||||||||||||
| GCAT2026CES1002155 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 808 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 46.99%; guidelines allow 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 60.85%; guidelines allow 85% | |||||||||||||||
| GCAT2026CES1002156 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 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: Current job since 7/25/2016. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 since origination of loan in 12/2021. | |||||||||||||||
| GCAT2026CES1002157 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.51 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 76.61 is less that the max of 85. | |||||||||||||||
| GCAT2026CES1002158 | XXXXXX | MI | 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: 35 yrs in profession | |||||||||||||||
| GCAT2026CES1002159 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 799 > is above guideline minimum credit score 760. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 10 years. | |||||||||||||||
| GCAT2026CES1002160 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: 59.17% LTV below guideline requirements of 75.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| GCAT2026CES1002161 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 6 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 691 exceeds guide lines. | |||||||||||||||
| GCAT2026CES1002162 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Provide documentation Non Borrower (XXX) received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated 10/29/2025 was incomplete; missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 11/21/2025 Client provided a Disclosure History reflecting CD 10/29 was also provided via XXX with earliest closing date XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 74.10% below guideline requirements 90.00%. |
| GCAT2026CES1002163 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.65 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002164 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH148 | Credit report stale dated at closing | No | The credit report was 91 days old on the Note/closing date which exceeds the guideline of 90 days. Credit report date 7/23/2025 with Note/closing date of XXX | 12.1.2025 Client provided an updated post close dated (XXX) Credit report with Note date XXX ; condition remains. Lender to verify if XXX in month of October was a Holiday for lender, if was a Holiday can be backed out and would be 90 days vs 91 days. XXX have been backed out which makes 91 days old for credit report, however if XXX was a Holiday for Lender, this can be backed out of calculation. 12.2.2025 Client provided LOX stating, XXX is not a holiday for XXX. Response, with including XXX credit report at closing is 91 days which exceed 90 days at closing. Condition remains 12.3.2025 Client provided LOX regarding post close credit report was provided due to actual credit report expired 1 day after 90 days and provided updated 1008 including slightly higher debts from post close credit report for updated DTI of 43.60% | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 FICO exceeds guideline of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.02 DTI below guideline of 45. |
| GCAT2026CES1002164 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $466.35 monthly taxes for the subject property. Taxes are not escrowed. | 11.6.2025 Client provided copy of subject tax bill supporting $466.35 monthly taxes | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 FICO exceeds guideline of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.02 DTI below guideline of 45. |
| GCAT2026CES1002164 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title vesting reads X XXX AND XXX but Deed of Trust reads XXX AND XXX. | 11.11.2025 Client provided appears to be duplicate (in file) Title which reflect vesting reads XXX AND XXX but Deed of Trust reads XXXAND XXX however Title vesting and Mortgage vesting do not match. Condition remains: Vesting on Title and Vesting on Mortgage do not match. Title have Vesting with XXX and Mortgage have vesting with XXX. 11/14 Client provided corrected Title matching the mortgage | SAtisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 FICO exceeds guideline of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.02 DTI below guideline of 45. |
| GCAT2026CES1002165 | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 715 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.18%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70.87%; guidelines allow 80% | |||||||||||||||
| GCAT2026CES1002166 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 17.75 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 49.38 is less that the max of 90.V | |||||||||||||||
| GCAT2026CES1002167 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 26.49 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 77.41 is less that the max of 90. | |||||||||||||||
| GCAT2026CES1002168 | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 664 is above the minimum of 660 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.20%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 59.77%; guidelines allow 75% | |||||||||||||||
| GCAT2026CES1002169 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Missing LE dated 10/6/2025 per the Intent to Proceed Confirmation on page 532 | 11/25/25 Client provided the missing, Initial 10/6 LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 49.25% is 40.75 points below the program guideline maximum 90%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x47 exceeds mortgage history guidelines. |
| GCAT2026CES1002169 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | 11/25/25 Client provided the missing, Initial 10/6 LE. Lender to provide clarification of TRID Application Date. Per the Mavent, Application Date is 10/1, however the Initial 1003 reflects 10/7 (Same date as the Homeowner Counseling List). If Application Date is 10/1, then the HC List on 10/7 is not timely. The 10/7 Date on the Initial 1003 does not appear to be the true Application Date, as the first LE was issued on 10/6. Subject to re-review. | 12/03/2025 Client provided Copies of the early Disclosures, including List of homeowners counseling organizations dated 10/16. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 49.25% is 40.75 points below the program guideline maximum 90%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x47 exceeds mortgage history guidelines. |
| GCAT2026CES1002170 | 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: 6yrs time at current residence | |||||||||||||||
| GCAT2026CES1002171 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 13 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 45.31% max perguidelines is 80%. | |||||||||||||||
| GCAT2026CES1002172 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 787 exceeds guide lines. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 8 years. | |||||||||||||||
| GCAT2026CES1002173 | XXXXXX | NJ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| GCAT2026CES1002174 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH Home Mortgage Information Document | 12/09/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 09/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.04 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 54.89 is less that the max of 85. |
| GCAT2026CES1002175 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 11 years and 3 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 52.97% LTV below guideline requirements of 75.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.06% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| GCAT2026CES1002176 | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | State Consumer Protection | Satisfied | A | A | A | A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing Ack. of receipt of Home Mtg. Info. Document. | 12/01/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 10/24. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 8 yrs time at current residence |
| GCAT2026CES1002177 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 7 years at current profession | |||||||||||||||
| GCAT2026CES1002178 | 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: Borrowers have 26 years at current residence CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | |||||||||||||||
| GCAT2026CES1002179 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | CMPSTCP1297 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | 12/10/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 09/29. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 18yrs time at current residence |
| GCAT2026CES1002179 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | CMPSTCP1309 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | 12/10/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 09/29. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 18yrs time at current residence |
| GCAT2026CES1002180 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 33% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 61% | |||||||||||||||
| GCAT2026CES1002181 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower FICO score is 746 max per guidelines is 720. | |||||||||||||||
| GCAT2026CES1002182 | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (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 yrs time at current residence. | |||||||||||||||
| GCAT2026CES1002183 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: 39 yrs time at current residence | |||||||||||||||
| GCAT2026CES1002184 | 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: 759 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.45 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002185 | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 7 years on current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 7 years at current residence | |||||||||||||||
| GCAT2026CES1002186 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.06 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65.29 is less that the max of 85. | |||||||||||||||
| GCAT2026CES1002187 | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.58 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 71.98 is less that the max of 85. | |||||||||||||||
| GCAT2026CES1002188 | XXXXXX | WI | 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: 755 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.83 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002189 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Home Mortgage Information Document not provided | 11/24/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 10/23. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years and 3 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.24% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 734 is 34 points above program guideline minimum of 700. |
| GCAT2026CES1002190 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 813 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 44.18%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 51.29%; guidelines allow 90% | |||||||||||||||
| GCAT2026CES1002191 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 764 exceeds guide lines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 19 years at current job. | |||||||||||||||
| GCAT2026CES1002192 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Satisfied | B | A | B | A | CMPTXHE308 | Voluntary Same-Lender Debt disclosure not provided to borrower | No | Missing Voluntary Same-Lender Debt Disclosure. | 12/26/25 Client provided Voluntary Same-Lender Debt Disclosure. Condition satisfied | 12/26/25 Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 63% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 9 years at current residence |
| GCAT2026CES1002192 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 11/24/2025 client provided approval for missing T.42 Title Endorsement. | Initial and Final grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 63% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 9 years at current residence |
| GCAT2026CES1002192 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 11/24/2025 client provided approval for missing T.42.1 Title Endorsement. | Initial and final grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 63% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 9 years at current residence |
| GCAT2026CES1002193 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 58% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 10 years at current residence | |||||||||||||||
| GCAT2026CES1002194 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 64.39 is less that the max of 75. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $1,446. | |||||||||||||||
| GCAT2026CES1002195 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 28% DTI is 17% below the maximum guideline requirement of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 46% CLTV is 44% below the maximum guideline requirement of 90%. | |||||||||||||||
| GCAT2026CES1002196 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 31yrs time at current residence | |||||||||||||||
| GCAT2026CES1002197 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 699 is above the minimum of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 44.72%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 63.20%; guidelines allow 75% | |||||||||||||||
| GCAT2026CES1002198 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 694 is above the minimum of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.20%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 74.67%; guidelines allow 75% | |||||||||||||||
| GCAT2026CES1002199 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fee increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. $84.75 zero tolerance due to increase in discount points without a valid COC. Requires COC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 12/03/2025 Client provided COC 11/6 reflecting Borrower requested loan amount increase with Discount Points. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 709 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.99 DTI below guideline of 45. |
| GCAT2026CES1002199 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing explanation for the credit inquiry with XXX on 7/21/2025. | 12.5.2025 Client provided LOX stating no new credit from inquires | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 709 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.99 DTI below guideline of 45. |
| GCAT2026CES1002199 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Potential Misrepresentation | Satisfied | C | A | C | A | CRDPMR1799 | Potential misrepresentation of occupancy | No | Need explanation for why XXX driver license and Social Security award letter show an address of XXX | 12.5.2025 Client provided B2 LOX stating uses the above address for mailing and receiving important documents, deliveries, etc this address is within 10 blocks from where I XXX XXX and is in walking distance. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 709 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.99 DTI below guideline of 45. |
| GCAT2026CES1002200 | 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: Credit score 760 is equal to guidelines of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 42.59%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 66.04%; guidelines allow 90% | |||||||||||||||
| GCAT2026CES1002201 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| GCAT2026CES1002202 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Missing Title or Property Report Summary. | 12.3.2025 Client provided Title Property Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 72.17% is 12.83 points below the program guideline maximum 85%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x49 exceeds mortgage history guidelines. |
| GCAT2026CES1002203 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.14 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 23.18 is less that the max of 85. | |||||||||||||||
| GCAT2026CES1002204 | 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 | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 13yrs time at current job | |||||||||||||||
| GCAT2026CES1002205 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 13 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 66.19% max per guidelines is 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.20% max per guidelines is 45%. | |||||||||||||||
| GCAT2026CES1002206 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 61% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 23 years at current residence | |||||||||||||||
| GCAT2026CES1002207 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 56.97%; guidelines allow 75% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.21%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 670 is above the minimum of 660 | |||||||||||||||
| GCAT2026CES1002208 | XXXXXX | OH | 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 | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA; Home Mortgage Information Document. | 11/20/25 Client provided the OH Home Mtg Info Doc and signed Acknowledgments. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 709 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.94%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 58.05%; guidelines allow 80% |
| GCAT2026CES1002208 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance $100.00. Title Examination Fee. Change of Circumstance, or Post Close CD, LOX and a copy of refund check to borrower. | 12/05/2025 Client provided PCCD 12/03 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 709 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.94%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 58.05%; guidelines allow 80% |
| GCAT2026CES1002209 | 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 | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 12 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 6 years. | |||||||||||||||
| GCAT2026CES1002210 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 689 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.16 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002211 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 33 years on current XXX job CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 24 years at current residence | |||||||||||||||
| GCAT2026CES1002212 | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 15 years and 10 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 53.05% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 728 is 68 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.49% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| GCAT2026CES1002213 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing hazard insurance policy. | 11.26.2025 Client provided copy of subject HOI insurance policy 8.1.2025 - 2026 | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.17 DTI below guideline of 45. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x55 mortgage payment history exceeds guideline of 0x30x12. |
| GCAT2026CES1002214 | 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: 21yrs at time at current residence | |||||||||||||||
| GCAT2026CES1002215 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 756 > is above guideline minimum credit score 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 36.10% is 48.90 points below the program guideline maximum 85%. | |||||||||||||||
| GCAT2026CES1002216 | XXXXXX | NY | 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 | CMPTRID3552 | TRID - Loan Estimate not timely | No | Loan Estimate dated 09/16/2025 was not provided to the borrower within 3 days of the application date of 09/02/2025. Additionally, the Intent to Proceed Confirmation indicates the Initial LE was issued to borrower 09/05/2025; missing corresponding LE. | 12/10/2025 Client provided missing Initial LE 95. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 9yrs time at current residence |
| GCAT2026CES1002217 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score 710 exceeds guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 27 years at current job. | |||||||||||||||
| GCAT2026CES1002218 | 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: CLTV: 49.55% is 25.45 points below the program guideline maximum 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 10 years. | |||||||||||||||
| GCAT2026CES1002219 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 694 is above the minimum of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.08%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 69.90%; guidelines allow 75% | |||||||||||||||
| GCAT2026CES1002220 | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 5 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 83.27% max per guidelines is 90%. | |||||||||||||||
| GCAT2026CES1002221 | XXXXXX | CT | 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: Current job since 6/19/2008. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Current job since 3/31/2009. | |||||||||||||||
| GCAT2026CES1002222 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.68%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 36.61%; guidelines allow 90% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 764 is above the minimum of 760 | |||||||||||||||
| GCAT2026CES1002223 | 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: credit score 698 is above the minimum of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 32.89%; guidelines 75% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 42.54%; guidelines allow 45% | |||||||||||||||
| GCAT2026CES1002224 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Provide documentation Non Borrower (XXX) received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated 11/04/2025 was incomplete; missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 11/26/25 Client provided a documentation with evidence that initial CD was mailed to XXX. Mailing rule applied, disclosure was received timely, condition is satisfied to 1/A | 11/26/25 Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 10 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score 764 exceeds guidelines. |
| GCAT2026CES1002224 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | TX Missing T.42 Title Endorsement. | 11/24/2025- Client provided an approved exception for missing T.42 Title Endorsement | 11/24/2025- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 10 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score 764 exceeds guidelines. |
| GCAT2026CES1002224 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | TX Missing T.42.1 Title Endorsement. | 11/24/2025- Client provided an approved exception for missing T.42.1 Title Endorsement | 11/24/2025- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 10 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score 764 exceeds guidelines. |
| GCAT2026CES1002224 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $50.00 for zero tolerance fees.A Title Document Prep Fee was added to the CD dated 11/10/2025 in the amount of $50.00 and was paid to the Affiliate. | 12/08/2025 Client provided PCCD 12/04 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 10 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score 764 exceeds guidelines. |
| GCAT2026CES1002224 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL225 | Missing Rider | No | The PUD Rider in file only contains pages 1-2. Missing page 3. | 11.25.2025 Client provided executed PUD Rider (including all 3 pages) | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 10 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score 764 exceeds guidelines. |
| GCAT2026CES1002225 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.37 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 37.76 is less that the max of 80. | |||||||||||||||
| GCAT2026CES1002226 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 29 yrs time at current residence. | |||||||||||||||
| GCAT2026CES1002227 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 35 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 59.68% max per guidelines is 85%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.47% max per guidelines is 45%. | |||||||||||||||
| GCAT2026CES1002228 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | Right of Rescission | Satisfied | C | A | C | A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Final CD 11/7/25 - disbursement date on XXX , ROR form in file signed on XXX with end of recession on XXX , condition pending receiving Post CD with updated disbursement date, LOX and proof of delivery to borrower | 12/02/2025 Client provided PCCD 11/28 with updated Disbursement date and LOE. Condition remains. Provide Final Alta/Settlement Statement with matching dates and fees for final testing. 12/04/2025 Client provided matching Final Alta/Settlement Statement. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 44.85 is less that the max of 80. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 24 years. |
| GCAT2026CES1002228 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Provide 2023 W2 for B2 | 12.2.2025 Client provided 2023 w2 transcripts for B2 | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 44.85 is less that the max of 80. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 24 years. |
| GCAT2026CES1002229 | 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: credit score 749 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 48.63%; guidelines allow 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 47.39% ; guidelines allow 80% | |||||||||||||||
| GCAT2026CES1002230 | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 11 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 696 exceeds guide lines. | |||||||||||||||
| GCAT2026CES1002231 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $50.00 for zero tolerance fees.A Title Examination Fee was added to the LE dated 11/06/2025 in the amount of $150.00. The COC in file dated 11/06/2025 reflects a Title Examination Fee in the amount of $100.00. Tolerance remains for the difference of $50.00. | 12/09/2025 Client provided updated COC 11/06 reflecting Exam fee of $150.00 added due to curative title needed - lien on title. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 34.16% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 788 is 88 points above program guideline minimum of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.07% DTI is below guideline requirement of 45.00%. |
| GCAT2026CES1002232 | XXXXXX | FL | 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 | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Missing citizenship on XXX application. | 11.20.2025 Client provided updated 1003 for each Borrower reflecting all as XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.19 DTI below guideline of 45. |
| GCAT2026CES1002232 | XXXXXX | FL | 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 | Potential Misrepresentation | Satisfied | C | A | C | A | CRDPMR1799 | Potential misrepresentation of occupancy | No | Need explanation for why the homeowners insurance policy shows XXX and XXX as non-occupants if the subject property is their primary residence. | 11.21.2025 Client provided XXX policy that only shows XXX and XXX (possibly XXX.) which is now deceased (Death Certificate in file pg 345) however other Policy from XXX in file (pg 548) list all 4 Borrowers (XXX and XXX. and XXX and XXX as additional insured non-occupant), this policy just provided do not reflect the additional insured two co-owner of XXX and XXX. Initial condition remains 11/26 Client provided policy with all 4 individuals | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.19 DTI below guideline of 45. |
| GCAT2026CES1002232 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title vesting reads XXX XXX, SURVIVING SPOUSE but Mortgage reads XXX XXX, UNMARRIED AND XXXX AND XXX, HUSBAND AND WIFE, AS JOINT TENANTS WITH RIGHTS OF SURVIVORSHIP AS TO THE WHOLE. | 11.19.2025 Client provided copy of Quitclaim Deed reflecting same vesting as Mortgage | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.19 DTI below guideline of 45. |
| GCAT2026CES1002233 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 14 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 15 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 69.38% max per guidelines is 90%. | |||||||||||||||
| GCAT2026CES1002234 | XXXXXX | AK | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 723 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.72%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 84.92%; guidelines allow 85% | |||||||||||||||
| GCAT2026CES1002235 | 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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 55% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 26 years at current residence | |||||||||||||||
| GCAT2026CES1002236 | XXXXXX | NM | 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: 10yrs time in profession | |||||||||||||||
| GCAT2026CES1002237 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 26% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 29 years at current job | |||||||||||||||
| GCAT2026CES1002238 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 10 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 9 years. | |||||||||||||||
| GCAT2026CES1002239 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (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: 20yrs time at current residence | |||||||||||||||
| GCAT2026CES1002240 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 27 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 19 years CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 68.38% max per guidelines is 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.01% max per guidelines is 45%. | |||||||||||||||
| GCAT2026CES1002241 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 752 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.24%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.22%; guidelines allow 85% | |||||||||||||||
| GCAT2026CES1002242 | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 0x30 last 22 months payment paid on time. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 30K in reserves. | |||||||||||||||
| GCAT2026CES1002243 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | Right of Rescission | Satisfied | C | A | C | A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is XXX (based on Mortgage Notary date of 11/07/2025); disbursement date per Final CD 11/06/2025 is XXX Borrower did not receive full mandatory rescission period. | 12/04/2025 Client provided Funding CD 12/03 and matching Final Alta/Settlement Statement. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 19 yrs time at current residence. |
| GCAT2026CES1002243 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL225 | Missing Rider | No | The Trust Rider is incomplete; Missing page 3. | 12.2.2025 Client provided executed copy of Trust Rider (all 3 pages provided) | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 19 yrs time at current residence. |
| GCAT2026CES1002244 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19yrs time at current profession | |||||||||||||||
| GCAT2026CES1002245 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 754 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.79%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.86%; guidelines allow 85% | |||||||||||||||
| GCAT2026CES1002246 | XXXXXX | HI | 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: 10yrs time in profession | |||||||||||||||
| GCAT2026CES1002247 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 734 > is above guideline minimum credit score 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 17 years. | |||||||||||||||
| GCAT2026CES1002248 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 750 > is above guideline minimum credit score 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x44 exceeds mortgage history guidelines. | |||||||||||||||
| GCAT2026CES1002249 | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 53 month mortgage payment history exceeds the 12 month minimum guideline requirement by 41 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 10 years and 10 months. | |||||||||||||||
| GCAT2026CES1002250 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.83 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 56.36 is less that the max of 90. | |||||||||||||||
| GCAT2026CES1002251 | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (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: 12yrs time at current job | |||||||||||||||
| GCAT2026CES1002252 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing supporting documentations showing 64.00 is the monthly payment for XXX Loan Services balance 6378.00 (installment act.). | 12.1.2025 Client provided copy of XXX statement verifying monthly payment of $161.40 vs $64 and provided updated 1003/1008 including updated monthly payment for DTI of 48.20% | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 72.98% below guideline requirements 85.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 3 years. |
| GCAT2026CES1002253 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Missing IL Certificate of Compliance or Certificate of Exemption. | 12/03/2025 Client provided missing Illinois Pred Lend Cert of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 5 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 10 years at current job. |
| GCAT2026CES1002254 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 FICO exceeds guideline of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x43 mortgage payment history exceeds guideline of 0x30x12. | |||||||||||||||
| GCAT2026CES1002255 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (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; 5 years CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| GCAT2026CES1002256 | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 11 years and 10months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| GCAT2026CES1002257 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 736 exceeds guide lines. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 5 years. | |||||||||||||||
| GCAT2026CES1002258 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence >6 years. | |||||||||||||||
| GCAT2026CES1002259 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 4 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 8 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 53.23% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 744 is 84 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.77% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| GCAT2026CES1002260 | XXXXXX | WA | 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 | Right of Rescission | Satisfied | C | A | C | A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Final CD 11/5/25 - disbursement date on XXX , ROR form in file signed on XXX with end of recession on XXX, condition pending receiving Post CD with updated disbursement date, LOX and proof of delivery to borrower | 11/20/25 Client provided an LOE to borrower and revised 11/17 PCCD reflecting a Disbursement Date of XXX. Condition remains. Provide a signed/stamped Final ALTA or Settlement Statement confirming Disbursement on XXX11/24/2025 Client provided the Final Settlement Statement reflecting same cash to Borrower and Disbursement date. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.58 DTI below guideline of 45. |
| GCAT2026CES1002261 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 9 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30 last 46 months payment paid on time. | |||||||||||||||
| GCAT2026CES1002262 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | Missing page 20 signature page and page 21 Notary page of Mortgage/Deed of Trust. | 12.9.2025 Client provided executed all pages (including Notary page) of Mortgage and PUD Rider | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.56 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.95 is less that the max of 75. |
| GCAT2026CES1002262 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC806 | Notary Status is missing | No | Missing Notary page of Mortgage/Deed of Trust. | 12.9.2025 Client provided executed all pages (including Notary page) of Mortgage and PUD Rider | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.56 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.95 is less that the max of 75. |
| GCAT2026CES1002262 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC869 | Mortgage not signed | No | Missing signature page of Mortgage/Deed of Trust. | 12.9.2025 Client provided executed all pages (including Notary page) of Mortgage and PUD Rider | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.56 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.95 is less that the max of 75. |
| GCAT2026CES1002262 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | Missing page 20 signature page and page 21 Notary page of Mortgage/Deed of Trust. | 12.9.2025 Client provided executed all pages (including Notary page) of Mortgage and PUD Rider | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.56 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.95 is less that the max of 75. |
| GCAT2026CES1002263 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 695 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.26 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002264 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title vesting reads "XXX" but Mortgage reads XXX | 10.29.2025 Client provided LOX stating see attached affidavit verifying aka names and are one of same. Response, vesting names do not match, unknown why one would read different from the other. Condition remains, vesting on title and mortgage do not read the same 11.5.2025 Client provided LOX stating, Can you please advise if you will accept the following to clear this condition? 1) would you accept fka verbiage on the mortgage. 2) update the mortgage to show XXX XXX XXX. Response, Mortgage and Title vesting to match, whichever name is correct, both Mortgage and Title vesting to match. Condition remains to support both documents vesting as matching. Note: whichever (document) name vesting is correct the other document need to match and reflect one of same vesting. 11.11.2025 Client provided a unsigned drafted Mortgage (Deed of Trust) with vesting name: XXX which is now same vesting as Title (pg 84) however drafted Mortgage signature page is not same name XXX, signature page of this drafted page Mortgage reflect name as XXX (not same as the vesting name XXX). Before requesting for executed updated Mortgage along with evidence of re-recording, will need clarification (from Borrower) on vesting stating as XXX with signature name as XXX unknown reason for difference vs being the same name. Condition remains for clarification of updated Mortgage vesting name: XXX. with signature name: XXX. and upon review of this LOX additional documentation is required regarding updated Mortgage vesting. Note: Note and signature on Mortgage is showing as XXX. XXX and updated Mortgage and Title showing vesting as XXX. 11.25.2025 Client provided Borrower LOX regarding go by the short form of my middle name XXX in everyday use. XXXX is also acceptable. Response, for legal documents, aka names are not acceptable. All documents must reflect the same name, Title vesting and Mortgage Deed of Trust must reflect one of same (legal name). Condition remains Note Name: XXX Deed of Trust and Title now wanting to read as: XXXX (Aka name) vs XXX (legal name) 12.2.2025 Client provided updated title vesting to reflect same as mortgage deed of trust (legal name): XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.41 DTI below guideline of 45. |
| GCAT2026CES1002265 | 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: 732 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.23 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002266 | 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: 26 yrs time at current residence | |||||||||||||||
| GCAT2026CES1002267 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 743 > is above guideline minimum credit score 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 69.16% is 15.84 points below the program guideline maximum 85%. | |||||||||||||||
| GCAT2026CES1002268 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 12/08/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 11/03. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 46% CLTV is 29% below the maximum guideline requirement of 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for 25 years. |
| GCAT2026CES1002269 | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x26 exceeds mortgage history guidelines. CFCFS1750: High potential for increased earnings - Clayton Comments: High potential for increased earnings based on current WVOE showing working over 40 hours weekly at a base rate of $110.13 = $19,089.20 monthly. | |||||||||||||||
| GCAT2026CES1002270 | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.92 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002271 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x60 exceeds mortgage history guidelines. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction by $1,588.16. | |||||||||||||||
| GCAT2026CES1002272 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.43 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 84.46 is less that the max of 90. | |||||||||||||||
| GCAT2026CES1002273 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 734 > is above guideline minimum credit score 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x40 exceeds mortgage history guidelines. | |||||||||||||||
| GCAT2026CES1002274 | 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: Borrower has been at current residence for 16 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 34.57% below guideline requirements 85.00%. | |||||||||||||||
| GCAT2026CES1002275 | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 21 years at current residence CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years in current profession | |||||||||||||||
| GCAT2026CES1002276 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence | |||||||||||||||
| GCAT2026CES1002277 | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH Home Mortgage Information Document | 12/09/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 11/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.29% max per guidelines is 75%. |
| GCAT2026CES1002278 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 76.25% below guideline requirements 90.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.93% below guideline requirement 45.00%. |
| GCAT2026CES1002278 | 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 | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 76.25% below guideline requirements 90.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.93% below guideline requirement 45.00%. |
| GCAT2026CES1002279 | 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: Borrower has been in current residence for 7 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 83.51% max per guidelines is 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower FICO score is 784 max per guidelines is 760. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 25.64% max per guidelines is 45%. | |||||||||||||||
| GCAT2026CES1002280 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.33 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002281 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 6 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 64.28% max per guidelines is 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.22% max per guidelines is 45%. | |||||||||||||||
| GCAT2026CES1002282 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.18% DTI below guideline of 45%. | |||||||||||||||
| GCAT2026CES1002283 | XXXXXX | VA | 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 | RESPA | Satisfied | B | A | B | A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations in file is dated 11/05/2025. Per XXX Report, the Application date is 10/13/2025 and a List of homeowners counseling organizations was sent out on 10/14/2025. Missing the Initial List of homeowners counseling organizations. | 12/09/2025 Client provided missing Homeowners Counseling Organization List dated 09/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 14 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 55% max per guidelines is 75%. |
| GCAT2026CES1002283 | XXXXXX | VA | 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 | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial LE in file is dated 10/23/2025. Per Intent to Proceed Confirmation and the XXX Report, an LE was sent out on 10/14/2025. Missing the Initial LE. | 12/09/2025 Client provided Initial Disclosures including LE 10/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 14 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 55% max per guidelines is 75%. |
| GCAT2026CES1002284 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 31 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 16 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 8 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 79.88% max per guidelines is 85%. | |||||||||||||||
| GCAT2026CES1002285 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: On job since 05/09/1994. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $407 a month. | |||||||||||||||
| GCAT2026CES1002286 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 39% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 39% | |||||||||||||||
| GCAT2026CES1002287 | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| GCAT2026CES1002288 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $3,518.20, max allowed is $; $3,321.76 too high). File is missing the Fee Split worksheet. Provide worksheet for further testing. | 12/09/2025 Client provided Fee Split document for proper allocation of Affiliated fees. QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 73.99 is less that the max of 85. CFCFS1734: Borrower has significant time at current job - Clayton Comments: On job since 01/01/2013. |
| GCAT2026CES1002288 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $3,518.20, max allowed is $; $3,321.76 too high). File is missing the Fee Split worksheet. Provide worksheet for further testing. | 12/09/2025 Client provided Fee Split document for proper allocation of Affiliated fees. QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 73.99 is less that the max of 85. CFCFS1734: Borrower has significant time at current job - Clayton Comments: On job since 01/01/2013. |
| GCAT2026CES1002288 | XXXXXX | VA | 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 | Section 32 | Satisfied | C | A | C | A | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $3,518.20, max allowed is $; $3,321.76 too high). File is missing the Fee Split worksheet. Provide worksheet for further testing. | 12/09/2025 Client provided Fee Split document for proper allocation of Affiliated fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 73.99 is less that the max of 85. CFCFS1734: Borrower has significant time at current job - Clayton Comments: On job since 01/01/2013. |
| GCAT2026CES1002289 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence | |||||||||||||||
| GCAT2026CES1002290 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 18yrs time in profession | |||||||||||||||
| GCAT2026CES1002291 | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton's status determination places loan in a riskier status than the Lender's status determination because of point and fees failure. The test APR is 9.975 %, the benchmark APR is 5.640% resulting in a difference of 4.335, max difference allowed is 1.50% | 11/26/25 Client provided Fee Split disclosure, fees were re-tested with no issues. QM Rebuttable Presumption | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| GCAT2026CES1002291 | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Section 32 | Satisfied | C | A | C | A | CMPS32371 | Section 32 Loan per Points and Fees Test | No | File is missing the Fee Split worksheet. Provide worksheet for further testing. Additional conditions may apply | 11/26/25 Client provided Fee Split disclosure, fees were re-tested with no issues. Condition is satisfied to 1/A | 11/26/25 Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| GCAT2026CES1002292 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 67% CLTV is 13% below the maximum guideline requirement of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 716 credit score exceeds the 660 minimum guideline requirement by 56 points. | |||||||||||||||
| GCAT2026CES1002293 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0X30 since origination in 12/2021. CFCFS1736: Significant time at current residence - Clayton Comments: Owned residence 7 years. | |||||||||||||||
| GCAT2026CES1002294 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 35 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 62.08% max per guidelines is 75%. | |||||||||||||||
| GCAT2026CES1002295 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years and 1 month CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 11 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.98% LTV below guideline requirements of 75.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.54% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| GCAT2026CES1001832 | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | State High Cost | Satisfied | C | B | C | B | CMPSTHC320 | NY High-Cost Loan by exceeding point and fee threshold | No | Adjusted Charges$2,958.44. Maximum Charges $2,846.08. Charges Margin to Threshold $112.36 Maximum percentage 5%. Total Charges 5.197%. | 10/07/2025 Client provided PCCD 10/06, LOE, copy of refund check with Delivered shipping label. Review by internal Compliance counsel and Condition remains due to cure provided outside allowable window of 30 days from consummation.10/21/2025 Upon further review by internal compliance counsel, cure is allowed out to 60 days. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9.3 years current job time CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 58 mos. mtg. payment hist. exceeds guideline of 12 mos. |
| GCAT2026CES1002296 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of revolving credit | |||||||||||||||
| GCAT2026CES1002297 | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 20 years and 11 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 800 is 120 points above program guideline minimum of 680. | |||||||||||||||
| GCAT2026CES1002298 | 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: Borrower has been in current residence for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 47.65% max per guidelines is 85%. | |||||||||||||||
| GCAT2026CES1002299 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Home Mortgage Information Document is missing in the file. | 12/01/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 11/05. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been self-employed for 30 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 36.11% max per guidelines is 85%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.69% max per guidelines is 45%. |
| GCAT2026CES1002300 | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19 yrs time at current job | |||||||||||||||
| GCAT2026CES1002301 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 11/24/2025 Client provided an approved exception request for Missing T.42 Title Endorsement. | Initial and final grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 16 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 55.64% below guideline requirement 75.00% |
| GCAT2026CES1002301 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 11/24/2025 Client provided an approved exception request for Missing T.42.1 Title Endorsement. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 16 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 55.64% below guideline requirement 75.00% |
| GCAT2026CES1002301 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% | No | Current DTI 71.36% exceeds maximum DTI allowed 50.00% per guidelines.*DTI 39.40% in 1008 shows the exclusion of XXX student loan payment 2045 / 423,677 per credit report.*XXX letter page 576 shows unpaid balance 413,686.01Please provide documentation for excluding the student loan payment with MOHELA. | 12.2.2025 Client provided LOX stating, Page 1 of the XXX statement verified the Borrower was on an income based repayment plan with a calculated plan payment amount of $0 with a plan date beginning 11/3/2025 and end date of 10/03/2026. Response, documentation do support approved under XXX payment plan as of 11.03.2025 - 10.3.2026 calculated at $0.00 a month in addition credit report reflect $2,045 with last report date of Year 2016; updated DTI is now 39.40% with this document supporting $0 monthly for one year starting 11.3.2025 | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 16 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 55.64% below guideline requirement 75.00% |
| GCAT2026CES1002302 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.57 DTI below guideline of 45. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at current residence. | |||||||||||||||
| GCAT2026CES1002303 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 8 years and 11 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 63.77% LTV below guideline requirements of 85.00 X% per program. | |||||||||||||||
| GCAT2026CES1002304 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: On job since 09/02/2003. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by approximately $2,000 per month. | |||||||||||||||
| GCAT2026CES1002305 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 19yrs time at current residence | |||||||||||||||
| GCAT2026CES1002306 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.49 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.78 is less that the max of 85. | |||||||||||||||
| GCAT2026CES1002307 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 6yrs tome at current residence | |||||||||||||||
| GCAT2026CES1002308 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 19 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 59.30% max per guidelines is 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.26% max per guidelines is 45%. | |||||||||||||||
| GCAT2026CES1002309 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 13yrs time at current residence | |||||||||||||||
| GCAT2026CES1002310 | XXXXXX | GA | 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 | Compliance Manual | Satisfied | D | B | D | B | CMPMAN2956 | Missing disclosure | No | Missing Final CD at closing | 12/10/2025 Client provided PCCD 11/24 e-signed on 11/24 and Reopened ROR form H8 for both also e-signed on 11/24 with collaborate comment: CD signature was missed at closing, please attached signed PCCD and updated RTC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 768 is above the minimum 760 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70.40%; guidelines allow 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.31%; guidelines allow 45% |
| GCAT2026CES1002311 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.76% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 808 is 128 points above program guideline minimum of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.73% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 6 years and 4 months | |||||||||||||||
| GCAT2026CES1002312 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.24 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.23 is less that the max of 85. | |||||||||||||||
| GCAT2026CES1002313 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 723 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.32%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 59.61%; guidelines allow 85% | |||||||||||||||
| GCAT2026CES1002314 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| GCAT2026CES1002315 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 817 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 20.83 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002316 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | (No Data) | |||||||||||||||
| GCAT2026CES1002316 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 10/17/2025 was not provided to the borrower within 3 days of the application date of 09/30/2025. | 11/26/25 Client provided HOLC dated 10/3/25. Disclosure was timely provided to borrower, condition satisfied | 11/26/25 Condition satisfied | (No Data) | Not Applicable | (No Data) |
| GCAT2026CES1002316 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 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 | CMPTRID3552 | TRID - Loan Estimate not timely | No | LE 10/16/2025 was not provided to the borrower within 3 days of the application date of 09/30/2025. | 11/26/25 Client provided initial LE 10/3/25. Disclosure was tested with no issues. Condition is satisfied | 11/26/25 Condition satisfied | (No Data) | Not Applicable | (No Data) |
| GCAT2026CES1002317 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Unable to locate the title report. | 11.20.2025 Client provided Title Property Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 43% CLTV is 47% below the maximum guideline requirement of 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 21% DTI is 24% below the maximum guideline requirement of 45%. |
| GCAT2026CES1002318 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.20 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 37.67 is less that the max of 90. | |||||||||||||||
| GCAT2026CES1002319 | XXXXXX | AR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 4 years. | |||||||||||||||
| GCAT2026CES1002320 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence | |||||||||||||||
| GCAT2026CES1002321 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 12 years and 10 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job; 11 years and 4 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.53% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 767 is 96 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.26% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| GCAT2026CES1002322 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score 801 exceeds guidelines. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has stable employment with 21 years at current job. | |||||||||||||||
| GCAT2026CES1002323 | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 799 > is above guideline minimum credit score 760. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 35.46% 9.54 points below the program guideline maximum 45%. | |||||||||||||||
| GCAT2026CES1002324 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.64 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 14.29 is less that the max of 75. | |||||||||||||||
| GCAT2026CES1002325 | 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: Borrower has been at current residence for 7 years, CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years at current job | |||||||||||||||
| GCAT2026CES1002326 | 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: 20 yrs time at current residence | |||||||||||||||
| GCAT2026CES1002327 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 750 > is above guideline minimum credit score 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 37 years. | |||||||||||||||
| GCAT2026CES1002328 | XXXXXX | MN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 25 years at current job. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0X55 mortgage payment history exceeds guide lines of 24 months. | |||||||||||||||
| GCAT2026CES1002329 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 28yrs time at current residence | |||||||||||||||
| GCAT2026CES1002330 | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 62.37 is less that the max of 75. CFCFS1734: Borrower has significant time at current job - Clayton Comments: On job since 1/6/06 | |||||||||||||||
| GCAT2026CES1002331 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.47 DTI below guideline of 45. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 24 years at current job. | |||||||||||||||
| GCAT2026CES1002332 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 750 > is above guideline minimum credit score 720. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 10 years. | |||||||||||||||
| GCAT2026CES1002333 | 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: Borrower has been in current residence for 9 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 17 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 58.46% max per guidelines is 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 23.11% max per guidelines is 45%. | |||||||||||||||
| GCAT2026CES1002334 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.67 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 47.97 is less that the max of 85. | |||||||||||||||
| GCAT2026CES1002335 | 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 | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $836. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.91 is less that the max of 75. | |||||||||||||||
| GCAT2026CES1002336 | 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: credit score 704 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.23%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 66.45%; guidelines allow 80% | |||||||||||||||
| GCAT2026CES1002337 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 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 | Need evidence of change of circumstances letter for Ten Percent tolerance, (Settlement closing fee- $81.00; Abastract/Search $-90; Title Exam $-10.00; Notary fee-$25; Lenders Title Ins $141; Title Endorsement $92.50; Payoff Statement $-29; Title cpl- $7.50; Title Courier - $60.5; Recording fees- $-102; Title Doc Prep- $-81.00; Title Prep $33.00; Title E-Recording- $-25.00; Title Wire Charge- $-3.00 ) increase, or a copy of a refund check in the amount of $ 170.50. | 12/02/2025 Client provided PCCD 11/28 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 35 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 772 > is above guideline minimum credit score 760. |
| GCAT2026CES1002338 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing VOM information for 1st lien with XXX Mortgage. | 11.25.2025 Client provided Servicer Lookup Details however right side cut off, condition remains for full legible copy of the Servicer lookup details documentation. 12.1.2025 Client provided VOM however appears to be for the new subject 2nd lien due to showing origination date of 11.13.2025 and subject closed around same time as the origination date. Condition remains for missing evidence of subject 1st lien verification. 12.5.2025 Client provided Servicer lookup loan level detail with 1st lien information | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 40 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job > 25 years |
| GCAT2026CES1002339 | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (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: 23yrs time at current residence | |||||||||||||||
| GCAT2026CES1002340 | XXXXXX | NJ | 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 | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Certification Document issued by the Carrier | 11.21.2025 Client provided copy of Flood Certification Document, flood zone AE and provided flood policy | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 4 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 34.10% below guideline requirements 75.00%. |
| GCAT2026CES1002341 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $5.02 for zero tolerance fees.County and State Tax Stamps were added to the CD dated 11/10/2025. | 12/02/2025 Client provided COC 11/10 reflecting Tax stamps increased due to removal of ex wife from title. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.38 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.34 is less that the max of 90. |
| GCAT2026CES1002342 | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 79.39% is 10.61 points below the program guideline maximum 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 20.93% is 24.07 points below the program guideline maximum 45%. | |||||||||||||||
| GCAT2026CES1002343 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 11/24/2025- Client provided an approved exception for missing T.42 Title Endorsement | 11/24/2025- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x52 exceeds mortgage history guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 14 years. |
| GCAT2026CES1002343 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 11/24/2025- Client provided an approved exception for missing T.42.1 Title Endorsement | 11/24/2025- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x52 exceeds mortgage history guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 14 years. |
| GCAT2026CES1002344 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 764 is above the minimum of 760 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 80%; guidelines allow 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.25%; guidelines allow 45% | |||||||||||||||
| GCAT2026CES1002345 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 18% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 71% | |||||||||||||||
| GCAT2026CES1002346 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.25 is less that the max of 45. CFCFS1734: Borrower has significant time at current job - Clayton Comments: On current job since 08/11/2014. | |||||||||||||||
| GCAT2026CES1002347 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.58 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 72.02 is less that the max of 90. | |||||||||||||||
| GCAT2026CES1002348 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.92 DTI below guideline of 45. | |||||||||||||||
| GCAT2026CES1002349 | 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: Borrower has been at current residence for 8 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job > 42 years. | |||||||||||||||
| GCAT2026CES1002350 | 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 of 44.43 is less that the max of 80. CFCFS1734: Borrower has significant time at current job - Clayton Comments: On job since 7/31/1989. | |||||||||||||||
| GCAT2026CES1002351 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 9 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.19% below guideline requirement 45.00%. | |||||||||||||||
| GCAT2026CES1002352 | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 27% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history |