Exhibit 99.4
Schedule 1 - Clayton Conditions Report
| Client Name: | ||||||
| Client Project Name: | HOMES 2026-NQM6 | |||||
| Start - End Dates: | 11/22/2025 – 5/01/2026 | |||||
| Deal Loan Count: | 110 | |||||
| Conditions Report 2.0 | ||||||
| Loans in Report: | 110 | |||||
| Loans with Conditions: | 21 | |||||
| 1 - Total Active Conditions | ||||||
| 1 - Non-Material Conditions | ||||||
| 1 - Credit Review Scope | ||||||
| 1 - Category: Credit/Mtg History | ||||||
| 21 - Total Satisfied Conditions | ||||||
| 17 - Credit Review Scope | ||||||
| 2 - Category: Assets | ||||||
| 1 - Category: Income/Employment | ||||||
| 4 - Category: Insurance | ||||||
| 5 - Category: Legal Documents | ||||||
| 5 - Category: Terms/Guidelines | ||||||
| 2 - Property Valuations Review Scope | ||||||
| 1 - Category: Appraisal | ||||||
| 1 - Category: Property | ||||||
| 2 - Compliance Review Scope | ||||||
| 2 - Category: Documentation | ||||||
| 2 - Total Waived Conditions | ||||||
| 2 - Credit Review Scope | ||||||
| 1 - Category: Legal Documents | ||||||
| 1 - Category: LTV/CLTV | ||||||
| ©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |
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| Client Name: | ||||
| Client Project Name: | HOMES 2026-NQM6 | |||
| Start - End Dates: | 11/22/2025 – 5/01/2026 | |||
| Deal Loan Count: | 110 | |||
| Conditions Report 2.0 | ||||
| Loans in Report: | 110 | |||
| Loans with Conditions: | 21 | |||
| Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan 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 |
| 753 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Missing completion cert/1004D. Appraiser stated Smoke/CO2 detectors and water heater anchoring or strapping not present at time of inspection and is required by State Law. | 1/6/2026 Client provided photos of smoke detectors. Upon further review of the appraisal, appraiser did not inspect the property for the 10/12/2025 appraisal per client instructions. Appraiser mentioned previously completing an appraisal on 8/21/2025. Condition remains for a current inspection of the property and water heater anchoring. 2/5/2026 Client provided a 1004D with interior and exterior photos. Appraiser explained that water heater straps are not required for the subject's area. Appraiser also stated the bedrooms did not have XXX, which are required by state law. Provide evidence XXX have been installed as required by law. 4.3.2026- Upon review of appraisers 1004Dl; it appears the smoke detectors have not been verified as installed. 4/15/2026 Client provided photos of smoke detectors and an email correspondence from the borrower stating the XXX have been installed in the bedrooms. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 154 points above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x139 months positive consumer payments meeting 12 month guideline requirement. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x23 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. |
| 754 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 145 points above guideline minimum of 640 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITIA reserves more than the XXX of required reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x97 | |||||||||||||||
| 755 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score > 40 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 56 months paid as agreed | |||||||||||||||
| 756 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV > 15 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score > 100 points above guideline minimum | |||||||||||||||
| 757 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x240 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x 156 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 83 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 10.52 points below guideline maximum. | |||||||||||||||
| 758 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | Missing Insurance in effect at close. Insurance in file expired XXX and loan funded XXX | 4/24/26 Client provided Hazard binder effective XXX - XXX with new invoice of $1,721.97 showing paid in full. | 4/24/26 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x 84 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 1x30x180 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 125 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 4 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI above guideline minimum |
| 758 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2996 | Missing Trust Documents | No | Missing Trust Documents. | 4/23/26 Client provided Trust Documents. | 4/23/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x 84 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 1x30x180 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 125 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 4 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI above guideline minimum |
| 759 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x25 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 693 Median FICO > 53 points above guideline minimum of 640. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum 3 months PITIA. | |||||||||||||||
| 760 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITI reserves more than the XXX of required reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 10 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 39 points above guideline minimum of 640 | |||||||||||||||
| 761 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x132 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 18 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 10 points below guideline maximum. | |||||||||||||||
| 762 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1752: No Verified Compensating Factors - Clayton Comments: No Compensating Factors are confirmed in file | |||||||||||||||
| 763 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 88 points above guideline minimum of 620 | |||||||||||||||
| 764 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has XXX of PITIA reserves more than the XXX of required reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower Mortgage History: 0 x 30 x 36 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 100 points above guideline minimum of 700. | |||||||||||||||
| 765 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 182 points above guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30x144 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for 7 years. | |||||||||||||||
| 766 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > XXX PITIA above guideline minimum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x45 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 Median FICO > 115 points above guideline minimum of 660 | |||||||||||||||
| 767 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2996 | Missing Trust Documents | No | Missing Trust Docs or Trust Certification. | 4/24/26 Client provided executed Certification of Trust. | 424/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 25 points above guideline minimum of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower Mortgage History: 0 x 30 x 15 months |
| 768 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 11 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: History: Borrower has 1x30x84 | |||||||||||||||
| 769 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x 254 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x168 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 28.59 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 163 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. | |||||||||||||||
| 770 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score > 100 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV > 25 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI reserves above guideline minimum | |||||||||||||||
| 771 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower Mortgage History: 0 x 30 x 38 months CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their primary residence for the past 6 years | |||||||||||||||
| 772 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 102 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITI reserves more than the XXX of required reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline. | |||||||||||||||
| 773 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing lease agreement for XXX showing rental income of $2,200.00 per month. | 4/29/26 Client provided updated payoff. Missing Lease to support rental income. 4/30/26 Client response: Sorry for the confusion. The property is a duplex, we are using the lower for both units: rental lease and is not needed and appraisal showing the info for total actual monthly rent of $6,200.4/30/26 Missing lease for Unit 2 of $2,200.00. Unit 1 Lease is in file. Lease is required per guideline for refinance transactions. 5/1/26 Client response: The property is a duplex, we are using the lower for both units: we do notneed to provide a rental lease and appraisal showing this info. | 4/29/26 Exception remains. 4/30/26 Exception remains. 5/1/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 52.22% is > 22.78 points below guideline maximum of 75.00% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum XXX PITIA. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x76 |
| 774 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x31 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 43.85 points below maximum guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 120 points above guideline minimum of 640 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITI reserves more than the XXX of required reserves. | |||||||||||||||
| 775 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Borrowers Contact Information Form required for all XXX borrowers. | 4.10.2026- Received XXX contact form | Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline. |
| 776 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 28.33 points below guideline maximum. | |||||||||||||||
| 777 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 43 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x 108 | |||||||||||||||
| 778 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX PITIA above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x240 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 157 points above guideline requirement CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 18 years. | |||||||||||||||
| 779 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x24 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has >XXX PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 46 points above guideline minimum | |||||||||||||||
| 780 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for 18 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: - Borrower has > XXX PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 48 points above guideline minimum. | |||||||||||||||
| 781 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x62 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 10 years & 6 months at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITIA reserves more than the XXX of required reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 150 points above guideline minimum of 640 | |||||||||||||||
| 782 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower is limited user of Credit CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score > 80 points above guideline minimum | |||||||||||||||
| 783 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITIA reserves more than the XXX of required reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 20 points below maximum guideline. | |||||||||||||||
| 784 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x232 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x76 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 156 points above guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. | |||||||||||||||
| 785 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: - Borrower has > XXX PITI above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x300 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x192 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 89 points above guideline minimum | |||||||||||||||
| 786 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV below guideline maximum. CFCFS1736: Significant time at current residence - Clayton Comments: 6 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score > 100 points above guideline minimum | |||||||||||||||
| 787 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Operating Agreement for XXX (vesting) reflecting Member(s) and Member(s) percentage of ownership per guideline requirement. | 4.10.2026- Received LLC documents, operating agreement | Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. |
| 788 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 21 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Median FICO > 21 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x228 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has >XXX PITI above guideline minimum. | |||||||||||||||
| 789 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 135 points above guideline minimum of 640 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITI reserves more than the XXX of required reserves. | |||||||||||||||
| 790 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score > 50 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA reserves above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV > 10 points below guideline maximum | |||||||||||||||
| 791 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing full pages of XXX account ending XXX for months ending January 2026 and February 2026. File only has pages 1 and 2 of each month. | 4/28/26 Client provided all pages of XXX ending XXX for January and February 2026. | 4/29/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score > 90 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 34 months paid as agreed CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI reserves above guideline minimum |
| 791 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 70% is greater than guideline maximum of 65% when DSCR is > 0.75 to < .85 is 65% LTV. Subject DSCR is 0.7960 | 4.15.2026- LTV 70% is greater than guideline maximum of 65% when DSCR is > 0.75 to < .85 is 65% LTV. Subject DSCR is 0.7960. Documented compensating factors include XXX pitia reserves, XXX required, credit fico 758, Client provided exception approval for loam to value above minimum 65%. . Final grade B. | Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score > 90 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 34 months paid as agreed CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI reserves above guideline minimum |
| 792 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITI reserves more than the XXX of required reserves. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Borrower has XXX of PITI reserves more than the XXX of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 159 points above guideline minimum of 640 | |||||||||||||||
| 793 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 10 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments: Median FICO > 141 points above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x84 | |||||||||||||||
| 794 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x71 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITIA reserves more than the XXX of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 168 points above guideline minimum of 640 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 15 points below maximum guideline. | |||||||||||||||
| 795 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 120 points above guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x31 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 12 points below guideline maximum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x57 months positive consumer payment history meeting 12 month guideline requirement. | |||||||||||||||
| 796 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | 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 | The loan file is missing current insurance policy or insurance binder for the subject property. | 4/28/26 Client provided hazard binder in effect at time of loan disbursement on subject property. | 4/28/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x100 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 Median FICO > 136 points above guideline minimum of 660. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum 3 months PITIA. |
| 797 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA reserves above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV > 45 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score > 100 points above guideline minimum | |||||||||||||||
| 798 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 19.28 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 45 points above guideline requirement | |||||||||||||||
| 799 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 20 points below maximum guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITI reserves more than the XXX of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 174 points above guideline minimum of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x53 | |||||||||||||||
| 800 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 95 points above guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x26 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 30 points below guideline maximum. | |||||||||||||||
| 801 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2996 | Missing Trust Documents | No | Missing Trust Agreement or Certification of Trust for XXX | 4/28/26 Client provided Trust Certification for XXX. | 4/28/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum XXX PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 704 Median FICO >44 points above guideline minimum of 640. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 64.12% is > 15.88 percent below guideline maximum of 80.00% |
| 802 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x20 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x360 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 163 points above guideline requirement CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for 11 years and 8 months. | |||||||||||||||
| 803 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 Median FICO > 135 points above guideline minimum of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has >XXX PITIA above guideline minimum XXX PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 55.33 is > 24.67 points below guideline maximum of 80% | |||||||||||||||
| 804 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x 108 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 48 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXXPITI above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x156 | |||||||||||||||
| 805 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 20 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x144 CFCFS1744: DTI below guideline requirement - Clayton Comments: Median FICO > 96 points above guideline minimum | |||||||||||||||
| 806 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 Median FICO > 146 points above guideline minimum of 640 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x31 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x99 | |||||||||||||||
| 807 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has XXX of PITIA reserves more than the XXX of required reserves. | |||||||||||||||
| 808 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC3076 | Legal document was not executed or is incomplete | No | Final CD is missing bottom line on most of the pages | 04/20/2026 Client provided PCCD. | 04/20/2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x53 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum 3 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 741 Median FICO > 61 points above guideline minimum of 680 |
| 809 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX months of PITIA reserves more than the XXX months of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 136 points above guideline minimum of 620 | |||||||||||||||
| 810 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x156 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI above guideline minimum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x 108 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 92 points above guideline minimum | |||||||||||||||
| 811 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Guidelines allow for 4 financed properties to one borrower and no Greater than $5mm.Current Properties with XXX financing.1) XXX2) XXX3) XXX4) XXX#5 XXX - SUBJECT property. | (No Data) | Non Material B grade. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITIA reserves more than the XXX of required reserves. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 161 points above guideline minimum of 620 |
| 812 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2996 | Missing Trust Documents | No | Missing Trust documents or Trust Certification. | 4/22/26 Client provided Revocable Trust and Trust Certification of XXX. | 4/22/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score > 50 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI reserves above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 51 months paid as agreed |
| 813 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 75 points above guideline minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has XXX of PITIA reserves more than the XXX of required reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 50 points below maximum guideline 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower Mortgage History: 0 x 30 x 41 months | |||||||||||||||
| 814 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum XXX PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 Median FICO > 138 points above guideline minimum of 640. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 44.44 is > 30.56 points below guideline maximum of 75.00% | |||||||||||||||
| 815 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3280 | One or more Applications in file are incomplete | No | Missing the following properties from REO section of Final 1003:XXX XXX XXX | 4/23/26 Client response: Note that since this is XXX loan and property is under trust, it's okay to not add, as it counts as not owned by borrower. 4/23/26 Clayton response: Per FNMA all properties held in a trust, especially a revocable trust, should be included on the REO schedule. Guideline does not specify. | 4/23/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 17.86 points below guideline maximum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x222 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 165 points above guideline requirement. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x99 months positive mortgage payment history meeting 12 month guideline requirement. |
| 815 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2996 | Missing Trust Documents | No | Missing Trust Documents or Certification of Trust | 4/23/26 Client provided Trust Certification. | 4/23/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 17.86 points below guideline maximum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x222 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 165 points above guideline requirement. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x99 months positive mortgage payment history meeting 12 month guideline requirement. |
| 816 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 Median FICO > 110 points above guideline minimum of 660. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x82 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum XXX PITIA. | |||||||||||||||
| 817 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 141 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITIA reserves more than the XXX of required reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 20 points below maximum guideline. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x74 | |||||||||||||||
| 818 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 41.97 points below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 Median FICO > 61 points above guideline minimum of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has XXX of PITIA reserves more than the XXX of required reserves | |||||||||||||||
| 819 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 194 points above guideline requirement CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x99 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x288 months positive consumer payment history meeting 12 month guideline requirement. | |||||||||||||||
| 820 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 58 points above guideline requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 50.95 points below guideline maximum. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for 25 years. | |||||||||||||||
| 821 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 10 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has0x30x48 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 157 points above guideline requirement. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for 7 years. | |||||||||||||||
| 822 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing XXX. Both XXX and XXX XXX are rated N/A | 4/27/26 Client provided XXX dated 4/3/26 which supports original appraised value of $XXX | 4/27/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has >XXX PITI above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x240 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage History: Borrower has 0x30x156 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO >104 points above guideline minimum |
| 823 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum XXX PITIA. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x75 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 629 Median FICO > 9 points above guideline minimum of 620. | |||||||||||||||
| 824 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 134 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 27.10 points below guideline maximum | |||||||||||||||
| 825 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 741 Median FICO > 61 points above guideline minimum of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum 3 months PITIA. | |||||||||||||||
| 826 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower's have resided in their XXX residence for the past 10 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has XXX of PITIA reserves more than the XXX of required reserves. | |||||||||||||||
| 827 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score > 50 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV > 5 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA reserves above guideline minimum | |||||||||||||||
| 828 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing Gift Letter reflected on Final 1003 of $55,000.00. Bank statement ending XXX reflects deposit of $50,000 on 3/24 from account #XXX. No further documentation in file in reference to Gift or deposit. | 4/27/56 Client provided new 1003 (not executed) reflecting a Gift to be given or will receive and not deposited of $55,000.00. 4/27/26 Missing Gift letter for $55,000.004/8/26 Client provided new 1003 and 1008 removing Gift letter funds. | 4/27/26 Exception remains. 4/28/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x48 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 46 points above guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x28 months positive consumer payment history meeting 12 month guideline requirement. |
| 829 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum XXX PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 50.00 is > 30.00 points below guideline maximum of 80.00% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 Median FICO > 196 points above guideline minimum of 620 | |||||||||||||||
| 830 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 2.28 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 141 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x168 | |||||||||||||||
| 831 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has >XXX PITI above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x38 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 24 points above guideline minimum | |||||||||||||||
| 832 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x300 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 53 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 10 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI above guideline minimum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x144 | |||||||||||||||
| 833 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 150 points above guideline minimum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x108 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x204 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 20 points below guideline maximum. | |||||||||||||||
| 834 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 50 months paid as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score > 40 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI reserves above guideline minimum | |||||||||||||||
| 835 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 24 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x216 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI above guideline minimum. | |||||||||||||||
| 836 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 135 points above guideline minimum of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x72 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITIA reserves more than the 6 months of required reserves. | |||||||||||||||
| 837 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 1x30x144 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 145 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x 60 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is >45 points below guideline maximum. | |||||||||||||||
| 838 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 Median FICO > 128 points above guideline minimum of 660. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum XXX PITIA CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x99 | |||||||||||||||
| 839 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x63 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum XXX PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 Median FICO >118 points above guideline minimum of 660 | |||||||||||||||
| 840 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITI reserves more than the XXX of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 91 points above guideline minimum of 620 | |||||||||||||||
| 841 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x45 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x262 months positive consumer payment history meeting 12 month guideline requirement CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 166 points above guideline requirement. | |||||||||||||||
| 842 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 25 points below guideline maximum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x62 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 103 points above guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. | |||||||||||||||
| 843 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 89 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 pointsbelow guideline maximum. | |||||||||||||||
| 844 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | 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 declaration pages | 4/24/26 Client provided Hazard binder. | 4/24/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score > 90 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA reserves above guideline minimum CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at current residence. |
| 845 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 155 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITI reserves more than the XXX of required reserves. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 23 years at primary residence | |||||||||||||||
| 846 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 63 points above guideline requirement. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for 8 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum. | |||||||||||||||
| 847 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has XXX of PITIA reserves more than the XXX of required reserves CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower Mortgage History: 0 x 30 x 15 months | |||||||||||||||
| 848 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing signed ACH Form as required by G/L's for XXX. | 4/23/26 Client provided fully completed and executed ACH and borrower contact information. | 4/23/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITIA reserves more than the XXX of required reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline. |
| 849 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing the following required documents per guideline for XXX borrowers:1- ACH fully completed and executed2- Borrower contact information. | 4/24/26 Client proved fully executed and completed ACH form and Borrower contact information form. | 4/24/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 23 points below maximum guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITIA reserves more than the XXX of required reserves. |
| 850 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrowers have 0x30x70 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for 25 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30x313 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 114 points above guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 55.58 points below guideline maximum. | |||||||||||||||
| 851 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing completed and executed ACH form as required by guidelines for XXX. | 4/23/26 Client provided completed and executed ACH form. | 4/23/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITIA reserves more than the XXX of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 113 points above guideline minimum of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x40 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 22 years at primary residence |
| 852 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x216 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x96 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 55 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has >XXX PITI above guideline minimum. | |||||||||||||||
| 853 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX of PITIA reserves more than the XXX of required reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x47 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 169 points above guideline minimum of 620 | |||||||||||||||
| 854 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Waived | D | B | D | B | CRDLGL100 | Legal document incorrect or incomplete | No | Missing authorized signature for seller (XXX) on purchase contract. Purchase Contract in file is only signed by buyer. | 5/5/26 Client response: Please refer to page 25 of the purchase agreement. Thank you.5/5/26 Missing Authorized Seller initials on Purchase contract, page 15 is missing authorized signature, missing signature on Acknowledgment and Confirmation of Disclosures, ID of Exempt transfer, and General addendum. Contract in file is page 1-20 with addendums. Exception remains. 5/6/26 Client provide: For purchase contract, long as purchase price + EMD matches we are good to proceed. For all those addendum, long as it does not affect the loan we will not require to review it. Its contract between seller and buyer and escrow is the one who needs to review fully.5/6/26 Please re-submit purchase contract including page 25 reflecting sellers signature. 5/7/26 Client provided purchase contract missing the Seller signature. Seller signed for receipt of Earnest Money For of $2,000.005/7/26 Missing the purchase contact signed by seller. Signature for EMD does not bind the contract. 5/8/26 Upon Clayton review, the seller signed deed and closing documents this exception is considered non material based on FICO 742 and LTV of 74.67. 5/13/26 Received except approval | 5/5/26 Exception remains. 5/5/26 Exception remains. 5/7/26 Exception remains. 5/8/26 Final Grade B5/13/26 Exception waived. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 74.67% is > 5.08 points below guideline maximum of 80.00% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX PITIA above guideline minimum XXX PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 Median FICO > 82 points above guideline minimum of 660 |
| 855 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $XXX exceeds guideline requirement of $XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 Credit score exceeds minimum required of 700 | |||||||||||||||
| 856 | XXXXXX | XXXXXX | QM: Safe Harbor | 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 lived at current residence for 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 27.7 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 182 points above guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x124 months positive consumer payment history. | |||||||||||||||
| 857 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score > 50 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX months PITIA reserves above guideline minimum CFCFS2854: Significant time in profession - Clayton Comments: 21 years in profession | |||||||||||||||
| 858 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 49.07 points below guideline maximum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0 x 30 x 99 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 79 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum. | |||||||||||||||
| 859 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX months PITIA above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower haws 0x30x156 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 181 points above guideline requirement. | |||||||||||||||
| 860 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 158 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 15 points below guideline maximum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 1x30x168 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX months PITI above guideline minimum. | |||||||||||||||
| 861 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI Effective XXX PCCD Disbursement Date XXX | 4/23/26 Client provided hazard effective as of XXX | 4/23/26 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 165 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX months PITI above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is >41.17points below guideline maximum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x 60 |
| 862 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > XXX months PITI reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score > 100 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV > 10 points below guideline maximum |
| Client Name: | ||||
| Client Project Name: | HOMES 2026-NQM6 | |||
| Start - End Dates: | 11/22/2025 – 5/01/2026 | |||
| Deal Loan Count: | 110 | |||
| Conditions Report 2.0 | ||||
| Loans in Report: | 110 | |||
| Loans with Conditions: | 21 | |||
| Loan Number | Lender Application Date | Broker Application Date | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Did Lender Acknowledge Exception at Origination |
| 753 | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 754 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 755 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 756 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 757 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 758 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 759 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 760 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 761 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 762 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 763 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 764 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 765 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 766 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 767 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 768 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 769 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 770 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 771 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 772 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 773 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 774 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 775 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 776 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 777 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 778 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 779 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 780 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 781 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 782 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 783 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 784 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 785 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 786 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 787 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 788 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 789 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 790 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 791 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 792 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 793 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 794 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 795 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 796 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 797 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 798 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 799 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 800 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 801 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 802 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 803 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 804 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 805 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 806 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 807 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 808 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 809 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 810 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 811 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 812 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 813 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 814 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 815 | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 816 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 817 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 818 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 819 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 820 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 821 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 822 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 823 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 824 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 825 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 826 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 827 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 828 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 829 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 830 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 831 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 832 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 833 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 834 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 835 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 836 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 837 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 838 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 839 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 840 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 841 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 842 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 843 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 844 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 845 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 846 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 847 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 848 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 849 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 850 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 851 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 852 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 853 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 854 | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 855 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 856 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 857 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 858 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 859 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 860 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 861 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 862 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |