Exhibit 99.1- Schedule 1
| Client Name: | ||||||
| Client Project Name: | VISIO 2026-2 | |||||
| Start - End Dates: | 7/01/2026 - 9/28/2026 | |||||
| Deal Loan Count: | 491 | |||||
| Conditions Report 2.0 | ||||||
| Loans in Report: | 491 | |||||
| Loans with Conditions: | 51 | |||||
| 0 - Total Active Conditions | ||||||
| 65 - Total Satisfied Conditions | ||||||
| 44 - Credit Review Scope | ||||||
| 10 - Category: Application | ||||||
| 17 - Category: Assets | ||||||
| 4 - Category: Credit/Mtg History | ||||||
| 3 - Category: Insurance | ||||||
| 7 - Category: Legal Documents | ||||||
| 2 - Category: Terms/Guidelines | ||||||
| 1 - Category: Title | ||||||
| 19 - Property Valuations Review Scope | ||||||
| 1 - Category: Appraisal | ||||||
| 5 - Category: FEMA | ||||||
| 13 - Category: Value | ||||||
| 2 - Compliance Review Scope | ||||||
| 2 - Category: Documentation | ||||||
| 0 - Total Waived Conditions | ||||||
| ©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |
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| Client Name: | ||||||||||||||||||||||||||||||||||||
| Client Project Name: | VISIO 2026-2 | |||||||||||||||||||||||||||||||||||
| Start - End Dates: | 7/01/2026 - 9/28/2026 | |||||||||||||||||||||||||||||||||||
| Deal Loan Count: | 491 | |||||||||||||||||||||||||||||||||||
| Conditions Report 2.0 | ||||||||||||||||||||||||||||||||||||
| Loans in Report: | 491 | |||||||||||||||||||||||||||||||||||
| Loans with Conditions: | 51 | |||||||||||||||||||||||||||||||||||
| Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan 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 |
| VISIO202620515 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 57 months mortgage payment history 0x30. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets for reserves $61,393.67; required reserves 6 months * $2,101.83 ($12,610.98) | |||||||||||||||
| VISIO202620520 | XXXXXX | KS | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.048> 1 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 61.73% is below maximum allowed 75% CFCFS1736: Significant time at current residence - Clayton Comments: 5 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 697 exceeds minimum required 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $88,040.92 exceed required of $6,297.96. | |||||||||||||||
| VISIO202620509 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 680 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $644,207.31; required reserves 6 months * $6,364.67 ($38,188.02) | |||||||||||||||
| VISIO202620585 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70 % is below maximum allowed 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 775 exceeds minimum required 680 CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.935 > 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves $198,262.55 > reserves required 1599.50*6 = $9597.00 | |||||||||||||||
| VISIO202620569 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $109,131.64 reserves > required reserves 6 months * $1,640.30 ($9,841.80) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 mid score > min required of 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 55 months mortgage payment history 0x30. Guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620559 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 741 exceeds minimum required 680 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x60 in past 81 months reviewed for non-mortgage tradelines, guidelines allow 1x60x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $166,137.92 reserves > required 6*1647.04=$9,882.24 | |||||||||||||||
| VISIO202620586 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $97,810.98; required reserves 6 months * $3,479.01 ($20,874.06) CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 680 | |||||||||||||||
| VISIO202620614 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $33,462.06> 6 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 94 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 mid-score FICO > 680 product minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 127 months of 0x30 consumer credit history per CBR. 24 months required. | |||||||||||||||
| VISIO202620521 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 15 years at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 44.29%; guidelines allow 75%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $69,369.56; required reserves 6 months* $3,306.10 ($19,836.60) CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30,0x60,0x90 for 242 months reviewed on active tradelines. | |||||||||||||||
| VISIO202620617 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 175 months of 0x30 consumer credit history per CBR. 24 months required CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x24 reviewed, guidelines allow 1x30x12. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.237 > 1 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 756 exceeds minimum required 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Reserves $7,469.52, required reserves $1,212.21x6 = $7,273.26 | |||||||||||||||
| VISIO202620519 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.469. Minimum 1.0 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 202 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid-score per CBR. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $460,713.29 post closing reserves. $11,848.38 minimum required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 76.92% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 135 months of 0x30 mortgage history per CBR; 12 months required. | |||||||||||||||
| VISIO202620664 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 706 > 700 required. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.398 > 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $86,404.48; required reserves $34,754.70. | |||||||||||||||
| VISIO202620522 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $104,684.63; required reserves 6 months * $1,470.14 ($8,820.84) CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 256 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 682 mid-score per CBR; 680 FICO is minimum required per guidelines. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. | |||||||||||||||
| VISIO202620800 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 6 years living at primary residence. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.537 over 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 7.28 months of PITI reserves exceed 6 months required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 782 exceeds minimum required 700 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 437 months of 0x30 consumer credit history per CBR. 24 months required. | |||||||||||||||
| VISIO202620516 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.90% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 mid score > min required of 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have68 months mortgage payment history 0x30. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $93,421.51; required reserves 6 months * $2,648.32 ($15,889.92) CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 235 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620639 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 793 exceeds minimum required 680 CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at current residence. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.398 > 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $127,133.39> required reserves 6 X 1484.12 = $8,904.72. | |||||||||||||||
| VISIO202620719 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.115 > 1 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: No 30 days late since 11/2020. Guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $23,290.47 post closing reserves > $8,069.52 minimum required. | |||||||||||||||
| VISIO202620723 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 4 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $48,471.60 >required reserves 6 months * $1,616.13 ($9,696.78) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 mid score > min required of 680 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x50, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620587 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Value | Satisfied | A | B | A | B | PRVAVALU5249 | Property Value Not Supported | No | Per appraisal value XXX, CDA Value XXX outside of tolerance value -22.36% | (No Data) | Recon Provided value XXX used for LTV | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 99 months mortgage payment history 0x30. Guidelines allow 1x30x24 CFCFS1736: Significant time at current residence - Clayton Comments: 48 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $86,422.86; required reserves 6 months * $1,251.44 ($7,508.64) |
| VISIO202620510 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have47 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $352,934.59; required reserves 6 months * $2,530.36 ($15,182.16) CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 mid score > min required of 680 | |||||||||||||||
| VISIO202620517 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have55 months mortgage payment history 0x30, max allowed 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $65,833; required reserves 6 months * $3,318.94 ($19,913.64) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 25 years at current residence. | |||||||||||||||
| VISIO202620588 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 99 months mortgage payment history 0x30. Guidelines allow 1x30x12 CFCFS1736: Significant time at current residence - Clayton Comments: 48 years at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 680 | |||||||||||||||
| VISIO202620589 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $190,223.64 > required reserves 6 months * $1,553.22 ($9,319.32) CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 48 years at current residence. | |||||||||||||||
| VISIO202620590 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score is 780 > minimum score of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: 60% LTV < max allowed of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in 99 months reviewed, guidelines allow 1x30x12. CFCFS1736: Significant time at current residence - Clayton Comments: 48 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $214716.18 reserves > required reserves 6*1743.35 = 10460.10 | |||||||||||||||
| VISIO202620591 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 48 years at current residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $116,240.48 > required reserves 6 months * $1,498.74 ($8,992.44) CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60%; guidelines allow 75%. | |||||||||||||||
| VISIO202620512 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing applicable selection for citizenship status on loan application for Co-Borrower 2. No other applicable documentation was located in file. | 7.9.2026- Verified with client that co-borrower is a XXX unable to updated 1003. Exception Satisfied | 7.9.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 765 exceeds minimum required of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in past 56 months reviewed for both borrowers , guidelines allow no more than 1x30 in the past 12 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves Required; 6 months x $5432.78 = $32596.68, Available reserves from cash-out refi $142,241.88 |
| VISIO202620626 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 716 mid-score per CBR; 680 minimum required per guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: 12 years at current residence CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 216 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $118,662.81 or 41.57 months of reserves; 6 months required. | |||||||||||||||
| VISIO202620523 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 53% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit 51 months reviewed. CFCFS1736: Significant time at current residence - Clayton Comments: 15 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets from transaction $153,170.18. Requirement 6 months @ $1,408.37 = $8,450.22. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 142 months of 0x30 credit history per CBR; 24 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 128 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 742. Minimum requirement 680. | |||||||||||||||
| VISIO202620535 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $48,748.79 reserves 27.75 months PITI > required reserves 6 * $1756.67 = $10540.02 CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 758 exceeds minimum fico of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV at 58.88% below max CLTV 75% | |||||||||||||||
| VISIO202620592 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $10,817.62 reserves > Required reserves are 6 months PITIA: $1494.79 x 6 = $8968.74 CFCFS1736: Significant time at current residence - Clayton Comments: 6 years at current residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have74 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 680 | |||||||||||||||
| VISIO202620606 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 15 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.718 over 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $153,482.18 = 119.91 months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 737 exceeds minimum required 680 per guidelines. | |||||||||||||||
| VISIO202620551 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below guidelines maximum of 80%. CFCFS1736: Significant time at current residence - Clayton Comments: 11 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 > 700 for up to 80% LTV. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 0x30 in 99 months reviewed, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $41,779.45 > required reserves 6 *6951.53=41709.18 | |||||||||||||||
| VISIO202620768 | XXXXXX | CO | (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: 0x30x94, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $181,883.69 post closing reserves > $20,703.54 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 702 > 680 minimum required. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at current residence. | |||||||||||||||
| VISIO202620506 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $275,068.72; required reserves 6 months * $2,575.33 ($15,451.98). CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 5 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 367 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 69% LTV per review; 75% LTV is maximum allowed per guidelines. | |||||||||||||||
| VISIO202620507 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.37% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: 5 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $318,825.69; required reserves 6 months * $3,013.83 (18,082.98) CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 mid score > min required of 680 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 367 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620607 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 64.51% is below maximum allowed 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 11.15 months of PITI reserves exceed 6 months required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 789 exceeds minimum required 680 | |||||||||||||||
| VISIO202620536 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 mid score > min required of 680 CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.312 > 1.000 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30,0x60,0x90 o n all active tradelines for 176 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $23,150.72; required reserves 6 months * $1,333.71 ($8,002.26) | |||||||||||||||
| VISIO202620873 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 728. Requirement 680. CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves from transaction $63,409.77. Requirement 6 months @ $2,230.18 PITIA=$13,381.08. | |||||||||||||||
| VISIO202620537 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $97,085.91 in post closing reserves. $11,937.36 minimum required. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.206 > 1.000 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 733 exceeds minimum required of 680. | |||||||||||||||
| VISIO202620513 | XXXXXX | ME | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $165,515.86; required reserves 6 months * $1,437.01 ($8,622.06) CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has55 months mortgage payment history 0x30, 1x30x12 allowed. | |||||||||||||||
| VISIO202620524 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 804 exceeds min required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $145,333.59 post closing reserves > Minimum $8040.24 required. CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence. | |||||||||||||||
| VISIO202620709 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 credit score. Minimum 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $311,321.72 (53.75 months PITIA reserves) > min required reserves of 6 months PITIA ($14,754.64 minimum required) | |||||||||||||||
| VISIO202620508 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - Clayton Comments: 0x30,0x60,0x90 with 242 months reviewed. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 on all mortgages in past 29 months reviewed exceeds and is better than requirement of no more than 1x30 in past 12 month period. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 763 exceeds minimum fico requirement of 680 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x60 for Non-mortgage tradelines in past 242 months reviewed exceeds and is better than minimum requirement of no more than cumulative 1X60 over prior 12 months. | |||||||||||||||
| VISIO202620538 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 75% below the Max CLTV of 80% for Purchase transactions with values over $200K and fico's above 700 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 819 exceeds minimum fico requirement of 700 | |||||||||||||||
| VISIO202620518 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $29,978.94 > Required reserves are 6 months PITIA : $1896 x 6 = $11,376 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 70%; guidelines allow 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 680 | |||||||||||||||
| VISIO202620684 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 FICO > 680 product minimum CFCFS1736: Significant time at current residence - Clayton Comments: 7 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $18789.01 or 10.16 months of reserves; 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 75 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620681 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 FICO > 680 product minimum per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 17 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Cash back: $281,113.04 verified cash reserves. Required reserves 6 months x $2,677.10 (PITI) = $16,062.6 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 149 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620539 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 49 months mortgage payment history 0x30, guidelines allow max 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $65,932.28; required reserves 6 months * $1,790.44 ($10,742.64) | |||||||||||||||
| VISIO202620552 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.59% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.010 over 1 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x60 on non-mortgage active tradelines in 181 months, guidelines allow 1x60x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $40,716.73 > Reserves required 6 *2,177.46=$13,064.76 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 745 exceeds minimum required 700 min for up to 80% LTV purchase. | |||||||||||||||
| VISIO202620608 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > Minimum 700 for up to 80% LTV. CFCFS1736: Significant time at current residence - Clayton Comments: 5 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $44,122.75 post closing reserves > $23,685.36 minimum required. | |||||||||||||||
| VISIO202620545 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV of 46.11% is below 80% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $31,401.41 > required reserves 6 months * $3,147.36 ($18,884.16) CFCFS1736: Significant time at current residence - Clayton Comments: 21 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 680 | |||||||||||||||
| VISIO202620550 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 11 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $405,204.95 or 89.73 months of reserves. $27,095.28 (6 months) required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 328 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 mid score. Minimum 680 required per guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments: 43.89% LTV per review; 80% LTV is maximum allowed per guidelines. | |||||||||||||||
| VISIO202620635 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $46,800.64 reserves > required 6x1,222.53=$7,335.18 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in past 63 months, guidelines allow 1x30x12. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 75% below Max CLTV 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 score > 680 required for up to 75% LTV CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.472 >1 | |||||||||||||||
| VISIO202620560 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 49.41% LTV < 75% maximum LTV CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 446 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 385 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 21 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 FICO > 680 Product Minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves per proceeds $194332.55 > Required reserves 6 months x $2169.41 = $13016.46 | |||||||||||||||
| VISIO202620724 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 11 years at current residence. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.375 > 1 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x61, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets are $14,694.62 or 6.46 months of reserves; the 6 months required 6x $2,275.77 = $13,654.62 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 299 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 771 exceeds minimum required 700 | |||||||||||||||
| VISIO202620553 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 747 exceeds minimum fico of 700 for up to 80% LTV. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x16 months reviewed, guidelines allow 1x30x12. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 76.92 below the max LTV 80% CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at current address | |||||||||||||||
| VISIO202620540 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 167 months reviewed, guidelines allow 1x60x12 for non-mortgage tradelines. CFCFS1736: Significant time at current residence - Clayton Comments: 5 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 mid score > min required of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV of 38.20% is below 80% maximum allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: reserves $1,851,675.91 > required reserves 6 months * $1,785.19 ($10,711.14) | |||||||||||||||
| VISIO202620570 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves $35,859.05 > reserves required 6*1666.51 = 9,999.06 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 715 exceeds minimum required 700 for up to 80% LTV CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.230 > 1 | |||||||||||||||
| VISIO202620549 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 FICO > 700 product minimum for up to 80% LTV. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in 37 months reviewed, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $296,438.80 (153.10 months PITIA reserves) > Required reserves 6 months x $1,936.20 = $11,617.20 | |||||||||||||||
| VISIO202620534 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in past 13 months reviewed is better than max allowed of 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 766 exceeds minimum fico requirement of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $55,977.92 exceed min required of $9,031.62. CFCFS2860: Good credit history - Clayton Comments: 0x30,0x60,0x90 in past 90 months reviewed on all active tradelines. | |||||||||||||||
| VISIO202620593 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 235 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $440,299.28 > Required reserves: 6month PITI x $1991.62 = $11949.72. CFCFS1736: Significant time at current residence - Clayton Comments: 12 years at current residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 324 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 736 FICO > 700 product minimum for up to 80% LTV | |||||||||||||||
| VISIO202620594 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 736 >Requirement 700. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x99. Guidelines allow 1x30x12. CFCFS1736: Significant time at current residence - Clayton Comments: 12 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $443,905.85 > Requirement 6 months @ $1,930.87 PITIA=$11,585.22 | |||||||||||||||
| VISIO202620561 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 in 99 months on active mortgages, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $471,705.22 > Requirement 6 months @ $2,196.59 PITIA=$13,179.48. CFCFS1736: Significant time at current residence - Clayton Comments: 12 years at current home. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 736. Requirement 680. | |||||||||||||||
| VISIO202620525 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Post closing assets (via proceeds) $4,055.23 (3.04 months PITIA reserves) < min required reserves of 6 months {Although liquid asset cited on final 1003, verification of account was not provided for review.} | 7.10.2026 Lender provided 2 CD from cash-out transactions involving other properties, CD are XXX, with a combines total of $9152 for reserves. | 7.10.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.797. Minimum 1.0 |
| VISIO202620916 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $159,289.60 >required 6*5825.20=$34,951.20 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 716 exceeds minimum required 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 27.92% is below maximum allowed 75% CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.257 > 1 | |||||||||||||||
| VISIO202620571 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70% below max CLTV 75% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 311 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 793 exceeds minimum fico requirement of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $213,128.88 reserves > required 6*2132.72=$12,796.32 CFCFS1736: Significant time at current residence - Clayton Comments: 11 years at current address | |||||||||||||||
| VISIO202620505 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.605. Minimum 1.0 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $196,869.40 post closing reserves. $14,768.34 | |||||||||||||||
| VISIO202620577 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 193 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x45, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $38,227.83 > required reserves 6*3395.10=20370.60 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 726 exceeds minimum fico of 700 | |||||||||||||||
| VISIO202620541 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico of 795 exceeds minimum requirement of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 38,941.97 reserves or 13.77 months PITIA > 6 x 2827.36 reserves required = $16,964.16 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV at 75% below the max CLTV of 80% | |||||||||||||||
| VISIO202620665 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 699 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $20,665.06; required reserves 6 months * $1,500.40 ($9,002.40). CFCFS1736: Significant time at current residence - Clayton Comments: 12 years living at primary residence. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. | |||||||||||||||
| VISIO202620526 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | C | B | A | A | C | B | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Property Valuations | Value | Satisfied | C | B | C | B | PRVAVALU5249 | Property Value Not Supported | No | Reconciliation report provided and lower $XXX Recon value used. Exception satisfied. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 mid score. Minimum 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.569. Minimum 1.0 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 120 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 6 years living at primary residence. |
| VISIO202620527 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $53593.60 post closing reserves > Minimum 6 x 1,862.93 = $11,177.58 required CFCFS1736: Significant time at current residence - Clayton Comments: 6 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 747 exceeds minimum 680 required. | |||||||||||||||
| VISIO202620528 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.313 > 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 22.74 months of PITI reserves exceed 6 months required CFCFS1736: Significant time at current residence - Clayton Comments: 6 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 747 exceeds minimum required 680 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 94 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 407 months of 0x30 mortgage payment history per CBR, 12 months required. | |||||||||||||||
| VISIO202620531 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per subject and simultaneous proceeds $56,890.66 > required reserves 6 months * $2,612.29 ($15,673.80) CFCFS1736: Significant time at current residence - Clayton Comments: 6 years at current residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have67 months mortgage payment history 0x30, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620532 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 mid-score per CBR. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $72,367.34 or 71.93 months of post close reserves. 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 120 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.590. Minimum 1.0 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 407 months of 0x30 mortgage history per CBR; 12 months required. | |||||||||||||||
| VISIO202620533 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing sufficient reserves per guidelines. Available $5,565.74, required reserves 6 * $1,449.73 = $8,698.38. Approval notes $23,310.49 in additional reserves from simultaneous refinance transaction. Missing Final Closing statement with additional reserves from simultaneous refinance. | 7.10.2026 Lender provided CD dated XXX for property XXX, cash-out of $45,036. This meets the reserve requirement amount of $8698 | 7.10.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 6 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 > minimum 680 required CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in 67 months reviewed, guidelines allow 1x30x12. |
| VISIO202620542 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves from transaction $88,043.53 > Requirement 6 months PITIA@ $1,344.46=$8,066.76 CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying CLTV 61.34% < Max allowed 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 691 > Minimum requirement 680. | |||||||||||||||
| VISIO202620647 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 733 exceeds max Fico of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70% below max CLTV 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets $153,648.37 reserves > reserves required 6*1757.74=10546.44 CFCFS1736: Significant time at current residence - Clayton Comments: 6 years at current residence. | |||||||||||||||
| VISIO202620685 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX statement # XXX used for funds to close and to partially cover required reserves. | 8.11.26 - Received a copy of 6/30/26 XXX # XXX statement showing assets required. | 8.11.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 769 exceeds minimum required 700 for up to 80% CLTV. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $39,383.87 (9.80 months PITIA reserves) > min required reserves of 6 months PITIA ($24,106.20) CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x62, guidelines allow 1x30x12. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.336 > 1 |
| VISIO202620529 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 733 exceeds minimum of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $481,484.68 or 104.81 months PITIA exceed reserves required 6 months x $4,593.67 PITIA = $27,562.02 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 75% below Max CLTV of 80% | |||||||||||||||
| VISIO202620648 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 9 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $118,483.80; required reserves 6 months * $7,114.58 ($42,687.48) CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 107 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 61.04%; guidelines allow 75%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have47 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 680 | |||||||||||||||
| VISIO202620649 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers Mid credit score of 777 exceeds guideline requirements of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing Assets $84739.20 (12.44 Months Reserves) > Min required Reserves of 6 months PITIA CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers Mortgage on Credit shows no late payments since inception of 05/24/2022 | |||||||||||||||
| VISIO202620511 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 mid score > min required of 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have72 months mortgage payment history 0x30. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 104 months. | |||||||||||||||
| VISIO202620666 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX asset printout/statements for XXX accounts used to qualify, as per underwriting approval. | 8.7.2026- Received XXX asset report | 8.7.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 772 exceeds minimum fico of 700 CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 75% below max CLTV 80% |
| VISIO202620595 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 246 months of 0x30 consumer credit history per CBR; 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 752 exceeds minimum fico of 680 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 72 months of 0x30 consumer credit history per CBR. CFCFS1736: Significant time at current residence - Clayton Comments: 5 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $11,554 reserves in file. Required 6*1847.16 = $11,082.96 | |||||||||||||||
| VISIO202620572 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Estimated HUD-1 in File, Missing Final HUD-1 | 07.22.2026 - Settlement statement received is still not executed we need the Final ALTA executed by title company and borrowers.07.22.2026 - Received executed settlement statement | 07.22.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 mid score > minimum required of 680 FICO per guidelines CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 86 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $409,210.88; required reserves 6 months * $5,298.96 ($31,793.76) CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.62% LTV per review; 75% LTV is maximum allowed per guidelines. |
| VISIO202620627 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at primary residence CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 321 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 mid score > min required of 680 | |||||||||||||||
| VISIO202620628 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x66, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $139,717.51 post closing reserves > 6*1690.52 = 10,143.12 minimum required. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current residence. | |||||||||||||||
| VISIO202620578 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 193 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 754 exceeds minimum required 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $11,968.43 or 6.13 months of PITI reserves. 6 months required. | |||||||||||||||
| VISIO202620543 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 771 exceeds minimum required 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 45.09 months of PITI reserves exceed 6 months required CFCFS1736: Significant time at current residence - Clayton Comments: 14 years at current residence. | |||||||||||||||
| VISIO202620753 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX XXX $ 6208 and XXX investment # XXX assets account statements used to qualify, per underwriting approval. | 8.20.26 - Received copies of required 3 statements; XXX XXX and XXX supported asset values required. | 8.20.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 since 01/2024, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $24,762.48 or 15.18 months of reserves; $9,786.78 (6 months) minimum required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 > 700 required. |
| VISIO202620546 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 15 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 82,876.33 reserves > reserves required 6 *3443.91=20,663.46 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 775 exceeds minimum 680 | |||||||||||||||
| VISIO202620580 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $112,922.15 reserves > required reserves 6 x 4062.60= 24375.60 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 785 exceeds minimum fico of 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x56, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620581 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 809 exceeds minimum fico of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 65%. Max CLTV 75% CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at current address | |||||||||||||||
| VISIO202620798 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | N/A | N/A | B | A | B | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 months of required prior primary rental history; no VOR in file. | (No Data) | the Approval and letter of explanation for borrower's mortgage history and experience have been provided. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum program score is 680 and borrowers score is 724 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $19,803.67 or 7.71 months; 6 months required. |
| VISIO202620514 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 19.59 months of PITI reserves exceed 6 months required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $36,580.27 (19.59 months PITIA reserves) > min required reserves of 6 months. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.258 over 1 | |||||||||||||||
| VISIO202620605 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 722 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 71.52%; guidelines allow 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $19,984.11 / 19.91 months PITIA > min required of $6021.00. | |||||||||||||||
| VISIO202620675 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 93 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 271 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $204,893.36; required reserves 6 months * $1,416.58 ($8,499.48) | |||||||||||||||
| VISIO202620596 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $41,935.57 > required reserves 6 months * $2,454.34 ($14,726.04) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 700 for up to 80% LTV CFCFS2860: Good credit history - Clayton Comments: 0x60 in 123 months reviewed , guidelines allow 0x60x12. | |||||||||||||||
| VISIO202620718 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 818 exceeds minimum fico requirement of 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x55 months , guidelines allow 1x30x12. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.818 > 1 | |||||||||||||||
| VISIO202620597 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 750 > Requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves 140,079.69 > Requirement 6 months @ $1,101.89 PITIA=$6,611.34 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 in 64 months reviewed, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620751 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 > 700 minimum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $45,208.76 post closing reserves > $34,368.72 minimum required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x32, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620554 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 47.73% below max LTV 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets $79,348.55 or 45.30 months of reserves. 6 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 402 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 698 exceeds minimum fico requirement of 680 | |||||||||||||||
| VISIO202620530 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 51 months of 0x30 mortgage history per CBR; Guidelines allow 1x30x12 CFCFS1736: Significant time at current residence - Clayton Comments: 4 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 768 exceeds minimum required 680 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 135 months of 0x30,0x60,0x90 consumer credit history per CBR; Guidelines allow 1x60x12 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $138,277.32 or 30.25 months of PITI reserves > 6 months required | |||||||||||||||
| VISIO202620629 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | C | A | C | A | CRDLGL199 | Discrepancy between Note and ARM Rider | No | Minimum rate per Note is 6.875% and ARM rider Min rate is 6.925%. | 8.17.26 - Received an ARM Rider showing 6.875% as minimum rate. | 8.17.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.017 over 1 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 745 exceeds minimum required 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 29.23 months of PITI reserves exceed 6 months required |
| VISIO202620630 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | C | A | C | A | CRDLGL199 | Discrepancy between Note and ARM Rider | No | Minimum rate per ARM Rider is 6.800% and Min rate per Note is 6.75%. | 8.17.26 - Received an ARM Rider showing minimum rate of 6.75%. | 8.17.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 FICO > 680 product minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $78014.54 verified cash reserves > $10124.16 required |
| VISIO202620711 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $88,622.47 (51.79 months PITIA reserves) > min required reserves of 6 months PITIA ($10,266.42) CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 745 > 720. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x85, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620548 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have58 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x60 for 100 months reviewed on active tradelines, guidelines allow 1x60x12 for non-mortgage accounts. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets for reserves $27,325.58 > required reserves 6 months * $2,735.02 ($16,410.12) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 mid score > min required of 700 for up to 80% LTV | |||||||||||||||
| VISIO202620566 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | C | B | A | A | C | B | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Property Valuations | Value | Satisfied | C | B | C | B | PRVAVALU5249 | Property Value Not Supported | No | CDA Value XXX outside of tolerance max 10%, -10.91% | (No Data) | Recon value of XXX provided that supports value. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 since 01/2022, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 777 > Requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $113,184.49 > Requirement 6 months @ $5,657.44 PITIA- $33,944.64. |
| VISIO202620567 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | C | B | A | A | C | B | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Property Valuations | Value | Satisfied | C | B | C | B | PRVAVALU5249 | Property Value Not Supported | No | CDA Value XXX outside of tolerance max 10% -10.91% | (No Data) | Recon value of XXX provided that supports value. | Not Applicable | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have53 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $113,672.50; required reserves 6 months * $5,640.52 ($33,843.12) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 680 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 286 months of 0x30 consumer credit history per CBR; 24 months required. |
| VISIO202620568 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 since 01/2022, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $163,461.85 reserves > reserves required 6x4010.75 = $24,064.50 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 777 exceeds minimum fico requirement of 680 | |||||||||||||||
| VISIO202620544 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 384 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV of 70% is below maximum allowed 75% CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 44.28 months of PITI reserves exceed 6 months required CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.211 over 1 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 697 exceeds minimum required 680 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 160 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620667 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV at 60% is below the max 75% CLTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 742 exceeds minimum fico of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets $70,918.20 reserves > required reserves 6 x 2260.46 =13,562.76. CFCFS1736: Significant time at current residence - Clayton Comments: 25 years at current location | |||||||||||||||
| VISIO202620609 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | B | D | A | C | B | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing residency documentation. Provide front and back of XXX or stamp and signed I797c. | 7.30.26 - Received copy of the back of the XXX only, file is missing copy of the front of ID. 8.3.26 - Received copy of the front of the XXX. | 7.30.26 - Exception remains.8.3.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 6 years at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying ltv 50% < Max allowed 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 704 > Requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves from transaction $222,907.31 > Requirement 6 months @ $1,783.73 PITIA=$10,702.38. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 on all active and past mortgages, guidelines allow 1x30x12. |
| VISIO202620609 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | B | D | A | C | B | N/A | N/A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | Desk Review in file has a XXX Value with a -23.55% Variance and does not support the appraised value. | (No Data) | Reconciliation that supports the appraised value provided. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 6 years at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying ltv 50% < Max allowed 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 704 > Requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves from transaction $222,907.31 > Requirement 6 months @ $1,783.73 PITIA=$10,702.38. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 on all active and past mortgages, guidelines allow 1x30x12. |
| VISIO202620555 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 761 exceeds minimum required 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 204.63 months of PITI reserves exceed 6 months required CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.623 over 1 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 71.91% is below maximum allowed 75% | |||||||||||||||
| VISIO202620690 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score. 680 minimum required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $65,434.82 post-closing reserves (10.31 months PITIA reserves) > min required reserves of 6 months PITIA ($38,067.78) | |||||||||||||||
| VISIO202620576 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in 23 months reviewed, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 742 exceeds minimum required 700 for up to 80% CLTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $65,185.59 > required reserves 6*6095.79 = 36574.74 | |||||||||||||||
| VISIO202620547 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves $52,574.97 > Required reserves are 6 months PITIA: $5707.86 x 6 = $34,247.16 CFCFS1736: Significant time at current residence - Clayton Comments: 22 years at primary residence | |||||||||||||||
| VISIO202620650 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing underwriting loan approval, the document in file is for different file #XXX. | 8.10.26 - Received the underwriting Loan Approval for subject property. | 8.10.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $105431.8 > reserves required 6x2312.13 = 13,872.78 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x46, guidelines allow 1x30x12. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 750 exceeds minimum required 680 |
| VISIO202620651 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $106,307.64 (49.67 months PITI reserves) > min required reserves of 6 months PITI CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.261% > 1.00% | |||||||||||||||
| VISIO202620652 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 750 exceeds minimum fico 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 51.86%. Max CLTV 75% | |||||||||||||||
| VISIO202620573 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 60% < 75% maximum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in past 64 months, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $167,646.98 post closing reserves > $19,753.68 minimum required. | |||||||||||||||
| VISIO202620579 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 680 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 48 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have62 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets for reserves $378,056.01; required reserves 6 months * $2,249.78 ($13,498.68) | |||||||||||||||
| VISIO202620562 | XXXXXX | NC | (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: 0x30x69 months reviewed, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $55,856 post closing reserves > 6* 1723.24 =$10,339.44 minimum required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 85 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 782 > 700 required for LTV of up to 80%. | |||||||||||||||
| VISIO202620604 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $256513.68 available > Required reserves are 6 months PITIA: $4570.35 x 6 = $27,422.10. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.44%; guidelines allow 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 700 for up to 80% LTV | |||||||||||||||
| VISIO202620556 | XXXXXX | AR | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $737,853.73 > Requirement 6 months * PITIA $2,384.32=$14,305.92. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 793 > Requirement 700 for up to 80% LTV. CFCFS2860: Good credit history - Clayton Comments: 0x60 in 251 months reviewed on active tradelines, guidelines allow 1x60x12. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 in 59 months reviewed, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620636 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Score of 789 exceeds minimum 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $333,047.45 reserves > reserves required 6*2,380.80=$14,284.80 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in 50 months, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620618 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $161,635.68 > required reserves 6 months * $1,354.55 ($8,127.30) CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have59 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 307 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 5 years living at primary address. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 680 | |||||||||||||||
| VISIO202620668 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.506 > 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $228,991.52 >reserves required 6 x 2655.61=15933.66. CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 747 exceeds minimum required 680 | |||||||||||||||
| VISIO202620852 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 817 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Verified reserves $131,327.26; required reserves 6 months * $4,201.45 ($25,208.70) CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 452 months. 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 28.19%; guidelines allow 80%. | |||||||||||||||
| VISIO202620557 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 > 700 minimum for up to 80% LTV, purchase. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $61,467.41 or 46.48 months of reserves; 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 251 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x41 per CBR, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620748 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $176,196.99 post closing reserves. $9501.24 minimum required CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% < 75% maximum. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 > 680 minimum. | |||||||||||||||
| VISIO202620563 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have73 months of current mortgage payment history 0x30. Guidelines allow 1x30x12 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 5 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 43.36%; guidelines allow 75%. | |||||||||||||||
| VISIO202620691 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets $167,646.98 reserves 130.44 months PITIA > 6 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 750 exceeds minimum score of 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x64 , guidelines allow 1x30x12 | |||||||||||||||
| VISIO202620574 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.311. Minimum 1.0 CFCFS1736: Significant time at current residence - Clayton Comments: 4 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 188 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $60,722.90 or 34.61 months of reserves. $10,528.44 (6 months) required. | |||||||||||||||
| VISIO202620558 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 796 exceeds minimum required 680 for up to 80% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $487,830.17 > reserves required 6*7983.60=47901.60 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 218 months of 0x30 mortgage history per CBR, 12 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 81 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence. | |||||||||||||||
| VISIO202620598 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 4% CFCFS1736: Significant time at current residence - Clayton Comments: 22 years at primary residence CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 116 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $146,838.24 / 128.03 months PITIA > min required of $6881.28. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 680 | |||||||||||||||
| VISIO202620599 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 22 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid-score per CBR; 680 minimum required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $144,419.56 post closing reserves in file. $7,800.54 minimum required CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 116 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620619 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x20, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close reserves $34,839.73 >reserves required 6x2940.51=17643.06 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 722 exceeds minimum fico of 700 for up to 80% LTV. CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at current residence | |||||||||||||||
| VISIO202620610 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $351,712.79 >required reserves 6 months * $2,916.77 ($17,500.62) CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 162 months reviewed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at current residence. | |||||||||||||||
| VISIO202620564 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in 110 months per CBR, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid-score of 764 exceeds minimum FICO requirement of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Reserves $773,957.64, reserves required 6 months at $3,998.33 = $23,989.98 | |||||||||||||||
| VISIO202620686 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x51 months, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 788 exceeds minimum required 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets $178,028.56 > required reserves 6 x 1,480.80 = $8,884.80. | |||||||||||||||
| VISIO202620611 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | CDA Value XXX outside of tolerance max 10% -27.27% | (No Data) | Recon value of XXX provided that supports value. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close funds from transaction $32,450.48 > Requirement 6 months @ PITIA $1,167.46=$7,004.76. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 808 > Requirement 680. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x99, guidelines require 0x30x12. |
| VISIO202620975 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $152,380.26 > Requirement 6 months @ $3,122.53 PITIA=$18,735.18. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 706. Requirement 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x29, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620669 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | Missing satisfactory CDA to support value used to qualify. CDA provided has variance of 11.45% which > max permitted of 10% Clayton to order updated desk review. | 8.11.26 - Received Reconciliation valuation dated 7/15/26 with value of $XXX | 8.11.26 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $65,165.40 (33.87 months PITIA reserves) > min required reserves of 6 months PITIA CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 765 exceeds minimum fico of 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: No lates on Mortgage history throughout the duration of the credit report. CFCFS2860: Good credit history - Clayton Comments: Excellent payment history, no major derogs, excellent fico score |
| VISIO202620637 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Value | Satisfied | A | A | A | B | PRVAVALU5249 | Property Value Not Supported | No | Desk review in file has a -45.45% Variance and does not support the Appraised value. | (No Data) | 7/14/26 reconcile desk review provided in file, for $XXX, value supported. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 47.73%; guidelines allow 70%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 209 months of 0x30 consumer credit history per CBR. CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 680 per guidelines. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8% |
| VISIO202620600 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 711 exceeds minimum fico of 700 for up to 80% LTV. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75% < Max LTV 80% CFCFS1736: Significant time at current residence - Clayton Comments: 5 years at current residence. | |||||||||||||||
| VISIO202620750 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $141,435.20 > required reserves 6 months * $14,544.41 ($87,266.46) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 719 mid score > min required of 700 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have36 months mortgage payment history 0x30. Guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620646 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 31 years at primary residence CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 382 months. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 19% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $1,186,866.73 / 240.36 months PITIA > min required of $29,627.58. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 680 | |||||||||||||||
| VISIO202620692 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | C | B | A | A | C | B | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Property Valuations | Value | Satisfied | C | B | C | B | PRVAVALU5249 | Property Value Not Supported | No | Desk Review in file has a value of XXX which does not meet tolerance. | (No Data) | Reconciliation was provided that meets tolerance. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 57.67% LTV < 75% product cap CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 FICO > 680 Product minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required reserves (6 months x PITI) $8793.42. Borrower cash back $161422.29 |
| VISIO202620612 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $60,062.12 post closing reserves > 6*1884.41 = $11,306.46 minimum required. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 3.370 > 1 | |||||||||||||||
| VISIO202620787 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $458,467.85 or 227.94 months of PITI reserves. 6 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 687 mid-score per CBR; 680 is minimum required per guidelines. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.094 over 1 CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 154 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620631 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x17 reviewed, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $136,828.27 > min required of $8844.30. CFCFS1736: Significant time at current residence - Clayton Comments: 3 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 700 for up to 80% LTV per guidelines. | |||||||||||||||
| VISIO202620620 | XXXXXX | ME | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 697 mid score > minimum required of 680 per guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 36.36%; guidelines allow 70%. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 54.75 months of reserves in file; 6 months required. | |||||||||||||||
| VISIO202620902 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Verified reserves $202,411.67 or 66.14 months of reserves; 6 months required * $3,060.51 ($18,363.06) CFCFS2860: Good credit history - Clayton Comments: 260 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years living at primary residence. | |||||||||||||||
| VISIO202620613 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.469 > 1 CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $14273.54 > required 6*1548.49= $9290.94. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 44.44 % is below maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 817 exceeds minimum required 680 | |||||||||||||||
| VISIO202620693 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.1694 over 1 CFCFS1736: Significant time at current residence - Clayton Comments: 4 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $519,371.41 or 274.88 months of PITI reserves > min required reserves of 6 months PITIA CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 728 exceeds minimum required 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 44.55 % is below maximum allowed 75% | |||||||||||||||
| VISIO202620725 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 754 exceeds minimum required 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets are $283,822.70 or 103.25 months of reserves, 6 months reserves required= $16,493.04. CFCFS1736: Significant time at current residence - Clayton Comments: 4 years living at primary residence. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.33 > 1 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x54 , guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620621 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x54, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 775 exceeds minimum fico of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $47,183.29 cash reserves, reserves required $1,075.82*6 = $6,454.92. | |||||||||||||||
| VISIO202620670 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70 % is below maximum allowed 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 27.22 months of PITI reserves exceed 6 months required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 725 exceeds minimum required 680 | |||||||||||||||
| VISIO202620653 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 mid score > min required of 680 per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 345 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $580,917.06 / 140.27 months PITIA > min required of $24,849.18. | |||||||||||||||
| VISIO202620575 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.71% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 108 months of 0x30 mortgage credit history; 12 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $77,201.74 = 30.93 months reserves in file, 6 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 12 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower mid score is 755 and required score for program is 680 FICO per guidelines. | |||||||||||||||
| VISIO202620565 | XXXXXX | CO | (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: 489 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 32.47% is below maximum allowed 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post Close Assets are $166,161.05 or 109.53 months of PITI reserves. 6 months required. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.976 over 1 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 772 exceeds minimum required 680 | |||||||||||||||
| VISIO202620582 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 806 exceeds minimum fico 700 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 142 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 74.59% below max CLTV 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 18.05 months of reserves in file; 6 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 4 years living at primary residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 97 months of 0x30 mortgage history per CBR; 12 months required. | |||||||||||||||
| VISIO202620632 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 751 exceeds minimum fico requirement of 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x32 months, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets $201,243.30 reserves > required reserves 6*3221.47=19328.82 | |||||||||||||||
| VISIO202620715 | XXXXXX | DC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 706. Requirement 680. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $153,716.38. Requirement 6 months @ $1,752.09 PITIA=$10,512.48. CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. | |||||||||||||||
| VISIO202620786 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65% < guidelines allow 75%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have50 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $238,288.50 >required reserves 6 months * $2,324.01 ($13,944.06) | |||||||||||||||
| VISIO202620761 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $247,803.18 >required reserves 6 months * $2,322.65 ($13,935.90) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; guidelines allow 75%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have50 months mortgage payment history 0x30. Guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620835 | XXXXXX | WV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $176,794.10 or 119.92 months of reserves; 6 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid-score per CBR; 680 minimum required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 294 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.289. Minimum 1.0 CFCFS1736: Significant time at current residence - Clayton Comments: 22 years living at primary residence. | |||||||||||||||
| VISIO202620836 | XXXXXX | WV | (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: 111.28 months of PITI reserves exceed 6 months required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 797 exceeds minimum required 720 CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.210 over 1 | |||||||||||||||
| VISIO202620583 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.202 over 1 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 60% is below maximum allowed 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $220,555.87 (118.52 months PITIA reserves) > min required reserves of 6 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 797 exceeds minimum required 680 | |||||||||||||||
| VISIO202620638 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | No assets in file. Borrower was required to bring $5,555.96 to closing and 6 months reserves required. | 8.7.2026- Received asset report overview | 8.7.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 775. Requirement 680. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit. CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit report. CFCFS1736: Significant time at current residence - Clayton Comments: 4 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: 60% LTV per review; 65% LTV is maximum allowed per guidelines. |
| VISIO202620638 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | 6 months PITIA $3,067.04 is required. No assets located in file. | 8.7.2026- Received asset report overview | 8.7.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 775. Requirement 680. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit. CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit report. CFCFS1736: Significant time at current residence - Clayton Comments: 4 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: 60% LTV per review; 65% LTV is maximum allowed per guidelines. |
| VISIO202620638 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2304 | Unverified Assets | No | No assets in file. Borrower was required to bring $5,555.96 to closing and 6 months reserves required. | 8.7.2026- Received asset report overview | 8.7.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 775. Requirement 680. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit. CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit report. CFCFS1736: Significant time at current residence - Clayton Comments: 4 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: 60% LTV per review; 65% LTV is maximum allowed per guidelines. |
| VISIO202620837 | XXXXXX | WV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 797 exceeds minimum fico of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 65% < maximum LTV of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets $172,672.69 reserves > required reserves $1553.84*6 = $9323.04 CFCFS1736: Significant time at current residence - Clayton Comments: 22 years at current address | |||||||||||||||
| VISIO202620584 | XXXXXX | AZ | (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: 0x30 in 99 months reviewed, guidelines allow 1x30x12. CFCFS1737: LTV below guideline requirements - Clayton Comments: 60% LTV < 75% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $186,106.94 post closing reserves > $9,619.50 required. | |||||||||||||||
| VISIO202620971 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $1,733,183.46. > required 6 months @ $1,196.32 PITIA=$7,177.92. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x27, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 796 > 700 required. | |||||||||||||||
| VISIO202620972 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 796 > 700 required. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x27, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $1,719,871.44 exceed required reserves 6x1478.86 = $8873.16. | |||||||||||||||
| VISIO202620973 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $1,713,415.38 post closing reserves > $9,215.22 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 > 700 required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x27, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620640 | XXXXXX | KY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 761 > 680 min required. CFCFS1736: Significant time at current residence - Clayton Comments: 41 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $112,915.96 > Requirement 6 months @ $1,653.48 PITIA=$9,920.88 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 58.45% > Max allowed for rate and term values>$200,000 is 80%. | |||||||||||||||
| VISIO202620641 | XXXXXX | KY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets $112,471.78 > reserves required 6*1654.96= 9929.76 CFCFS1736: Significant time at current residence - Clayton Comments: 41 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 761 exceeds minimum fico of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 58.75% below the max LTV 80% | |||||||||||||||
| VISIO202620754 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 701 > requirement 680. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 since 03/2025, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $359,173.53 > Requirement 6 months @ $5,933.30 PITIA=$35,599.80. | |||||||||||||||
| VISIO202620642 | XXXXXX | KY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 58.75% < guidelines allow 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves $112,507.58 > min required of $9957.96. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 41 years at primary residence | |||||||||||||||
| VISIO202620654 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $29,524.56; required reserves 6 months * $4,031.33 ($24,187.98) CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 214 months per CBR; 24 months required. | |||||||||||||||
| VISIO202620676 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing evidence of XXX, provide front and back of XXX or applicable residency documentation. | 8.5.2026- Received XXX, front and back, valid dates | 8.5.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x31 months reviewed, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 722 exceeds minimum required 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $336,138.77 (105.13 months PITI reserves) > min required reserves of 6 months PITI ($19,184.34) CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.817 > 1 |
| VISIO202620694 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit report. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close Reserves $56,769.43 from transaction. Requirement 6 months @ PITIA $3,430.62=$20,583.72. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 778. Requirement 680. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit. | |||||||||||||||
| VISIO202620601 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing supporting documentation for retirement assets used for reserve requirement: XXX, XXX and XXX. | 7.27.2026 Received assets statements | 7.27.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: 0x60 in 405 months reviewed on active tradelines, guidelines allow 1x60x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 700 for up to 80% LTV. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. |
| VISIO202620601 | XXXXXX | TX | (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 supporting documentation for retirement assets used for reserve requirement: XXX, XXX and XXX. | 7.27.2026 Received assets statements | 7.27.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: 0x60 in 405 months reviewed on active tradelines, guidelines allow 1x60x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > min required of 700 for up to 80% LTV. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. |
| VISIO202620622 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have45 months mortgage payment history 0x30. CFCFS1736: Significant time at current residence - Clayton Comments: 4 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 680 per guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $259,920.70; required reserves 6 months * $2,099.80 ($12,598.80) CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 222 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620655 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit report. 345 months reported. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 802. Requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $733,744.84 or 133.03 months of reserves. Requirement 6 months @ $5,515.47 PITIA = $33,092.82. | |||||||||||||||
| VISIO202620602 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $125,266.73 reserves > required reserves 6 months PITIA: $2594.55 x 6 = $15,567.30. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has68 months of current mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 mid score > min required of 680 | |||||||||||||||
| VISIO202620687 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing verification of sufficient homeowners coverage. Total encumbrances: $XXX / Policy coverage: $512,000. Lender guidelines require 100% of insurable value. (RCE was not provided.) | 8.10.26 - Received a Hazard policy for subject property showing $XXX total coverage for both units and replacement cost coverage as well. Coverage is sufficient. | 8.10.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $94,204.31; required reserves 6 months * $4,481.91 ($26,891.46) CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 2.05% > min required of 1.00% CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have45 months mortgage payment history 0x30. |
| VISIO202620720 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60%; guidelines allow 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $38,774.86 > min required of $14,822.16. CFCFS1736: Significant time at current residence - Clayton Comments: 14 years at primary residence | |||||||||||||||
| VISIO202620656 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 mid score > min required of 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have68 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $82,969.84 (52.99 months PITI reserves) > min required reserves of 6 months PITI ($9,395.28) | |||||||||||||||
| VISIO202620643 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $224,513.27 post closing reserves. $10,164 minimum required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.04% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.299. Minimum 1.0 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 371 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 15 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 818 mid-score per CBR; 680 minimum required. | |||||||||||||||
| VISIO202620712 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 28.90%; guidelines allow 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $993,170.27 > Required reserves are 6 months PITIA: $4125.50 x 6 = $$24,753.00 CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid score > min required of 680 | |||||||||||||||
| VISIO202620792 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $58,988.16 or 7.31 months of reserves. 6 months reserves: $8,064.94 x 6 = $48,389.64. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 680 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 26% CFCFS1736: Significant time at current residence - Clayton Comments: 9 years at primary residence | |||||||||||||||
| VISIO202620657 | XXXXXX | KY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $70,651.83 post closing reserves > $13,622.04 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 > 700 minimum for up to 80% LTV. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in 53 months, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620634 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 credit score > minimum 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $98,904.26 post closing reserves > 6x2282.66 = $13,695.96 minimum required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x58 months, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620984 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - Clayton Comments: 0x30x60x90 in past 180 months reviewed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves from transaction $78,102.29. Requirement 6 months @ $2,202.54 PITIA=$13,215.24. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 728. Requirement 680. | |||||||||||||||
| VISIO202620658 | XXXXXX | SC | (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: 812 mid score > min required of 680 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $149,952.58; required reserves 6 months * $1,515.81 ($9,094.86) CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 75%. | |||||||||||||||
| VISIO202620776 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 26 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 712 exceeds minimum fico requirement of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 74.93% < max LTV 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves in file $50,046.84 > required reserves 6 months at $5,686.86 = $34,121.16 | |||||||||||||||
| VISIO202620831 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $275,023.73 post closing reserves > $32,727.18 minimum required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x13, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 > 700 required. | |||||||||||||||
| VISIO202620623 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $739,367.17 reserves or 365 months PITIA; 6 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 755 exceeds minimum fico of 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 287 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 177 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620659 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.339 > 1 CFCFS1736: Significant time at current residence - Clayton Comments: 15 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $263,480.28 > Reserves required 6 x 2688.12=16128.72 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 785 exceeds minimum required 680 | |||||||||||||||
| VISIO202620603 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $3,582,773.82 > required reserves 6 months * $7,888.69 ($47,332.14) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 707 mid score > min required of 700 for up to 80% LTV CFCFS1736: Significant time at current residence - Clayton Comments: 14 Years at current residence. | |||||||||||||||
| VISIO202620695 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $306,720.50 or 94.94 months of reserves; required reserves 6 x $3,230.64 = $19,384.84 CFCFS1736: Significant time at current residence - Clayton Comments: 14 years at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 60 % is below maximum allowed 75% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 241 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 771 exceeds minimum required 680 per guidelines. | |||||||||||||||
| VISIO202620615 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post close assets are $18,413.68. Required reserves of 6 months PITIA: $2,163.76 x 6 = $12,982.50 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have67 months of current mortgage payment history 0x30 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 95 months per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 3 years living at primary residence. | |||||||||||||||
| VISIO202620979 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 > 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x69, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $240,304.28 post closing reserves > $12,295.74 minimum required. | |||||||||||||||
| VISIO202620683 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Value | Satisfied | A | A | A | B | PRVAVALU5249 | Property Value Not Supported | No | Desk review value is lower than appraisal value - Reconciliation matching appraised value used. | 7.31.2026- Desk review value is lower than appraisal value - Reconciliation matching appraised value used. | 7.31.2026-exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 785 exceeds minimum required 700 for up to 80% LTV> CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $62,176.42 reserves > $10,107.96 required. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.401 > 1 |
| VISIO202620616 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post close assets are $632,802.83. Required reserves are 6 months PITIA: $3,468.29 x 6 = $20,809.74 CFCFS1736: Significant time at current residence - Clayton Comments: 26 years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 mid score > min required of 680 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 469 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 14% | |||||||||||||||
| VISIO202620696 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $57,551.95; required reserves 6 months * $1,789.87 ($10,739.22). CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 72 months. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have51 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 mid score > min required of 680 | |||||||||||||||
| VISIO202620903 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since XXX disaster XXX: Severe Storms, Straight-line Winds, Tornadoes, and Flooding | 9.28.2026 PDI provided, property is free and clear of disaster related damages. | 9.28.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $58,733.47 post closing reserves > $6,979.80 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid-score per CBR; 680 minimum required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x99, guidelines allow 1x30x12. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 285 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 27 years at current residence. |
| VISIO202620671 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $239,623.68 = 171.24 months of reserves; 6 months required. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.501 over 1 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 751 exceeds minimum required 680 per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 205 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620739 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.365 > 1 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x62, guidelines allow 1x30x12. CFCFS1736: Significant time at current residence - Clayton Comments: 5 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 195 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $120,074.95 post-closing reserves. $15,381.00 (6 months) minimum required. | |||||||||||||||
| VISIO202620644 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $108,183.31 post closing reserves. $43,580.58 minimum required CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.437. Minimum 1.0 | |||||||||||||||
| VISIO202620726 | XXXXXX | MS | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $75,513.10 or 35.90 months of reserves. 6 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.127. Minimum 1.0 required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 mid-score per CBR; 680 minimum required. CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s) - Clayton Comments: 227 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 29 years living at primary residence. | |||||||||||||||
| VISIO202620660 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.416. Minimum 1.0 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $354,535 (113.57 months PITI reserves) > min required reserves of 6 months PITI | |||||||||||||||
| VISIO202620762 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: 56.78% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $121,643.53 post closing reserves. $8,168.10 minimum required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 178 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 mid-score per CBR; 700 FICO is minimum required per guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.543. minimum 1.0 | |||||||||||||||
| VISIO202620904 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Missing inspection after XXX disaster XXX; post disaster inspection required. | 9.17.2026 Post Disaster Inspection provided showing free and clear of disaster related damages. | 9.17.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 285 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 27 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $68,728.65 or 59.64 months of reserves; 6 months required @ $1,152.31 = $6,913.86. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.54% LTV per review; 75% LTV is maximum allowed per guidelines. |
| VISIO202620905 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | Missing subsequent inspection from XXX XXX Disaster - Severe Storms, Straight-line Winds, Tornadoes, and Flooding; PCI required. | 9.17.2026 Post Disaster Inspection provided showing free and clear of disaster related damages. | 9.17.2026 Exception satsfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. CFCFS2860: Good credit history - Clayton Comments: 285 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $76,555.16 or 59.40 months of reserves; 6 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 27 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 680 |
| VISIO202620913 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since XXX effective XXX. Clayton to order PCI | 9.17.2026 Post Disaster Inspection provided showing free and clear of disaster related damages. | 9.17.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 285 months of 0x30 consumer credit history per CBR; 24 months required, CFCFS1736: Significant time at current residence - Clayton Comments: 27 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $62,651.58 or 50.19 months of post-closing reserves. $7,489.56 (6 months) minimum required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.250. Minimum 1.0 required. |
| VISIO202620663 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 345 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $529,671.91 or 139.63 months of reserves. 6 months required @ 3,793.38 PITIA = $22,760.28. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 802. Requirement 680. | |||||||||||||||
| VISIO202620624 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $654,308.17 > Requirement 6 months $1,858.81 PITIA=$11,152.86. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 755 > Requirement 700 for up to 80% LTV. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% < guideline maximum of 80%. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x99, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620727 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at current residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x43, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 credit score >Minimum 700 | |||||||||||||||
| VISIO202620716 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 credit score. Minimum 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $86,579.91 post closing reserves. $42,307.62 minimum required. | |||||||||||||||
| VISIO202620677 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.532 over 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 45.34 months of PITI reserves exceed 6 months required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 739 exceeds minimum required 680 CFCFS1736: Significant time at current residence - Clayton Comments: 15 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 147 months of 0x30 consumer credit history per CBR. 24 months required. | |||||||||||||||
| VISIO202620672 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 779 exceeds minimum fico of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves $57,177.22 > required reserves 6 x 1071.19=6427.14. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x19 months, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620708 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $132,651.25 post closing reserves. $23,223.84 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid-score per CBR; 760 minimum required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 27 months of mortgage history per CBR; 12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.160. Minimum 1.0 required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 269 months of 0x30 consumer credit history; 24 months required. | |||||||||||||||
| VISIO202620714 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x85, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $49,606.26 > Requirement 6 months @ $2,320.98 PITIA=$13,925.88. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 726 >Requirement 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying ltv 70%. Max allowed 75% ltv. | |||||||||||||||
| VISIO202620906 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 consumer credit history since 7/2021 per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 701. Requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $213,993.48 or 44.71 months of reserves. Requirement 6 months @ $4,786.66 PITIA = $28,719.96. CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying ltv 69.83%. Max allowed 75% ltv. | |||||||||||||||
| VISIO202620645 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Please upload BUYERS final HUD-1 | 8.11.26 - Received a copy of complete buyers final HUD-1 on subject property. | 8.11.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.731 > 1 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 791 exceeds minimum required 700 for up to 80% LTV. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 on all mortgages open and closed in last 22 months, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $32,800.89 = 12.21 months of reserves in file; 6 months required. |
| VISIO202620645 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing CD/HUD-1. | 8.10.26 - Received copy of seller CD for subject. Borrower final CD required. | 8.10.26 - Exception satisfied . | (No Data) | Not Applicable | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.731 > 1 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 791 exceeds minimum required 700 for up to 80% LTV. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 on all mortgages open and closed in last 22 months, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $32,800.89 = 12.21 months of reserves in file; 6 months required. |
| VISIO202620809 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $310,429.28 > Requirement 6 months @ $2,595.80 PITIA=$15,574.80. CFCFS2860: Good credit history - Clayton Comments: 0x60x95 , guidelines allow 1x60x12 on non-mortgage tradelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 733 > Requirement 700. | |||||||||||||||
| VISIO202620721 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x18, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $54,941.49 > min required of $13,497.12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 680 | |||||||||||||||
| VISIO202620742 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $41,895.56 or 39.99 months of reserves; 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 282 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates in the last 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 68.63% below the max CLTV 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 794 exceeds the minimum fico requirement of 700 | |||||||||||||||
| VISIO202620661 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $114,253.31 (95.52 months reserves) > min required reserves of 6 months PITIA CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower mid score is 778 and program requires 680 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: All mortgages on credit have been current since inception | |||||||||||||||
| VISIO202620682 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing residency documentation. Provide front and back of XXX. | 8.3.26 - Received copy of the front and back of the active XXX | 8.3.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $15,323.47 post closing reserves > $9,890.76 minimum required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in 71 months, guidelines allow 1x30x12. CFCFS1736: Significant time at current residence - Clayton Comments: 9 years at current residence. |
| VISIO202620844 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 755 exceeds minimum required 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 since 05/2025, guidelines allow 1x30x12. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 72.32 % is below maximum allowed 80% | |||||||||||||||
| VISIO202620697 | XXXXXX | DE | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $145,109.59 > required reserves 6 months * $1,061.70 (6,370.20). CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have71 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1736: Significant time at current residence - Clayton Comments: 23 years at current residence. | |||||||||||||||
| VISIO202620799 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $137,026.16..Requirement 6 months @ $1,133.77=$6,802.62. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.91% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 762..Requirement 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 126 months of 0x30 mortgage history per CBR; 12 months required. | |||||||||||||||
| VISIO202620673 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 59.66% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 680 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have64 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $635,272.23 / 176.87 months PITI > min required of $21,549.78. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0 x30 for 155 months revolving trade history per CBR. 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years living at primary residence. | |||||||||||||||
| VISIO202620698 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 788 exceeds minimum fico requirement of 700 CFCFS2860: Good credit history - Clayton Comments: Excellent payment history, no major derogs, excellent fico score | |||||||||||||||
| VISIO202620755 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x60 for 104 months on active tradelines. Guidelines allow 1x60x12. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 2.015 > 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $16,230.82 > required reserves 6 months * $2,678.90 ($16,073.40) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 mid score > min required of 680 | |||||||||||||||
| VISIO202620699 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Verified post close assets $43,675.06 (28.66 months PITI reserves) > required reserves of 6 months * $1,523.66 ($9,141.96) CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 46.85%; guidelines allow 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 mid score > min required of 680 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have65 months mortgage payment history 0x30. | |||||||||||||||
| VISIO202620700 | XXXXXX | DE | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 FICO > 680 product minimum CFCFS1736: Significant time at current residence - Clayton Comments: 23 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 191 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $14402.60 verified cash reserves > $7963.8 required CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 299 months of 0x30 mortgage history per CBR. 12 months required. | |||||||||||||||
| VISIO202620853 | XXXXXX | NH | (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: 728 mid score > min required of 680 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 165 months consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $25,018.41; required reserves 6 months * $2,387.20 ($14,323.20) | |||||||||||||||
| VISIO202620733 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Application shows borrower as a XXX. File did not contain proof of this. Missing from and back copy of ID. | 8.17.26 - Received a XXX, front and back copy. | 8.17.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 credit score. 680 minimum. CFCFS1736: Significant time at current residence - Clayton Comments: 5 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 61 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $190,413.21 or 80.81 months of reserves. $14,137.50 (6 months) minimum required. |
| VISIO202620625 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 3 years living at primary residence. CFCFS2860: Good credit history - Clayton Comments: 115 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post close assets $19,054.65; required reserves 6 months * $2,446.61 ($14,679.66) CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.505 LTV per review; 80% LTV is maximum allowed per guidelines. | |||||||||||||||
| VISIO202620678 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 710 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $286,397.59 > required reserves 6 months * $2,978.23 ($17,869.38) CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have36 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at current residence. | |||||||||||||||
| VISIO202620674 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $188,350.66; required reserves 6 months * $1,497.70 ($8,986.20) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid score > min required of 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have98 months mortgage payment history 0x30. CFCFS1736: Significant time at current residence - Clayton Comments: 45 years living at primary residence. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. | |||||||||||||||
| VISIO202620769 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid score > min required of 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 18 months of 0x30 mortgage credit history per CBR; 12 months required. | |||||||||||||||
| VISIO202620728 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $302,384.74 >required reserves 6 months * $4,988.33 ($29,929.98) CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have51 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at current residence. | |||||||||||||||
| VISIO202620710 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.198. minimum 1.0 required. CFCFS1736: Significant time at current residence - Clayton Comments: 3 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 228 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $26,336.36 post-closing reserves. 6 months $14,268.72 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 mid-score per CBR; 680 minimum required. | |||||||||||||||
| VISIO202620791 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $138,210.84 post closing reserves > $8,603.28 minimum required. CFCFS1736: Significant time at current residence - Clayton Comments: 14 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 > 680 required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x99, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620680 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 9 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 701. Requirement 680 per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post close reserves $54,143.41 or 13.08 months of reserves; 6 months required @ 4,139.66 PITIA = $24,837.96. CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit report. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV per review; 80% LTV maximum allowed per guidelines. | |||||||||||||||
| VISIO202620679 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid-score per CBR; 680 minimum required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.122. Minimum 1.0 CFCFS1736: Significant time at current residence - Clayton Comments: 6 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $16,440.45 post closing reserves. $11,287.62 minimum required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV per review; 80% maximum allowed per guidelines. | |||||||||||||||
| VISIO202620756 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x99, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $117,076.22 > Requirement 6 months @ $2,288.39 PITIA=$13,730.34. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 802 > requirement 680. | |||||||||||||||
| VISIO202620838 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.309 > 1 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 802 exceeds minimum required 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 67.71 months of PITI reserves exceed 6 months required CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence. | |||||||||||||||
| VISIO202620810 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $64,286.42 post closing reserves. $12,009.84 minimum required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x51, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 > 700 minimum required. | |||||||||||||||
| VISIO202620729 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.340 > 1 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 804 exceeds minimum required 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $354,543.92 (197.99 months reserves) > min required reserves of 6 months PITIA ($10,744.38) CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x60x199 months reviewed, guidelines allow 1x60x12 on non mortgage tradelines. | |||||||||||||||
| VISIO202620743 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $21,917.97 > required reserves 6 months * $2,555.30 ($15,331.80) CFCFS1736: Significant time at current residence - Clayton Comments: 6 years at current residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have73 months mortgage payment history 0x30. Guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620839 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $284104.77 verified cash reserves > $18,091.26 required CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x99, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 FICO > 680 Product minimum CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at current residence. | |||||||||||||||
| VISIO202620818 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $138,054.16; required reserves 6 months * $1,943.33 ($11,659.98) CFCFS1736: Significant time at current residence - Clayton Comments: 18 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 174 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 mid score > min required of 680 | |||||||||||||||
| VISIO202620788 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $20,141.27 > required reserves 6 months * $2,928.78 ($17,572.68) CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current residence. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have22 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 729 mid score > min required of 700 | |||||||||||||||
| VISIO202620749 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH148 | Credit report stale dated at closing | No | Credit report is dated XXX and closing date is XXX, which is 91 days. Per guidelines , credit report must be dated within 90 days of the closing date. Provide credit report dated within 90 days. | 8.25.2026 Undated credit report not in the system, please upload.8.26.2026 Updated credit report provided, dated XXX. | 8.25.2026 Exception remains open.8.26.2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63%; guidelines allow 75%. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at primary residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $177,887.03> $9,535.98 required. |
| VISIO202620662 | XXXXXX | IA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $15,958.09 (7.61 months PITI reserves) > min required reserves of 6 months PITI CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.67% LTV < 80% Cap CFCFS1736: Significant time at current residence - Clayton Comments: 5 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 mid-score per CBR; 680 minimum required. | |||||||||||||||
| VISIO202620819 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $622,457.77 reserves in file. $27,436.74 (6 months) minimum required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.093. Minimum 1.0 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 mid-score per CBR; 680 is minimum required per guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: 5 years living at primary residence. | |||||||||||||||
| VISIO202620746 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing citizenship status/residency documentation for B2 on the Note, as applicable. The status was not selected on 1003. | 8.19.26 - Received an updated 1003 for co-borrower showing XXX | 8.19.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 2.063 > 1 CFCFS1736: Significant time at current residence - Clayton Comments: 22 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 mid-score per CBR; 700 minimum required per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $131,223.23 or 65.39 months of reserves. $12,040.02 (6 months) minimum required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 206 months of 0x30 consumer credit history per CBR; 24 months required. |
| VISIO202620701 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.398 > 1 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x39, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 792 exceeds minimum required 700 for up to 80% LTV. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $66,877.54 (18.88 months PITIA reserves) > min required reserves of 6 months PITIA ($21,251.46) | |||||||||||||||
| VISIO202620842 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower verified reserves: $246391.69 > 6 months PITIA reserves required: $17162.22 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 73.61< 80% maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 719 FICO > 680 Product minimum | |||||||||||||||
| VISIO202620801 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 180 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 722 credit score. Minimum 680 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.41% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $115,123.46 or 92.15 months of reserves. $7,495.98 (6 months) minimum required. | |||||||||||||||
| VISIO202620702 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Verified reserves per proceeds $42,600.96 (17.75 months PITIA reserves) > required reserves 6 months * $2,399.46 ($14,396.76) CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have58 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid score > min required of 680 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. | |||||||||||||||
| VISIO202620703 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have48 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $199,814.32; required reserves 6 months * $1,745.39 ($10,472.34) | |||||||||||||||
| VISIO202620820 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 174 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 FICO > 680 minimum per product matrix CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: No mortgage lates shown on credit report, 12 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 18 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $102482.69 verified cash reserves > $9519.84 required reserves | |||||||||||||||
| VISIO202620821 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 18 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $98,156.74 post closing reserves > $8,473.50 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 > 680 minimum, CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x99, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620822 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 > 680 minimum. CFCFS1736: Significant time at current residence - Clayton Comments: 18 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $80,122 post closing reserves > $7,537.08 minimum required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% CLTV < Max 75% | |||||||||||||||
| VISIO202620713 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing a copy of front and back of XXX, or other applicable documentation to verify residency status. | 8.11.26 - Received copy of XXX, front and back. | 8.11.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying ltv 68.22% < Max allowed 80% ltv. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $68,542.35 or 10.74 months of reserves. 6 months of reserves required ($38,302.80) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 796 > required 680. CFCFS1736: Significant time at current residence - Clayton Comments: 17 years at current residence. |
| VISIO202620713 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX bank statement for XXX account used as qualifying asset, per underwriting approval. | 8.11.26 - Received a 7/27/26 XXX statement showing sufficient assets in file. | 8.11.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying ltv 68.22% < Max allowed 80% ltv. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $68,542.35 or 10.74 months of reserves. 6 months of reserves required ($38,302.80) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 796 > required 680. CFCFS1736: Significant time at current residence - Clayton Comments: 17 years at current residence. |
| VISIO202620770 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | C | B | A | A | C | B | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Property Valuations | Value | Satisfied | C | B | C | B | PRVAVALU5249 | Property Value Not Supported | No | Desk Review and Recon provided and within tolerance of sales price $XXX. | (No Data) | Desk Review and Recon provided and within tolerance of sales price $XXX | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $217,928.86 > requirement 6 months @ $5,966.18 PITIA=$35,797.08. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 762 > requirement 700. CFCFS2860: Good credit history - Clayton Comments: 0x60x132, guidelines allow 1x60x12. |
| VISIO202620789 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 791 exceeds minimum required 680 CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.212 > 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $420,685.20 > reserves required $3300.33*6=$19,801.98 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x14 months, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620717 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX statements for XXX account and XXX retirement account statement to verify assets used to qualify, per underwriting approval. | 8.11.26 - Received copy of 7/14/26 XXX account and XXX Retirement account assets supporting funds needed to close and reserves required. | 8.11.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $35,649.37 or 7.12 months of reserves. Required reserves 6 months x $5,009.40 = $30,056.40 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 768 > 700 required for up to 80% LTV. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x51, guidelines allow 1x30x12. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.240% >1 |
| VISIO202620704 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $120,230.48 / 24.13 months PITIA > min required of $29,896.08. CFCFS2860: Good credit history - Clayton Comments: 0x60 in 268 months reviewed, guidelines allow 1x60x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 mid score > min required of 700 | |||||||||||||||
| VISIO202620823 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 FICO > 680 product minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $81,497.87 or 66.42 months of reserves; 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 174 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 18 years at current residence. | |||||||||||||||
| VISIO202620730 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 712 exceeds minimum fico 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: reserves $102,872.96 > required reserves 6x6807.68=$40,846.08 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x34, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620953 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | D | B | D | A | C | B | D | A | D | B | D | A | C | B | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage for Borrower XXX. File contains wrong borrower | 9.29.2026 Client provided mortgage | 9.29.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have31 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 98 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 mid score > min required of 700 |
| VISIO202620953 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | D | B | D | A | C | B | D | A | D | B | D | A | C | B | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC195 | Missing Note | No | Missing note for Borrower XXX. File contains wrong borrower | 9.29.2026 Client provided missing note | 9.29.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have31 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 98 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 mid score > min required of 700 |
| VISIO202620953 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | D | B | D | A | C | B | D | A | D | B | D | A | C | B | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing HUD-1 (Final and Estimated) for Borrower XXX. File contains wrong borrower | 9.29.2026 Client provided HUD-1 | 9.29.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have31 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 98 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 mid score > min required of 700 |
| VISIO202620953 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | D | B | D | A | C | B | D | A | D | B | D | A | C | B | D | A | Property Valuations | Value | Satisfied | C | B | C | B | PRVAVALU5249 | Property Value Not Supported | No | Reconciliation provided. | 9.29.2026 Client provided Reconciliation | 9.29.2026 Exception satisfied | Not Applicable | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have31 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 98 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 mid score > min required of 700 |
| VISIO202620793 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years living at primary residence. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit report. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 802. Requirement 680. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 345 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $279,751.91. Requirement 6 months @ $2270.86=$13,625.16. | |||||||||||||||
| VISIO202620794 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 802 exceeds minimum fico of 700 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 mortgage lates on CBR; 12 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 111.69 months of reserves in file; 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 89 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current residence | |||||||||||||||
| VISIO202620633 | XXXXXX | ID | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post Close Assets are $53,178.28 or 23.55 months of reserves, 6 months of reserves required 6 x $2,257.86 = $13,547.16 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 59 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x60 months reviewed, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 773 exceeds minimum required 680 per guidelines. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.280 > 1 | |||||||||||||||
| VISIO202620705 | XXXXXX | WI | (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: 789 mid score > min required of 680 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have45 months mortgage payment history 0x30. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $141,141.61; required reserves 6 months * $1,742.24 ($10,453.44) CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%. | |||||||||||||||
| VISIO202620777 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $213,581.19 post closing reserves > $22,615.50 minimum required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x66, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 > 700 minimum required. | |||||||||||||||
| VISIO202620734 | XXXXXX | MS | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 3 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 259 months of 0x30 consumer credit history per CBR, 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets are $200,666.69 or 110.34 months of reserves; the required reserves 6 x $1,818.62 = $10,911.72 CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.210 > 1 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 770 exceeds minimum required 680 | |||||||||||||||
| VISIO202620738 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.444 > 1 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 700 for up to 80% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $198,393.04 > Required reserves 6 months PITIA: $3414.92 x 6 = $20,489.52 | |||||||||||||||
| VISIO202620763 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing evidence of cash out from XXX in the amount of $91,631.99 used for assets, per UW approval. | 8.19.26 - Received copy of CD from property XXX dated XXX showing $91,799.15 cash back to borrower. | 8.19.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.607 > 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 31.15 months of reserves in file; 6 months of reserves required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x99, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 800 exceeds minimum required 700 |
| VISIO202620764 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum Program credit score is 680 borrowers mid score is 800 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: All mortgages on credit have been on time and current since inception CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 269 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $91,799.15 or 70.11 months of reserves; 0 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 179 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620688 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 167 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.278 > 1 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 778 exceeds minimum required 680 per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x86 months reviewed, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $207,798.82 or 139.79 months of reserves. 6 months reserves required x $1,486.47 = $8,918.82 CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at current residence. | |||||||||||||||
| VISIO202620795 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 172 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 mid-score per CBR; 680 minimum required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $9,332.90 or 6.87 months of reserves. $8,149.38 (6 months) minimum required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.767. minimum 1.O | |||||||||||||||
| VISIO202620802 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 65% is below maximum allowed 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $11,021.77 > reserves required 6x1653.82=$9922.92 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 776 exceeds minimum required 680 CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.330 > 1 | |||||||||||||||
| VISIO202620732 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 14.4 months of reserves in file; 6 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. CFCFS2860: Good credit history - Clayton Comments: 256 months of 0x30 consumer credit history per CBFR; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 72.10% below max CLTV 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 795 exceeds minimum fico of 700 | |||||||||||||||
| VISIO202620778 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $178,992.47 post closing reserves > $8,412.60 minimum required CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.212 > 1.0 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 > 680 required. | |||||||||||||||
| VISIO202620779 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $192,669.79 reserves > required reserves 6*1575.56 = $9,453.36. CFCFS2860: Good credit history - Clayton Comments: 0x60x221 reviewed, guidelines allow 1x60x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 798 exceeds minimum fico 680 | |||||||||||||||
| VISIO202620752 | XXXXXX | CT | (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 $46,543.77 > requirement 6 months @ $2,084.28 PITIA=$12,505.68. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 768 > 680 minimum. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x61, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620803 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $39,945.57 reserves, required 6*3726.33 = $22,357.98 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 756 exceeds minimum fico of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 27.99% below max LTV 75% | |||||||||||||||
| VISIO202620689 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 FICO > 680 product minimum CFCFS1736: Significant time at current residence - Clayton Comments: 10 years living at primary residence. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.125 > 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: 6 months PITI reserves required. $1,489.20 x 6 = $8,935.20. Borrower receiving cash back $85,416.33 or 57.36 months of reserves. | |||||||||||||||
| VISIO202620816 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $19,539.69 > required reserves 6 months * $1,285.40 ($7,712.40) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 mid score > min required of 700 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have60 months mortgage payment history 0x30. Guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620722 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 740. Requirement 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x58, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $172,914.73. Requirement 6 months @ $2,756.93 PITIA=$16,541.58, CFCFS1736: Significant time at current residence - Clayton Comments: 12 years at current residence. | |||||||||||||||
| VISIO202620706 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit report. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 791. Requirement 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying ltv 46.97%. Max allowed 75%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $1,337,908.03. Requirement 6 months @ $11,281.04 PITIA=$67,686.24. | |||||||||||||||
| VISIO202620731 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing satisfactory fraud report for B2 (Guarantor) reflecting correct SSN, as stated on application. | 8.17.26 - Received complete Fraud Report for Guarantor. | 8.17.26 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 311 months of 0x30 mortgage history per CBR. 12 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 214 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves from transaction $122,636.73. Requirement 6 months @ $1,107.85 PITIA=$6,647.10. CFCFS1736: Significant time at current residence - Clayton Comments: B2 (Guarantor) has occupied primary residence for 11 years. |
| VISIO202620731 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH189 | Missing credit report | No | Missing satisfactory credit report for B2 (Guarantor) reflecting correct SSN, as stated on application. | 8.17.26 - Received a 7/10/26 complete credit report for borrower. | 8.17.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 311 months of 0x30 mortgage history per CBR. 12 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 214 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves from transaction $122,636.73. Requirement 6 months @ $1,107.85 PITIA=$6,647.10. CFCFS1736: Significant time at current residence - Clayton Comments: B2 (Guarantor) has occupied primary residence for 11 years. |
| VISIO202620771 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $327,415.95; required reserves 6 months * $3,290.96 ($19,745.76) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 714 mid score > min required of 680 | |||||||||||||||
| VISIO202620772 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Program allows minimum credit score of 680 borrowrs mid score is 751 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $31,399.16 or 6.41 months of reserves; 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has no late payments on any of the tradelines reporting on credit CFCFS1736: Significant time at current residence - Clayton Comments: 10 years living at primary residence. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower mortgages appearing on credit have been current since inception | |||||||||||||||
| VISIO202620884 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates within the last 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 782 exceeds the minimum fico of 700 | |||||||||||||||
| VISIO202620885 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 74 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $67,551.45; required reserves 6 months * $1,281.43 ($7,688.58) CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have39 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 680 | |||||||||||||||
| VISIO202620870 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $72,602.29 / 34.73 months PITIA > min required of $12,542.34. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 708 mid score > min required of 680 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 144 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620747 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x16 on current HELOC, guidelines allow 1x30x12. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 159 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post close reserves $21,240.44 or 8.77 months of reserves; 6 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 > 700 minimum required. | |||||||||||||||
| VISIO202620811 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $38,755.96 Post closing reserves. Minimum $12,413.70 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 mid-score per CBR; 700 minimum required per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 165 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.257. Minimum 1.0 required. CFCFS1736: Significant time at current residence - Clayton Comments: 3 years living at primary residence. | |||||||||||||||
| VISIO202620740 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $896,786.64 > Requirement 6 months PITIA @ $6,360.02=$38,160.12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 761 exceeds requirement of 680. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x99, guideline allow 1x30x12. | |||||||||||||||
| VISIO202620758 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 15 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $84,163.70 post closing reserves > $10,281.12 required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 784 > 700 required for up to 80% LTV. | |||||||||||||||
| VISIO202620907 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid-score per CBR; 680 minimum required per guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.229. Minimum 1.0 CFCFS1736: Significant time at current residence - Clayton Comments: 15 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $116,137.38 or 95.15 months of reserves; 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 350 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620824 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $290,416.92> required reserves 6 months * 2,728.24 = $16,369.44 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 44.77%; guidelines allow 75%. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 49 months. Guidelines allow 1x30x12. CFCFS1736: Significant time at current residence - Clayton Comments: 49 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 680 | |||||||||||||||
| VISIO202620741 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $894,327.78 > min required of $40,804.74. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at primary residence | |||||||||||||||
| VISIO202620961 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Lender UW approval in file is incorrect borrower/property. Missing correct UW Approval. | 9.21.2026- Received correct u/w approval | 9.21.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $330,774.56 post closing reserves exceed $31,302.60 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727>700 minimum required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x51, guidelines allow 1x30x12. |
| VISIO202620773 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 23 Years at current address CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 759 exceeds minimum fico of 700 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x99, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $82,825.47 > required reserves $6*4135.96 = $24,815.76 | |||||||||||||||
| VISIO202620874 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66.89%; guidelines allow 75%. CFCFS1736: Significant time at current residence - Clayton Comments: 40 years at primary residence | |||||||||||||||
| VISIO202620767 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x51, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post close assets are $175,283.08. 6 months reserves are required: $2,355.29 x 6 = $14,131.74 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 680 | |||||||||||||||
| VISIO202620774 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 6.43 months of reserves in file; 6 months required. CFCFS1739: Positive mortgage payment history - Clayton Comments: 148 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 778 exceeds minimum fico of 700 CFCFS2860: Good credit history - Clayton Comments: 184 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620796 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $208,957.83; required reserves 6 months * $1,682.68 (10,096.62) CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have24 months mortgage payment history 0x30. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 680 | |||||||||||||||
| VISIO202620765 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 > 680 required. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: 0x30x56, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $24,059.34 > required reserves 6*1891.42 = $11,348.52 | |||||||||||||||
| VISIO202620760 | XXXXXX | ID | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65% < guidelines 75%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x29, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $13,503.95 > required reserves 6 months PITIA: $1235.27 x 6 = $7411.62. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 mid score > min required of 680 | |||||||||||||||
| VISIO202620790 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $119,578.37 or 41.60 months of reserves. $17,248.92 or 6 months minimum required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.520. Minimum 1.0 required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 mid-score per CBR; 680 minimum required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 164 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620825 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x52, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post assets $23,524.09 > required reserves 6 months * $1,995.54 ($11,973.24) CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65% < guidelines 75%. | |||||||||||||||
| VISIO202620804 | XXXXXX | AR | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 712. Requirement 680. CFCFS2860: Good credit history - Clayton Comments: 0x60x241, guidelines allow 1x60x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close funds from transaction $52,112.54. Requirement 6 months $1,841.11 PITIA= $ 11,046.66. | |||||||||||||||
| VISIO202620854 | XXXXXX | WY | (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: CLTV 72.81% below Max CLTV 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets $408,703.97 = 136.85 months or reserves; 6 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 16 years at current residence CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 241 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico Score 766 exceeds minimum fico of 700 | |||||||||||||||
| VISIO202620707 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x53, guidelines allow 1x30x12. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 60 % is below maximum allowed 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 785 exceeds minimum required 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $209,985.63 or 147.67 months of PITI reserves > 6 months PITI reserves required. | |||||||||||||||
| VISIO202620780 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.41% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $165,844.55 post-closing reserves. $8,735.28 (6 months) minimum required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 154 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.168 Minimum 1.0 required. | |||||||||||||||
| VISIO202620784 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 113.20 months of reserves in file; 6 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at primary residence CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 154 months of 0x30 consumer credit per CBR; 24 months required. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 3% | |||||||||||||||
| VISIO202620869 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 2.627. Minimum 1.0 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $237,083.16 post closing reserves. $14,160.60 minimum required | |||||||||||||||
| VISIO202620845 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 25 years living at primary residence. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.876. 1.0 Minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $25,770.40 or 11.46 months of reserves; 6 months required. | |||||||||||||||
| VISIO202620846 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $355,688.80 or 75.66 months of reserves. 6 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 mid score > min required of 680 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 240 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51.67%; guidelines allow 75%. | |||||||||||||||
| VISIO202620744 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $56,958.83; required reserves 6 months * $1,756.99 ($10,541.94) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 700 for up to 80% LTV CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have69 months mortgage payment history 0x30. Guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620923 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | C | B | A | A | C | B | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Property Valuations | Value | Satisfied | C | B | C | B | PRVAVALU5249 | Property Value Not Supported | No | Desk Review and reconciliation value not within 10% of appraisal value. Reconciliation value of $XXX used for CLTV and lending value. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 mid score > min required of 700 CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1549 > 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $17,709.51; required reserves $10,067.94 |
| VISIO202620872 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Coverage reflects $441,000..unable to locate replacement cost estimator. | 9.11.2026 Evidence of insurance provide with coverage of $441,000 | 9.11.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 760. Requirement 680. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $147,116.08. Requirement 6 months @ PITIA $7,611.64=$45,669.84. |
| VISIO202620872 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 9.18.2026- Received final hud | 9.18.2026- Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 760. Requirement 680. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $147,116.08. Requirement 6 months @ PITIA $7,611.64=$45,669.84. |
| VISIO202620888 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $104243.26 verified cash reserves > $14246.04 required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 FICO > 680 Product minimum | |||||||||||||||
| VISIO202620908 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 168 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.79% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $64,637.86 or 17.79 months of reserves. Required reserves are 6 months PITIA: $3,634.28 x 6 = $21,805.68 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 mid score > min required of 680 | |||||||||||||||
| VISIO202620805 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 93 months of 0x30 mortgage history per CBR. 12 months required CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 7% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 691 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $74,917.75 / 43.42 months PITIA > min required of $10,230.96. | |||||||||||||||
| VISIO202620759 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing XXX for borrower. | 8.20.26 - Received copy of front and back of XXX. | 8.20.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 194.29 months of PITI reserves exceed 6 months of required reserves. CFCFS1736: Significant time at current residence - Clayton Comments: 3 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75% is below maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 777 exceeds minimum required 700 |
| VISIO202620806 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $386,212.64 > requirement 6 months @ $4940.33 PITIA=$29,641.98. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current residence. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x69, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 783 > 700 required. | |||||||||||||||
| VISIO202620826 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 812 exceeds minimum fico of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70% below max CTLV 75% allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets $128,906.97 or 102.18 months or reserves; 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 109 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620785 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x68, guidelines allow 1x30x12. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.301 > 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post Close reserves are $145,935.13 or 84.35 months of reserves; 6 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 11 years at current residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 153 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 782 exceeds minimum required 700 | |||||||||||||||
| VISIO202620875 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.227. Minimum 1.0 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $2,037,496.96 post closing reserves. $29,320.32 minimum required. | |||||||||||||||
| VISIO202620889 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 credit score. Minimum 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.285. Minimum 1.0 | |||||||||||||||
| VISIO202620876 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 mid score > min required of 680 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have59 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $152,920.73; required reserves 6 months * $2,480.96 ($14,885.76) CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. | |||||||||||||||
| VISIO202620781 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 191 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $78,581.43 or 49.63 months of reserves. 6 months required= $9,499.62. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 705 exceeds minimum required 680 CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.168 over 1 | |||||||||||||||
| VISIO202620775 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.207 > 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $15,157.39 post closing reserves > $7,930.68 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 > 680 minimum required. | |||||||||||||||
| VISIO202620915 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $$527,603.38 exceed required reserves 6 months * $4,997.14 ($29,982.84) CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have89 months mortgage payment history 0x30. Guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620847 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.202 > 1 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 785 exceeds minimum required 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $571,426.58 > reserves required 6*1580.70=$9,484.20 | |||||||||||||||
| VISIO202620827 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 60% below max CLTV 75% CFCFS1736: Significant time at current residence - Clayton Comments: 27 years at the current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 711 exceeds minimum fico of 700 | |||||||||||||||
| VISIO202620832 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 mid score > min required of 700 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have38 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at current residence. | |||||||||||||||
| VISIO202620797 | XXXXXX | SC | (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: 779 FICO mid-score > 680 FICO minimum per guidelines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $201,770 or $134.89 months of reserves. 6 months of $1,495.78 = $8,974.68 required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 274 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620855 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $78,476.66; required reserves 6 months * $2,367.81 ($14,206.86) CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 51.06%; guidelines allow 80%. | |||||||||||||||
| VISIO202620912 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 60% below max CLTV 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 784 exceeds minimum fico of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 18 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ssets $29.295.33 reserves, required reserves 6*1641.10 = $9846.60 | |||||||||||||||
| VISIO202620937 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $190,376.48 / 96.93 months PITIA > min required of $11,784.72. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 mid score > min required of 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x99, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620745 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 224 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $112,914.43 post-closing reserves. $8,416.44 (6 months) minimum required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x99, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 mid-score per CBR; 680 minimum required. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at current residence. | |||||||||||||||
| VISIO202620856 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have67 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $35,598.60; required reserves 6 months * $1,451.99 ($8,711.94) CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 mid score > min required of 680 | |||||||||||||||
| VISIO202620807 | XXXXXX | NH | (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: 18 years at primary residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $332,274.30 per cash back at closing. Required reserves are 6 months PITIA: $2554.63 x 6 = $15,327.78. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 820 mid score > min required of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60%; guidelines allow 70%. | |||||||||||||||
| VISIO202620894 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $26,901.08; required reserves 6 months * $3,304.88 ($19,829.28) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 mid score > min required of 680 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 93 months. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have48 months mortgage payment history 0x30. | |||||||||||||||
| VISIO202620857 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 5 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 740 exceeds minimum required 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75% is below maximum allowed 80% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 282 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $198,743.96 = 102.71 months of reserves; 6 months required. | |||||||||||||||
| VISIO202620858 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $196,878.82 > $11883.96 required by product CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 FICO > 680 product minimum CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 10.08% | |||||||||||||||
| VISIO202620877 | XXXXXX | AR | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $53,017.80 post closing reserves. Minimum $11,297.22 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.434. minimum 1.0 | |||||||||||||||
| VISIO202620878 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 729 exceeds minimum fico of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 75%. Below max CLTV 80% | |||||||||||||||
| VISIO202620890 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 9 years living at primary residence. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 90 months per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $222,508.08; required reserves 6 months * $4,690.34 ($28,142.04) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 680 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. | |||||||||||||||
| VISIO202620735 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $29,646.85 (15.01 months PITIA reserves) > min required reserves of 6 months PITIA ($11,852.94) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 725 > 700 required for up to 80% LTV. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x58, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620840 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 15 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 753 exceeds minimum fico 700 CFCFS2860: Good credit history - Clayton Comments: Excellent payment history and excellent fico score | |||||||||||||||
| VISIO202620879 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $116,251.38 verified cash reserves > $7937.46 required CFCFS1737: LTV below guideline requirements - Clayton Comments: 63.75% LTV < 75% LTV cap CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 FICO > 680 product minimum | |||||||||||||||
| VISIO202620736 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x67, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close reserves $76,018.05 > required 6 x 3760.69= $22,564.14 CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.436 > 1 | |||||||||||||||
| VISIO202620924 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 733 exceeds minimum fico of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 60% exceeds max CLTV 80% | |||||||||||||||
| VISIO202620766 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 20% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post close assets are $478,000.41 or $70.89 months of reserves. Required reserves are 6 months PITIA: $6,743.08 x 6 = $40,458.48. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 393 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 3 years living at primary residence. | |||||||||||||||
| VISIO202620737 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $187,562.17 post-closing reserves. $22,435.56 or 6 months minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 703 mid-score per CBR; 680 minimum required. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years living at primary residence. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.137. Minimum 1.0 | |||||||||||||||
| VISIO202620945 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.770 > 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $114,299.28; required reserves 6 months * ($19,586.04) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 700 | |||||||||||||||
| VISIO202620833 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 FICO > 680 product minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $162,504.11 or 117.89 months of reserves; 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 93 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at current residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 71 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines. | |||||||||||||||
| VISIO202620782 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 767 > Requirement 680. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 since 02/2021, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $137,874.18. Requirement 6 months @ $3,134.51 PITIA=$18,807.06. CFCFS1736: Significant time at current residence - Clayton Comments: 16 years at current residence. | |||||||||||||||
| VISIO202620783 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.22% < 75% maximum allowed. CFCFS1736: Significant time at current residence - Clayton Comments: 16 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $136,511.96 post closing reserves > $18,274.56 minimum required. | |||||||||||||||
| VISIO202620859 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $63,942.86; required reserves 6 months * $4,478.98 (26,873.88) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 820 mid score > min required of 680 CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. | |||||||||||||||
| VISIO202620934 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing asset documentation for XXX ending *XXX used to qualify. | 9.17.2026 No assets documents were uploaded.9.18.2026 Received XXX Report dated 8/31/26. | 9.17.2026 Exception remains open9.18.2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Reserves $40,469.66; required reserves 6 months * $3,996.37 ($23,978.23) CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 691 > 680 minimum required. |
| VISIO202620917 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $68,270.08; required reserves 6 months * $3,886.32 ($23,317.92) CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; guidelines allow 80%. | |||||||||||||||
| VISIO202620757 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 75% below max CLTV 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 764 exceeds minimum fico of 700 CFCFS2860: Good credit history - Clayton Comments: Excellent payment history. Excellent fico score | |||||||||||||||
| VISIO202620860 | XXXXXX | IN | (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: 782 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $27,703.22 or 13.68 months of reserves; 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 240 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 7 years at primary residence | |||||||||||||||
| VISIO202620812 | XXXXXX | CT | (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 56% is below maximum allowed 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $62,630.95 >required reserves 6*2283.00 = $13,698.00 CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.883 > 1 | |||||||||||||||
| VISIO202620928 | XXXXXX | AZ | (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: CLTV 58.71% below max CLTV 75% CFCFS1736: Significant time at current residence - Clayton Comments: 9 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 743 exceeds minimum fico of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $401,310.65 reserves exceed required reserves 6*3127.33=$18,763 | |||||||||||||||
| VISIO202620830 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico Score 780 exceeds minimum fico of 700 CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 132 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates within the last 24 months CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 54.05% below max CLTV 90% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 129.81 months of reserves in file; 6 months required. | |||||||||||||||
| VISIO202620866 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $167822.55 verified cash reserves > $$18220.32 required CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.77% LTV < 80% LTV Product Cap CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 FICO > 680 Product Minimum | |||||||||||||||
| VISIO202620985 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $176,708.89. Required reserves are 6 months PITIA: $2072.91 x 6 = $12,437.46 CFCFS1736: Significant time at current residence - Clayton Comments: 12 years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 mid score > min required of 700 | |||||||||||||||
| VISIO202620841 | XXXXXX | MO | (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: 45 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $75,212.56 or 37.70 months of reserves. 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 139 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776>700 minimum. | |||||||||||||||
| VISIO202620813 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 755 exceeds minimum fico of 700 CFCFS2860: Good credit history - Clayton Comments: 46 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 38.26 months of reserves in file; 6 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 75% below max CLTV 80% | |||||||||||||||
| VISIO202620986 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 749 exceeds minimum fico of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 12 years at current residence CFCFS2860: Good credit history - Clayton Comments: 0x30x43 on mortgages, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $52,442.05 reserves or 36.25 months PITIA exceed 6 months PITIA required. | |||||||||||||||
| VISIO202620808 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $30,451.89 > $14,721 required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 23 years at primary residence | |||||||||||||||
| VISIO202620987 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.42%; guidelines allow 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: 12 years at primary residence | |||||||||||||||
| VISIO202620901 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 73% below max CLTV 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico Score 760 exceeds minimum fico of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 18.59 months of reserves in file; 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 108 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620927 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets /reserves $286,930.26 exceed required reserves of 6*1,752.29=$10,513.74 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75% is below maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 776 exceeds minimum required 700 | |||||||||||||||
| VISIO202620900 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $299,906.25. Requirement 6 months @ 950.86 PITIA $5,705.16. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 776. Requirement 680. | |||||||||||||||
| VISIO202620861 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates within the last 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 801 exceeds minimum fico of 700 CFCFS2860: Good credit history - Clayton Comments: Excellent payment history and excellent fico score | |||||||||||||||
| VISIO202620966 | XXXXXX | DE | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | Missing evidence of recorded release for XXX ( reflected on title). | 9.21.2026- Received confirmation from title company regarding closure of line of credit | 9.21.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70% below max CLTV 75% CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $191,863.80 reserves or 139.03 months PITIA exceed 6 months PITIA required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO Score 790 exceeds minimum fico of 680 |
| VISIO202620966 | XXXXXX | DE | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing legible CDA, the one provided is blank or does not reflect a value. | 9.21.2026- Received CDA | 9.21.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70% below max CLTV 75% CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $191,863.80 reserves or 139.03 months PITIA exceed 6 months PITIA required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO Score 790 exceeds minimum fico of 680 |
| VISIO202620955 | XXXXXX | DE | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 > 680 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $130,898.86 post closing reserves exceed $8,634.84 minimum required. | |||||||||||||||
| VISIO202620897 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 794 > requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $194,528.04 exceed requirement 6 months @ $2,179.45 PITIA= $13,076.70. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 on all mortgages, current and past. Guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620814 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 38 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.117 over 1 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 724 exceeds minimum required 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 11.88months of PITI reserves exceed 6 months required | |||||||||||||||
| VISIO202620925 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have62 months mortgage payment history 0x30, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $38,555.04 exceed required reserves 6 months * $1,379.89 ($8,279.34) CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.60%; guidelines allow 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 mid score > min required of 700 | |||||||||||||||
| VISIO202620829 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have47 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets $35,242.97; required reserves 6 months * $2,529.74 ($15,178.44) | |||||||||||||||
| VISIO202620938 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 > 680 minimum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x80, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $208,965.46 post closing reserves. $11,640.66 minimum required. | |||||||||||||||
| VISIO202620862 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.773. Minimum 1.0 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 252 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 mid-score per CBR; 680 minimum required per guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.87% LTV is maximum allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $125,475.62 post closing reserves. $7,275.66 minimum required. CFCFS1736: Significant time at current residence - Clayton Comments: 4 years living at primary property. | |||||||||||||||
| VISIO202620920 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $95,827.97 exceed required reserves 6 months * $2,059.41 ($12,356.46) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 mid score > min required of 700 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have68 months mortgage payment history 0x30. Guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620815 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower verified reserves $1,310,559.99 > Required reserves 6 months x $7165.20= $42991.20 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 FICO > 700 product minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x52, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620988 | XXXXXX | TN | (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: 63.63 LTV/CLTV < Max 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725> 680 minimum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $95,789.94 post closing reserves exceed $4,890.54 minimum required. | |||||||||||||||
| VISIO202620828 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 680 CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have38 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $23,711.01 > required reserves 6 months * $2,324.82 ($13,948.92) | |||||||||||||||
| VISIO202620918 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $47,049.68 reserves > required 6*2545.63=$15,273.78 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 686 exceeds minimum fico of 680 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x48, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620980 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $176,635.87 post closing reserves. $13,533.30 minimum required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.142. Minimum 1.0 CFCFS1736: Significant time at current residence - Clayton Comments: 16 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: 52.91% LTV per review; 75% LTV is maximum allowed per guidelines. | |||||||||||||||
| VISIO202620817 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard Dwelling coverage in the file is $670,000... loan amount is $XXX, need evidence of dwelling coverage of $XXX | 9.02.2026 Lender provided evidence of insurable value/replacement cost breakdown per insurance company. | 9.02.2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 66.95 months of PITI reserves exceed 6 months required CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 69.53% is below maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 779 exceeds minimum required 700 |
| VISIO202620893 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.453. Minimum 1.0 required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $136,768.99 post closing reserves. $11,376.12 minimum required. | |||||||||||||||
| VISIO202620898 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 59.84% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 186 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $445,406.76 or 141.96 months of reserves post-closing reserves. $18,825.06 (6 months) minimum required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.508. Minimum 1.0 | |||||||||||||||
| VISIO202620848 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 96.46 months of PITI reserves exceed 6 months required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 776 exceeds minimum required 700 CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.541 over 1 | |||||||||||||||
| VISIO202620957 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 770. Requirement for Interest Only 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $39,995.88 exceed requirement 6 months @ $3,180.00 PITIA=$19,080. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 on all past mortgages, guidelines allow 1x30x12. No current open mortgages on credit. | |||||||||||||||
| VISIO202620935 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 18 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 > 700 minimum required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $68,006.57 post closing reserves exceed $17,881.62 minimum required. | |||||||||||||||
| VISIO202620936 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 748 exceeds minimum required 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $65144.11 exceed reserves required 6*3070.45=$18,422.70 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 65.49% is below maximum allowed 80% CFCFS1736: Significant time at current residence - Clayton Comments: 18 years at current residence. | |||||||||||||||
| VISIO202620896 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.017. Minimum 1.0 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $50,773.17 post closing reserves. $17,691.06 minimum required. | |||||||||||||||
| VISIO202620834 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 30 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 768 exceeds minimum required 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 39.71 months of PITI reserves exceed 6 months required | |||||||||||||||
| VISIO202620880 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | XXX effective XXX. Clayton to order PCI. | 09.15.2026 PDI Cleared | 09.15.2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $24,508.23 post closing reserves. $8,696.88 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 credit score. Minimum 700 |
| VISIO202620895 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $107,741.70 post closing reserves. $5,820.90 CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.442. Minimum 1.0 | |||||||||||||||
| VISIO202620849 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 217 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 165 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $41,239.69 post-closing reserves. $14,427.72 (6 months) minimum required CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.651. Minimum 1.0 | |||||||||||||||
| VISIO202620994 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $123,522.88 exceed required reserves 6 months * $2,600.98 ($15,605.88) CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have52 months mortgage payment history 0x30. Guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620992 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $104,803.28; required reserves 6 months * $2,770.81 ($16,624.86) CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have52 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 15 years at current residence. | |||||||||||||||
| VISIO202620962 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 6 months PITIA reserves required: $1585.72 x 6 = $9514.32. Borrower verified assets $23,894.27. CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.85% LTV < 80% product cap CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 FICO > 700 product minimum CFCFS1736: Significant time at current residence - Clayton Comments: 14 years at current residence. | |||||||||||||||
| VISIO202620909 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 730. Requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $150,666.48 or 107.44 months of reserves; 6 months required. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit. CFCFS2860: Good credit history - Clayton Comments: 428 months of 0x30 consumer credit history per CBR; 24 months required. | |||||||||||||||
| VISIO202620863 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates within the last 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 710 exceeds minimum fico of 700 | |||||||||||||||
| VISIO202620981 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have68 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $74,729.33 exceed required reserves 6 months * $1,611.25 ($9,667.50) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 700 | |||||||||||||||
| VISIO202620965 | XXXXXX | TN | (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: CLTV 55.80% below max CLTV 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $13,588.44 or 12.92 months PITI exceed required reserves of 6 months PITI. CFCFS1736: Significant time at current residence - Clayton Comments: 9 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 795 exceeds minimum fico 700 | |||||||||||||||
| VISIO202620850 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have48 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $27,455; required reserves 6 months * $1,423.02 ($8,538.12) | |||||||||||||||
| VISIO202620960 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 706 FICO > 680 Product minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $9538.85 verified cash reserves > 6 months PITI required: $7763.94 | |||||||||||||||
| VISIO202620867 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.33% LTV < 80% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 FICO > 680 product minimum | |||||||||||||||
| VISIO202620851 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 810. Requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $172,086.92. Requirement 6 months @ $2,916.86=$17,501.16. | |||||||||||||||
| VISIO202620864 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing a copy of front and back of XXX. | 9.21.2026- Received front and back copy of XXX | 9.21.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x45, guidelines allow 1x30x12. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.343 > 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $91,642.83 >reserves required 6*4468.78=$26.812.68 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70% is below maximum allowed 75% |
| VISIO202620910 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $223,268.43; required reserves 6 months * $2,080.14 ($12,480.84) CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 82 months per CBR; 24 months required. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 mid-score per CBR; 680 minimum required per guidelines. | |||||||||||||||
| VISIO202620942 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 > 680 minimum required. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.247 > 1.0 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $126,906.24 Post closing reserves > $9861.60 minimum required. | |||||||||||||||
| VISIO202620899 | XXXXXX | AR | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.317. Minimum 1.0 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $38,211.76 post closing reserves. $10,020.30 minimum required. | |||||||||||||||
| VISIO202620983 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $189,051.96 > required reserves 6 months * $1,824.79 ($10,948.74) CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 35 years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 mid score > min required of 700 | |||||||||||||||
| VISIO202620871 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.449. Minimum 1.0 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $64,052.91 post closing reserves. $8,943.24 minimum required. | |||||||||||||||
| VISIO202620939 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 808 exceeds minimum fico of 700 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x75x30, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $16,937.90 or 7.39 months PITI exceed required 6 months PITI reserves. | |||||||||||||||
| VISIO202620891 | XXXXXX | KS | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $13,077.42 post closing reserves. $11,117.64 minimum required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.314. Minimum 1.0 | |||||||||||||||
| VISIO202620881 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.225. Minimum 1.0 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $163,960 post closing reserves. $31,042.74 minimum required. | |||||||||||||||
| VISIO202620882 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 791. Requirement 680. | |||||||||||||||
| VISIO202620843 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - Clayton Comments: 296 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 98 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 25 years at current address CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 782 exceeds minimum fico requirement of 700 | |||||||||||||||
| VISIO202620865 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 488 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Credit score 796 exceeds minimum required 700 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 mid-score per CBR; 680 minimum required per guidelines. CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.088 over 1 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 74.26% is below maximum allowed 80% | |||||||||||||||
| VISIO202620886 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.004. Minimum 1.0 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $14,389.05 post closing reserves. $11,955.66 minimum required. | |||||||||||||||
| VISIO202620967 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $154,838.67 post closing reserves. $12,630.66 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 credit score. Minimum 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x53, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620931 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 772 exceeds minimum required 680 CFCFS1736: Significant time at current residence - Clayton Comments: 15 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 19.20 months of PITI reserves exceed 6 months required | |||||||||||||||
| VISIO202620949 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x99, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $119,242.66 and exceed required reserves of 6 months PITIA $2502.26 x 6 = $15,013.56 | |||||||||||||||
| VISIO202620883 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $124,361.19 / 71.70 months PITIA > min required of $10,407.00. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 mid score > min required of 680 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 26% | |||||||||||||||
| VISIO202620989 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $23,884.89; required reserves 6 months * $2,198.41 ($13,190.46) CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 mid score > min required of 700. | |||||||||||||||
| VISIO202620914 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 65% below max CLTV 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 773 exceeds minimum fico of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $25,745.46 > required reserves 6*1809.70=$10,858.20 CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at current address | |||||||||||||||
| VISIO202620919 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.448. Minimum 1.0 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $24,795.47 post closing reserves. $12,428.70 minimum required. | |||||||||||||||
| VISIO202620944 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 792 exceeds minimum fico of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $13,494.80 exceed reserves required 6*1398.35 = $8390.10 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x72, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620921 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Verified reserves $116,490.25 or 88.45 months of reserves; required reserves 6 months * $1,317.03 ($7,902.18) CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 45.47%; guidelines allow 80% CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 112 months of consumer credit history per CBR. 24 months required. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have59 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 mid score > min required of 680 | |||||||||||||||
| VISIO202620974 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $71,482.40 reserves or 43.51 months PITIA exceed 6 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 752 exceeds minimum fico of 680. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 65.08% below max CLTV 75% | |||||||||||||||
| VISIO202620932 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 780 exceeds minimum required 680 CFCFS1750: High potential for increased earnings - Clayton Comments: DSCR 1.166 > 1 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets are $218,020.13, required 6 months of reserves 6 x $4,363.99 = $26,183.94 | |||||||||||||||
| VISIO202620964 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Missing asset statements used to qualify and required for funds to close of $101,668.25 and 6 months reserves of $26,815.68. The 1003/URLA reflects assets from XXX however, this documentation was not included with the document package. | 9.17.2026 Asset statement provided showing availability of requied funds to close and meet reserve requirements, $147,541.64 | 9.17.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 10.34 months of reserves in file; 6 months required. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1% |
| VISIO202620964 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing asset statements used to qualify and required for funds to close of $101,668.25 and 6 months reserves of $26,815.68. The 1003/URLA reflects assets from XXX however, this documentation was not included with the document package. | 9.17.2026 Asset statement provided showing availability of requied funds to close and meet reserve requirements, $147,541.64 | 9.17.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 10.34 months of reserves in file; 6 months required. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1% |
| VISIO202620964 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2304 | Unverified Assets | No | Missing asset statements used to qualify and required for funds to close of $101,668.25 and 6 months reserves of $26,815.68. The 1003/URLA reflects assets from XXX however, this documentation was not included with the document package. | 9.17.2026 Asset statement provided showing availability of requied funds to close and meet reserve requirements, $147,541.64 | 9.17.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 10.34 months of reserves in file; 6 months required. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 1% |
| VISIO202620887 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $86,819.80; required reserves 6 months * $1,842.12 ($11,052.72) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 710 mid score > min required of 680 | |||||||||||||||
| VISIO202620968 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $134,101.29 post closing reserves exceed $9,135.60 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 > 680 minimum required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV/CLTV. Max 75% | |||||||||||||||
| VISIO202620868 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 6 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 716 mid score > min required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $110,757.88 = 38.05 months of reserves. 6 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 140 months of 0x30 mortgage history per CBR; 12 months required. | |||||||||||||||
| VISIO202620951 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 243,346.82 post closing reserves. $45,094.20 Minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 > 700 minimum required. | |||||||||||||||
| VISIO202620990 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 > 700 minimum required. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x25 on prior mortgage loan. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 77,217.34 or 17.06 months reserves exceed 6 months PITI reserves required. | |||||||||||||||
| VISIO202620952 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 794. Requirement 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $246,004.89. Requirement 6 months @ $9,648.68 PITIA=$57,892.08. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x46, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620922 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.427. Minimum 1.0 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $26,890.22 post closing reserves. $17,867.28 minimum required. | |||||||||||||||
| VISIO202620940 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 > 700 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $64,282.13 post closing reserves. $30,379.98 minimum required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x28, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620991 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have47 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 61%; guidelines allow 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $2,807,155.45 > required reserves 6 months * $1,983.94 ($11,903.64) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 mid score > min required of 700 | |||||||||||||||
| VISIO202620976 | XXXXXX | AR | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 mid score > min required of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 70%; guidelines allow 75%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $287807.37; required reserves 6 months * $3,844.66 ($23,067.96) | |||||||||||||||
| VISIO202620950 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 742 exceeds minimum fico of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $32,223.08 > required $1,642.86*6 = $9,857.16 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x97, quidelines allow 1x30x12. | |||||||||||||||
| VISIO202620977 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $53,512.64 > required reserves 6 months * $1,237.75 ($7,426.50) CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 52.80%; guidelines allow 75%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have63 months mortgage payment history 0x30. Guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620941 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at current address CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x62, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 726 exceeds minimum fico of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $89,987.52 reserves or 35.24 months PITI exceed 6 months PITI required. | |||||||||||||||
| VISIO202620929 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 191 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $266,451.11 post closing reserves. $15,100.56 minimum required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 56.5% LTV/CLTV Max 75% CFCFS1736: Significant time at current residence - Clayton Comments: 5 years living at primary residence. | |||||||||||||||
| VISIO202620892 | XXXXXX | CT | (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: 5 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 54% below max CLTV 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 82.44 months of reserves in file; 6 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 151 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 787 with a max fico of 700 | |||||||||||||||
| VISIO202620933 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 761 exceeds minimum fico of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $3,194,595.69 or 726.35 months or PITIA reserves; 0 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 19 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 75% below max CLTV 80% | |||||||||||||||
| VISIO202620926 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates within the last 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 779 exceeds minimum fico 700 | |||||||||||||||
| VISIO202620969 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $844,823.43 post closing reserves. $37,686.60 minimum required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x70, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 credit score. Minimum 720 | |||||||||||||||
| VISIO202620993 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $35,270.01 or 12.71 months PITIA exceed 6 months PITIA reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 785 exceeds minimum fico of 700 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x43, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620911 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 291 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 762 exceeds minimum fico of 700 CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates within the last 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets $45,775.79 reserves 22 months PITIA; 6 months required. | |||||||||||||||
| VISIO202620947 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x58, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 777. Requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $27,312.84. Requirement 6 months PITIA @ $966.41=$5,798.46. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current residence. | |||||||||||||||
| VISIO202620930 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x59, guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 6.82 months of PITIA reserves exceed 6 months required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 742 exceeds minimum required 700 | |||||||||||||||
| VISIO202620946 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have99 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $154,228.31 exceed required reserves 6 months * $2,612.18 ($15,673.08). CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 680 | |||||||||||||||
| VISIO202620982 | XXXXXX | KY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 11 years at primary residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $114,143.62 exceed required reserves $10,046.04 | |||||||||||||||
| VISIO202620948 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 44.52%; guidelines allow 75%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $70,169.52; required reserves 6 months * $1,865.27 ($11,191.62) | |||||||||||||||
| VISIO202620943 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 26 years at primary residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $103,193.35; required reserves 6 months * $1,826.61 ($10,959.66) | |||||||||||||||
| VISIO202620959 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $97,833.13 post closing reserves. $10,807.68 minimum required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.124. Minimum 1.0 required. | |||||||||||||||
| VISIO202620978 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: 5 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 348 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR 1.533. Minimum 1.0 CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $668,923.46 post closing reserves. $33,661.62 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 mid-score per CBR; 680 minimum required per guidelines. | |||||||||||||||
| VISIO202620963 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have61 months mortgage payment history 0x30. Guidelines allow 1x30x12. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $144,943.71 exceed required reserves 6 months * $1,197.62 ($7,185.72) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 680 CFCFS1736: Significant time at current residence - Clayton Comments: 16 years at current residence. | |||||||||||||||
| VISIO202620995 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $58,847.40 post closing reserves exceed $14,617.56 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755> 700 minimum. | |||||||||||||||
| VISIO202620958 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% < 75% maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $86,644.91 post closing reserves. $11,669.58 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 credit score. Minimum 680 | |||||||||||||||
| VISIO202620956 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $40,305.65 post closing reserves exceed $11,978.58 minimum required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 > 700 required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x52, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620954 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 FICO > 700 product minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves: $244,614.89 exceed required 6 months PITI ($20235.84) CFCFS1736: Significant time at current residence - Clayton Comments: 9 years at current residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x67, guidelines allow 1x30x12. | |||||||||||||||
| VISIO202620970 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing evidence of the $25 HOA expense associated with the subject property as stated on the underwriting approval in the file. | 9.22.2026- Received HOA statement | 9.22.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Reserves $267,374.14 or 31.56 months PITIA; 6 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 6 years living at primary residence. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x87, guidelines allow 1x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 796 exceeds minimum fico of 700 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 287 months of 0x30 consumer credit history per CBR, 24 months required. |
| Client Name: | |||||||||||||||||||
| Client Project Name: | VISIO | ||||||||||||||||||
| Start - End Dates: | 7/01/2026 - 9/28/2026 | ||||||||||||||||||
| Deal Loan Count: | 491 | ||||||||||||||||||
| Conditions Report 2.0 | |||||||||||||||||||
| Loans in Report: | 491 | ||||||||||||||||||
| Loans with Conditions: | 51 | ||||||||||||||||||
| 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 |
| VISIO202620515 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620520 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620509 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620585 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620569 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620559 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620586 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620614 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620521 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620617 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620519 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620664 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620522 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620800 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620516 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620639 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620719 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620723 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620587 | XXXXXX | XXXXXX | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Not Applicable |
| VISIO202620510 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620517 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620588 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620589 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620590 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620591 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620512 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620626 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620523 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620535 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620592 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620606 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620551 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620768 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620506 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620507 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620607 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| VISIO202620536 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620873 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620537 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620513 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620524 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620709 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620508 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620538 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620518 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620684 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620681 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620539 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620552 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620608 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620545 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620550 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620635 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620560 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620724 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620553 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620540 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620570 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620549 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620534 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620593 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620594 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620561 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620525 | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620916 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620571 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620505 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620577 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620541 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620665 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620526 | XXXXXX | XXXXXX | C | B | A | A | C | B | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Not Applicable |
| VISIO202620527 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620528 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620531 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620532 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620533 | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620542 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620647 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620685 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620529 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620648 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620649 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| VISIO202620511 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620666 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620595 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620572 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620627 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620628 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620578 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620543 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| VISIO202620753 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620546 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620580 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620581 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620798 | XXXXXX | XXXXXX | B | A | B | A | A | A | N/A | N/A | B | A | B | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620514 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| VISIO202620605 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620675 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620596 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620718 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620597 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620751 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620554 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620530 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620629 | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620630 | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620711 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620548 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620566 | XXXXXX | XXXXXX | C | B | A | A | C | B | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Not Applicable |
| VISIO202620567 | XXXXXX | XXXXXX | C | B | A | A | C | B | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Not Applicable |
| VISIO202620568 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620544 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620667 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620609 | XXXXXX | XXXXXX | D | A | D | A | C | A | N/A | N/A | D | B | D | A | C | B | N/A | N/A | Not Applicable |
| VISIO202620555 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| VISIO202620690 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620576 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620547 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620650 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620651 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620652 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620573 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620579 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620562 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620604 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620556 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620636 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620618 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620668 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620852 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620557 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620748 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620563 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620691 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620574 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620558 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620598 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620599 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620619 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620610 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620564 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620686 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620611 | XXXXXX | XXXXXX | C | A | A | A | C | A | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Not Applicable |
| VISIO202620975 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620669 | XXXXXX | XXXXXX | C | A | A | A | C | A | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Not Applicable |
| VISIO202620637 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Not Applicable |
| VISIO202620600 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620750 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620646 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620692 | XXXXXX | XXXXXX | C | B | A | A | C | B | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Not Applicable |
| VISIO202620612 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620787 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620631 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620620 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620902 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620613 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620693 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620725 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620621 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620670 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620653 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620575 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620565 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620582 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620632 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620715 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620786 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620761 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620835 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620836 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| VISIO202620583 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620638 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620837 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620584 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620971 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620972 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620973 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620640 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620641 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620754 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620642 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620654 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620676 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620694 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620601 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| VISIO202620622 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620655 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620602 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620687 | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620720 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620656 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620643 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620712 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620792 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620657 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620634 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620984 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620658 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620776 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620831 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620623 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620659 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620603 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620695 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620615 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620979 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620683 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Not Applicable |
| VISIO202620616 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620696 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620903 | XXXXXX | XXXXXX | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Not Applicable |
| VISIO202620671 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620739 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620644 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620726 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620660 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620762 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620904 | XXXXXX | XXXXXX | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Not Applicable |
| VISIO202620905 | XXXXXX | XXXXXX | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Not Applicable |
| VISIO202620913 | XXXXXX | XXXXXX | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Not Applicable |
| VISIO202620663 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620624 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620727 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620716 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620677 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620672 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620708 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620714 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620906 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620645 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620809 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620721 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620742 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620661 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| VISIO202620682 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620844 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620697 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620799 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620673 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620698 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620755 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620699 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620700 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620853 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620733 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620625 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620678 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620674 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620769 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620728 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620710 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620791 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620680 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620679 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620756 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620838 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620810 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620729 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620743 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620839 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620818 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620788 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620749 | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620662 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620819 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620746 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620701 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620842 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620801 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620702 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620703 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620820 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620821 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620822 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620713 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620770 | XXXXXX | XXXXXX | C | B | A | A | C | B | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Not Applicable |
| VISIO202620789 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620717 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620704 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620823 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620730 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620953 | XXXXXX | XXXXXX | D | B | D | A | C | B | D | A | D | B | D | A | C | B | D | A | Not Applicable |
| VISIO202620793 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620794 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620633 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620705 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620777 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620734 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620738 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620763 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620764 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620688 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620795 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620802 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620732 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620778 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620779 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620752 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620803 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620689 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620816 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620722 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620706 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620731 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620771 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620772 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620884 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620885 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620870 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620747 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620811 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620740 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620758 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620907 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620824 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620741 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620961 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620773 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620874 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620767 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620774 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620796 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620765 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620760 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620790 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620825 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620804 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620854 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620707 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620780 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620784 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620869 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620845 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620846 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620744 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620923 | XXXXXX | XXXXXX | C | B | A | A | C | B | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Not Applicable |
| VISIO202620872 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| VISIO202620888 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620908 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620805 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620759 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620806 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620826 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620785 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620875 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620889 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620876 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620781 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620775 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620915 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620847 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620827 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620832 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620797 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620855 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620912 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620937 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620745 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620856 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620807 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620894 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620857 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620858 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620877 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620878 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620890 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620735 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620840 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620879 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620736 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620924 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620766 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620737 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620945 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620833 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620782 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620783 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620859 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620934 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620917 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620757 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620860 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620812 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620928 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620830 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620866 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620985 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620841 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620813 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620986 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620808 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620987 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620901 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620927 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620900 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620861 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620966 | XXXXXX | XXXXXX | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | No |
| VISIO202620955 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620897 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620814 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620925 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620829 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620938 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620862 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620920 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620815 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620988 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620828 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620918 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620980 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620817 | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Yes |
| VISIO202620893 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620898 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620848 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| VISIO202620957 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620935 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620936 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620896 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620834 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620880 | XXXXXX | XXXXXX | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Not Applicable |
| VISIO202620895 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620849 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620994 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620992 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620962 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620909 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620863 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620981 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620965 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620850 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620960 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620867 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620851 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620864 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Yes |
| VISIO202620910 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620942 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620899 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620983 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620871 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| VISIO202620939 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620891 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620881 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620882 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620843 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620865 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620886 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620967 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620931 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620949 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620883 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| VISIO202620989 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620914 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620919 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620944 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620921 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620974 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620932 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620964 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620887 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620968 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620868 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620951 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620990 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620952 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620922 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620940 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620991 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620976 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620950 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620977 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620941 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620929 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620892 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620933 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620926 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620969 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620993 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620911 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620947 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620930 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620946 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| VISIO202620982 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620948 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620943 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620959 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| VISIO202620978 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620963 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620995 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620958 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620956 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620954 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| VISIO202620970 | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |