Exhibit 99.18
| Loan Number | Seller Loan Number | Seller Name | 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 | ConditionSub 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 |
| 305062092 | XXXXXX | (No Data) | XXXXXX | SC | (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 | Property | Active | B | B | B | B | PRVAPROP2674 | Property Issues Indicated 2 | No | Guidelines require condotels have a separate bedroom (sec 1.9.10.14). Per appraisal the front door opens to the bedroom which leads to the kitchen. Bathrooms have louvered vinyl doors. XXXXXX deems non-material/non-fatal to lending decision due to compensating factors: Credit score 788/660 minimum, LTV 74.35%/75% max, and cash reserves 24.93 months/0 required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.35% LTV is below the 75% max for Condotel. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 24.93 months of reserves are above the required 0. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 FICO score is above the 660 min. |
| 305062058 | XXXXXX | (No Data) | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No Finding | No Finding | No Finding | A | A | No Finding | No Finding | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 mid-score per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 24 months of 0x30 rental history per VOR. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 26 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 70.11 months of reserves in file. | ||||||||
| 305061960 | XXXXXX | (No Data) | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | Credit score of 618 is below minimum allowed at 620. Lender approved exception in file allowing 75% LTV with credit score of 618. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have18 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $47,725.77, 29.55 months; 3 months required. CFCFS5269: Minimal use of credit - Clayton Comments: Credit usage at 55%. |
| 305061960 | XXXXXX | (No Data) | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | C | B | C | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV of 75% exceeds the max allowed of 55% with a credit score of 620.Approved exception in the file to allow LTV of 75% with credit score of 618. XXXXXX deems non-material/noon-fatal to lending decision due to compensating factors: 29.55 months cash reserves/3 required, 18 months mortgage history/12 required and 55% credit usage. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have18 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $47,725.77, 29.55 months; 3 months required. CFCFS5269: Minimal use of credit - Clayton Comments: Credit usage at 55%. |
| 305061929 | XXXXXX | (No Data) | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No Finding | No Finding | No Finding | A | A | No Finding | No Finding | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 3.97 months of reserves are above the required 3. CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.364% LTV is below the 70% max. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 681 FICO score is above the 660 min. | ||||||||
| 305061854 | XXXXXX | (No Data) | XXXXXX | TN | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Application correction required for XXXXXX from US Citizen to Permanent resident per card in file. | 3-11-26 Client uploaded application. | 3-13-26 Clayton reviewed updated application. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 782 exceeds the minimum of 660 CFCFS1736: Significant time at current residence - Clayton Comments: 10 yrs owing current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 60% is below the maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash Reserves $33630.31, PITIA $2321.39, 14.49 months reserves, 0 months required CFCFS5269: Minimal use of credit - Clayton Comments: 2% revolving credit utilized |
| 305061854 | XXXXXX | (No Data) | XXXXXX | TN | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Income/Employment | Active | B | B | B | B | CRDINC150 | Income docs do not meet guidelines | No | Leaseback to builder as subject property is the model home which will continue per contract. Exception approved to allow a leaseback for a DSCR loan however must use the 1007 rent. XXXXXX deems non-material/non-fatal to lending decision as market rents used to determine DSCR and compensating factors: 15.35 Months cash reserves/0 required, 60% LTV/85% max, Credit score 782/620 minimum, 10 years ownership of primary and minimal credit use of 2%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 782 exceeds the minimum of 660 CFCFS1736: Significant time at current residence - Clayton Comments: 10 yrs owing current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 60% is below the maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash Reserves $33630.31, PITIA $2321.39, 14.49 months reserves, 0 months required CFCFS5269: Minimal use of credit - Clayton Comments: 2% revolving credit utilized |
| 305061854 | XXXXXX | (No Data) | XXXXXX | TN | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing sufficient dwelling coverage. Insurance is an HO6 policy however subject is a Detached PUD. Subject property is a leaseback. | 3-26-26 Client replied: Please see the upl doc4-29-26 Client replied: please see the upl docs increased ins see page 7 of policy. | 5.6.26 INS in place at time of closing as subject property being leaseback. Updated INS provided. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 782 exceeds the minimum of 660 CFCFS1736: Significant time at current residence - Clayton Comments: 10 yrs owing current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 60% is below the maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash Reserves $33630.31, PITIA $2321.39, 14.49 months reserves, 0 months required CFCFS5269: Minimal use of credit - Clayton Comments: 2% revolving credit utilized |
| 305061854 | XXXXXX | (No Data) | XXXXXX | TN | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing signed Guaranty for the Mortgage. | 3-11-26 Client uploaded guaranty.3-17-26 Client uploaded guaranty | 3-13-26 Clayton reviewed 133 pages updated and guaranty starting on page 10 which contains pages 1-5 and the two notary pages. Missing page 6 with signatures. Exception remains. 3-17-26 Clayton reviewed signed guaranty. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 782 exceeds the minimum of 660 CFCFS1736: Significant time at current residence - Clayton Comments: 10 yrs owing current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 60% is below the maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash Reserves $33630.31, PITIA $2321.39, 14.49 months reserves, 0 months required CFCFS5269: Minimal use of credit - Clayton Comments: 2% revolving credit utilized |
| 305169865 | XXXXXX | CROSSCOUNTRY MORTGAGE INC | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | A | A | No Finding | No Finding | No Finding | A | A | No Finding | No Finding | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 credit score exceeds 660 program minimum. CFCFS3824: Borrower contributed an additional down payment - Clayton Comments: Down payments have been made since 8/2024 which allowed for a $169,690 credit at closing. This results in a 59.99% LTV. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers are 0x30 out of 73 months. | ||||||||
| 305189746 | XXXXXX | CROSSCOUNTRY MORTGAGE INC | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No Finding | No Finding | No Finding | A | A | No Finding | No Finding | CFCFS1737: LTV below guideline requirements - Clayton Comments: 32.75% LTV with a max 70% allowed. CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.06% DTI with a max 50% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 score exceeds the 680 minimum required. | ||||||||
| 305207050 | XXXXXX | CROSSCOUNTRY MORTGAGE INC | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No Finding | No Finding | No Finding | A | A | No Finding | No Finding | CFCFS1744: DTI below guideline requirement - Clayton Comments: 17.94% DTI with a max 50% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 score exceeds the 720 minimum score for 75% LTV. CFCFS1737: LTV below guideline requirements - Clayton Comments: 23.62% LTV with a max 70% allowed. |