Exhibit 99.2 - Schedule 2
| 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 DBRS, KBRA, S&P Overall Loan Grade | Final DBRS, KBRA, S&P Overall Loan Grade | Initial DBRS, KBRA, S&P Credit Loan Grade | Final DBRS, KBRA, S&P Credit Loan Grade | Initial DBRS, KBRA, S&P Property Valuations Loan Grade | Final DBRS, KBRA, S&P Property Valuations Loan Grade | Initial DBRS, KBRA, S&P Compliance Loan Grade | Final DBRS, KBRA, S&P Compliance Loan Grade | Condition Category | Condition Sub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial DBRS, KBRA, S&P Condition Grade | Final DBRS, KBRA, 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 |
| 2198920 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Homeowners Counseling Disclosure is dated 6/5/2026 and application date is 6/1/2026; not within 3 days of application. | 07.09.2026 - HCO provided | 07.09.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 13.18 months of PITIA reserves exceeds 0 months required CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 57.51% is below maximum allowed 70 % CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 719 exceeds minimum required 700 for up to 70% CLTV and up to $350K loan amount. CFCFS1736: Significant time at current residence - Clayton Comments: 6 years living at primary residence. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.65% is below maximum allowed 50% |
| 2198920 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 6/1/2026, the initial LE was not issued until 6/5/2026. Greater than the required 3 days. | 07.09.2026 - Initial LE provided | 07.09.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 13.18 months of PITIA reserves exceeds 0 months required CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 57.51% is below maximum allowed 70 % CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 719 exceeds minimum required 700 for up to 70% CLTV and up to $350K loan amount. CFCFS1736: Significant time at current residence - Clayton Comments: 6 years living at primary residence. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.65% is below maximum allowed 50% |
| 2199077 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 4.9 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 qualifying credit score per CBR; 720 FICO is minimum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 306 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.43% LTV/CLTV per review; 70% LTV/CLTV is maximum allowed per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 78 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 13.57 months of reserves in file; 3 months required per guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 23.9 years employed with XXX company. | ||||||||||||||
| 2199008 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 6.77% CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 41.86% is below guideline maximum 50%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have58 months mortgage payment history 0x30. | ||||||||||||||
| 2198973 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico of 737 exceeds the minimum fico requirement of 700 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 years on current job CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70.46% less than the max CLTV of 85% | ||||||||||||||
| 2199007 | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 13 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: 15 years at current address CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO of 685 exceeds the minimum fico requirement of 680 based on CLTV CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 38.06% with a max DTI of 50% | ||||||||||||||
| 2198948 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 46.88% DTI < 50% product cap CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6+ years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% CLTV < 85% product cap for 720 credit score CFCFS2860: Good credit history - Clayton Comments: 720 FICO > 660 minimum fico requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $11452.26 verified cash reserves exceed guideline requirement of $0 | ||||||||||||||
| 2199059 | XXXXXX | IL | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying cltv 57.89%. Requirement 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI 38.38%. Requirement max allowed 50%. CFCFS1739: Positive mortgage payment history - Clayton Comments: 30 months reviewed no lates. | ||||||||||||||
| 2199095 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.45% CLTV < 90% CLTV maximum allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $7148 in reserves verified, $0 required. CFCFS1736: Significant time at current residence - Clayton Comments: 6+ Years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8+ Years at current job CFCFS1739: Positive mortgage payment history - Clayton Comments: 71+ months of positive payment history with no 0x30/60/90 lates, 24 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.85% DTI < 50% maximum per product guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 FICO > 740 minimum FICO for product | ||||||||||||||
| 2198933 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 700. Minimum score is 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 40.01% below max of 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 18.08 months of reserves in file; 0 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is at 75% below max guidelines of 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12 years at current job | ||||||||||||||
| 2198969 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 63.92% LTV/CLTV per review; 85% LTV/CLTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 729 mid-score per CBR > min required of 660 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 4.6 years employed with XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 16.64 months of reserves in file; 0 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 11 years living at primary residence. | ||||||||||||||
| 2198987 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | N/A | N/A | A | A | Credit | Debt | Satisfied | C | B | C | B | XXXX | Missing required Pre-Close Credit Report dated within 10 days of note | No | Missing pre-close credit report dated within 10 days prior to Note date of XXX | 6.29.2026- Received pre-close credit report | 6.29.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 25.50 months of reserves in file. 0 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.88% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 119 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 5 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 702. Requirement 700. |
| 2199078 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | XXXX | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 recission form as the form designated for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a "substantially similar notice". Clayton's view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the "substantially similar notice" argument. The majority of U. S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 10 years in the Financial industry. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Subject FICO is 746 which exceeds minimum FICO of 740 required per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 205 months of 0x30 consumer credit history per CBR CFCFS1734: Borrower has significant time at current job - Clayton Comments: Almost 10 years at current job. (9.7) CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 33% below the max guidelines of 90% |
| 2199127 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | As a standalone 2nd mortgage where no prior lien was paid off. Therefore Form H8 should have been used rather than H9. | 6.29.2026 Lender provided correct form the ROR, H8. | 6.29.2026- Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.75 back-end DTI per review. Max 50% per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $40,689.51 post closing reserves. $0 required. CFCFS1736: Significant time at current residence - Clayton Comments: 7 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. CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.73% CLTV. Max 90% allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 qualifying credit score; 740 minimum required for 90% LTV. |
| 2199046 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. | 06.25.2026 - LOX, correct verstions of NORTCs to borrowers and proof of delivery received. | 06.25.2026 - Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico of 726 exceeds minimum required fico of 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: No lates on mortgage within the last 5 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS: $39,628.93. No reserve requirement for CLTV less than 80% |
| 2198977 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 76.42%; guidelines allow 90%. CFCFS2854: Significant time in profession - Clayton Comments: 20 years in profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $0.00 reserves required; cash back at closing $40,745.38 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 700 for up to 80% CLTV CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.23% is below max of 50% | ||||||||||||||
| 2199088 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV of 71% is below 85% maximum for given credit score. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 20.20 months of reserves in file; 0 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 737 exceeds minimum required of 680 for up to 75% CLTV and up to $250K loan amount. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16 years with current employer. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 175 months of 0x30 consumer credit history per CBR; 24 months required. | ||||||||||||||
| 2135072 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated 11/13/2025 and 11/25/2025 reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. | 12/08/2025 Client provided PCCD 11/25, matching Final Alta/Settlement Statement and a collaborate comment: this is a 2nd with escrow waiver and no escrows. Condition remains. It is proper to disclose the Taxes, Assessments and Insurance amounts in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Provide PCCD with correction and LOE to Borrower for changes. 12/22/2025 Client provided PCCD 12/18 with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35.81% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7.08 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job #1 of 12.75 years and from job #2 14 years |
| 2135072 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated 11/13/2025 and 11/25/2025- Loan Disclosures- Escrow Account - You will not have an escrow account is indicated, but, estimated property cost over 1 year reflect $0.00 | 12/08/2025 Client provided PCCD 11/25, matching Final Alta/Settlement Statement and a collaborate comment: this is a 2nd with escrow waiver and no escrows. Condition remains. It is proper to disclose the Taxes, Assessments and Insurance amounts in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Provide PCCD with correction and LOE to Borrower for changes. 12/22/2025 Client provided PCCD 12/18 with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35.81% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7.08 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job #1 of 12.75 years and from job #2 14 years |
| 2135072 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | N/A | N/A | C | B | Credit | Terms/Guidelines | Satisfied | C | A | C | A | XXXX | Loan documents do not meet guideline requirements | No | Provide the "Supplemental Consumer Information Form". | 12/5 Client provided the SCIF form | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35.81% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7.08 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job #1 of 12.75 years and from job #2 14 years |
| 2135075 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Insurance | Satisfied | C | A | C | A | XXXX | Insurance Expiration date is prior than the transaction date | No | Per the evidence of insurance the policy period is 11/29/25 - 11/29/26. The note date is XXX. | 12/5 Client provided evidence of insurance effective 12/12/25-11/29/26 | Satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 34% DTI is 9% below the maximum 45% DTI requriement. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 29 month mortgage payment history exceeds the 12 month minimum guideline requirment by 17 months. |
| 2135099 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 65.05% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 40.20% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 15.25 years | ||||||||||||||
| 2135100 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 83.12% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 82 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 32.47% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 17.5 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 23.5 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 22.5 years | ||||||||||||||
| 2171960 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed for 16 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59.99% max per guidelines is 90%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 16 years. | ||||||||||||||
| 2135115 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 60.99% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 45.86% below guideline requirement of 50% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 22 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 6 years | ||||||||||||||
| 2135174 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 24% DTI is 21% below the maximum guideline requirement of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 credit score exceeds the 700 minimum guideline requirement by 24 points. | ||||||||||||||
| 2171890 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | N/A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Missing Mortgage | No | Missing Executed Mortgage | 02/19/2026 Client provided the missing, fully executed and recorded Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 47 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 65.18% below guideline requirements of 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 21.59% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 66 months exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 25 years. |
| 2171890 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | N/A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD.**Update 02/19/2026: CD 01/30 is the only CD in the file. Provide the missing Initial CD 1/27 as reflected on the Disclosure tracking and was provided to the Borrowers on 1/27. | 02/25/2026 Client provided missing Initial CD 1/27 e-signed 1/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 47 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 65.18% below guideline requirements of 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 21.59% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 66 months exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 25 years. |
| 2171890 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | N/A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 02/02/2026.**Update 02/19/2026: CD 01/30 is the only CD in the file. Provide the missing Initial CD 1/27 as reflected on the Disclosure tracking and was provided to the Borrowers on 1/27. | 02/25/2026 Client provided missing Initial CD 1/27 e-signed 1/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 47 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 65.18% below guideline requirements of 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 21.59% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 66 months exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 25 years. |
| 2171890 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | N/A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | XXXX | Missing Required Income Documentation | No | Missing the pension statment for the borrower and the pension statement and the SSA statement for the co-borrower. | 2/25 Client provided 1099s for pensions and SS | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 47 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 65.18% below guideline requirements of 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 21.59% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 66 months exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 25 years. |
| 2171890 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | N/A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide the 1st mortgage statement. | 2/25 Client provided the 1st mortgage statement | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 47 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 65.18% below guideline requirements of 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 21.59% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 66 months exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 25 years. |
| 2171890 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | N/A | D | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | XXXX | Missing Appraisal | No | Provide the valuation method. | 2/25 Client provided the appraisal | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 47 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 65.18% below guideline requirements of 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 21.59% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 66 months exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 25 years. |
| 2171890 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | D | A | D | A | D | A | D | N/A | D | A | Property Valuations | FEMA | Satisfied | B | A | B | A | XXXX | Natural Disaster Area, no subsequent inspection (Public) | No | No FEMA disaster. Missing appraisal/ valuation. | 2/25 Client provided the Appraisal | SAtisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 47 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 65.18% below guideline requirements of 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 21.59% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 66 months exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 25 years. |
| 2171962 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. | 02/23/2026 Client provided a Collaborate Comment: This is invalid. Please provide further clarification on this issue. Condition remains. No same Lender Debt being paid with new loan proceeds. Re-open rescission on an H8 form, expiration dated allowing for delivery, LOE to Borrower and evidence of delivery via tracking.03/11/2026 Client provided ROR H8 form reflecting an expiration date of XXX however the document was not signed until XXX. Condition remains. Provide re-opened Right to Cancel form H8 reflecting an expiration date a minimum of 3 days after delivery to provide a full 3 days rescission, LOE to Borrower and evidence of date delivered via tracking. 03/13/2026 Client provided a collaborate comment: The expiration states XXX OR three business days after the borrower signs the Notice of Right to Cancel, whichever is later. Per review by Internal Compliance Counsel: Regulation X requires that the date the rescission period expires should be clearly and conspicuously disclosed on the notice. The generic "later of" language is not supported by case law. If the client has information to the contrary we would take it into consideration for re-review or Provide re-opened Right to Cancel form H8 reflecting an expiration date a minimum of 3 days after delivery to provide a full 3 days rescission, LOE to Borrower and evidence of date delivered via tracking.03/23/2026 Client provided re-opened H8 form with expiration date of XXX, Activity export print out reflecting sent XXX and LOE to Borrower. Condition remains. Provide evidence of the Borrowers receipt on XXX for confirmation of the 3 day period. 03/31/2026 Client provided re-opened H8 e-signed by title holder on XXX, consent in file dated 1/11 with expiration date midnight of 3/30. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 55.13% below guideline requirements of 80% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 10 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 26.43% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months |
| 2171963 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Cannot determine the QM status with account missing the Note to determine the P&I of the 2nd mortgage. | 3.3.2026 Client provided executed copy of subject Note | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x47 exceeds mortgage history guidelines. |
| 2171963 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Missing Note | No | Missing Executed Note | 3.3.2026 Client provided executed copy of subject Note | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x47 exceeds mortgage history guidelines. |
| 2171963 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Right of Rescission | Satisfied | B | B | B | B | XXXX | ROR - Expiration date on form prior to end of rescission period | No | ***XXX Review of ROR H9 provided. Borrower signed on XXX, expiration date should have been XXX Rescission to be re-opened for both Title holders on the correct H8 form, expiration dated 3 days from date of delivery and LOE to Borrower. | 03/23/2026 Client provided re-opened H8 form for Both with expiration date of XXX, Activity export print out reflecting sent XXX and LOE to Borrower. Condition remains. Provide evidence of receipt by both on XXX for confirmation of the 3 day period. 03/31/2026 Client provided the re-opened H8 ROR e-signed by both on XXX with Certificate of completion reflecting consent dated XXX with expiration date of midnight XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x47 exceeds mortgage history guidelines. |
| 2171963 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | **XXX Review of ROR H9 provided. No money from subject loan paying off any loan with the same originator. Re-open Rescission for both Title holders on the correct H8 form, expiration dated 3 days from date of delivery and LOE to Borrower. | 03/23/2026 Client provided re-opened H8 form for Both with expiration date of XXX, Activity export print out reflecting sent XXX and LOE to Borrower. Condition remains. Provide evidence of receipt by both on XX for confirmation of the 3 day period. 03/31/2026 Client provided the re-opened H8 ROR e-signed by both on XXX with Certificate of completion reflecting consent dated XXX with expiration date of midnight XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x47 exceeds mortgage history guidelines. |
| 2171963 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ***XXX Review of ROR H9 provided. Borrower signed on XXX expiration date should have been XXX making Disbursement date XXX. Rescission to be re-opened for both Title holders on the correct H8 form, expiration dated 3 days from date of delivery and LOE to Borrower. | 03/23/2026 Client provided re-opened H8 form for Both with expiration date of XXX, Activity export print out reflecting sent XXX and LOE to Borrower. Condition remains. Provide evidence of receipt by both on XXX for confirmation of the 3 day period. 03/31/2026 Client provided the re-opened H8 ROR e-signed by both on XXX with Certificate of completion reflecting consent dated XXX with expiration date of midnight XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x47 exceeds mortgage history guidelines. |
| 2171963 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Right of Rescission | Satisfied | D | A | D | A | XXXX | ROR - Missing or Incomplete Right of Rescission form | No | Missing Right of Rescission form | 03/06/2026 Client provided missing ROR H9 form. | Condition Satisfied. See exception XXXX. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x47 exceeds mortgage history guidelines. |
| 2171964 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | A | C | A | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is signed by the borrowers on XXX with an expiration date of XXX6. Per Final CD dated 03/11/2026, Disbursement date is XXX Disbursement date is before end of statutory rescission period | 04/03/2026 Client provided Funding CD 4/2 with matching Final Alta reflecting updated fees and Disbursement date. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 25.79% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 12 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 48.24% below guideline requirements of 90% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 5.83 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 16.17 years |
| 2171964 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | All CD's- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 04/03/2026 Client provided PCCD 4/2 with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 25.79% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 12 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 48.24% below guideline requirements of 90% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 5.83 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 16.17 years |
| 2171964 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | All CD's reflect $0 for Estimated Taxes, Insurance & Assessments in the Projected Payments section. For junior liens, disclosure of the first lien Taxes, Insurance & Assessments is required. | 04/03/2026 Client provided PCCD 4/2 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 25.79% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 12 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 48.24% below guideline requirements of 90% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 5.83 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 16.17 years |
| 2171964 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | All CD's- Loan Disclosures- Escrow Account- Estimated Property Costs Over Year 1 reflect $0. | 04/03/2026 Client provided PCCD 4/2 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 25.79% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 12 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 48.24% below guideline requirements of 90% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 5.83 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 16.17 years |
| 2171965 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 6 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 6.33 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 74.23% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 65 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 4.92 years | ||||||||||||||
| 2172117 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Missing all Loan Estimates and corresponding COC's. | 04/03/2026 Client provided the missing Initial LE 2/05 reflecting rate expiration date of 3/9 supporting the lock extension fee added on CD 3/2 for loan closing 3/25. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 8 years at current residence |
| 2172117 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Missing all Loan Estimates and corresponding COC's. | 04/03/2026 Client provided the missing Initial LE 2/05. Retesting results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 8 years at current residence |
| 2172117 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | XXXX | TRID - Loan Estimate Missing | No | Missing all Loan Estimates and corresponding COC's. | 04/03/2026 Client provided the missing Initial LE 2/05. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 8 years at current residence |
| 2172117 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | XXXX | Missing lender's loan approval/underwriting form | No | The file is missing a 1008 as required by the guidelines | 4.2.2026 Client provided Lender 1008 within guidelines | Condition satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 8 years at current residence |
| 2171966 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | N/A | N/A | C | A | Compliance | Right of Rescission | Satisfied | C | A | C | A | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is signed by the borrowers on XXX with an expiration date of XXX Per Final CD dated 03/05/2026, Disbursement date is XXX Disbursement date is before end of statutory rescission period | 04/03/2026 Client provided the Funding CD 3/19 with the matching Final Alta reflecting updated fees and Disbursement date. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 13.5 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV AT 65.23% below guideline requirements OF 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 67 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 21.13% below guideline requirement of 45% |
| 2171966 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | N/A | N/A | C | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing proof that HELOC has been paid and closed to future draws | No | Provide an estoppel letter closing the HELOC to future draws. | 4.2.2026 Client provided executed by borrowers requesting closure of HELOC w/XXXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 13.5 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV AT 65.23% below guideline requirements OF 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 67 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 21.13% below guideline requirement of 45% |
| 2171967 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 82.69% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 66 months exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 40.93% below guideline requirement of 45% | ||||||||||||||
| 2172025 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 52 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 62.77% below guideline requirements of 85% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 32 years | ||||||||||||||
| 2172027 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD's dated 03/03/2026 and 03/11/2026- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 03/26/26 Client provided corrected PCD 3/25/26 with LOE to the borrower. Disclosure was tested with no issue. Condition satisfied | 03/26/26 Condition satisfied | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 22% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57% |
| 2172027 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated 03/03/2026 and 03/11/2026 reflect $0 for Estimated Taxes, Insurance & Assessments in the Projected Payments section. For junior liens, disclosure of the first lien Taxes, Insurance & Assessments is required. | 03/26/26 Client provided corrected PCD 3/25/26 with LOE to the borrower. Disclosure was tested with no issue. Condition satisfied | 03/26/26 Condition satisfied | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 22% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57% |
| 2172027 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated 03/03/2026 and 03/11/2026- Loan Disclosures- Escrow Account- Estimated Property Costs Over Year 1 reflects $0. | 03/26/26 Client provided corrected PCD 3/25/26 with LOE to the borrower. Disclosure was tested with no issue. Condition satisfied | 03/26/26 Condition satisfied | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 22% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57% |
| 2172028 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 6.7 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 26.04% below guideline requirement of 45% CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 8.33 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 37.52% below guideline requirements of 80% | ||||||||||||||
| 2172029 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Missing Mortgage | No | Missing executed Mortgage | 04/01/2026 Client provided he missing, fully executed Deed of Trust. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 26.75 years CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8.25 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35.35% below guideline requirement of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 5.75 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 65.71% below guideline requirements of 80% |
| 2172030 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | XXXX | Verbal verification of employment missing | No | Missing verbal verification of employment for XXX | 4.2.2026 Client provided VVOE dated 2.24.2026 and Note date XXXVVOE not within 10 business days of Note. Condition remains CES guidelines: wager earner within 10 business days and XXX within 30 days, however post VVOE is acceptable 4.16.2026 Client provided VVOE dated 4.15.2026 (post dated) | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.48 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 FICO exceeds guideline of 680. |
| 2172030 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Missing mortgage statement for the current first mortgage with XXX Bank. | 4.2.2026 Client provided copy of subject 1st lien mortgage statement w/XXX Bank | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.48 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 FICO exceeds guideline of 680. |
| 2172031 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 29 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 47.92% below guideline requirements of 85% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 18 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months | ||||||||||||||
| 2172032 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 70% | ||||||||||||||
| 2172033 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 59 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 79.12% below guideline requirements of 90% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 6.5 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 5.6 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 31.72% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years | ||||||||||||||
| 2172034 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | Right of Rescission | Satisfied | C | A | C | A | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is signed by the borrowers on XXX with an expiration date of XXX. Per Final CD dated 03/05/2026, Disbursement date is XXX. Disbursement date is before end of statutory rescission period | 04/16/2026 Client provided the Final ALTA/Settlement Statement reflecting disbursement date of XXX with PCCD/Funding XXX, refund, copy of refund check and LOE. cure only required by Lender. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 19.26% below guideline requirement of 45% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 6.5 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 7.5 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history ofr 51 months exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 6.08 years |
| 2172035 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 6.25 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 27.99% below guideline requirement of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 8 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 56 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 4.7 years | ||||||||||||||
| 2171765 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Additional Product Feature value in the CD Loan Information section and the Negative Amortization disclosure in the CD Loan Disclosures section are not consistent | No | CD dated 03/26/2026 Loan Disclosures - Negative Amortization - A selection was not indicated on the closing disclosure. | 04/10/2026 Client provided correct PCCD 4/9. Condition remains for LOE to Borrower for change.04/13/2026 Client provided Email for LOE to Borrower. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have minimal use of credit CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 37% |
| 2171765 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: Closing Disclosure contains conflicting loan attributes | No | CD dated 03/26/2026 Loan Disclosures - Negative Amortization - A selection was not indicated on the closing disclosure. | 04/10/2026 Client provided correct PCCD 4/9. Condition remains for LOE to Borrower for change.04/13/2026 Client provided Email for LOE to Borrower. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have minimal use of credit CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 37% |
| 2172036 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 37% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | ||||||||||||||
| 2172037 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 credit score exceeds the 680 minimum guideline requirement by 102 points CFCFS1744: DTI below guideline requirement - Clayton Comments: 23% DTI is 22% below the maximum guideline requirement of 45%. | ||||||||||||||
| 2172255 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $13,500.00 due to points added on the LE dated 03/02/2026. Missing a valid change of circumstance or post close CD, LOX and copy of refund check to borrower. | 04/14/2026 Client provided COC 3/2 reflecting Float to lock with changed Discount points increased to $13.500.00. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 8 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 8 years. |
| 2172038 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 16 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 18 years. | ||||||||||||||
| 2172039 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 20.67 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 38.88% below guideline requirement of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 57.66% below guideline requirements of 75% CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 8 years | ||||||||||||||
| 2171827 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 40 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 42 months exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 19.63% below guideline requirements of 90% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 20 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 9.83 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 39.37% below guideline requirement of 45% | ||||||||||||||
| 2172040 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide the 1st mtg REO mortgage statement | 4/14/2026 client provided 1st lien mortgage statement. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 8.5 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 74 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 12.53% below guideline requirement of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 62.84% below guideline requirements of 90% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7.33 years |
| 2172041 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 credit score exceeds the 760 minimum guideline requirement by 42 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: 29% DTI is 16% below the maximum guideline requirement of 45%. | ||||||||||||||
| 2172042 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Missing copy of 1st Mortgage Statement. | 4.22.2026 Client provided credit supplement report with 1st lien info/history however still missing 1st mortgage statement. Condition remains 4/27/2026 Client provided credit supplement, copy of the Note, and 1st payment letter from 2022. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 23 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 824 > is above guideline minimum credit score 760. |
| 2172043 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | All CD's- Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 03/11/2026 Client provided PCCD 3/10 with correction. Condition remains for LOE to Borrower for change. 03/12/2026 Client provided LOE to Borrower for change. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8.92 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 83 months exceeds guidelines of 12 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 15 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.12% below guideline requirement of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 54.44% below guideline requirements of 80% |
| 2172043 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | N/A | N/A | C | B | Credit | Income/Employment | Satisfied | D | A | D | A | XXXX | Income Documentation Missing | No | Missing tax transcripts for 2024 and 2023. | 3/18 Client provided transcripts supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8.92 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 83 months exceeds guidelines of 12 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 15 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.12% below guideline requirement of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 54.44% below guideline requirements of 80% |
| 2172044 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 38.73% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history 51 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 60.02% below guideline requirements of 80% CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 19 years CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years | ||||||||||||||
| 2172045 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Required Closing Disclosure not provided to borrower | No | OH CSPA; Missing OH Right Not To Close Disclosure | 04/02/2026 Client provided the missing OH CSPA Right not to close e-signed 3/16. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8.75 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 28.97% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 68 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 49.73% below guideline requirements of 90% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 11.75 years |
| 2172045 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | N/A | N/A | B | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide the REO mortgage statement | 4.2.2026 Client provided REO/Primary-subject 1st lien mortgage statement supporting PITI of $1,338.98 or PI of $820.07 | condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8.75 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 28.97% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 68 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 49.73% below guideline requirements of 90% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 11.75 years |
| 2172046 | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.85 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 FICO exceeds guideline of 700. | ||||||||||||||
| 2172047 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 23.14% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 6 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 6 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 76.48% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 74 months exceeds guidelines of 12 months | ||||||||||||||
| 2172048 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 780 > is above guideline minimum credit score 760. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 6 years. | ||||||||||||||
| 2172049 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | Right of Rescission | Satisfied | C | A | C | A | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is signed by the borrowers on XXX with an expiration date of XXX. Per Final CD dated 03/10/2026, Disbursement date is XXX. Disbursement date is before end of statutory rescission period | 04/03/2026 Client provided the Funding CD 03/27 with the matching Final ALTA reflecting updated fees and Disbursement date. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 717 > is above guideline minimum credit score 700. |
| 2171766 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 74.35% below guideline requirements of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 37.47% below guideline requirement of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 18 years CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 9 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 41 months exceeds guidelines of 12 months | ||||||||||||||
| 2172050 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | XXXX | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | Final CD dated 03/31/2026 reflects a total payment in the amount of $421,226.80. Review calculation is $421,530.53 for a difference of $303.75.Corrected on the PCCD dated 04/07/2026. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 59.17% below guideline requirements of 85% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 35 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 7 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 70 months exceeds guidelines of 12 months |
| 2172050 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | All CD's- Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 04/13/2026 Client provided PCCD 4/10 with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 59.17% below guideline requirements of 85% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 35 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 7 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 70 months exceeds guidelines of 12 months |
| 2172051 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | All CD's- Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 04/09/2026 Client provided PCCD 4/08 with LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 800 > is above guideline minimum credit score 760. |
| 2172052 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 6.08 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.10% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 11.17 years | ||||||||||||||
| 2172053 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 39.13% below guideline requirement of 45% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 29 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 43.97% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 68 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8.33 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 18 years | ||||||||||||||
| 2172054 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide the lender's QM determination | 4/08/2026 client provided lender's QM determination. | Condition satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 35 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 70 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 40.84% below guideline requirement of 45% |
| 2172054 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing Rider | No | Home is a second home per the 1008 and Occupancy Affidavit. Missing Second Home Rider to the Mortgage. | 4.7.2026 Client provided executed Occupancy Affidavit however initial condition is for missing 2nd home Rider. Condition remains4/14 Client provided intent to recorded DOT with rider | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 35 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 70 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 40.84% below guideline requirement of 45% |
| 2172055 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | PCCD dated 04/10/2026- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected. | Client provided PCCD reflecting Lender does not offer Escrows. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 60.73% below guideline requirements of 80% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.19% below guideline requirement of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 32.83 years |
| 2172057 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 70.54% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 39.95% below guideline requirement of 45% | ||||||||||||||
| 2172058 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 40.02% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 13.25 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 84.88% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months | ||||||||||||||
| 2172059 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | A | C | A | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is signed by the borrowers on XXX with an expiration date of XXX. Per PCCD dated 04/15/2026, Disbursement date is XXX. Disbursement date is before end of statutory rescission period | 4/24/2026 Client provided PCCD 4/23 with Final Settlement Statement reflecting Disbursement XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 23.74% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 72 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV at 43.53% below guideline requirements of 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years |
| 2172059 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | XXXX | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | Final CD dated 04/01/2026 reflects a total of payments in the amount of $329,602.63. Review calculation is $329,752.63 for a difference of $150.00. | (No Data) | Corrected on the PCCD dated 04/15/2026. Exception satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 23.74% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 72 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV at 43.53% below guideline requirements of 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years |
| 2172059 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Error #10 discovered on Loan Estimate | No | Missing Revised LE dated 03/12/2026 per COC on page 139 | 04/24/2026 Client provided missing last LE 3/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 23.74% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 72 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV at 43.53% below guideline requirements of 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years |
| 2172059 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | All CD's- Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 04/24/2026 Client PCCD 4/23 with correction. Condition remains for LOE to Borrower for change. 04/27/2026 Client provided the LOE for change. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 23.74% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 72 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV at 43.53% below guideline requirements of 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years |
| 2172059 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | All CD's reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. | 04/24/2026 Client PCCD 4/23 with correction. Condition remains for LOE to Borrower for change. 04/27/2026 Client provided the LOE for change. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 23.74% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 72 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV at 43.53% below guideline requirements of 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years |
| 2172059 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | All CD's- Loan Disclosure - Escrow Account; estimated property costs over 1 year reflects $0.00. | 04/24/2026 Client PCCD 4/23 with correction. Condition remains for LOE to Borrower for change. l04/27/2026 Client provided the LOE for change. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 23.74% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 72 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV at 43.53% below guideline requirements of 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10 years |
| 2172060 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 35 years CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 27.17 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 65 months exceeds guidelines of 12 months | ||||||||||||||
| 2172061 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10.8 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 9 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 6.5 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35.35% below guideline requirement of 45% | ||||||||||||||
| 2172062 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | XXXX | Loan documents do not meet guideline requirements | No | Provide the Supplemental Consumer Information Forms. | 4.22.2026 Client provided the supplemental Consumer Information forms for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 52 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 23.02% below guideline requirement of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 77.61% below guideline requirements of 90% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 19 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 18.75 years CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 6.5 years |
| 2172063 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Required Closing Disclosure not provided to borrower | No | OH CSPA; Required Closing Disclosure not provided to borrower | 4/17/26 Client provided Closing Disclosure. Condition satisfied | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 25.48% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 66.41% below guideline requirements of 90% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 17.25 years |
| 2172064 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | All CD's- Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 04/27/2026 Client provided PCCD 4/22 with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 5 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 5 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 78.26% below guideline requirements of 90% CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 25.25 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months |
| 2172064 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | All CD's reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. | 04/27/2026 Client provided PCCD 4/22 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 5 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 5 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 78.26% below guideline requirements of 90% CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 25.25 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months |
| 2172064 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | All CD's- Loan Disclosure - Escrow Account; estimated property costs over 1 year reflects $0.00. | 04/27/2026 Client provided PCCD 4/22 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 5 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 5 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 78.26% below guideline requirements of 90% CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 25.25 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months |
| 2172065 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD dated 03/20/2026- Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 04/01/2026 Client provided PCCD 3/30 with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 54% |
| 2172065 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD dated 03/20/2026 reflects $0.00 for estimated taxes and insurance and assessments in the projected payments section. For junior lies, disclosure of the first lien taxes, insurance and assessments is required. | 04/01/2026 Client provided PCCD 3/30 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 54% |
| 2172065 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD dated 03/2/02026 Loan Disclosures - Escrow Account- Estimated property costs over 1 year reflects$0.00. | 04/01/2026 Client provided PCCD 3/30 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 54% |
| 2172066 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 20 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 84.75% below guideline requirements of 90% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 11.5 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months | ||||||||||||||
| 2172067 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 786 > is above guideline minimum credit score 760. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 7 years. | ||||||||||||||
| 2172068 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.73% below guideline requirement of 45% CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 10 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 64.59% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 90 months exceeds guidelines of 12 months | ||||||||||||||
| 2171767 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 40.05% below guideline requirement of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 16.3 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 66.13% below guideline requirements of 90% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 18 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 62 months exceeds guidelines of 12 months | ||||||||||||||
| 2172069 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 26% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 24 years at current residence | ||||||||||||||
| 2172070 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 80 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 60.80% below guideline requirements of 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 38.38% below guideline requirement of 45% | ||||||||||||||
| 2172071 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | XXXX | Loan documents do not meet guideline requirements | No | Provide the Supplemental Consumer Information Forms. | 4.6.2026 Client provided the supplemental consumer information forms for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11.5 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 7.17 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 69.30% below guideline requirements of 75%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 16 years. |
| 2172072 | XXXXXX | MN | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | Borrower's Interest | Satisfied | B | A | B | A | XXXX | File does not contain a tangible net benefit worksheet | No | File does not contain a tangible net benefit worksheet. | 04/24/2026 Client provided missing tangible net benefit worksheet | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 778 > is above guideline minimum credit score 760. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 6 years. |
| 2172073 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD dated 03/20/2026 Loan Disclosure - Escrow Account; will not have an escrow account because you declined it or your lender does not offer one. A selection was not indicated. | 04/09/2026 Client provided PCCD 4/7 with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 20.17 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 76.38% below guideline requirements of 85% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 17.08 years |
| 2172073 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD dated 03/20/2026 reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. | 04/09/2026 Client provided PCCD 4/7 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 20.17 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 76.38% below guideline requirements of 85% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 17.08 years |
| 2172073 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD dated 03/20/2026 Loan Disclosure Escrow Account - Estimated property costs over 1 year reflects $0.00. | 04/09/2026 Client provided PCCD 4/7 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 20.17 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 76.38% below guideline requirements of 85% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 17.08 years |
| 2172074 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 03/20/2026. The initial LE was not issued until 03/26/2026. Greater than the required 3 days. | 04/22/2026 Client provided the missing Initial LE 3/20. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7.08 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 30.49% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 77 months exceeds guidelines of 12 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 9 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 72.02% below guideline requirements of 85% |
| 2172075 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 812 > is above guideline minimum credit score 760. | ||||||||||||||
| 2172076 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | File is missing the lender's QM determination. | 4.22.2026 Client provided XXX Quick Connect w/QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 20.19% below guideline requirement of 45% CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 15.25 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 74.71% below guideline requirements of 80% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 6.25 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months |
| 2172077 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD's dated 04/06/2026 and 04/07/2026 Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 04/23/2026 Client provided Updated 4/7 CD signed at closing on 4/10 reflecting correction. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 784 > is above guideline minimum credit score 760. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 26 years. |
| 2172077 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | N/A | N/A | C | B | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide an ATR/QM status determination. | 4.23.2026 Client provided Lender ATR worksheet with QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 784 > is above guideline minimum credit score 760. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 26 years. |
| 2172077 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | N/A | N/A | C | B | Credit | Terms/Guidelines | Satisfied | D | A | D | A | XXXX | Missing lender's loan approval/underwriting form | No | Missing lender's loan approval/1008 form for required documents. | 4.23.2026 Client provided lender 1008 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 784 > is above guideline minimum credit score 760. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 26 years. |
| 2172078 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD dated 04/09/2026 Loan Disclosure, Escrow Account; will not have an escrow account because you declined it or your lender does not offer one. A choice was not indicated. Corrected on the PCCD dated 04/17/2026. Exception satisfied | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.01 DTI below guideline of 45. |
| 2172078 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | XXXX | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD dated 04/09/2026 reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. Corrected on the PCCD dated 04/17/2026. Exception satisfied | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.01 DTI below guideline of 45. |
| 2172078 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | XXXX | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD dated 04/09/2026 Loan Disclosure, Escrow Account - Estimated property cost over 1 year reflects $0.00Corrected on the PCCD dated 04/17/2026. Exception satisfied | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.01 DTI below guideline of 45. |
| 2172079 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide the 1st mtg REO statement | 4/24/2026 client provided 1st lien statement. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 33 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 37.06% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months |
| 2172136 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 23.8 years CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 30.75% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 35.21% below guideline requirements of 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 24.99% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 77 months exceeds guidelines of 12 months | ||||||||||||||
| 2196138 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | D | A | C | B | D | B | D | A | D | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | All CD's Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 5/7/26 Client provided corrected PCD 5/6/26 with LOE to borrower. Disclosure was tested with no issues. Condition satisfied | 5/7/26 Condition satisfied | Non-Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x59 exceeds mortgage history guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 7 years. |
| 2196138 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | D | A | C | B | D | B | D | A | D | N/A | C | B | Credit | Application | Satisfied | D | A | D | A | XXXX | Application is incomplete | No | Co Borrower Section 8 is incomplete and was left blank. Initital 1003 is missing for both borrowers. | 5.8.2026 Client provided updated initial 1003 with Section 8 being completed | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x59 exceeds mortgage history guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 7 years. |
| 2196138 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | D | A | C | B | D | B | D | A | D | N/A | C | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | XXXX | Missing updated valuation | No | Missing Property Data Inspection for guidelines requirement. | 5.8.2026 Client provided duplicate (in file) AVM however still missing PCI (Property Condition Inspection) Report. Condition remains for PCI 5.18.2026 Client provided Clear AVM + Property Condition Inspection with value and with exterior property condition, value slightly higher. | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x59 exceeds mortgage history guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 7 years. |
| 2171768 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | All CD's- Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 04/23/2026 Client provided PCCD 4/22 with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 22.08 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 39.61% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 74.71% below guideline requirements of 80% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 22.33 years CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 21.33 years |
| 2172137 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 39.44% below guideline requirement of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 73.94% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 50 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 5.8 years | ||||||||||||||
| 2172138 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.68% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 5.08 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 7.7 years | ||||||||||||||
| 2172139 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | XXXX | Loan documents do not meet guideline requirements | No | File is mssing Supplemental Consumer Information disclosure | 4/27/2026 client provided SCIF. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 13 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 787 > is above guideline minimum credit score 760. |
| 2172140 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.12 DTI below guideline of 45. | ||||||||||||||
| 2172141 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 8 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 59.92% below guideline requirements of 85% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10.7 years | ||||||||||||||
| 2172142 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | All CD's- Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 04/24/2026 Client provided PCCD 4/22 with correction and LOE to Borrower. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 12 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 57.83% below guideline requirements of 80% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 56 months exceeds guidelines of 12 months |
| 2172143 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 20.10% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 58.30% below guideline requirements of 90% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 6.33 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 10 years | ||||||||||||||
| 2172144 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 786 > is above guideline minimum credit score 760. | ||||||||||||||
| 2194588 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 15.8 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 50.12% below guideline requirements of 80% | ||||||||||||||
| 2196139 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | C | B | D | B | D | A | C | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | All CD's- Loan Disclosure - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 06/18/2026 Client provided PCCD 6/15with corrections and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.69 DTI below guideline of 45. |
| 2196139 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | C | B | D | B | D | A | C | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | All CD's reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior lies, disclosure of the first lien taxes, insurance and assessments is required. | 06/18/2026 Client provided PCCD 6/15with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.69 DTI below guideline of 45. |
| 2196139 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | C | B | D | B | D | A | C | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | All CD"s- Loan Disclosures - Escrow Account; estimated property cost over 1 year reflect $0.00. | 06/18/2026 Client provided PCCD 6/15with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.69 DTI below guideline of 45. |
| 2196139 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | C | B | D | B | D | A | C | N/A | C | B | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that the XXX Bank HELOC has been closed to future draws. | 6/19 Client provided executed HELOC closure letter | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.69 DTI below guideline of 45. |
| 2196139 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | C | B | D | B | D | A | C | N/A | C | B | Property Valuations | Property | Satisfied | C | A | C | A | XXXX | Property Issues Indicated | No | Missing property inspection report. | 06/23/2026- Client provided property inspection report. | 06/23/2026- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.69 DTI below guideline of 45. |
| 2196137 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 FICO exceeds guideline of 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15 years at current job. | ||||||||||||||
| 2196120 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing initial lender ATR/QM Status. | 6/19 File is missing Comp Ease6/22 client provided Comp Ease SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 22.27% is 22.73 points below the program guideline maximum 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 788 > is above guideline minimum credit score 760. |
| 2196134 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | A | C | A | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date is before end of statutory rescission period- ROR Expiration date of XXX; disbursement date per CD dated 05/14/2026 is XXX. Borrower did not receive full mandatory rescission period.Missing Final CD signed by the borrowers at closing. | 06/24/2026 Client provided Final/Funding CD 5/22 with matching Final ALTA/Settlement Statement. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 26% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57% |
| 2196134 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | **06/24/2026 Per review of Final/Funding CD: It is proper to disclose the Taxes, Assessments and Insurance amounts, page 1, in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Provide PCCD with correction and LOE to Borrower for changes. | 06/26/2026 Client provided PCCD 6/25 with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 26% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57% |
| 2196134 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | **06/24/2026 Per review of Final/Funding CD: It is proper to disclose the Taxes, Assessments and Insurance amounts, page 1, in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Provide PCCD with correction and LOE to Borrower for changes. | 06/26/2026 Client provided PCCD 6/25 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 26% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57% |
| 2196134 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | **06/24/2026 Per review of Final/Funding CD: It is proper to disclose the Taxes, Assessments and Insurance amounts, page 1, in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Provide PCCD with correction and LOE to Borrower for changes. | 06/26/2026 Client provided PCCD 6/25 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 26% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57% |
| 2196134 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | N/A | N/A | C | B | Credit | Application | Satisfied | D | A | D | A | XXXX | Application is incomplete | No | Missing the SCIF addendum to the 1003 as required by the guidelines | 6/24 Client provided the SCIF | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 26% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57% |
| 2196134 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | N/A | N/A | C | B | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | The file is missing the 1st lien mortgage statement | 6/24 Client provided the 1srt mtg stmt | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 26% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57% |
| 2196141 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 46.48 is less than the max of 75. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.54 is less than the max of 45. | ||||||||||||||
| 2194358 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $ 19.43 due to Credit Report Fee increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. Update on 06/04/2026: Zero tolerance of $19.43 due to the increase of the Credit report fee on CD 5/14 exceeding the Initial amount of $219.00 with no COC in file. Provide a COC reflecting the change that occurred resulting in the increase or PCCD with cure, copy of cure check. LOE to Borrower and evidence of delivery. | 06/08/2026 Client provided a note reflecting: The new credit report fee was disclosed on the amended Closing Disclosure issued 5/14 as we already issued a CD and can't do a new Loan Estimate once a Closing Disclosure has been issued. Condition Remains. Provide additional information of the change that occurred to cause the Credit report fee to increase on CD 5/14, needed to validate the increase or PCCD with $19.43 cure, copy of cure check, LOE to Borrower and evidence of shipment.06/10/2026 Client provided an LOE that does not reflect any information regarding the loan itself explaining an updated credit report was run because the borrower advised of a XXX account they had opened. Condition remains. Provide a COC/LOE that goes with this change including details of the loan ie: Borrower name and loan number on Letterhead for re-review, Additional conditions may apply. 06/11/2026 Client provided COC 5/12 reflecting New credit needed and repricing due to drop in FICO, supported by LOE in file stating new credit had been established resulting in new report being pulled. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 22 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 9 years. |
| 2194358 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD dated 05/15/2026 reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. | 06/16/2026 Client provided PCCD 6/15 with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 22 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 9 years. |
| 2194358 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD dated 05/15/2026 Loan Disclosure - Escrow Account; estimated property costs over 1 year reflects $0.00. | 06/16/2026 Client provided PCCD 6/15 with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 22 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 9 years. |
| 2196115 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Title | Satisfied | D | A | D | A | XXXX | Missing Title | No | The file is missing a title report | 6/19 Client provided the Title | Satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20 years at current job |
| 2196127 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 FICO exceeds guideline of 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17 years at current job. | ||||||||||||||
| 2196126 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 7 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 21 years. | ||||||||||||||
| 2196100 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 7 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 6 years. | ||||||||||||||
| 2196105 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide the lender's QM determnation | 6.9.2026 Client provided Lender XXX Quick Connect worksheet w/QM Safe Harbor status | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35.14% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 47 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 55.54% below guideline requirements of 90% |
| 2196105 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | XXXX | Property issues indicated | No | Provide a Property Condition Inspection report. | Client provided 2055 reflecting subject property is good condition. | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35.14% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 47 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 55.54% below guideline requirements of 90% |
| 2196140 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 37.97% below guideline requirement of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 52.60% below guideline requirements of 90% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 28 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months | ||||||||||||||
| 2194560 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton's status determination is Non-QM. Lender's status determination is QM Safe Harbor File is missing note | 6/11 Client provided the Note | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.18 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 FICO exceeds guideline of 760. |
| 2194560 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Missing Note | No | Missing Executed Note | 6/11 Client provided the Note | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.18 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 FICO exceeds guideline of 760. |
| 2194560 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Executed Note | 6/11 Client provided the Note | satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.18 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 FICO exceeds guideline of 760. |
| 2194560 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Credit | Application | Satisfied | D | A | D | A | XXXX | Application is incomplete | No | Missing a complete 2-year job history. The application shows a current job start date of 4/13/2015 but the XXX VOE shows a start date of 12/24/2024. | 6.16.2026 Client provided website verifying Employment XXX was acquired by XXX as of 12.2024 in which supports reason for discrepancy of employment date. | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.18 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 FICO exceeds guideline of 760. |
| 2194560 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Missing explanation for the following inquiries on the credit report: XXX 4/21/2026 and XXX 4/8/2026. | 6.16.2026 Client provided Borrower LOX regarding requested inquiries, no new credit Shopping for this mortgage | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.18 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 FICO exceeds guideline of 760. |
| 2196103 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | A | A | C | A | A | A | C | N/A | A | A | Property Valuations | Property | Satisfied | C | A | C | A | XXXX | Property Issues Indicated | No | Property inspection report states that the bottom panels of the garage doors are damaged and the doors need replaced. | 6.22.2026 Client provided Lender LOX stating PCI came back noting that there were no potential adverse issues, but that the garage door bottom panels were damaged and the doors would need to be replaced, garage doors weren't noted as a safety issue, there were considered a cosmetic item and no repairs were required. Response, with review of the photo of garage appears to have no potential risk noted and no estimate of ext repair costs were noted. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.27 DTI below guideline of 45. |
| 2196128 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 20 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 51% | ||||||||||||||
| 2196135 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 779 > is above guideline minimum credit score 760. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 23 years. | ||||||||||||||
| 2196145 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 804 > is above guideline minimum credit score 720. | ||||||||||||||
| 2196110 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7.33 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 33 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 66.47% below guideline requirements of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 40.46% below guideline requirement of 45% | ||||||||||||||
| 2196143 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.80 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 FICO exceeds guideline of 660. | ||||||||||||||
| 2196117 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 75.23% below guideline requirements of 80% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 5.8 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.16% below guideline requirement of 45% | ||||||||||||||
| 2196104 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Application | Satisfied | D | A | D | A | XXXX | The orig file does not contain a third party fraud report | No | File only has the first 2 pages of the Drive report. Missing all other pages. | 6/19 Client provided the full DRIVE | Satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.93 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 674 FICO exceeds guideline of 660. |
| 2194593 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - CD: Loan consummated before end of waiting period | No | LE dated 5/19/2026 was e-signed by the borrower on 05/20/2026, the same day the Initial CD was issued. Need proof borrower received the LE at least 1 day before the Initial CD. | 06/16/2026 Client provided a screen print of Disclosure history reflecting LE 5/19 was delivered 5/19 reflecting both joint Borrowers. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 709 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.18 DTI below guideline of 45. |
| 2196113 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 36% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | ||||||||||||||
| 2196144 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 83 months exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 31.45% below guideline requirement of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 54.66% below guideline requirements of 90% | ||||||||||||||
| 2196109 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 57.36% below guideline requirements of 85% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 15.92 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 30 months exceeds guidelines of 12 months | ||||||||||||||
| 2196114 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x63 exceeds mortgage history guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 44.06% is 35.94 points below the program guideline maximum 80%. | ||||||||||||||
| 2196112 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 29.03% is 15.97 points below the program guideline maximum 45%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 20 years. | ||||||||||||||
| 2196132 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 74 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 37.22% below guideline requirement of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 79.99% below guideline requirements of 85% | ||||||||||||||
| 2196124 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | XXXX | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Missing IL Pred Lend Cert of Compliance or Cert of Exemption. | 06/15/2026 Client provided a screen print of Illinois Anti-Predatory Lending Database Housing Counseling Decision Report. Condition remains for the Certificate of compliance or Certificate of Exemption that is recorded with the Mortgage. 06/19/2026 Client provided missing Illinois Anti Predatory Certificate of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 669 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.57 DTI below guideline of 45. |
| 2196124 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Credit | Application | Satisfied | D | A | D | A | XXXX | The orig file does not contain a third party fraud report | No | Missing a third party fraud report. | 6.16.2026 Client provided 1st Fraud Report however unable to open document, please re-send and 2nd upload document Fraud is for a different Borrower by name of XXX. Condition remains for Fraud report for subject transaction. 6/17 Client provided the correct Fraud report | Satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 669 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.57 DTI below guideline of 45. |
| 2194554 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 31.50% below guideline requirement of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 64.64% below guideline requirements of 90% | ||||||||||||||
| 2196118 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 68.82% is 11.18 points below the program guideline maximum 80%. | ||||||||||||||
| 2196111 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.20 DTI below guideline of 45. | ||||||||||||||
| 2196131 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | N/A | N/A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | XXXX | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Verbal Verification of Employment is incomplete- Missing date. | 6/19 client provided a 6/15 post close VVOE | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 696 > is above guideline minimum credit score 680. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 7 years. |
| 2196129 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Missing The Will Not Have an Escrow Account in the CD Loan Disclosures section is not selected as either You declined it and/or Your lender does not offer one | 06/24/2026 Client provided PCCD 6/23 with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.25% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 22.33 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 67 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 60.56% below guideline requirements of 85% |
| 2196129 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated 05/20/2026 and 06/11/2026 reflect $0 for Estimated Taxes, Insurance & Assessments in the Projected Payments section. For junior liens, disclosure of the first lien Taxes, Insurance & Assessments is required. | 06/24/2026 Client provided PCCD 6/23 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.25% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 22.33 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 67 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 60.56% below guideline requirements of 85% |
| 2196129 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated 05/20/2026 and 06/11/2026- Loan Disclosures- Escrow Account- Estimated Property Costs Over Year 1 reflect $0. | 06/24/2026 Client provided PCCD 6/23 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.25% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 22.33 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 67 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 60.56% below guideline requirements of 85% |
| 2199017 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | Texas Home Equity | Satisfied | B | A | B | A | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Please provide missing T.42.1 Title Endorsement. | 06.22.2026 - Proof of endorsement received. | 06.22.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.99% below max DTI of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is at 77% which is below the max CLTV of 90% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 740 meets the minimum required fico of 700 CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates on Mortgage within the last 6 years |
| 2199116 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.15% with a max CLTV of 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 45.9% falls below max DTI of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 726 exceeds minimum requirement of 700 based on CLTV | ||||||||||||||
| 2199055 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 163 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 mid score > min required of 740 CFCFS2854: Significant time in profession - Clayton Comments: 15.6 years employed in the Security industry. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $84,351.21 = 28.62 months of reserves; 0 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.16% LTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has164 months of mortgage payment history 0x30 per CBR; 24 months required. | ||||||||||||||
| 2199053 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 5 years living at primary residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 155 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 310 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.49% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Borrower paid off 6 installment/revolving accounts with this transaction for $70,347.06 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 mid score > min required of 680 per guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 years at present job | ||||||||||||||
| 2199029 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 202 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 12 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.29% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 703 qualifying credit score per CBR; 680 minimum score required per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 149 months of 0x30 consumer credit history per CBR; 24 months required. | ||||||||||||||
| 2198935 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.94% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 18 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for 5 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 20.90 months of reserves in file. 0 months required. | ||||||||||||||
| 2198956 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | 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: DTI 32.13 % is below maximum allowed 50% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 155 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 75.66 % is below maximum allowed 90% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 qualifying credit score exceeds minimum required of 720 per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 15.72 months of PITI reserves exceed 3 months required | ||||||||||||||
| 2198953 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is XXX; disbursement date per Final CD in file is 6/10/2026. Borrower did not receive full mandatory rescission period prior to disbursement of funds. Please provide LOX, TIL or CD, proof of delivery, and New NORTCs to all entitled to rescind to re-open rescission (2 for each recipient). Within 60 days of discovery. | 6.22.2026 - PCCD and LOX with updated disbursement date received. Please provided Final ALTA as well to confirm DD was in fact XXX.06.23.2026 - Final ALTA provided confirming DD of XXX received. | 06.22.2026 -Exception remains06.23.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying cltv 50%. Requirement max cltv 70%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower shows no lates on mortgage for primary and investment property. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in his profession and with same employer more than 10 years. |
| 2198927 | XXXXXX | SC | QM: Safe Harbor | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not in file | No | Please provide missing List of homeowners counseling organizations. | Received executed copy of HOC list | Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.20% LTV/CLTV per review; 90% LTV/CLTV is maximum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 494 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 qualifying credit score per CBR; 700 FICO is minimum required per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 25.82 months of reserves; 0 months required CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 99 months of 0x30 mortgage history per Credit Report; 24 months required. |
| 2198927 | XXXXXX | SC | QM: Safe Harbor | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA: Required Affiliate Business Disclosure missing | No | Provide Affiliated Business Disclosure. | Received executed ABD disclosure | Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.20% LTV/CLTV per review; 90% LTV/CLTV is maximum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 494 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 qualifying credit score per CBR; 700 FICO is minimum required per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 25.82 months of reserves; 0 months required CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 99 months of 0x30 mortgage history per Credit Report; 24 months required. |
| 2198918 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 11.30 months of PITI reserves . CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 44.32% is below maximum allowed 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 741 exceeds minimum required 700 | ||||||||||||||
| 2198921 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | H9 (increase amount of credit) ROR form used for this Non-Lender to lender refinance. H8 (will result in mortgage) was the proper form. | 7/09/2026 The lender provided the correct Right to Cancel form (H8) signed by both borrowers and the LOE. | 07/09/2026 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 77.98% CLTV < 90% CLTV maximum per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 172 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1739: Positive mortgage payment history - Clayton Comments: 53+ months of positive pay history no 0x30/60/90 lates required for 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 FICO > 740 product minimum per guidelines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $82,739.89 = 46.30 months of reserves; 0 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 5.5 years living at primary residence. |
| 2198968 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 in past 53 months reviewed exceeds minimum required of no lates in the past 24 months (0x30x24). CFCFS2860: Good credit history - Clayton Comments: 0x30,0x60,0x90 in past active 255 months reviewed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 mid score > min required of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $2,051.96, required reserves $0.00. | ||||||||||||||
| 2199028 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 20 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 25 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 25 years. | ||||||||||||||
| 2199126 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is XXX; disbursement date per Final CD in file is XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds Requires corrected PCCD, LOX, re-open of rescission-copy of shipping. | 6/15/26 - Lender provided corrected PCCD and proof of shipping. | 6/15/26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 22 years at current address CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 741 exceeds minimum required score of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 4.72 months of reserves in file; 0 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 319 months of 0x30 mortgage history per CBR; 24 months required. CFCFS5269: Minimal use of credit - Clayton Comments: Credit utilization is only 22% per CBR. CFCFS1737: LTV below guideline requirements - Clayton Comments: 52.04% LTV/CLTV per review; 90% LTV/CLTV is maximum allowed per guidelines. |
| 2198985 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Insurance | Satisfied | D | A | D | A | XXXX | Missing Flood Certification Document | No | Missing Flood Certificate. | Received flood certificate | Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $53,047.55, required reserves 3 months of PITIA * $2,388.76 ($7,166.28) CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 47.12%; guidelines allow 65%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have55 months mortgage payment history 0x30. |
| 2199031 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | B | B | C | B | C | A | N/A | N/A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | XXXX | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has 38+ years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have55 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $147,273.30; no reserves required. |
| 2199031 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | B | B | C | B | C | A | N/A | N/A | B | B | Credit | Income/Employment | Satisfied | C | A | C | A | XXXX | Verbal verification of employment missing | No | Final VOE (page 488) blank, to view open in FOCUS. Missing date. | 7/07/2026 The lender provided VOE with date verified section completed. | Exception Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has 38+ years at present job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have55 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $147,273.30; no reserves required. |
| 2198939 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 224 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.89% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 702 qualifying credit score per CBR; 700 FICO is minimum required per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 34.19 months of reserves in file; 0 months required. | ||||||||||||||
| 2198960 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV at 43.24% below max CLTV of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $50,610.75 = 51.41 months of reserves in file. 3 months of reserves required. CFCFS1736: Significant time at current residence - Clayton Comments: 6 years living at primary residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 211 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 687 exceeds minimum 680 FICO per guidelines. | ||||||||||||||
| 2199066 | XXXXXX | ND | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 334 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.96% below max CLTV 90% CFCFS1736: Significant time at current residence - Clayton Comments: 4 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 785 exceeds minimum FICO of 740 CFCFS1739: Positive mortgage payment history - Clayton Comments: No lates on mortgage within the last 5 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 45.72 months of reserves in file. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTi at 39.01% below max DTI of 50% per guidelines. | ||||||||||||||
| 2198888 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.95% LTV/CLTV per review; 90% LTV/CLTV is maximum allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 13.77 months of reserves in file, 0 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: No lates on mortgage within the last 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 732 exceeds minimum required score of 700 CFCFS2860: Good credit history - Clayton Comments: No major derogs. excellent payment history and fico score | ||||||||||||||
| 2199032 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 691 qualifying credit score per CBR; 680 minimum required per guidelines. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 16 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 353 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 45.87%; guidelines allow 75% maximum. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16 years at present job CFCFS1736: Significant time at current residence - Clayton Comments: 23 years at primary residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 191 months of 0x30 mortgage history per CBR; 24 months required. | ||||||||||||||
| 2199033 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | Because the loan is a stand alone second mortgage where no prior second was paid off, Form H8 should have been used. | 06.23.2026 - LOX, TIL or CD, proof of delivery, and correct version of NORTCs to all entitled to rescind to re-open rescission received. | 06.23.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years in home CFCFS1734: Borrower has significant time at current job - Clayton Comments: 20 year on job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $134,644.29 post closing reserves. $0 required. |
| 2199076 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | XXXX | ROR - Disbursement date is on/before disclosed "midnight of" date | No | To be reviewed and addressed by QC to be potentially waived. | 10.6.2026 - Acknowledged, waived by client | 10.6.2026 - Acknowledged, waived by client | (No Data) | Not Applicable | 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 @ 0.72% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13 years at present job CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 27.52% is below guideline maximum 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 79.99%; guidelines allow 90%. |
| 2198950 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 23 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 234 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 qualifying credit score; 740 FICO is minimum required per guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 28.4 years employed with XXX CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 264 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 28.51 months of reserves in file; 0 months required per guidelines. | ||||||||||||||
| 2199054 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $12,480.49 for reserves..No requirement applicable due to ltv<80%. CFCFS2854: Significant time in profession - Clayton Comments: Both borrowers in their profession greater than 5 years. CFCFS1739: Positive mortgage payment history - Clayton Comments: Credit report reflects good mortgage history. | ||||||||||||||
| 2198936 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 31 years at primary residence CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 37.29% is below guideline maximum 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11 years at present job CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 55.42%; guidelines allow 75%. | ||||||||||||||
| 2199071 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Insurance | Satisfied | C | A | C | A | XXXX | Insufficient Hazard Insurance Coverage | No | Provide an updated hazard policy to reflect guaranteed replacement costs or additional insurance coverage. | Client provided HOI confirmation of full replacement cost | Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 806 exceeds minimum fico requirement of 700 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 45 years owning the same business CFCFS1734: Borrower has significant time at current job - Clayton Comments: Over 10 years employed with the same XXX CFCFS5269: Minimal use of credit - Clayton Comments: Credit Utilization is only 6/1% |
| 2199104 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing evidence that the XXX Loan for $XXX is paid in full as this debt is omitted from the 1008 and the payoffs on the CD that would cause the DTI to exceed 50% | 7.9.2026- Received 12 month payment history for omitted debt | 7.9.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 12 years in the same profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 23.03 months of reserves in file; 0 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 689 exceeds the minimum fico score requirement of 660 CFCFS1736: Significant time at current residence - Clayton Comments: 6 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 51.03% below the Max CLTV of 75% |
| 2198976 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 690 qualifying credit score per CBR; 680 FICO is minimum allowed per guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.78% LTV/CLTV per review; 75% LTV/CLTV is maximum allowed per guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 15+ years at present job CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.8% is below guideline maximum 50%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have42 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $17,264.24; required reserves $0.00 | ||||||||||||||
| 2199074 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | $10 Zero Percent Tolerance Violation due to Inspection fee added on CD 5.22.2026 without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 06.23.2026 - Cure provided via LOX, PCCD, $10 check and proof of delivery. | 06.23.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: No mortgage lates from all mortgages on credit CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 11.30 months of verified reserves CFCFS1734: Borrower has significant time at current job - Clayton Comments: Both borrowers have stable job history B1 has over 25 years with his company and Borrower 2 15 years |
| 2198946 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 753 exceeds the guideline program minimum of 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 13 years and 7 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 57 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. | ||||||||||||||
| 2199138 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 43.03 months of reserves in file. 0 months required. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 13 years with current employer. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.61$% is below 50% maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 exceeds minimum 680 for up to 70% CLTV and up t0 $300K loan amount. CFCFS1736: Significant time at current residence - Clayton Comments: 4.6 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: 57.70% LTV per review; 90% LTV is maximum allowed per guidelines. | ||||||||||||||
| 2198912 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reflected on credit 72 months reviewed. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence greater than 5 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI 34.11%. Maximum allowed 50%. | ||||||||||||||
| 2199039 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | H9 (increase amount of credit) ROR form used for this NON-lender to lender 2nd lien refinance. H8 (will result in mortgage) was the proper form. Please provide LOX, TIL or CD, proof of delivery, and correct version of NORTCs to all entitled to rescind to re-open rescission (2 for each recipient). Within 60 days of discovery. | 7/07/2026 Received from lender correct Right to Cancel form (H8), signed by both borrowers. There was the LOE and proof of delivery. | 7/07/2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 mid-score per CBR; 740 FICO is minimum required per guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: 9 years living at primary residence. CFCFS2860: Good credit history - Clayton Comments: No lates reflected on credit report. CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.95% LTV per review; 90% LTV maximum per guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.30. Max 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 26.39 months of reserves in file; 0 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 244 months of 0x30 consumer credit history per CBR. 24 months required. |
| 2199063 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 30.1 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 mid-score per CBR; 740 FICO is minimum required per guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 22.9 years employed with XXX. CFCFS2854: Significant time in profession - Clayton Comments: 22.9 years working in the Retail/Wholesale industry. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 158 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 170 months of 0x30 mortgage history per CBR; 24 months required. | ||||||||||||||
| 2199027 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $132,724.45 exceed $0 required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 749 exceeds minimum fico of 700 for up to 85% CLTV. CFCFS1736: Significant time at current residence - Clayton Comments: 9+ years at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.98% below max CLTV of 90% | ||||||||||||||
| 2199034 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.02% CLTV < 85% Product cap at 733 FICO CFCFS1739: Positive mortgage payment history - Clayton Comments: 71+ months of positive mortgage payment history with no 0x30/60/90 lates CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 FICO > 660 Product minimum CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.10% DTI < 50% Product Cap CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $91630.86 Verified cash reserves > $0 required by product guideline | ||||||||||||||
| 2199038 | XXXXXX | UT | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: Credit Utilization is only 4.14% CFCFS2860: Good credit history - Clayton Comments: No major derogs, excellent payment history and fico scores on all accounts CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 800 below the minimum requirement of 700 based on the CLTV CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV at 69.04%. Max CLTV 90% CFCFS2854: Significant time in profession - Clayton Comments: 15 years in the same field | ||||||||||||||
| 2199047 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | XXXX | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. | 6.16.26 - Client waived | 6.16.26 - Client waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 718 qualifying credit score per CBR; 700 FICO is minimum required per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 23.71 months of reserves in file; 0 months required per guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: 13 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: 59.29% LTV/CLTV per review; 85% LTV/CLTV is maximum allowed per guidelines. |
| 2198993 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 76.26 CLTV < 90% CLTV maximum per guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.29 DTI < 50% product maximum CFCFS1736: Significant time at current residence - Clayton Comments: 6 years living at primary residence. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 18.10% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 12.42 months of reserves in file; 0 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 FICO > 720 FICO product minimum CFCFS1739: Positive mortgage payment history - Clayton Comments: 63 months of 0x30 mortgage payments per CBR, 24 months required. | ||||||||||||||
| 2198994 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is XXX; disbursement date per Final CD in file is XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds Requires corrected PCCD, LOX, re-open of rescission-copy of shipping | 07.09.2026 - LOX and PCCD recevied with corrected Disbursement date of XXX. Please also provide Final ALTA confirming Disbursement of XXX7/10/2026 Lender provided Final ALTA certifying disbursement on XXX. | 07.09.2026 -Exception remains07.10.2026- Remaining Exception -Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying dti 22.97%. Max allowed 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 823. Minimum requirement for cltv max of 90% is 740. CFCFS1739: Positive mortgage payment history - Clayton Comments: No late payments reflected on credit report..63 months reviewed.. |
| 2199004 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 760 > min required of 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV of 77% is below 90% max allowed. CFCFS2854: Significant time in profession - Clayton Comments: 20 years in profession. | ||||||||||||||
| 2198881 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 17.82% is below maximum allowed 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 774 exceeds minimum required 660 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 55.04% is below maximum allowed 90% | ||||||||||||||
| 2198886 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | Transaction date per Notary date is XXX however Final CD 5.27.2026 was received on XXX making the earliest expiration date per ROR XXX. Disbursement date per Final CD is XXX. Full rescission period not observed. | 6/17/26 - Lender provided PCCD correcting the disbursement date. | 6/17/26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 23 years living at primary residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have71 months mortgage payment history 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 34+ years at present job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $27,642.10, required reserves $0.00. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 qualifying credit score per CBR; 700 FICO is minimum required per guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 16.41%; guidelines allow 90%. |
| 2198886 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Waived | B | B | B | B | XXXX | ROR - Expiration date on form prior to end of rescission period | No | ROR Expiration date is XXX which is prior to earliest rescission date allowable of XXX | 10.6.2026 - Acknowledged, waived by client | 10.6.2026 - Acknowledged, waived by client | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 23 years living at primary residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have71 months mortgage payment history 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 34+ years at present job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $27,642.10, required reserves $0.00. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 qualifying credit score per CBR; 700 FICO is minimum required per guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 16.41%; guidelines allow 90%. |
| 2198880 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | There was no 2nd mortgage payoff, thus the new 2nd mortgage represents all new money, requiring an H8. | 07.01.2026 - LOX, proof of delivery, and correct version of NORTCs to all entitled to rescind to re-open rescission received. | 07.01.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI 35.16%. Requirement max allowed 50%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Good mortgage payment history 59 months reviewed. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower not heavy credit user. |
| 2198961 | XXXXXX | WA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reported on credit. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 763. Requirement 700. | ||||||||||||||
| 2198978 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 7 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 176 months of 0x30 consumer credit history per CBR. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 713 exceeds minimum of 660 for up to 70% CLTV. CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.93% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25.21% is below guidelines 50% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 21.83 months of reserves in file; 0 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30,0x60,0x90 in 64 months exceeds minimum required of 0x30x24. | ||||||||||||||
| 2198892 | XXXXXX | NE | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 6 years living at primary residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 123 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 37.34% is below guideline maximum 50%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 155 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash-back assets from final CD: $195,152.44 = 103.03 months of reserves; 0 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 720 mid score > minimum required of 700 per guidelines. | ||||||||||||||
| 2199105 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying fico 698. Requirement 680. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 193 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 7.6 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 11.92 months of reserves in file; 0 months required. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates 62 months reviewed on credit report. 24 months required. | ||||||||||||||
| 2199099 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | The loan is a standalone second mortgage with no prior second being paid off. Even though the same lender holds the first mortgage, Form H8 should have been used. | 6.29.2026- Lender provided correct ROR form H8 along with signed LOE. | 6.29.2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 11.81% CFCFS1736: Significant time at current residence - Clayton Comments: 17+ years at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: 65+ Positive mortgage payment no 0x30/60/90 lates CFCFS1734: Borrower has significant time at current job - Clayton Comments: 36+ years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.45 DTI < 45% Product maximum CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 66.41% < 80% product maximum |
| 2199040 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 30 years in current profession. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.49% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: 15 years living at primary residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 69 months mortgage payment history 0x30. 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 mid-score per CBR; 680 FICO is minimum required per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $0.0 required reserves, total assets = $4,209.43 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 43.54% is below guideline maximum 50%. | ||||||||||||||
| 2199079 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | N/A | N/A | A | A | Credit | Debt | Satisfied | C | B | C | B | XXXX | Missing required Pre-Close Credit Report dated within 10 days of note | No | Missing the required Pre-Close credit report within 10 days of Note date. | 07.01.2026 Lender provided pre-close credit report dated 6.12.2026 | 07.01.2026 condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: ASSETS:$904,558.45 divided by PITIA $7,400.89 = 122.22 months reserves which exceeds the 3 month reserve requirement. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 212 months of 0x30 mortgage history per CBR. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 31 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico 733 exceeds minimum fico requirement of 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments: 31 years at current job |
| 2199030 | XXXXXX | UT | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | XXXX | Ability to repay not demonstrated | No | Provide ATR/QM worksheet | Client provided ATR/QM rebuttable presumption = Y | Exception Satisfied | (No Data) | Not Applicable | (No Data) |
| 2199043 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 14 years at primary residence CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.09% is below 50% maximum. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9+ years at present job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $41,900 reserves > $0 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 58.19%; guidelines allow 75%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 16+ years at present job | ||||||||||||||
| 2199128 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 mid score > min required of 720 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been in same profession for 11 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 10 years. | ||||||||||||||
| 2199117 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | N/A | N/A | A | A | Credit | Debt | Satisfied | C | B | C | B | XXXX | Missing required Pre-Close Credit Report dated within 10 days of note | No | Missing the required Pre-Close credit report. | 7/07/2026 Lender provided provided Pre-close Credit Report, it's dated 6.22.2026 and within 10 days of the promissory note. | 07/07/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 43.36% is below max allowed of 50%. CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $19,658.83 exceed required of $0. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV of 65.15% is below 85% maximum. |
| 2199000 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 719 exceeds minimum required 680 for up to 70% CLTV. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 53% is below maximum allowed 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $93420.79 exceed $0 required. CFCFS5269: Minimal use of credit - Clayton Comments: Low credit utilization ratio of 0.43%. CFCFS1736: Significant time at current residence - Clayton Comments: 13 years at current residence. | ||||||||||||||
| 2199010 | XXXXXX | MI | QM: Safe Harbor | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | N/A | N/A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | XXXX | # of Tradelines Does Not Meet Guideline Requirements | No | Guidelines require minimum of 3 open and active tradelines reporting within 12 months of credit report date. Including current 1st lien mortgage borrower has 2 open and active accounts. Missing 3rd open and active tradeline. | 6.22.2026- Received exception approval10.6.2026 - Acknowledged, waived by client | 6.22.20236 - Exception non-material, exception remains10.6.2026 - Acknowledged, waived by client | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.74% LTV/CLTV per review; 90% LTV/CLTV is maximum allowed per guidelines. CFCFS2854: Significant time in profession - Clayton Comments: 7.2 years working in the XXX industry. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 105.91 months of reserves in file; 0 months required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7.2 years employed with Otis Elevator. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 185 months of 0x30 mortgage history per CBR; 24 months required. |
| 2198967 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $92,558.29 post closing reserves. $0 required. CFCFS1736: Significant time at current residence - Clayton Comments: 11 years in home CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 12 years XXX | ||||||||||||||
| 2199050 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 84.99% below max of 90% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $24,671.49 verified assets. (5 months total reserves). 3 months reserves required: PITIA $4,846.52 x 3 = $14,539.56 in assets. CFCFS2854: Significant time in profession - Clayton Comments: 16 years in same line of work CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico of 804 exceeds minimum fico of 740 | ||||||||||||||
| 2198902 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 57.76%; guidelines allow 90% CLTV maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid score > minimum required of 740 FICO CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 194 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 30 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 18.15% is below guideline maximum 50%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 280 months of 0x30 mortgage history per CBR. 24 months required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 years at present job | ||||||||||||||
| 2199023 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8 years with current employer. CFCFS1736: Significant time at current residence - Clayton Comments: 8.6 years living at primary residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: 76.69% LTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 129 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.20% is below 50% guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 8.19 months of reserves in file; 0 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 770 exceeds minimum 700 for up to 80% CLTV. | ||||||||||||||
| 2198962 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 12 years in the Transportation industry. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 312 months of 0x30 consumer credit history per CBR. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 734 exceeds minimum fico requirement of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 78.67% vs max CLTV of 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12 years at current job | ||||||||||||||
| 2199005 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has been employed in the same line of work with same employer since 7/2001. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers not heavy credit users and lines of credit not reflecting high balance. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 793. Requirement 700. CFCFS1739: Positive mortgage payment history - Clayton Comments: Excellent mortgage history reflected on credit report. | ||||||||||||||
| 2198951 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 702 exceeds minimum required 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.58 % is below maximum allowed 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 25.18 months of PITI reserves exceed 3 months required | ||||||||||||||
| 2198916 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 53.79% CLTV < 90% CLTV product cap per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 FICO > 660 Product minimum CFCFS1736: Significant time at current residence - Clayton Comments: 4.6 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 234 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1739: Positive mortgage payment history - Clayton Comments: 133 months of 0x30 mortgage history on CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $62,307.16 = 17.81 months of reserves in file. CFCFS1744: DTI below guideline requirement - Clayton Comments: 45.60% DTI < 50% DTI maximum per guidelines. | ||||||||||||||
| 2198988 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 5.6 years working in the Medical industry. CFCFS1737: LTV below guideline requirements - Clayton Comments: 41.09% LTV/CLTV per review; 85% LTV/CLTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 mid-score per CBR; 700 FICO is minimum required per guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5.6 years employed with Multicare. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 157 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 20.02 months of reserves in file; 0 months required. | ||||||||||||||
| 2198996 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | The loan is a standalone second mortgage with no prior second being paid off. Even though the same lender holds the first mortgage, Form H8 should have been used. | 7/2/26 - Lender provided correct ROR. | 7/2/26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: 65 months of 0x30 Mortgage history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 776 exceeds minimum fico requirement of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 53.95 months of reserves in file; 0 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV at 70.96% below guidelines of max 90% |
| 2199024 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9.4 years employed with XXX CFCFS1736: Significant time at current residence - Clayton Comments: 4 years living at primary residence. CFCFS2854: Significant time in profession - Clayton Comments: B1 has 9.4 years working on the XXX industry. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 5 years employed with XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 713 exceeds the Max minimum fico allows of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 74.37% below the Max CLTV 85% | ||||||||||||||
| 2199035 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18 years at present job CFCFS1736: Significant time at current residence - Clayton Comments: 11 years at primary residence CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 25 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 69.7%; guidelines allow 85%. | ||||||||||||||
| 2199100 | XXXXXX | OR | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 10.58/30.16 % DTI. Max 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: 25.15/63.03 CLTV. Max 85/85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 qualifying score. Minimum 680 | ||||||||||||||
| 2199044 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 732. Requirement 720. CFCFS2860: Good credit history - Clayton Comments: No derogatory items reflected on credit. CFCFS1739: Positive mortgage payment history - Clayton Comments: No late mortgage payments reported on credit report. | ||||||||||||||
| 2198952 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is XXX; disbursement date per Final CD in file is XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds Requires corrected PCCD, LOX, re-open of rescission-copy of shipping. | 6/29/26 - Lender provided Alta statement showing corrected disbursement date of XXX | 6/29/26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.81% LTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 820 mid-score per CBR; 740 FICO is minimum required per guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: 5.9 years living at primary residence. CFCFS2854: Significant time in profession - Clayton Comments: 22.4 years working in the XXX field. |
| 2198975 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 48.20% CLTV per review; 90% CLTV is maximum allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 21.23 months of reserves in file, 0 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid-score per CBR; 740 FICO is minimum required per guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: 9 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 113 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 109 months 0x30 mortgage history per CBR; 24 months required. | ||||||||||||||
| 2199129 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 10.53 months of reserves in file; 0 months required. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 7+ years at current job CFCFS1736: Significant time at current residence - Clayton Comments: 15+ years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 709 qualifying credit score per CBR; 700 FICO is minimum required per guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 21+ at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: 76.54% CLTV < 85% CLTV maximum allowed per guidelines. CFCFS1739: Positive mortgage payment history - Clayton Comments: 51+ months of 0x30 mortgage history per CBR; 24 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.72% DTI < 50% DTI product maximum per guidelines. | ||||||||||||||
| 2199135 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19.9 years employed with XXX company. CFCFS2854: Significant time in profession - Clayton Comments: B1 has 19.9 years in the XXX industry. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 294 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 36.28% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 308 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 qualifying credit score per CBR; 700 minimum required per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $40,790.56 = 15.89 months of reserves, 0 months required. | ||||||||||||||
| 2198974 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.88% is below max 50%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: ox30,0x60,0x90 in 99 months reviewed exceeds minimum required of (0x30x24). CFCFS1737: LTV below guideline requirements - Clayton Comments: 44.06% LTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 139 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS2854: Significant time in profession - Clayton Comments: 18.4 years working in the Consumer Electronics field. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 747 > than minimum 660 for up to 70% CLTV and up to $100K loan amount. | ||||||||||||||
| 2198980 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | Expiration date per ROR is XXX and Disbursement Date per Final CD 5.29.2026 is XXX. Full rescission period not observed. | 06.23.2026 - PCCD with corrected DD received and Final ALTA with DD XXX. | 06.23.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 16.73% is below guideline maximum 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $41,600.56; required reserves $0.00 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have69 months mortgage payment history 0x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 mid score > min required of 680 |
| 2199097 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ROR expiration date is XXX and Disbursement date is XXX Disbursement date is before end of statutory rescission period. Please provide LOX, TIL or CD, proof of delivery, and New NORTCs to all entitled to rescind to re-open rescission (2 for each recipient). Within 60 days of discovery. | 07.01.2026 - PCCD and LOX provided with corrected Disbursement of XXX. Please provide Final ALTA as well to confirm Disbursement date of XXX.07.09.2026 Lender provided Final ALTA certifying Disbursement date of XXX. | 07.01.2026 -Exception remains07.09.2026 -Remaining exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.31% CLTV < 85% product cap at 713 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $59,375.41 = 14.61 months of reserves in file, 0 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 10+ years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.51 % DTI < 50% product cap required per guidelines. CFCFS1739: Positive mortgage payment history - Clayton Comments: 291 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 FICO > 680 Product minimum required per guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26+ years at current job |
| 2199133 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | XXXX | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. | Acknowledged. Waived by XXX | Acknowledged. Waived by XXX | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 99 months of 0x30 mortgage history per CBR. 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 62% CLTV. Max 85% CFCFS1736: Significant time at current residence - Clayton Comments: 9 years 6 months in home. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reduced monthly debt by $1705.05 a month. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 718 mid-score per CBR; 700 FICO is minimum required per guidelines. |
| 2198972 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $38,202.65 post closing reserves. $0 required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 261 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 95 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 23 years on current job CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.17% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.01% DTI per review. Max DTI per guidelines is 50% CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. | ||||||||||||||
| 2198917 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 8+ years at current residence. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 on credit 62 months reviewed. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 62.61%. Max allowed 90%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $66,820.32 cash reserves exceed $0 required. CFCFS2854: Significant time in profession - Clayton Comments: 21 + years in profession. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer over 20 years. | ||||||||||||||
| 2198890 | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $80,560.83 in post closing reserves. $0 required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 qualifying score. Minimum 700 CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 56 mo's rated primary and 0x30 99 mo's rated secondary home. | ||||||||||||||
| 2198971 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.37% LTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 31 years and 8 months on job CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 199 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 qualifying credit score per CBR; 740 FICO is minimum required per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $37,474.98 post closing reserves. $0 required. | ||||||||||||||
| 2199091 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 24 years in the same profession CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 67.75% with a max CLTV of 90% per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 mid-score exceeds minimum FICO of 740 per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 173 months of 0x30 mortgage history per CBR; 24 months required. CFCFS5269: Minimal use of credit - Clayton Comments: 9% revolving credit utilization per CBR. | ||||||||||||||
| 2198884 | XXXXXX | MO | QM: Safe Harbor | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | The loan is a standalone second mortgage with no prior second being paid off. Even though the same lender holds the first mortgage, Form H8 should have been used. | 06.23.2026 - rescission was reopened with H8. | 06.23.2026 -Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 2198887 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $31,321.15 exceed $0 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV of 73 % is below max of 85%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6+ years at current job. | ||||||||||||||
| 2199118 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing proof that HELOC has been paid and closed to future draws | No | Missing HELOC Close out letter verifying XXX ending *XXX has been closed to future draws. 6.30.2026 - Received Authorization to close account form dated 6.11.26 | 6.30.2026 - Received Authorization to close account form dated 6.11.26 | Clayton Conclusion 6.30.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19 + years with current employer. CFCFS1736: Significant time at current residence - Clayton Comments: 8.6 years living at primary residence. CFCFS2854: Significant time in profession - Clayton Comments: 19.9 years in the XXX field. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV of 70% is below guideline 90% maximum. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 26.33% is below guideline 50% DTI maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 mid-score per CBR; 700 FICO is minimum required. |
| 2199012 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Right of Rescission | Satisfied | B | B | B | B | XXXX | Cannot determine if funding date is after rescission period | No | Missing ROR form | 06.19.2026 - ROR form received. | 06.19.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 58.94% CLTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 63 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 8 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has significant time at current job, 10 years and 4 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $116,296.71 (48.26 months PITIA reserves) > min required reserves of $0 |
| 2199012 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Right of Rescission | Satisfied | D | A | D | A | XXXX | ROR - Missing or Incomplete Right of Rescission form | No | Missing ROR form | 06.19.2026 - ROR form received. | 06.19.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 58.94% CLTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 63 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have resided at current residence for 8 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has significant time at current job, 10 years and 4 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $116,296.71 (48.26 months PITIA reserves) > min required reserves of $0 |
| 2198909 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ROR expiration date is XXX and Disbursement date per Final CD 6.23.2026 is XXX which is prior to the end of the statutory rescission period. Please provide LOX, TIL or CD, proof of delivery, and New NORTCs to all entitled to rescind to re-open rescission (2 for each recipient). Within 60 days of discovery. | 07.07.2026 - PCCD received with Disbursement date of XXX and LOX provided. Please provide Final ALTA as well confirming Disbursement date was in fact XXX.7/09/2026 Lender provided Final Refinance Statement certified by XXXX title settlement agent, showing a disbursement date of XXX | 07.07.2026 -Exception remains7/09/2026- Remaining exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $68,699.32 = 39.47 months of reserves in file. 0 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 21 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 798 exceeds minimum required 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.68 % is below maximum allowed 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: 42.91% LTV per review; 90% LTV is maximum allowed per guidelines. |
| 2199061 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 135 months of 0x30 mortgage history per CBR. 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 84.99% LTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 181 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. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 mid-score per CBR; 740 FICO is minimum required per guidelines at 90% LTV. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $150,042.68 = 39.47 months of reserves, 3 months required | ||||||||||||||
| 2198910 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | N/A | N/A | A | A | Credit | Debt | Satisfied | C | B | C | B | XXXX | Missing required Pre-Close Credit Report dated within 10 days of note | No | Missing required Pre-Close credit report. | 6.26.2026- Received pre-close credit report | 6.26.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $29,916.80 exceed $0 required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 exceeds minimum required of 700 for up to 80% CLTV. CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.57% LTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.26% is below 50% maximum. CFCFS1736: Significant time at current residence - Clayton Comments: 6 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 305 months of 0x30 consumer history per CBR. 24 months required. |
| 2199018 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.23% is below 50% maximum. CFCFS2854: Significant time in profession - Clayton Comments: 9.9 years working in the Logistics industry CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 mid-score per CBR; 720 FICO is minimum required per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 185 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $138,704.86 or 59.30 months PITIA exceed required reserves 3 months PITIA CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9+ years at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 9+ years at current job. CFCFS1736: Significant time at current residence - Clayton Comments: Eight years at current residence. | ||||||||||||||
| 2198999 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | MI Home Loan - No Evidence that Michigan Home Loan Toolkit was delivered to the borrower | No | No Evidence that Michigan Home Loan Toolkit was delivered to the borrower | 06.23.2026 - Toolkit provided | 06.23.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 20 years in the same profession CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 282 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 11 years at current address CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 29.37 months of reserves in file. 0 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV at 72.19% below guidelines of max 90% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Current Fico of 768 exceeds minimum FICO of 740 required per guidelines. |
| 2199041 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 30.5 years employed with XXX CFCFS1736: Significant time at current residence - Clayton Comments: 17 years living at primary residence. CFCFS2854: Significant time in profession - Clayton Comments: 30.8 years in the Software industry. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 697 mid-score per CBR; 680 FICO is minimum required per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 97 months of 0x30 mortgage credit history; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 53.67% LTV per review; 75% LTV is maximum allowed per guidelines. | ||||||||||||||
| 2198899 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 742 exceeds the guideline program minimum of 660 CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided at current residence for 22 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 21 years. | ||||||||||||||
| 2199084 | XXXXXX | WA | QM: Safe Harbor | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is XXX ; disbursement date per Final CD in file is XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds Requires corrected PCCD, LOX, re-open of rescission-copy of shipping. | 06.22.2026 - PCCD with corrected DD and Final ALTA with DD of XXX received. | 06.22.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 132 months of 0x30 mortgage history per CBR; 24 months required. CFCFS2854: Significant time in profession - Clayton Comments: 25 years working in the XXX industry. CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.47% LTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1739: Positive mortgage payment history - Clayton Comments: 39 months reviewed no lates per credit report. CFCFS1736: Significant time at current residence - Clayton Comments: 12.1 years living at primary residence. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI 45.61%. Maximum 50% DTI per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 144 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 mid-score per CBR; 740 FICO is minimum required per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 31.70 months of reserves in file. 0 months required. |
| 2198997 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is XXX; disbursement date per Final CD in file is XXX Borrower did not receive full mandatory rescission period prior to disbursement of funds Requires corrected PCCD, LOX, re-open of rescission-copy of shipping. | 06/29/2026 - Lender provided PCCD showing corrected Disbursement date of XXX | 6/29/26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 57.56% CLTV < 75% product cap per guidelines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $101,312.53 verified cash reserves from cashout proceeds > than $0 reserves required by lender guidelines CFCFS1736: Significant time at current residence - Clayton Comments: 22+ years at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: 54 months of 0x30 payment history, no 0x30/60/90 lates, 24 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.72% DTI < 45% product maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 698 FICO > 680 Product minimum per guidelines. |
| 2199036 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 48.76 months of reserves in file, 0 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 45.05% CLTV per review; 90% CLTV maximum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 141 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS2854: Significant time in profession - Clayton Comments: 16 years employed in the XXX industry. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 mid-score per CBR; 740 FICO is minimum required per guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14.4 years employed with XXX | ||||||||||||||
| 2199056 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 695 qualifying score. Minimum 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $97,760.53 post closing reserves. $0 required CFCFS1744: DTI below guideline requirement - Clayton Comments: 18.4/32.61% DTI . Max 45% | ||||||||||||||
| 2199081 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.06% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 mortgage payments for 239 months reported on credit; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 8 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 770. Requirement 720 per guidelines. | ||||||||||||||
| 2199101 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 71.02 % is below maximum allowed 85% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 140 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $131,848.19 = 31.14 months of PITI reserves. 0 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 705 exceeds minimum required 680 | ||||||||||||||
| 2198937 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 205 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 707 mid-score per CBR; 700 FICO is minimum required per guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years at primary residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: 3.72 months of reserves in file; 0 months required per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 109 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 54.97%; guidelines allow 85%. | ||||||||||||||
| 2199121 | XXXXXX | TX | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying dti 40.99%. Max requirement allowed 50%. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates 55 months reviewed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 756. Requirement 700 for cltv max 80%. | ||||||||||||||
| 2198998 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 142 months of 0x30 mortgage history per CBR, 24 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 181 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 mid-score per CBR; 740 minimum required per guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: 6 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $106,718.93 post closing reserves. $0 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 42.70%. Maximum of 50% allowed per guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.33% LTV per review; 90% LTV is maximum allowed per guidelines. | ||||||||||||||
| 2199122 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have63 months mortgage payment history 0x30. 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 10.2 years living at primary residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7.8 years employed with the XXX CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 45.28%; guidelines allow up to 75% CLTV. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 20 years. | ||||||||||||||
| 2199009 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 5.6 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 183 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $114,548.56 or 21.82 months of reserves per proceeds from transaction. 0 reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 mid score > min required of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 79%; guidelines allow 90%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 15 years. | ||||||||||||||
| 2199002 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Right of Rescission | Satisfied | B | B | B | B | XXXX | Cannot determine if funding date is after rescission period | No | Right to Cancel was not located in the file. | 6.26.2026- Received ROR form dated 6/8 | 6.26.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 285 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 158 months of consumer credit history per CBR; 24 months required. CFCFS2854: Significant time in profession - Clayton Comments: 36 years in the XXX industry. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 17.23 months of reserves in file; 0 months required per guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: 24.4 years at primary residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25 years at present job CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 79.92% per review; 85% LTV is maximum allowed per guidelines. |
| 2199002 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Right of Rescission | Satisfied | D | A | D | A | XXXX | ROR - Missing or Incomplete Right of Rescission form | No | Right to Cancel was not located in the file. | 6.26.2026- Received ROR dated XXX | 6.26.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 285 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 158 months of consumer credit history per CBR; 24 months required. CFCFS2854: Significant time in profession - Clayton Comments: 36 years in the XXX industry. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 17.23 months of reserves in file; 0 months required per guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: 24.4 years at primary residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25 years at present job CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 79.92% per review; 85% LTV is maximum allowed per guidelines. |
| 2199014 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | XXXX | Verbal verification of employment missing | No | We are missing the VOE dated within 10 business days of closing for the borrowers qualifying employment with XXX. | 7.10.26 - Received VVOE dated 6/24/26. | 7.10.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post close assets total $119,510.52 or 47.90 months of reserves per cash back at closing. 0 reserves required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 166 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13 years at present job CFCFS1736: Significant time at current residence - Clayton Comments: 11 years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 mid score > min required of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 72%; guidelines allow 85%. CFCFS2854: Significant time in profession - Clayton Comments: B1 has 13.9 years in XXX. |
| 2199037 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $111,312.07 = 33.45 months of reserves in file; 0 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 787. Guideline 740. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer greater than 10 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 206 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.95% LTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 219 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. | ||||||||||||||
| 2199025 | XXXXXX | RI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 711 exceeds minimum required 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: 63.38% LTV per review; 65% LTV is maximum allowed per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 129 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $199,045.93 exceeds required of 3x3075.89 PITI= $9,227.67. | ||||||||||||||
| 2199092 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Satisfied | C | B | C | B | XXXX | XXX Equity - Affidavit of Fair Market Value not signed by lender | No | The lender signature is missing from the Affidavit of Fair Market Value. | 7/09/2026 Lender provide lender signed, XXX Equity - Affidavit of Fair Market Value of homestead property | 7/09/2026 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.10% DTI is below Max 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $155,159.29 post closing reserves. $0 required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 mid score. Minimum 700 for up to 80% CLTV. |
| 2199072 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Co-borrower has been in same profession for 13 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: 9 years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 78.24%; guidelines allow 90%. | ||||||||||||||
| 2199067 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliated Business Disclosure | 6/18/26 - Lender provided an explanation as to why an ABA was not required on this loan. | 6/18/26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B2 has been in the XXX profession for 24 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 qualifying credit score per CBR > min required of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.88% LTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30 consumer credit history since 8/2022 per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 6 years living at primary residence. |
| 2199110 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | XXXX | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 recission form as the form designated for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a "substantially similar notice". Clayton's view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the "substantially similar notice" argument. The majority of U. S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 263 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.82% LTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 807. Max cltv 90% with credit score requirement 740. CFCFS1739: Positive mortgage payment history - Clayton Comments: 146 months of 0x30 mortgage lates reflected on credit report. 24 months required. CFCFS2854: Significant time in profession - Clayton Comments: B1 has 11 years in the XXX profession. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5 years employed with XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $81,318.59 = 15.01 months of reserves; 0 months required |
| 2198897 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | Because this loan is a stand alone second mortgage, not paying off a prior 2nd, Form H8 should have been used. | 06.25.2026 - LOX, proof of delivery ,and correct version of NORTCs to all entitled to rescind to re-open rescission received. | 06.25.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 214 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 mid-score per CBR; 720 FICO is minimum required per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 216 months of 0x30 consumer credit history per CBR. 24 months required CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.73% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 32.65 months of reserves in file; 0 months required. |
| 2198897 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | N/A | C | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | XXXX | Missing updated valuation | No | Missing an updated valuation to support the original appraisal value in file; LCA score of 4.5 exceeds the 2.5 maximum allowed. | 6.22.2026- Received CDA | 6.22.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 214 months of 0x30 mortgage history per CBR; 24 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 mid-score per CBR; 720 FICO is minimum required per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 216 months of 0x30 consumer credit history per CBR. 24 months required CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.73% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 32.65 months of reserves in file; 0 months required. |
| 2199013 | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | XXXX | Missing verbal VOE required by guidelines | No | VVOE in file is not dated. VVOE dated within 10 business days of Note required. WVOE in file is dated 5/18/26. | 7.8.26 - Received copy of VVOE dated 6/18/26. | 7.8.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 194 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1736: Significant time at current residence - Clayton Comments: 13 years 5 months in home CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $38,097.61 post closing reserves. $0 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 58.87 CLTV. Max 85% CLTV per guidelines. |
| 2198923 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | There was no 2nd mortgage payoff, thus the new 2nd mortgage represents all new money, requiring an H8. | 06.22.2026 - Evidence of rescission re opened provided. | 06.22.2026 -Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 mid score > min required of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 32.96% is below guideline maximum 50%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have52 months mortgage payment history 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves per proceeds $70,387.36; required assets $0.00 |
| 2198981 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 years on job CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.68/39.22 % DTI. Max 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $17,279.72 post closing reserves. $0 required | ||||||||||||||
| 2199094 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Title | Satisfied | D | A | D | A | XXXX | Title incomplete | No | Schedule C of title reflects deed of trust 2017 executed by borrower and spouse for $XXX . Also reflects judgment $14,358.38. Both filed in XXX County. No documentation in file regarding removal of these items, or if they have been paid. Documentation is needed to complete title. | 7.1.26 - Received copy Final Title curing Deed of Trust and judgment issue. | 7.1.26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been at current job for 20.8 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.14% LTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: 10 years living at primary residence. CFCFS2860: Good credit history - Clayton Comments: 328 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates reported on credit report for 133 months; 24 months required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 12.7 months of reserves in file; 0 months required. |
| 2199006 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 18.42 months of reserves in file; 0 months required. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 21 years and 10 months. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 141 months of 0x30 consumer credit history per CBR. 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 58.33% LTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 763 exceeds the guideline program minimum of 740. | ||||||||||||||
| 2198966 | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 13+ years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.63% DTI < 50% product maximum per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 108 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 56.27% CLTV < 90% CLTV product maximum per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 FICO > 720 FICO product minimum per guidelines. CFCFS2854: Significant time in profession - Clayton Comments: 15 years employed in Skill Trades field. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 10.79 months of reserves in file; 0 months required. | ||||||||||||||
| 2194321 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 31yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 8yrs time at current residence | ||||||||||||||
| 2171505 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Title | Satisfied | D | A | D | A | XXXX | Missing Title | No | Missing Title Report | 4.8.2026 Client provided Title Property Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 10 years CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 7 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 89 months |
| 2171769 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 790 > is above guideline minimum credit score 760. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 58.39% is 31.61 points below the program guideline maximum 90%. | ||||||||||||||
| 2171770 | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 34 years on current job CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 65% | ||||||||||||||
| 2194408 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 52.37 is less than the max of 85. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 22+ years. | ||||||||||||||
| 2194298 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 15 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 9 years. | ||||||||||||||
| 2171491 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 36 years in same line of work/profession CFCFS5269: Minimal use of credit - Clayton Comments: 2.00% revolving credit utilization | ||||||||||||||
| 2171945 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 758 > is above guideline minimum credit score 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 65.58% is 14.42 points below the program guideline maximum 80%. | ||||||||||||||
| 2171443 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 31yrs time in profession CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x51 CFCFS1736: Significant time at current residence - Clayton Comments: 7yrs time at current residence | ||||||||||||||
| 2171423 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Insurance | Satisfied | D | A | D | A | XXXX | Missing Hazard Insurance | No | The file is missing a hazard declaration showing dwelling coverage | 4.6.2026 Client provided subject HOI policy effective 12.1.2025 - 2026 | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 34% |
| 2194494 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 4yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 8Yrs time at current residence | ||||||||||||||
| 2194565 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 13yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x39 | ||||||||||||||
| 2172214 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation Non-Borrower XXX received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated 4.2.26 was incomplete/missing pages.? If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/27/2026 Client provided Disclosure History reflecting Initial CD was also sent via XXX 04/02. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.31% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 19 years and 9 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 22 years and 6 months |
| 2172215 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | $100 Zero tolerance due to increase in Title Exam Fee ($100) on CD dated 2/4/2026 without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. COC 1/30/2026 included updated on discount fee, appraisal value, and LTV however, it does not validate the Title Exam Fee for $100. | 03/12/2026 Client provided COC 2/3 reflecting a UCC lien identified on the title property report summary requiring a curative Title and resulting in addition of Examination fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 15.32% is 64.68 points below the program guideline maximum 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x76 exceeds mortgage history guidelines. |
| 2194538 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years at current job | ||||||||||||||
| 2171824 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 04/01/2026 was not provided to the borrower within 3 days of the application date of 03/09/2026. | 5/1/26 Client provided HOCL dated 3/12/26. Condition satisfied | 5/1/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 60% |
| 2171824 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | MI Home Loan - Michigan Home Loan Toolkit is not timely | No | Michigan Home Loan Toolkit dated 04/01/2026 was not provided to the borrower within 3 days of the application date of 03/09/2026. | 5/1/26 Client provided MI Toolkit dated 3/12/26. Condition satisfied | 5/1/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 60% |
| 2171824 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | LE 04/01/2026 was not provided to the borrower within 3 days of the application date of 03/09/2026. Additionally, the Intent to Proceed Confirmation (pg 832) reflects the Initial LE was issued 03/12/2026 which is missing; only LE 04/01/2026 and LE 04/02/2026 were in file. | 5/1/26 Client provided initial LE 3/12/26. Disclosure was tested with no issues. Condition satisfied | 5/1/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 60% |
| 2194552 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 30 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 756 is 96 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 29.35% LTV below guideline requirements of 85.00% per program. | ||||||||||||||
| 2172244 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 70% | ||||||||||||||
| 2171661 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Homeowners Counseling Organizations List dated 3/13/2026 was not provided to the borrower within days of the application date of 3/7/2026 | 04/20/2026 Client provided missing List of homeowners counseling organizations dated 03/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 76.04% below guideline requirements 90.00%. |
| 2171661 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial Loan Estimate dated 3/13/2026 was not provided to the borrower within 3 days of the application date 3/7/2026 | 04/20/2026 Client provided missing Initial LE 3/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 76.04% below guideline requirements 90.00%. |
| 2171444 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 1.00% revolving credit utilization CFCFS1739: Positive mortgage payment history - Clayton Comments: 38 mos. mtg. history review with 0X30,60,90 days. Paid as agreed. | ||||||||||||||
| 2171735 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 8yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 8yrs time at current residence | ||||||||||||||
| 2194603 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 25yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 15yrs time in profession | ||||||||||||||
| 2171662 | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 68.74% max per guidelines is 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 5 years. | ||||||||||||||
| 2171971 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Mortgage/Deed in file is incomplete | No | Mortgage pages 20/21 signature page and notary page missing. | 4.20.2026 Client provided executed Mortgage with all applicable pages, notary etc. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.37 is less than the max of 90. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $1,747 per month. |
| 2171971 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Copy of Mortgage/Deed in file is incomplete | No | Mortgage pages 20/21 signature page and notary page missing. | 4.20.2026 Client provided executed Mortgage with all applicable pages, notary etc. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.37 is less than the max of 90. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $1,747 per month. |
| 2171815 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 21.73% CLTV below guideline requirements of 75% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 28 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2194390 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 82 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 17.61% CLTV below guideline requirements of 75% per program. | ||||||||||||||
| 2171663 | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 6 years. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 last 58 months payment paid on time. | ||||||||||||||
| 2171552 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counselling organizations is dated 3/24/2024, application date is 3/10/2026. List of homeowners counselling organizations is not within 3 business days of application. | 04/16/2026 Client provided missing List of homeowners counseling organizations dated 03/13. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: 1.00% revolving credit utilization CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7.4 years current job time |
| 2171552 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | LE:3/24/2026 was not provided to borrower within 3 business days of application date of 3/10/2026. | 04/16/2026 Client provided missing Initial LE 3/13. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: 1.00% revolving credit utilization CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7.4 years current job time |
| 2171931 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation Non-Borrower (XXX) received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated 03/23/2026 was incomplete/missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/28/2026 Client provided a closing disclosure history reflecting CD 3/23 was sent to both and signed on 3/23 & 3/24. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 23 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 71 months |
| 2171711 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 71 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.07% CLTV below guideline requirements of 75% per program. | ||||||||||||||
| 2171445 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 8.9 years current residence time CFCFS2854: Significant time in profession - Clayton Comments: 11 years in same line of work/profession CFCFS1739: Positive mortgage payment history - Clayton Comments: 0X30,60,90 days over 38 mos. review. | ||||||||||||||
| 2171446 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.53 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 71.73 is less than the max of 80. | ||||||||||||||
| 2172171 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 52 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 34.84% CLTV below guideline requirements of 85% per program. | ||||||||||||||
| 2171918 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has >19 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.44% below guideline requirement 45.00%. | ||||||||||||||
| 2171527 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 29 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. CFCFS2854: Significant time in profession - Clayton Comments: 25 years in same line of work/profession | ||||||||||||||
| 2171828 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 27 months CFCFS2854: Significant time in profession - Clayton Comments: Primary Borrower has been in the same line of work for 20 years CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 15 years | ||||||||||||||
| 2171891 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 73.05% below guideline requirements 85.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >10 years at current job. | ||||||||||||||
| 2171919 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Homeowners Counseling Organizations List dated 3/17/2026 was not provided to the borrower within days of the application date of 2/24/2026 | 4/22/26 Client provided HOCL dated 2/27/26. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 24.31% below guideline requirements 90.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence >15 years. |
| 2171919 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial Loan Estimate dated 3/2/2026 was not provided to the borrower within 3 days of the application date 2/24/2026 | 4/22/26 Client provided initial LE 2/27/26. Disclosure was tested with no issues. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 24.31% below guideline requirements 90.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence >15 years. |
| 2171919 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance $25.00. Increase Abstract Title Search. Change of Circumstance, or Post Close CD, LOX and a copy of refund check to borrower. | 5/1/26 Client provided LOE to borrower, PCD 4/30/26 with principal reduction of $25 as tolerance cure and evidence of $25 being deposited to borrower's account. Condition satisfied | 5/1/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 24.31% below guideline requirements 90.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence >15 years. |
| 2171786 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed for 21 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed for 32 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 77.27% max per guidelines is 85%. | ||||||||||||||
| 2194512 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 23 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 74.78% below guideline requirements 90.005. | ||||||||||||||
| 2194424 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 26yrs time in profession CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive rental income 0x29 | ||||||||||||||
| 2171607 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.38 DTI below guideline of 45. | ||||||||||||||
| 2172245 | XXXXXX | CO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.09 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 671 FICO exceeds guideline of 660. | ||||||||||||||
| 2194462 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document is missing in the file. | 06/25/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 05/23. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 18.37%is less than the max of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV of 72.68% is less than the max of 90%. |
| 2171568 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 34% | ||||||||||||||
| 2171712 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 40 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.16% DTI below guideline requirement of 45%. | ||||||||||||||
| 2194303 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Title | Satisfied | D | A | D | A | XXXX | Missing Title | No | Provide title. | 7.1.2026 Client provided subject Title Property Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.32 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.23 is less than the max of 90. |
| 2194389 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 42 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.95% DTI below guideline requirement of 45%. | ||||||||||||||
| 2194414 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 41 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.82% DTI below guideline requirement of 45%. | ||||||||||||||
| 2194323 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 4.00% revolving credit utilization CFCFS2854: Significant time in profession - Clayton Comments: 10 years in same line of work/profession CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $23,786 revolving/installment debt paid at close | ||||||||||||||
| 2194563 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.57% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 57.73% LTV below guideline requirements of 90.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 14 years and 11 months | ||||||||||||||
| 2194394 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 62 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.44% CLTV below guideline requirements of 90% per program. | ||||||||||||||
| 2194455 | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 27yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 25yrs time in profession | ||||||||||||||
| 2194297 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 9.00% revolving credit utilization CFCFS1739: Positive mortgage payment history - Clayton Comments: 28 mos. mtg. payment hist. 0X30,60,90 days. Paid as agreed. | ||||||||||||||
| 2172172 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 24.08% is below the requirement of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: The total CLTV is 48.10% which is below requirement of 75%. | ||||||||||||||
| 2194480 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.77% CLTV below guideline requirements of 85% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 27 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2194488 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 44.38 is less than the max of 80. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.28 is less than the max of 45. | ||||||||||||||
| 2171473 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x50 exceeds mortgage history guidelines. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit, 7% revolving credit utilization. | ||||||||||||||
| 2194527 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 19.87% below guideline requirements 80.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.19% below guideline requirement 45.00%. | ||||||||||||||
| 2172118 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.70 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 FICO exceeds guideline of 660. | ||||||||||||||
| 2172173 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Satisfied | C | A | C | A | XXXX | XXX Equity - XXX 12 - Day disclosure not signed by borrower/owners | No | Missing Initial Extensions of Credit Disclosure. Doc in file is dated 2/13/26 | 04/20/2026 Client provided missing Notice concerning extensions of credit dated 1/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 49.66% below guideline requirements 75.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 11 years. |
| 2172173 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | XXX Equity : Missing T.42 Title Endorsement. | 4/16/26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 49.66% below guideline requirements 75.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 11 years. |
| 2172173 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | XXX Equity : Missing T.42.1 Title Endorsement. | 4/16/26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 49.66% below guideline requirements 75.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 11 years. |
| 2171492 | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 03/06/2026, the Housing Counselors List was not issued until 03/13/2026. Greater than the required 3 days. | 4/17/26 Client provided HOCL dated 3/11/26. Condition is satisfied | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 67% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 19% |
| 2171492 | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 03/06/2026, the Initial LE was not issued until 03/12/2026. Greater than the required 3 days. | 4/17/26 Client provided initial LE dated 3/11/26. Disclosure was tested with no issues. Condition satisfied | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 67% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 19% |
| 2171447 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation Non-Borrower XXX received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated 4/9/26 was incomplete/missing pages.? If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/29/2026 Client provided Disclosure History reflecting Initial CD was also sent via XXX 04/09. Mail rule applies, making the earliest closing date XXX Actual closing date XXX. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 58.93% below guideline requirements 90.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 5 years. |
| 2171866 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have 8 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 25% | ||||||||||||||
| 2171664 | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 24% revolving credit utilization CFCFS2854: Significant time in profession - Clayton Comments: B1 has 30.6 years in same line of work/profession | ||||||||||||||
| 2172216 | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 77.51% LTV below guideline requirements of 85.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | ||||||||||||||
| 2194305 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | XXXX | Missing disclosure | No | Missing LE 06/01/2026. Intent to proceed confirmation (page. 529) LE 06/01/2026 was issued to borrower(s). | 06/30/2026 Client provided the missing Initial LE 6/1. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer since 1/1/2021. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 757 is 57 points above the minimum required score of 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.55% CLTV is 5.45% below the maximum allowable CLTV of 85%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.43% DTI is below the maximum allowed DTI of 45%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned the subject property for 5 years. |
| 2194305 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Credit | Title | Satisfied | D | A | D | A | XXXX | Title incomplete | No | Client guidelines require property tax information to be verified. Property report provided in the file does not show the property tax amount. | 6.30.2026 Client provided copy of tax sheet supporting monthly taxes | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer since 1/1/2021. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 757 is 57 points above the minimum required score of 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.55% CLTV is 5.45% below the maximum allowable CLTV of 85%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.43% DTI is below the maximum allowed DTI of 45%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned the subject property for 5 years. |
| 2194369 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 66 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.65% CLTV below guideline requirements of 80% per program. | ||||||||||||||
| 2194385 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 17 years and 3 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 56.31% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 740 is 80 points above program guideline minimum of 660. | ||||||||||||||
| 2194371 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 30 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 56.29% CLTV below guideline requirements of 80% per program. | ||||||||||||||
| 2171493 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 38% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 7 years at current residence | ||||||||||||||
| 2171448 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 76.28% below guideline requirements 90.00% | ||||||||||||||
| 2171569 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 29 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 30% | ||||||||||||||
| 2171532 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 10 years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit, 15% revolving credit utilization. | ||||||||||||||
| 2172119 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 2.00% revolving credit utilization CFCFS2860: Good credit history - Clayton Comments: deep credit file with all accts paid as agreed. 0X30,60,90 days. No BK, collections, judgements. | ||||||||||||||
| 2171449 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.80% CLTV below guideline requirements of 80% per program. | ||||||||||||||
| 2194496 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 7yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 7yrs time at current residence | ||||||||||||||
| 2171867 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Title | Satisfied | D | A | D | A | XXXX | Missing Title | No | Missing Title Report | 4.17.2026 Client provided Title Property Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 35yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 4yrs time at current residence |
| 2194387 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Need evidence of change of circumstances letter for Ten Percent tolerance, Recording Fees increase, or a copy of a refund check in the amount of $632. | 06/08/2026 Client provided duplicates of COC 5/20 & 5/22 in file reflecting Mortgage recording increase from $110. to 660. And the later $660. to $753. Condition remains. 05/15 Initial disclosure $110.00. CD 05/20-1 increased to 720.00 however the COC reflects $660.00, and then, the Final CD 5/26 reflects $753.00 the COC reflects $693.00. Condition remains as figures on Disclosures to not reflect the same as the COCs in the file. Borrower is due a $632.00 refund. Provide PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 06/15/2026 Client provided a Collaborate comment: Per Compliance reviewer: Please verify that Clayton is reviewing the loan as a second lien and is not including the $753 bona fide points. **The Ten Percent tolerance does not include any Points related fees. Figures on Disclosures to not reflect the same as the COCs in the file. Borrower is due a $632.00 refund. Provide PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking.06/17/2026 Client provided a timeline of the recording fee also included that the $660.00 fee was shown as Transfer taxes and should have been recordation Mortgage tax and should have been placed in the recording fee section making $770.00 the totla fee and did m=not exceed this amount through to closing. . | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 15 years and 5 months CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.78% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 14 years and 11 months |
| 2171608 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.70% CLTV below guideline requirements of 80% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 27 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2194491 | XXXXXX | IA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x41 CFCFS1736: Significant time at current residence - Clayton Comments: 8yrs time at current residence | ||||||||||||||
| 2194383 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 6yrs time in profession CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history0x53 | ||||||||||||||
| 2171469 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.91% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 742 is 82 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.16% DTI is below guideline requirement of 45.00%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job; 5 years and 7 months. | ||||||||||||||
| 2171570 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.13% LTV below guideline requirements of 80.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history exceeds guidelines; 11 years and 4 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.47% DTI is below guideline requirement of 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 721 is 61 points above program guideline minimum of 660. | ||||||||||||||
| 2171771 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: CO-Borrower has been in the same line of work for 25 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 57 months | ||||||||||||||
| 2194337 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 46.47 is less than the max of 85. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.50 is less than the max of 50. | ||||||||||||||
| 2171972 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Insurance | Satisfied | C | A | C | A | XXXX | Insurance Effective date is greater than the transaction date | No | Insurance effective date of 4/3/2026 is greater than the transaction date of XXX. | 4.8.2026 Client provided prior HOI policy from 4.3.2025 - 2026 | Condition satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 FICO exceeds guideline of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x51 mortgage payment history exceeds guideline of 0x30x12. |
| 2172145 | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 21.95% CLTV below guideline requirements of 85% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 80 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171736 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 5.00% revolving credit utilization CFCFS1739: Positive mortgage payment history - Clayton Comments: 47 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. | ||||||||||||||
| 2171842 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 10 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 20 years at current job | ||||||||||||||
| 2171892 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 13.95 is less than the max of 80. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 43.37 is less than the max of 50. | ||||||||||||||
| 2171513 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | The test APR is 9.339%, the benchmark APR is 5.70% resulting in a difference of 3.639%, max difference allowed is 3.500%. | 04/10/2026 Client provided screen print of lock details reflecting Undiscounted rate of 10.125% and lock date of 2/21 supported by COC in file. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 18 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 25 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.47% CLTV below guideline requirements of 75% per program. |
| 2171513 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | XXX- 04/06/2026- Client provided an approved exception for missing T.42 Title Endorsement. | XXX- 04/06/2026- Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 18 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 25 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.47% CLTV below guideline requirements of 75% per program. |
| 2171513 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | XXX- 04/06/2026- Client provided an approved exception for missing T.42.1 Title Endorsement. | XXX- 04/06/2026- Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 18 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 25 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.47% CLTV below guideline requirements of 75% per program. |
| 2171868 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.82% LTV below guideline requirements of 90.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 777 is 117 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.92% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 11 months. | ||||||||||||||
| 2172120 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 27% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has history of bonus income not used to qualify | ||||||||||||||
| 2171926 | XXXXXX | MA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 47.03 DTI below guideline of 50. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 719 FICO exceeds guideline of 700. | ||||||||||||||
| 2194597 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 4YRS time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 21yrs time in profession | ||||||||||||||
| 2171533 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation non-borrowing spouse (XXX) received an accurate CD (4/7/2026) 3 business days prior to closing (XXX). If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/27/2026 Client provided Disclosure History reflecting Initial CD was also sent via XXX 04/07. Mail rule applies, making the earliest closing date XXX Actual closing date XXX | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 39 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.64% CLTV below guideline requirements of 80% per program. |
| 2171539 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 30+ years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 43.83 is less than the max of 75. | ||||||||||||||
| 2172174 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 69.87% below guideline requirements 80.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 19 years at current job | ||||||||||||||
| 2171450 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 21yrs time in profession | ||||||||||||||
| 2194559 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation for debt with XXX $100.00 monthly payment and $2,987.00 balance disclosed on the application. This debt is not on the credit report. | 6/19 Client provided credit supp showing XXXX paid as agreed | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 741 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.31 DTI below guideline of 45. |
| 2172146 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 16.46% below guideline requirements 90.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 26 years. | ||||||||||||||
| 2171924 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | XXXX | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Missing Cert of Compliance and Cert of Exemption in file. | 04/10/2026 Client provided missing Illinois Anti Predatory Certificate of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| 2194502 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 34 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Significant time in profession, 38 years. | ||||||||||||||
| 2194398 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14.7 years current job time CFCFS2854: Significant time in profession - Clayton Comments: CB has 15.6 years in same line of work/profession CFCFS5269: Minimal use of credit - Clayton Comments: 25% revolving credit utilization | ||||||||||||||
| 2171644 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% CLTV below guideline requirements of 90% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 40 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2172147 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.87 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 41.70 is less than the max of 90. | ||||||||||||||
| 2171816 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 28 yrs time in profession. CFCFS1736: Significant time at current residence - Clayton Comments: 27 yrs time at current residence. | ||||||||||||||
| 2194521 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $1,177.52 monthly taxes for the subject property. Taxes are not escrowed. | 7.1.2026 Client provided Smart Fees sheet verifying monthly taxes used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.65 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 FICO exceeds guideline of 660. |
| 2194539 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 19yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 27yrs time in profession | ||||||||||||||
| 2172013 | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has >31 years at current profession. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.44% below guideline requirement 45.00% | ||||||||||||||
| 2194507 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LYV is 49% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | ||||||||||||||
| 2172121 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.82 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 FICO exceeds guideline of 660. | ||||||||||||||
| 2171851 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total CLTV is 46.19% below guideline 90%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 10 years at current job. | ||||||||||||||
| 2194489 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 25yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 26yrs time in profession | ||||||||||||||
| 2172122 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Initial CD not acknowledged by NBS. Provide documentation non-borrowing spouse received an accurate CD 3 days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/14/2026 Client provided Disclosure History reflecting Initial CD was also sent to both via XXX 03/25. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.08 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.04 is less than the max of 75. |
| 2172217 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 5.00% revolving credit utilization CFCFS1736: Significant time at current residence - Clayton Comments: 22 years current residence time | ||||||||||||||
| 2171693 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 29 years at current residence | ||||||||||||||
| 2172175 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 12% revolving credit utilization CFCFS1736: Significant time at current residence - Clayton Comments: 10.1 years current residence time | ||||||||||||||
| 2171807 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.46% is less than the max of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 25.64% is less than the max of 90%. | ||||||||||||||
| 2172014 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years | ||||||||||||||
| 2194498 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | (No Data) | ||||||||||||||
| 2171665 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 63.47% is 11.53 points below the program guideline maximum 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 46 years. | ||||||||||||||
| 2171451 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25.43 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.35 is less than the max of 85. | ||||||||||||||
| 2194446 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 7 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 9 months | ||||||||||||||
| 2171829 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Missing Mortgage | No | The Mortgage is missing in the file. | 04/07/2026- Client provided mortgage. | 04/08/2026- Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.98% below guideline requirement 45.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 64.58% below guideline requirements 90.00% |
| 2171817 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation for debt with XXX $267.00 monthly payment and $6,750.00 balance disclosed on the application. This debt is not on the credit report. | 4.13.2026 Client provided UDM verifying monthly payment of $267 for new debt w/XXX and balance of $6,750 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 673 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.45 DTI below guideline of 45. |
| 2171817 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that the XXX HELOC has been closed to future draws. The property report shows the account is open ended. | 4.13.2026 Client provided executed by Borrower requested closure of HELOC w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 673 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.45 DTI below guideline of 45. |
| 2172015 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation Non-Borrower XXX received an accurate CD 3 business days prior to closing.XXX Electronic Evidence provided dated 04/07/2026 was incomplete/missing pages.? If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/29/2026 Client provided Disclosure History reflecting Initial CD was also sent via XXX 04/07. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.03% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 9 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years and 1 month |
| 2171940 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 10 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 11 years. | ||||||||||||||
| 2171941 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $93.88 due to Discount Fee increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 4/22/26 Client provided COC dated 3/25/26 indicating loan amount increase with updated Discount Points. Condition remains as COC is dated 3/25/26 and updated fee were disclosed to borrower on 4/2/26 ( not within 3 days of findings ). Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund 93.88 and proof of delivery via shipping that includes tracking information.04/29+/2026 Client provided COC 4/1 reflecting loan amount increase resulting in increase of the dollar amount of points Per CD, Percentage stayed the same. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18.8 years current job time CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $73,497 revolving/installment debt paid at close |
| 2194574 | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 33yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x49 | ||||||||||||||
| 2171772 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 13yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x26 | ||||||||||||||
| 2194535 | XXXXXX | KS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 8 years in same line of work/profession CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $42,373 installment debt paid at close | ||||||||||||||
| 2171973 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | The list of homeowners counseling organizations is dated 02/21/2026 was not provided to the borrower within 3 business days of application date of 02/11/2026. | 04/07/2026 Client provided missing List of homeowners counseling organizations dated 02/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Employed since 6/18/2012. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 61.53 is less than the max of 75. |
| 2171973 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | LE dated 02/21/2026 was not provided to the borrower within 3 business days of application date of 02/11/2026. | 04/07/2026 Client provided missing Initial LE 2/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Employed since 6/18/2012. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 61.53 is less than the max of 75. |
| 2194449 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Potential Misrepresentation | Satisfied | C | A | C | A | XXXX | Potential misrepresentation of borrower's property ownership history | No | Missing explanation for the address showing on the borrower's driver license and the homeowners insurance policy (XXX) which is different from the subject property address (XXX). | 6/24 Client provided XXX search for address variation | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.86 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 FICO exceeds guideline of 660. |
| 2172246 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 20.02 is less than the max of 80. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.89 is less than the max of 45. | ||||||||||||||
| 2171494 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.53% CLTV below guideline requirements of 75% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 78 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2172016 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 19.7 years in same line of work/profession CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11.7 years current job time CFCFS5269: Minimal use of credit - Clayton Comments: 1.00% revolving credit utilization | ||||||||||||||
| 2172247 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.88% LTV below guideline requirements of 75.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 8 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | ||||||||||||||
| 2172218 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.78 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.78 is less than the max of 90. | ||||||||||||||
| 2172017 | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA; Home Mortgage Information Document | 4/17/26 Client provided Home Mortgage Information Document | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x69 mortgage payment history exceeds guideline of 0x30x12. CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at current residence. |
| 2172018 | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document is missing in the file. | 04/28/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 03/20. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 33% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: The borrower has no late payments on the mortgage history |
| 2171830 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 26.2 years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit, 18% revolving credit utilization. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 13.1 years. | ||||||||||||||
| 2171808 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.18%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 763 is above the minimum of 760 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 30.09%; guidelines allow 90% | ||||||||||||||
| 2171694 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 14.6 years current job time CFCFS5269: Minimal use of credit - Clayton Comments: 6.00% revolving credit utilization CFCFS2854: Significant time in profession - Clayton Comments: B1 has 10 years in same line of work/profession | ||||||||||||||
| 2172019 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document. | 4/17/26 Client provided Home Mortgage Information Document. Condition satisfied | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70.68% below guideline requirements 85.00% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 23.46% below guideline requirement 45.00%. |
| 2171553 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.50 is less than the max of 80. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.47 is less than the max of 50. | ||||||||||||||
| 2194379 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 58 mos. mtg. payment history. 0X30,60,90 days. Paid as agreed CFCFS5269: Minimal use of credit - Clayton Comments: 7.00% revolving credit utilization | ||||||||||||||
| 2171737 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 60.04% below guideline requirements 85.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 10 years. | ||||||||||||||
| 2172219 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | XXX- 04/07/2026- Client provided an approved exception for missing T.42 Title Endorsement | XXX- 04/07/2026- Initial and Final Grade B- change date to today | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower has been in the same line of work for 14 years CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 9 years |
| 2172219 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | XXX- 04/07/2026- Client provided an approved exception for missing T.42.1 Title Endorsement | XXX- 04/07/2026- Initial and Final Grade B- change date to today | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower has been in the same line of work for 14 years CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 9 years |
| 2171773 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $100 due to Title Title Examination Fee increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 4/17/26 Client provided COC dated 3/31/26 with valid reasons as to why Title Exam was needed. Condition satisfied to 1/A | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 30 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 67.40% below guideline requirements 75.00%. |
| 2171452 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.73 is less than the max of 80. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.18 is less than the max of 45. | ||||||||||||||
| 2194610 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.13 is less than the max of 45. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 10 years. | ||||||||||||||
| 2171818 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.10 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 73.18 is less than the max of 80. | ||||||||||||||
| 2194503 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 18% revolving credit utilization CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $34,994 revolving/installment debt paid at close CFCFS1739: Positive mortgage payment history - Clayton Comments: 24 mos. verified mtg. payment history. 0X30,60,90 days. Paid as agreed. | ||||||||||||||
| 2194327 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing proof that HELOC has been paid and closed to future draws | No | Missing Payoff & Close Transmittal letter for XXX HELOC paid at close $30,211.75 | 6.30.2026 Client provided subject HOI policy however initial condition is for missing executed request by Borrowers requesting closure of HELOC that was paid off at closing, requesting HELOC Lender to close out the HELOC. Condition remains 6.30.2026 Client provided executed by borrower requesting payoff/closure of this account w/HELOC Lender | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19.10 years current job time CFCFS1736: Significant time at current residence - Clayton Comments: 14.11 years current residence time CFCFS2854: Significant time in profession - Clayton Comments: CB has 20 years in same line of work/profession |
| 2194546 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Compliance Manual | Satisfied | D | A | D | A | XXXX | Missing disclosure | No | Missing LE dated 05/06/2026 per the Intent to Proceed Confirmation | 06/29/2026 Client provided the missing Initial LE 5/6. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 77.07 is less than the max of 90. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 10+ years. |
| 2194546 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 05/03/2026, the Housing Counselors List was not issued until 05/18/2026. Greater than the required 3 days. | 06/29/2026 Client provided missing List of homeowners counseling organizations dated 5/6. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 77.07 is less than the max of 90. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 10+ years. |
| 2194546 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 77.07 is less than the max of 90. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 10+ years. |
| 2194546 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 77.07 is less than the max of 90. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 10+ years. |
| 2171695 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.07 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 FICO exceeds guideline of 680. | ||||||||||||||
| 2194423 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.91% LTV below guideline requirements of 85.00% per program. | ||||||||||||||
| 2171453 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 11yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 5yrs time at current residence | ||||||||||||||
| 2172176 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 13 years CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 5 years | ||||||||||||||
| 2171869 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 10 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 6 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.07% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.22% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 735 is 75 points above program guideline minimum of 660. | ||||||||||||||
| 2171454 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 22 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 19 years and 6 months | ||||||||||||||
| 2171645 | XXXXXX | CO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >14 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 5 years. | ||||||||||||||
| 2194519 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 40.30 is less than the max of 80. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 28 years. | ||||||||||||||
| 2171554 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not compliant | No | List of homeowners counseling organizations is missing in the file. | 04/01/2026 Client provided missing List of homeowners counseling organizations dated 02/05. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 16yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x37mos |
| 2171554 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | Final CD 03/19/2026 - disbursement date on XXX , ROR form in file signed on XXX with end of recession on XXX , condition pending receiving Post CD with updated disbursement date, LOX and proof of delivery to borrower.Provide Post Closing CD with correct ROR date. | 04/03/2026 Client provided Funding CD 4/2. Condition remains for the Final Alta confirming Disbursement Date. 04/07/2026 Client provided match Final ALTA. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 16yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x37mos |
| 2172220 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 12% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 27 years at current residence | ||||||||||||||
| 2171974 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Employed since 3/15/2004. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 10 years. | ||||||||||||||
| 2194555 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 43.06% CLTV below guideline requirements of 90% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 30 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171576 | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.18 DTI below guideline of 45. | ||||||||||||||
| 2194425 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 7 years at current residence | ||||||||||||||
| 2172020 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 18 years at current residence | ||||||||||||||
| 2172177 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 23 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 28.10% below guideline requirement 45.00% | ||||||||||||||
| 2171646 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV of 60.21% is less than the max of 85%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.14% is less than the max of 50%. | ||||||||||||||
| 2194296 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 5yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence | ||||||||||||||
| 2171455 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Homeowners Counseling Organizations List dated 3/18/2026 was not provided to the borrower within days of the application date of 3/10/2026 | 04/28/2026 Client provided missing List of homeowners counseling organizations dated 03/13. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 26% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 66% |
| 2171455 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial Loan Estimate dated 3/18/2026 was not provided to the borrower within 3 days of the application date 3/10/2026 | 04/28/2026 Client provided the Initial disclosures including LE 3/13. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 26% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 66% |
| 2171456 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 41.26 is less than the max of 90. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.66 is less than the max of 45. | ||||||||||||||
| 2171571 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 25 years current residence time CFCFS5269: Minimal use of credit - Clayton Comments: 11.00% revolving credit utilization CFCFS2854: Significant time in profession - Clayton Comments: B1 has 30 years in same line of work/profession | ||||||||||||||
| 2171534 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing Ack. of receipt of Home Mortgage Information Document. | 04/28/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 03/24. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 36% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 55% |
| 2172221 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 25 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 62% | ||||||||||||||
| 2172222 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 700 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.41 DTI below guideline of 45. | ||||||||||||||
| 2194459 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document | 06/19/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 05/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: 80 mos. mtg. payment hist. 0X30,60,90 days. Paid as agreed. CFCFS1736: Significant time at current residence - Clayton Comments: 7 years current residence time |
| 2171774 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 14 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 FICO exceeds guideline of 760. | ||||||||||||||
| 2172223 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 13 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 55.70% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.15% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2172148 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 56% | ||||||||||||||
| 2171775 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 17.3 years in same line of work/profession CFCFS1736: Significant time at current residence - Clayton Comments: 12.8 years current residence time | ||||||||||||||
| 2194290 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 45.25% CLTV below guideline requirements of 75% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 57 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171975 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 13yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 35yrs time in profession | ||||||||||||||
| 2171555 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 66.85% below guideline requirements 85.00% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 25.97% below guideline requirement 45.00%. | ||||||||||||||
| 2171577 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 771 is 71 points above program guideline minimum of 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 8 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.45% LTV below guideline requirements of 85.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years | ||||||||||||||
| 2194417 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | XXXX | Missing disclosure | No | Missing LE:5/25/2026. | 06/24/2026 Client provided an audit trail for LE 5/25. Condition remains for a copy of the 5/25 LE. 06/26/2026 Client provided the missing LE 5/25. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 14 years at current job |
| 2194437 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.40 DTI below guideline of 45. | ||||||||||||||
| 2194557 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 21 years and 7 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 33.67% LTV below guideline requirements of 85.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 14 years and 11 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.76% DTI is below guideline requirement of 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 757 is 97 points above program guideline minimum of 660. | ||||||||||||||
| 2171927 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 12 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 47% | ||||||||||||||
| 2171609 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16 years current job time CFCFS1736: Significant time at current residence - Clayton Comments: 19 years current residence time | ||||||||||||||
| 2171572 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.78 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.73 is less than the max of 90. | ||||||||||||||
| 2171696 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 36yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 12yrs time at current residence | ||||||||||||||
| 2171610 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 6 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 751 > is above guideline minimum credit score 720. | ||||||||||||||
| 2194533 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 44.08 is less than the max of 85. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.77 is less than the max of 50. | ||||||||||||||
| 2172021 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 39.90% below guideline requirements 80.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 10 years. | ||||||||||||||
| 2194575 | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 35 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 43% | ||||||||||||||
| 2194311 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.10% LTV below guideline requirements of 75.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | ||||||||||||||
| 2134945 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 22 years and 11 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 13 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.05% LTV below guideline requirements of 75.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.08% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2171893 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 23.5% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | ||||||||||||||
| 2172022 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 27 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 57.65% CLTV below guideline requirements of 75% per program. | ||||||||||||||
| 2171855 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 41.30% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.23% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2171776 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 28 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 62% | ||||||||||||||
| 2134947 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at employer for over 12 years CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: borrower does not have any major mortgage related occurrences during the past two years. 0x30 CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for over 31 years | ||||||||||||||
| 2171457 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 7 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 33 years. | ||||||||||||||
| 2194406 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 802 is 142 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.17% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.43% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 19 years and 4 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 14 years and 7 months | ||||||||||||||
| 2171495 | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 30 years CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 12 years | ||||||||||||||
| 2171870 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.23 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 FICO exceeds guideline of 660. | ||||||||||||||
| 2194393 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Property Valuations | Property | Waived | C | B | C | B | XXXX | Acreage exceeds property eligibility guidelines | No | 10.08 acres > max allowable per guidelines of 10.00 | 6.30.2026 Client provided exception approval to allow for 10.08 acres exceeding guidelines maximum of 10.00 acres | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: over 7 years at current residence, CLTV 60.44% and fico score 749 | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: 75 mos. mtg. payment history. 0X30,60,90 days. Paid as agreed. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $14,459 revolving debt paid at close |
| 2194391 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 12+ years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 58.25 is less than the max of 80. | ||||||||||||||
| 2171713 | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 6 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 67 months | ||||||||||||||
| 2171843 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Insurance | Satisfied | C | A | C | A | XXXX | Insurance Expiration date is prior than the transaction date | No | Current HOI policy in file, has an expiration date within 30 days of Note date. Please provide an updated HOI policy with an extended expiration date. | 4.23.2026 Client provided updated subject HOI policy effective 4.1.2026 - 2027 | Condition satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.11% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.60% LTV below guideline requirements of 90.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 37 years and 1 month CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ month |
| 2171458 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Homeowners Counseling Organizations dated 03/11/2026 was not provided to the borrower within 3 days of the application date of 02/24/2026. | 04/10/2026 Client provided missing List of homeowners counseling organizations dated 02/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 12 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.28% max per guidelines is 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 60.65 max per guidelines is 90%. |
| 2171458 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial LE dated 03/11/2026 was not provided to the borrower within 3 days of the application date of 02/24/2026. | 04/10/2026 Client provided missing Initial LE 2/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 12 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.28% max per guidelines is 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 60.65 max per guidelines is 90%. |
| 2171928 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 21 years and 7 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.39% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 12 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 53.40% LTV below guideline requirements of 80.00% per program. | ||||||||||||||
| 2194567 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 7yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 22yrs time in profession | ||||||||||||||
| 2171871 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 12 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.91% below guideline requirement 45.00%. | ||||||||||||||
| 2171894 | XXXXXX | VT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.04% max per guidelines is 45%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 76.38% max per guidelines is 85%. | ||||||||||||||
| 2194413 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 5yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 23yrs time in profession | ||||||||||||||
| 2194473 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 13 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 5 years. | ||||||||||||||
| 2172023 | XXXXXX | VT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $5,084.05, max allowed is $4,139; $945.05 too high). | 4.24.2026 Client provided LOX stating, We agree with the finding and have updated our system of record accordingly. Non QM | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 684 exceeds the 660 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.54 is less than the max of 75. |
| 2194569 | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x30 since origination in 12/2020. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.50% is less than the max of 45%. | ||||||||||||||
| 2171912 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 32% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 37% | ||||||||||||||
| 2171777 | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 49.36% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 10 years and 10 months | ||||||||||||||
| 2194364 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 26 years and 11 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 31.26% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 801 is 101 points above program guideline minimum of 700. | ||||||||||||||
| 2171573 | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x59mo CFCFS1736: Significant time at current residence - Clayton Comments: 18yrs time at current residence | ||||||||||||||
| 2171459 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 4/22/26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 72.65% is 7.35 points below the program guideline maximum 80%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit, 12% revolving credit utilization. |
| 2171459 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 4.22.26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 72.65% is 7.35 points below the program guideline maximum 80%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit, 12% revolving credit utilization. |
| 2171714 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 53.99 is less than the max of 75. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.25 is less than the max of 45. | ||||||||||||||
| 2194513 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 50.85 is less than the max of 80. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.33 is less than the max of 45. | ||||||||||||||
| 2172179 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 781 > is above guideline minimum credit score 760. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 34 years at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.26% is below lender's guide line maximum of 45%. | ||||||||||||||
| 2194516 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70 is less than the max of 90. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 since origination in 7/2017. | ||||||||||||||
| 2171507 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 8 years CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.97% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.16% LTV below guideline requirements of 80.00% per program. | ||||||||||||||
| 2171726 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 770 is 70 points above program guideline minimum of 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 22 years and 6 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 7 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 76.57% LTV below guideline requirements of 90.00% per program. | ||||||||||||||
| 2171535 | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 58.86 is less than the max of 75. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 22.08 is less than the max of 45. | ||||||||||||||
| 2172080 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 5 yrs time at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 8 yrs time in profession. | ||||||||||||||
| 2172123 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.20 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 50.16 is less than the max of 85 | ||||||||||||||
| 2171556 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 7yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 20yrs time in profession | ||||||||||||||
| 2171872 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.81% below guideline requirement 45.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been owning the property > 4 years. | ||||||||||||||
| 2172124 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 2yrs time at current residence. CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x46mos. | ||||||||||||||
| 2171541 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $11.25 due to Title - Title Endorsement Fee (2) $11.25 split fee ( Title Endorsement fee $75)increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 5/1/26 Client provided LOE to borrower, PCD 4/30/26 with lender's cure of $25 as a principal reduction, a snip of borrower's account as evidence of $25 being deposited. PCD was tested with no issue, condition satisifed | 5/1/26 Condition satisfied | (No Data) | Not Applicable | (No Data) |
| 2171460 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 19% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 68% | ||||||||||||||
| 2171738 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.40% LTV below guideline requirements of 85.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 767 is 67 points above program guideline minimum of 700. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 12 years | ||||||||||||||
| 2194286 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.47% CLTV is 16.53% below the maximum allowable CLTV of 85%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.73% DTI is below the maximum allowed DTI of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 748 is 88 points above the minimum required score of 660. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned the subject property for 5 years. | ||||||||||||||
| 2172224 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | N/A | N/A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Missing Mortgage | No | Missing Mortgage | 4.6.2026 Client provided executed subject Mortgage with all applicable pages and executed PUD Rider | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 61.60 is less than the max of 75. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.67 is less than the max of 45. |
| 2172224 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | N/A | N/A | D | A | Credit | Title | Satisfied | C | A | C | A | XXXX | Title Does Not Agree With Mortgage | No | Provide copy of mortgage to confirm. | 4.6.2026 Client provided executed subject Mortgage with all applicable pages and executed PUD Rider, vesting agree | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 61.60 is less than the max of 75. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.67 is less than the max of 45. |
| 2171461 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x50 mortgage payment history exceeds guideline of 0x30x12. CFCFS1736: Significant time at current residence - Clayton Comments: 22 years at current residence. | ||||||||||||||
| 2194333 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 44.98% LTV below guideline requirements of 90.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 21 years and 6 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 20.89% DTI is below guideline requirement of 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 795 is 135 points above program guideline minimum of 660. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 21 years and 2 months | ||||||||||||||
| 2194591 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 15% | ||||||||||||||
| 2172180 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 66.37 is less than the max of 90. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.69 is less than the max of 45. | ||||||||||||||
| 2171578 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.90 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63 is less than the max of 90. | ||||||||||||||
| 2194403 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | SC Home Loans -Broker 'Amounts Earned' Disclosure not in file | No | SC Home Loans -Broker 'Amounts Earned' Disclosure is missing in the file. | 06/19/2026 Client provided the SC Compensation Agreement Disclosure 5/13. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: CB has 10 years in same line of work/profession |
| 2194403 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | SC Home Loans - Designated Agency Disclosure not in file | No | SC Home Loans - Designated Agency Disclosure is missing in the file. | 06/19/2026 Client provided the SC Designated Agency Disclosure 5/13. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: CB has 10 years in same line of work/profession |
| 2194514 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 7 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 8 years at current residence | ||||||||||||||
| 2171462 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | The test APR is 9.526%, the benchmark APR is 5.850% resulting in a difference of 3.676%, max difference allowed is 3.50% | 4.23.2026 Client provided LOX in Collaborate agreeing with Non QM status determination | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.82% CLTV below guideline requirements of 75% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 62 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2172181 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 15yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 8yrs time at current residence | ||||||||||||||
| 2171463 | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 39 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11 years current job time CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $22,700 in revolving debt paid at closing | ||||||||||||||
| 2194536 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 29 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.77% CLTV below guideline requirements of 80% per program. | ||||||||||||||
| 2171929 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Potential Misrepresentation | Satisfied | C | A | C | A | XXXX | Potential misrepresentation of borrower's property ownership history | No | Missing documentation for the address of XXX showing as possible additional property owned on the Drive report. | 4.7.2026 Client provided updated 1003/1008 adding additional REO that was reflected on XXX report:XXX and provided updated income worksheet along with 2024/2023 1040 Transcripts reflecting no record of filing taxes to allow for grossing up SSI income for both borrowers by 125% with updated DTI of 39.23% with considering verified taxes for this property $339.83 and adding to REO of 1003; condition remains for copy of property profile to support this property being free and clear of liens which would further support not having any HOI for this property. 4.13.2026 Client provided XXX for this property: XXX however dont support if being free and clear of liens. Condition remains, need to verify this property is free and clear of liens with no monthly HOI, also the XXX previously provided reflect tax assessment of $4,078 which is being used as monthly taxes of $339.75 however is not the actual taxes, this is the tax assessment. Missing evidence this property is free and clear of liens and having no monthly HOI. 4.28.2026 Client provided LOX stating, I have provided everything that is needed on this property. No liens on clear report which we use daily for properties, no loan reflected on Fraud report and no loan reflected on credit. This is sufficient to document free and clear. The XXX matches the tax assessment on the clear report for the taxes used. There is no HOI. Response, accepting Fraud report with having no lien and using taxes of $339.75 in DTI. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 685 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.61 DTI below guideline of 45. |
| 2172225 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $300.00 monthly HOA dues for the subject property showing on the 1008. | 4.8.2026 Client provided copy of 1st pg of an appraisal from Year 2021 reflect not in PUD and no monthly HOA and provided updated 1008 removing $300 mo HOA, appraisal provided was from purchase transaction in Year 2021 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 FICO exceeds guideline of 740. CFCFS1744: DTI below guideline requirement - Clayton Comments: 20.32 DTI below guideline of 45. |
| 2194432 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has 12 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 30% | ||||||||||||||
| 2172081 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 5 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 18 years at current job | ||||||||||||||
| 2171800 | XXXXXX | SD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 23% revolving credit utilization CFCFS1734: Borrower has significant time at current job - Clayton Comments: borrower has 7.3 years current job time (2nd. job) | ||||||||||||||
| 2194562 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 65% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 33% | ||||||||||||||
| 2172082 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years and 7 months | ||||||||||||||
| 2194310 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counselling organizations is dated 5/14/2026, application date is 4/27/2026. List of homeowners counselling organizations is not within 3 business days of application. | 06/22/2026 Client provided the Initial Disclosures including the missing List of homeowners counseling organizations dated 4/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 27 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 30% |
| 2194310 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial LE is dated 5/14/2026, application date is 4/27/2026. Initial LE is not within 3 business days of application. | 06/22/2026 Client provided the Initial Disclosures including the missing Initial LE 4/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 27 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 30% |
| 2171574 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 36yrs in profession CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x28mo | ||||||||||||||
| 2194531 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Insurance | Satisfied | C | A | C | A | XXXX | Insurance Effective date is greater than the transaction date | No | Insurance effective date of 6/29/2026 is greater than the transaction date of XXX | 6/26 Client provided insurance for prior term | Satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.95 DTI below guideline of 45. CFCFS1736: Significant time at current residence - Clayton Comments: 27 years at current residence. |
| 2194568 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 06/19/2026 Client provided Disclosure History reflecting CD 5/28 was also sent via XXX to both on 05/28. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence >6 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.81% below guideline requirement 45.00%. |
| 2134950 | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 01/08/2026- Client provided an approved exception for missing T.42 Title Endorsement | 01/08/2026- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by approx $1,300 a month. CFCFS1739: Positive mortgage payment history - Clayton Comments: Credit profile shows 0x30. |
| 2134950 | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 01/08/2026- Client provided an approved exception for missing T.42.1 Title Endorsement | 01/08/2026- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by approx $1,300 a month. CFCFS1739: Positive mortgage payment history - Clayton Comments: Credit profile shows 0x30. |
| 2194384 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 750 is 50 points above program guideline minimum of 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.07% LTV below guideline requirements of 80.00% per program. | ||||||||||||||
| 2171666 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 25 years and 9 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 731 is 71 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.42% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.87% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2194570 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence >5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 65.53% below guideline requirements 85.00% | ||||||||||||||
| 2172226 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $36,581 revolving debt paid at close CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26.2 years current job time | ||||||||||||||
| 2171579 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.64% DTI below guideline requirement of 45%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 24 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171873 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70.07% below guideline requirements 90.00%. | ||||||||||||||
| 2194295 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Title | Satisfied | D | A | D | A | XXXX | Missing Title | No | Missing Title report | 6.30.2026 Client provided Title Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 35yrs time in profession |
| 2171809 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 61% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | ||||||||||||||
| 2172125 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | N/A | N/A | A | A | Credit | LTV/CLTV | Satisfied | B | A | B | A | XXXX | CLTV Exceeds Guideline Requirement by less than 5% | No | The 1st Lien balance of $XXX+ $XXX Stand Alone 2nd = $XXX/ $XXX AVM = 75.10% CLTV. Credit Score 698; maximum CLTV 75%. File is missing most current verification of mortgage in the amount of $XXX disclosed on the lender's 1008 used to qualify. | 4.21.2026 Client provided an updated 1008 using 1st lien balance of $XXX for an CLTV of 74.99% and provided an updated VOM dated 4.20.2026 (after Note date XXX), condition remains for prior to closing acceptable documentation of 1st lien balance for CLTV calculation. 4.23.2026 Client provided the mortgage statement reflecting transaction activity from 3.3 - 4.2.2026 and reflect as partial payments unapplied and states any partial payments listed here are not applied to your mortgage, but instead are held in one or more separate suspense accounts and there is an overdue payment of $221.00 Condition remains for additional pay history supporting satisfactory payment and final outstanding principal balance of $XXX4.27.2026 Client provided LOX stating, The input of $XXX was a typo. The 1st mortgage balance at the time of closing was actually lower than this figure. It was $XXX. The mortgage stmt provided (Stmt date 4/3/2026) previously reflects this balance with next payment due XXX. The loan was closed with CLTV below max. Response, prior condition requested for Client additional documentation (pay history or prior to closing Insight) reflecting the balance that is being used of $XXX; mortgage statement previously provided reflect some partial payment history and states of not being applied, missing additional pay history to support prior to closing balance of $XXX as reflected on the mortgage statement. 4.29.2026 Client provided LOX asking, Can you please provide clarification as to what is needed to clear this suspense item? The mortgage statement dated 04/03/26 shows an outstanding balance of $XXX. The partial payments unapplied are the borrower making payments towards their monthly payments. The mtg statement states that partial payment are applied to an account once the full monthly payment is received via the partial payments. The borrower is making the monthly payment every month. Response, prior update requesting for copy of the payment history to support the principal balance as what the mtg statement reflect. Condition remains for prior to closing payment history for 1st lien to support balance reflected on 1st mtg statement. 4.30.2026 Client provided Borrower payment history supporting same as 1st mtg statement principal balance of $XXX(prior to closing) and updated 1008 previously provided with CLTV of 74.99% (Max 75%), condition satisfied using 1st lien balance of $XXXvs $XXX(that was used at initial review). | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Significant time in profession, 21 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 53 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2171778 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 20yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence | ||||||||||||||
| 2194501 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 11 years CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.74% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 11 years and 2 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 49.53% LTV below guideline requirements of 90.00% per program. | ||||||||||||||
| 2172126 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 52.11% CLTV below guideline requirements of 85% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 57 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171895 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 20 years. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 11 years. | ||||||||||||||
| 2171697 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing Rider | No | Missing a PUD Rider. AVM and exterior property inspection show subject is a townhouse. Property Report Summary shows property is in a PUD. | 4.6.2026 Client provided updated executed Mortgage Statement including all applicable Riders, PUD and MERS Riders | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.66 DTI below guideline of 45. |
| 2194374 | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 21 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 14 years. | ||||||||||||||
| 2171575 | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 02/02/2026, the Housing Counselors List was not issued until 02/13/2026. Greater than the required 3 days. | 04/03/2026 Client provided missing List of homeowners counseling organizations dated 02/02. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject for 20+ years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 64.52 is less than the max of 75. |
| 2171575 | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 02/02/2026, the Initial LE was not issued until 02/13/2026. Greater than the required 3 days. | 04/03/2026 Client provided the Initial Disclosures, including LE LE 2/2. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject for 20+ years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 64.52 is less than the max of 75. |
| 2171575 | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | ** Review of Initial LE 2/2 provided: Zero tolerance of $650.00. Origination fee added on LE 2/13. COC only states XXX. Provide additional information of what change occurred causing the addition of this fee. | 04/08/2026 Client provided COC 2/12 reflecting loan change from Conventional 1st lien to Closed end 2nd resulting in added Origination fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject for 20+ years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 64.52 is less than the max of 75. |
| 2172083 | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years and 8 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 734 is 34 points above program guideline minimum of 700. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 6 months | ||||||||||||||
| 2171779 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 59.60% LTV below guideline requirements of 85.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 762 is 62 points above program guideline minimum of 700. | ||||||||||||||
| 2171580 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 11 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 65% | ||||||||||||||
| 2171496 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 30yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 9yrs time at current residence | ||||||||||||||
| 2171557 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has 7% revolving credit utilization. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 10 years and 11 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 FICO exceeds the minim required by > 20 points. | ||||||||||||||
| 2171920 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | ||||||||||||||
| 2194285 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.06% LTV below guideline requirements of 75.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 26 years and 1 month CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 36+ months CFCFS1736: Significant time at current residence - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2194543 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | XXX- 06/22/2026- Client provided an approved exception for missing T.42 Title Endorsement | XXX- 06/22/2026- Initial and Final Grade B- | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 55.57% below guideline requirements 90.00%. |
| 2194543 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | XXX- 06/22/2026- Client provided an approved exception for missing T.42.1 Title Endorsement | XXX- 06/22/2026- Initial and Final Grade B- | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 55.57% below guideline requirements 90.00%. |
| 2171464 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Note in file is incomplete | No | Page 4 of 4/the Signature page of the Note is missing from the file. | 04/06/2026 Client provided a fully executed. all pages of the Note. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.77% below guideline requirement 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 12 years. |
| 2171874 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 21yrs time in profession | ||||||||||||||
| 2171581 | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 32% | ||||||||||||||
| 2171715 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.27% LTV below guideline requirements of 75.00% per program. | ||||||||||||||
| 2171582 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12 years on current job | ||||||||||||||
| 2194582 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 3 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.53% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 8 years and 3 months | ||||||||||||||
| 2171976 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 9.00% revolving credit utilization CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 13.1 years current job time CFCFS1736: Significant time at current residence - Clayton Comments: 13.3 years current residence time | ||||||||||||||
| 2172084 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 16 yeas at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 29.56% below guideline requirements 80.00%. | ||||||||||||||
| 2172085 | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 53 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.60% CLTV below guideline requirements of 75% per program. | ||||||||||||||
| 2171667 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 5yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x61 | ||||||||||||||
| 2194388 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 37.48% CLTV below guideline requirements of 75% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 69 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2134960 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15yrs time at current job | ||||||||||||||
| 2171611 | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | MI Home Loan - Michigan Home Loan Toolkit is not timely | No | MI Home Loan - Michigan Home Loan Toolkit is not timely | 04/28/2026 Client provided Initial Disclosures 3/31 reflecting Tool kit receipt 4/1. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 4 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 76.52% below guideline requirements 85.00%. |
| 2171947 | XXXXXX | AR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $32.45 monthly taxes for the subject property. Taxes are not escrowed. | 4.9.2026 Client provided copy of tax bill supporting $32.45 month for subject | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17 years at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.72 DTI below guideline of 45. |
| 2171947 | XXXXXX | AR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Title | Satisfied | C | A | C | A | XXXX | Potential title issue | No | Missing judgment search.The mortgage on title does not match the mortgage on credit. The mortgage on title is dated XXX in the amount of $XXX. The mortgage on credit is dated XXX in the amount of $XXX. | 4.14.2026 Client provided copy of XXX Financing Agreement in the amount of $XXX as of May 12, 2026 and provided copy of Construction Agreement in the amount of $XXX as of May 12, 2006 and title reflect 1st lien with XXX Mortgage as of XXX in the amount of $XXX (original balance) and is being used as 1st lien for LTV/CLTV calculation. Condition remains for evidence the mortgages with XXX opened XXX ($XXX .have been satisfied/closed and Title reason for still reflecting as a lien on Title if paid closed, Title to reflect the correct 1st lien with XXX dated XXX $XXX4.21.2026 Client provided LOX stating, This how seller financing works. The $XXX lien is total amount financed. $XXX is the loan amount of the seller financing. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17 years at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.72 DTI below guideline of 45. |
| 2194415 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 69.07% below guideline requirements 90.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence >8 years. | ||||||||||||||
| 2171727 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $383.83 monthly taxes for the subject property. Taxes are not escrowed. | 4.23.2026 Client provided copy of subject tax bill supporting monthly $383.84 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 819 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.85 DTI below guideline of 45. |
| 2194447 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 55% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 19 years at current job | ||||||||||||||
| 2194279 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $100 due to (Title - Title Exam $100) fee increased from LE to CD (6/2/2026). Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 06/25/2026 Client provided Funding CD 06/24 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV below guideline requirements; 42 years and 1 month CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.01% DTI is below guideline requirement of 45.00%. |
| 2171977 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 8yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x29 | ||||||||||||||
| 2171703 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.97% CLTV below guideline requirements of 80% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 27 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2194601 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 65 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.11% DTI below guideline requirement of 45%. | ||||||||||||||
| 2172182 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing credit report | 4.15.2026 Client provided duplicate (credit report in file dated 3.25.2026) however this credit report only reflect one score for each borrower and the latest guidelines states a minimum of 2 credit scores are required for each borrower. Condition remains for credit report with minimum of 2 credit scores for each borrower. 4.17.2026 Client provided credit report dated 3.26.2026 with 3 fico scores for each borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 12+ years. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 since origination in 12/2020. |
| 2172182 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | XXXX | Missing credit report | No | Provide credit report with at least 2 scores. | 4.15.2026 Client provided duplicate (credit report in file dated 3.25.2026) however this credit report only reflect one score for each borrower and the latest guidelines states a minimum of 2 credit scores are required for each borrower. Condition remains for credit report with minimum of 2 credit scores for each borrower. 4.17.2026 Client provided credit report dated 3.26.2026 with 3 fico scores for each borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 12+ years. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 since origination in 12/2020. |
| 2171698 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 49.61 is less than the max of 75. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 25 years. | ||||||||||||||
| 2194438 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 5yrs tine at current residence CFCFS2854: Significant time in profession - Clayton Comments: 27yrs time in profession | ||||||||||||||
| 2172183 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 10+ years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 21 years. | ||||||||||||||
| 2196108 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.84 is less than the max of 75. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.75 is less than the max of 45. | ||||||||||||||
| 2171810 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 30 years and 1 month CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.73% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2172086 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 26 years in same line of work/profession CFCFS5269: Minimal use of credit - Clayton Comments: 15% revolving credit utilization CFCFS1736: Significant time at current residence - Clayton Comments: 20 years current residence time | ||||||||||||||
| 2171558 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.13% DTI is below guideline requirement of 45.00%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years and 10 months | ||||||||||||||
| 2172184 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 64% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 21 years on current job | ||||||||||||||
| 2172087 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 49.62% below guideline requirements 90.00%. | ||||||||||||||
| 2194495 | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have 31 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 56% | ||||||||||||||
| 2194434 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 27 years current residence time CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 18.2 years current job time CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19.4 years current job time | ||||||||||||||
| 2172088 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 5yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 7yrs time in profession | ||||||||||||||
| 2194541 | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 64 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.11% DTI below guideline requirement of 45%. | ||||||||||||||
| 2172185 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | N/A | A | A | Property Valuations | Property | Satisfied | C | A | C | A | XXXX | Property Issues Indicated | No | Subject is located in a a PUD per Property Report. Appraiser to correct subject grid to reflect PUD and add monthly HOA fee in the amount of $47. | 4.23.2026 Client provided updated appraisal reflecting as PUD with monthly HOA of $47.00 | Condition satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: 0.0% revolving credit utilization CFCFS2860: Good credit history - Clayton Comments: deep credit file with all accts. paid as agreed. 0X30,60,90,days. No collections, judgements, public records. |
| 2171820 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 18 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed for 30 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 23.04% max per guidelines is 90%. | ||||||||||||||
| 2171739 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 46.80% LTV below guideline requirements of 75.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.49% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 6 years and 6 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years and 4 months. | ||||||||||||||
| 2194300 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.45% LTV below guideline requirements of 75.00% per program. | ||||||||||||||
| 2171508 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 3.00% revolving credit utilization CFCFS1736: Significant time at current residence - Clayton Comments: 9 years current residence time | ||||||||||||||
| 2171509 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 6 years and 5 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 44.16% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 30 years | ||||||||||||||
| 2171559 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 38 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 17 years. | ||||||||||||||
| 2171875 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x57mo CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence | ||||||||||||||
| 2171825 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 26yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x80mo | ||||||||||||||
| 2194314 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 779 is 79 points above program guideline minimum of 700. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 29 years and 2 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 37.81% LTV below guideline requirements of 85.00% per program. | ||||||||||||||
| 2171876 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 50 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 63.26% CLTV below guideline requirements of 80% per program. | ||||||||||||||
| 2171978 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | $100 Zero tolerance due to increase in Title Exam fee ($100) on CD dated 3/27/2026 without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 04/28/2026 Client provided COC 3/26 reflecting HUD lien was identified on title requiring title curative action to be ordered resulting in examination fee added. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 63.09% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 765 is 65 points above program guideline minimum of 700. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| 2171716 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 22 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 36% | ||||||||||||||
| 2194584 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Title | Satisfied | D | A | D | A | XXXX | Title incomplete | No | (a). Title have UCC financing and file having Termination of UCC financing however not executed by Lender agreeing to release collateral. (b). Missing copy of Solar agreement supporting amount used for qualifying of $176.00 | 6.22.2026 Client provided fully executed copy of Solar Agreement support monthly payment used in qualifying and Solar agreement reflecting having Performance Guarantee and Limited Warranty. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 18 years 8 months CFCFS2854: Significant time in profession - Clayton Comments: B1 have significant time in profession, 25 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 766 exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV 28.30%/63.25% below guideline requirements |
| 2194322 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.77 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 62.41 is less than the max of 80. | ||||||||||||||
| 2172227 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.07% LTV below guideline requirements of 75.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.79% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2171465 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 03/12/2026, the Housing Counselors List was not issued until 03/18/2026. Greater than the required 3 days. | 4/22/26 Client provided HOCL dated 3/17/26. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the credit report CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 32% |
| 2171465 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 3/12/2026, the Initial LE was not issued until 03/18/2026. Greater than the required 3 days. | 4/22/26 Client provided initial LE 3/17/26. Disclosure was tested with no issues. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the credit report CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 32% |
| 2171668 | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 786 exceeds the 760 required. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 since origination in 8/2021. | ||||||||||||||
| 2194273 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | N/A | N/A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation non-borrowing spouse (XXX) received an accurate CD (4/6/2026) 3 business days prior to closing (XXX). If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 5/21/26 Client provided evidence for initial CD being mailed to NBS via XXX. Mailing rule was applied and passed the testing. Condition satisfied to 1/A | 5/21/26 Condition satisfied | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer since 12/3/2001. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the subject property for 15 years 1 month. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 763 is 103 points above the minimum required score of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.30% DTI is below the maximum allowed DTI of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 34.87% CLTV is 49.92% below the maximum allowable CLTV of 84.79%. |
| 2194273 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | N/A | N/A | B | B | Credit | Income/Employment | Satisfied | D | A | D | A | XXXX | Income verification does not meet guidelines | No | File is missing most recent paystub and most recent W-2, or a completed Request for Verification of Employment (Form 1005) supporting income used to qualify. | 5.27.2026 Client provided Written VOE covering YTD 2026 and prior two years (2025/2024) earnings, supporting base amount used for qualifying. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer since 12/3/2001. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the subject property for 15 years 1 month. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 763 is 103 points above the minimum required score of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.30% DTI is below the maximum allowed DTI of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 34.87% CLTV is 49.92% below the maximum allowable CLTV of 84.79%. |
| 2194273 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | N/A | N/A | B | B | Credit | Terms/Guidelines | Satisfied | C | A | C | A | XXXX | Loan documents do not meet guideline requirements | No | Appraisal indicates property is located in a PUD along while other documentation, such as project approval and master HOA insurance, and legal description Exhibit A indicates property is a condo. Documentation verifying correct property type will be required along with a corrected appraisal if necessary. | 5.27.2026 Client provided updated Title reflecting subject is in a Condo. Response, appraisal still reflect as being in a PUD and Mortgage having a PUD Rider attached vs Condo Rider. Initial condition remains. 6/24 Client provided the executed Condo rider | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer since 12/3/2001. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the subject property for 15 years 1 month. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 763 is 103 points above the minimum required score of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.30% DTI is below the maximum allowed DTI of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 34.87% CLTV is 49.92% below the maximum allowable CLTV of 84.79%. |
| 2194273 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | N/A | N/A | B | B | Credit | Title | Satisfied | C | A | C | A | XXXX | Title Does Not Agree With Mortgage | No | Subject loan mortgage indicates property is located in a PUD with a rider attached; however, a property summary report states property is not a condo or PUD despite having a legal description stating Condo (see exhibit A Documentation verifying correct property type along with corrected mortgage/rider or corrected property summary report will be required. | 5.27.2026 Client provided updated Title reflecting subject is in a Condo. Response, appraisal still reflect as being in a PUD and Mortgage having a PUD Rider attached vs Condo Rider. Initial condition remains. 6/24 Client provided the executed Condo rider | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer since 12/3/2001. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the subject property for 15 years 1 month. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 763 is 103 points above the minimum required score of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.30% DTI is below the maximum allowed DTI of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 34.87% CLTV is 49.92% below the maximum allowable CLTV of 84.79%. |
| 2172089 | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not compliant | No | List of homeowners counseling organizations is missing in the file. | 04/21/2026 Client provided missing List of homeowners counseling organizations dated 02/04. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 7yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 25yrs time in profession |
| 2194596 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | 06/22/2026 Client provided Initial disclosures including the missing List of homeowners counseling organizations dated 5/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years and 2 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 798 is 36 points above program guideline minimum of 760. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 10 years and 5 months |
| 2194596 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken05/06/2026, the initial LE was not issued until 05/13/2026. Greater than the required 3 days | 06/22/2026 Client provided Initial disclosures including the missing Initial LE 5/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years and 2 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 798 is 36 points above program guideline minimum of 760. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 10 years and 5 months |
| 2194370 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 799 is 99 points above program guideline minimum of 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.03% LTV below guideline requirements of 85.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 20 years | ||||||||||||||
| 2172090 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: Review DTI of 30.6% is below maximum allowed of 45%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 27 months. | ||||||||||||||
| 2171669 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 16% revolving credit utilization CFCFS2854: Significant time in profession - Clayton Comments: CB has 15 years in same line of work/profession CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15.11 years current job time | ||||||||||||||
| 2171583 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation of additional debt $165 monthly that is not on the credit report. Total consumer debt monthly payment on 1008 is $2,143. Total consumer debt from credit report excluding the account paid off at closing is $1,978. | 4.15.2026 Client provided undisclosed debt verification verying monthly payment $165 for debt XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.43 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 FICO exceeds guideline of 660. |
| 2171510 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 691 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.51 DTI below guideline of 45. | ||||||||||||||
| 2172186 | XXXXXX | AK | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.71% LTV below guideline requirements of 90.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 8 years and 5 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.24% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 8 years and 6 months | ||||||||||||||
| 2171780 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has > 11 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 23 years. | ||||||||||||||
| 2171612 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 30% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 33% | ||||||||||||||
| 2171632 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 33% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 43% | ||||||||||||||
| 2171474 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 last 27 months payment paid on time. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 10K in reserves. | ||||||||||||||
| 2171514 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 32yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 35yrs time at current residence | ||||||||||||||
| 2194356 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 66% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 20 years at current residence | ||||||||||||||
| 2194411 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in profession | ||||||||||||||
| 2171647 | XXXXXX | NJ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $68,101 in revolving/installment debt paid at close CFCFS1736: Significant time at current residence - Clayton Comments: 5 years current residence time CFCFS1739: Positive mortgage payment history - Clayton Comments: 40 mos. mtg. payment history with 0X30,60,90,days. Paid as agreed. | ||||||||||||||
| 2171877 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 39.80% below guideline requirements 90.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 20 years. | ||||||||||||||
| 2194431 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | N/A | N/A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations. | 06/23/2026 Client provided missing List of homeowners counseling organizations dated 05/20. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 718 exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV 46.02%/65.00% below guideline requirements CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current XXX job, 18 years |
| 2194431 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | N/A | N/A | B | A | Credit | DTI | Satisfied | D | A | D | A | XXXX | Missing verification of some or all components of non-subject PITI | No | New investment purchase: XXX funds from subject transaction to purchase new property. Missing executed final documentation supporting PITI used in DTI/on Final 1003 of $8,337; file have an unsigned CD (pg 565) however missing final executed CD for this new purchase to supporting final PITIA of $8,337 | 6.23.2026 Client provided executed Final CD for newly purchase investment property: XXX where subject cash out being used to purchase this new property and supporting $8,337 that is being used in DTI for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 718 exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV 46.02%/65.00% below guideline requirements CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current XXX job, 18 years |
| 2194431 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | N/A | N/A | B | A | Credit | Income/Employment | Satisfied | D | A | D | A | XXXX | Income verification does not meet guidelines | No | XXX borrower using 2024/2023 1120S for qualifying and file having 2023 1040 Transcripts and 2024 transcripts reflect no tax return filed and 2025 reflect no record. File is missing copy of 2024 1040 Transcripts, required when tax returns are being used for qualifying. In addition, 2024 1040 were not signed/dated. | 6/24 Client provided 24 signed 1040s and evidence filed | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 718 exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV 46.02%/65.00% below guideline requirements CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current XXX job, 18 years |
| 2171878 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 28 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 10 years at current job | ||||||||||||||
| 2171699 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Insurance | Satisfied | C | A | C | A | XXXX | Insurance Expiration date is prior than the transaction date | No | Missing a completed HOI policy good for a year.*Provided policy dates from 2/18/26 to 3/20/26 reflecting no amount of premiums | 4.7.2026 Client provided HOI policy from 1.9.2026 - 2027 with premium | Condition satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.92% below guideline requirement 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 15 years. |
| 2171740 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 44.35% CLTV below guideline requirements of 90% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 78 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171497 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation non-borrowing spouse XXX) received an accurate CD (3/26/2026) 3 business days prior to closing (XXX). If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/27/2026 Client provided Disclosure History reflecting Interim CD 4/7 was also sent via XXX 04/07. Condition Remains. Provide evidence of Non-Borrower receipt of the Initial CD 3/26. 04/28/2026 Client provided Disclosure History reflecting Interim CD 3.36 was also sent via XXX 3/26. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 50.44% below guideline requirements 80.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 36 years at current job |
| 2194352 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 4yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 4yrs time at current residence | ||||||||||||||
| 2172127 | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $62,901 revolving/installment debt paid at closing. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9.1 years current job time CFCFS5269: Minimal use of credit - Clayton Comments: 4.00% revolving credit utilization | ||||||||||||||
| 2172187 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Satisfied | C | A | C | A | XXXX | XXX Equity - Closed before later of appl/discl + 12 days | No | Initial application was taken 03/12/2026. The Notice Concerning Extensions of Credit was not issued until 04/06/2026. | 04/30/2026 Client provided the missing Notice concerning extensions of credit 3/13 appl/discl + 12 days. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| 2172187 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | (No Data) |
| 2172187 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | (No Data) |
| 2171584 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x30mo CFCFS1736: Significant time at current residence - Clayton Comments: 18yrs time at current residence | ||||||||||||||
| 2172091 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 50 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 47.01% CLTV below guideline requirements of 85% per program. | ||||||||||||||
| 2171648 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 6yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x58mo | ||||||||||||||
| 2194299 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.44 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 37.83 is less than the max of 90. | ||||||||||||||
| 2171585 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 29% | ||||||||||||||
| 2172188 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 802 is 142 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.40% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.02% DTI is below guideline requirement of 45.00%. |
| 2172188 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 802 is 142 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.40% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.02% DTI is below guideline requirement of 45.00%. |
| 2171649 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX | 04/09/2026 Client provided a screen shot of Initial CD sent on 3/13 with corresponding XXX. Mail rule applies, earliest closing date XXX, Actual closing date XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 FICO exceeds guideline of 740. CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.92 DTI below guideline of 45. |
| 2171649 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | N/A | N/A | C | A | Credit | Title | Satisfied | D | A | D | A | XXXX | Missing Title | No | Missing title. | 3.31.2026 Client provided Property Title Report Summary, 2nd mtg on title is a 2nd mtg and is being paid off on subject CD | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 FICO exceeds guideline of 740. CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.92 DTI below guideline of 45. |
| 2194280 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.85% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.70% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2171613 | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 4.00% revolving credit utilization CFCFS2854: Significant time in profession - Clayton Comments: 10.1 years in same line of work/profession | ||||||||||||||
| 2171932 | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Significant time with employer, 23 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 73 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171614 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 25 years and 8 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.83% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.33% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2194274 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 53 mos. mtg. payment history. 0X30,60,90 days. Paid as agreed. CFCFS5269: Minimal use of credit - Clayton Comments: 0.00% revolving credit utilization | ||||||||||||||
| 2171801 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Notary Status is missing | No | Missing pages 22 and 23 of the executed mortgage, including the borrower's signature and notary. | 04/24/2026 Client provided fully executed Mortgage including signature and notary pages. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: deep credit file with all accts. paid as agreed. 0X30,60,90 days. No judgements, collections, public record. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18.11 years current job time |
| 2171801 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: deep credit file with all accts. paid as agreed. 0X30,60,90 days. No judgements, collections, public record. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18.11 years current job time |
| 2171801 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: deep credit file with all accts. paid as agreed. 0X30,60,90 days. No judgements, collections, public record. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18.11 years current job time |
| 2172128 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 714 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.89 DTI below guideline of 45. | ||||||||||||||
| 2172149 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 22 years at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 60.33% is 19.63 points below the program guideline maximum 80%. | ||||||||||||||
| 2172129 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 10 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 29 years at current job | ||||||||||||||
| 2172189 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.83 is less than the max of 45. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 since origination in 2/2022. | ||||||||||||||
| 2172092 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 21 years current residence time | ||||||||||||||
| 2194440 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Note Not Executed | No | Provide copy of executed Note. Missing page 4 of 1-4 | 7.1.2026 Client provided executed subject Note (including all 4 pages) | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 28yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 30yrs time in profession |
| 2171946 | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | The test APR is 10.029%, the benchmark APR is 5.950% resulting in a difference of 4.079%, max difference allowed is 3.50% | 4.29.2026 Client provided LOX stating agree with DD Firm status: QM Rebuttable Presumption | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.28% DTI below guideline requirement of 50%. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers are conservative credit users; minimal outstanding debts. |
| 2194578 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 11YRS time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 28yrs time in profession CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x57 | ||||||||||||||
| 2171831 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | XXXX | Loan documents do not meet guideline requirements | No | Missing a Solar Panel lease agreement for 268.00 / 27,084.00 | 4.23.2026 Client provided copy of Solar agreement with year 11 monthly payment of $268/$27,084 | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 8 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 8 years. |
| 2171717 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 5 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 15 years. | ||||||||||||||
| 2171896 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document. | 04/14/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 02/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.00% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.77% DTI is below guideline requirement of 45.00%. |
| 2171633 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | XXXX | Income Amount is Unsupported by Documentation in File | No | Missing documentation to support Borrower 1 Social Security income of $2995.50 listed on the Final 1003 | 4.6.2026 Client provided SSA 1099 for Year 2025 for B1 supporting monthly $2,995.50 | condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Primary Borrower has been in the same line of work for 42 years CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 20 years |
| 2171499 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.40% LTV below guideline requirements of 75.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 20 years and 2 months | ||||||||||||||
| 2172190 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 10yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 11yrs time at current residence | ||||||||||||||
| 2194430 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 31.25% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 744 is 84 points above program guideline minimum of 660. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 15 years and 3 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 18 years and 4 months | ||||||||||||||
| 2171781 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 56.87% CLTV below guideline requirements of 85% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 70 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2194428 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 48.93% CLTV below guideline requirements of 75% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 62 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171782 | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x61mo CFCFS1736: Significant time at current residence - Clayton Comments: 6yrs time at current residence | ||||||||||||||
| 2172228 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 19yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x59mo | ||||||||||||||
| 2194419 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 63.94% CLTV below guideline requirements of 85% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 30 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2196125 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 40YRS time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x28 | ||||||||||||||
| 2172229 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 34% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 44% | ||||||||||||||
| 2196121 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 22.1 years current job time CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 37.6 years current job time CFCFS1736: Significant time at current residence - Clayton Comments: 34 years current residence time | ||||||||||||||
| 2172191 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing Note | 4/17/26 Client provided a copy of executed Note | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.39 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.68 is less than the max of 90. |
| 2172191 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Missing Note | No | Note dated XXX missing from file | 4/17/26 Client provided a copy of executed Note. Condition satisfied | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.39 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.68 is less than the max of 90. |
| 2172191 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Federal Consumer Protection | Satisfied | C | A | C | A | XXXX | TILA - Stated Loan Term not equal to the TIL Payment term | No | Triggered due to stip clearing process due to incorrect data entry inside TRID shield final CD loan term as 20 years instead of 30 years. | (No Data) | Cancelled | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.39 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.68 is less than the max of 90. |
| 2172191 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Final Executed Note. Unable to correctly confirm product type. | 4/17/26 Client provided a copy of executed Note. Condition satisfied | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.39 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.68 is less than the max of 90. |
| 2171670 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Time at current residence 23yrs CFCFS2854: Significant time in profession - Clayton Comments: 26yra time in profession | ||||||||||||||
| 2171879 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.84 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 52.82 is less than the max of 80. | ||||||||||||||
| 2171979 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 792 > is above guideline minimum credit score 760. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 12 years. | ||||||||||||||
| 2171880 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Homeowners Counseling Organizations List dated 03/05/2026 was not provided to the borrower within 3 days of the application date of 02/18/2026. | 04/09/2026 Client provided missing List of homeowners counseling organizations dated 02/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 763 is 103 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.37% LTV below guideline requirements of 90.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years |
| 2171880 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | LE dated 03/05/2026 was not provided to the borrower within 3 days of the application date of 02/18/2026. | 04/09/2026 Client provided Initial Disclosure including LE 2/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 763 is 103 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.37% LTV below guideline requirements of 90.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years |
| 2135374 | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.68 is less than the max of 45. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 since origination 4/2021. | ||||||||||||||
| 2194558 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 5/6/2026, the Housing Counselors List was not issued until 5/12/2026. Greater than the required 3 days. | 06/19/2026 Client provided missing List of homeowners counseling organizations dated 05/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 32.59% CLTV below guideline requirements of 90% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 52 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2194558 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 5/6/2026, the initial LE was not issued until 5/12/2026. Greater than the required 3 days. | 06/19/2026 Client provided missing Initial LE 5/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 32.59% CLTV below guideline requirements of 90% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 52 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2171787 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.24% CLTV below guideline requirements of 85% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 38 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171560 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years and 10 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 56.14% LTV below guideline requirements of 85.00% per program. | ||||||||||||||
| 2171844 | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: B1 Significant time in profession, 20 years. B2 Significant time in profession, 30 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.56% DTI below guideline requirement of 45%. | ||||||||||||||
| 2171466 | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15.6 years current job time CFCFS5269: Minimal use of credit - Clayton Comments: 18% revolving credit utilization | ||||||||||||||
| 2171783 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 50 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 55.33% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.55% DTI is below guideline requirement of 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 783 is 123 points above program guideline minimum of 660. | ||||||||||||||
| 2194592 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 61 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 39.39% CLTV below guideline requirements of 85% per program. | ||||||||||||||
| 2171930 | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 2/20/2026, the Housing Counselors List was not issued until 3/30/2026. Greater than the required 3 days | 4/22/26 Client provided HOCL dated 2/20/26. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.00% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| 2171930 | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 2/20/2026, the initial LE was not issued until 3/30/2026. Greater than the required 3 days | 4/22/26 Client provided initial LE 2/20/26. Disclosure was tested with no issues. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.00% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| 2171467 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document. | 04/30/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 03/31. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 28 years at current residence |
| 2171615 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | XXX Equity : Missing T.42 Title Endorsement. | client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 7 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 58.64% below guideline requirements 85.00%. |
| 2171615 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | XXX Equity : Missing T.42.1 Title Endorsement. | client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 7 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 58.64% below guideline requirements 85.00%. |
| 2196123 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | B | B | B | B | XXXX | ROR - Expiration date on form prior to end of rescission period | No | Subject Mortgage Notary was dated XXX. ROR XXX in file has and Expiration Date of XXX, is prior to end of rescission period date of XXX | 06/08/2026 Client provided a collaborate comment: Mortgage was corrected on XXX as notary was date missed at closing. Condition remains. Notary date is a part of the Rescission testing. Provide re-opened rescission docs for all title holders, expiration dated allowing for their receipt, LOE to Borrower and evidence of delivery via tracking.06/24/2026 Client provided reopened Right to Cancel H9 forms for both, delivery dated XXX with expiration date midnight of XXX. Expiration period has expired. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has >9 years at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 65.34% below guideline requirements 90.00% |
| 2196123 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ROR XXX in file has and Expiration Date of XXX. Recalculated ROR Expiration date is XXX (based on Mortgage Notary date of XXX); disbursement date per PCCD XXX is XXX Borrower did not receive full mandatory rescission period. | 06/08/2026 Client provided a collaborate comment: Mortgage was corrected on XXX as notary was date missed at closing. Condition remains. Notary date is a part of the Rescission testing. Provide re-opened rescission docs for all title holders, expiration dated allowing for their receipt, LOE to Borrower and evidence of delivery via tracking.06/24/2026 Client provided reopened Right to Cancel H9 forms for both, delivery dated XXX with expiration date midnight of XXXExpiration period has expired. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has >9 years at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 65.34% below guideline requirements 90.00% |
| 2171468 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 40 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.58% DTI below guideline requirement of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.19% CLTV below guideline requirements of 90% per program. | ||||||||||||||
| 2194277 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0X30 since origination in 11/2020. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.65 is less than the max of 90. | ||||||||||||||
| 2171700 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 22 years and 1 month CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 728 is 68 points above program guideline minimum of 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 26 years and 8 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.69% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.36% LTV below guideline requirements of 80.00% per program. | ||||||||||||||
| 2172230 | XXXXXX | KS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.65 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.67 is less than the max of 75. | ||||||||||||||
| 2172248 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | N/A | N/A | A | A | Credit | Application | Waived | C | B | C | B | XXXX | Undisclosed non-arm's length transaction | No | Non-Arms length Transaction/Identity of interest/Conflict of interest. Borrower is not employed by Broker but is related to Broker. Full appraisal required per guidelines. | 3.5.2026 Client provided exception approval for Borrower is not employed by the broker but related to Broker | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: fico score 744, over 7 years at current residence and over 9 years with current employment | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit, 22% revolving credit utilization. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job,10.2 years. |
| 2194276 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 26% | ||||||||||||||
| 2194281 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.75% CLTV below guideline requirements of 75% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 63 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171980 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 21 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 16 years at current job | ||||||||||||||
| 2171586 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 22yrs time in profession | ||||||||||||||
| 2194412 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | XXXX | Missing disclosure | No | Missing LE: 04/21/2026 | 06/25/2026 Client provided missing LE 4/21. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence>4 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >12 years at current job |
| 2194412 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 04/20/2026, the Housing Counselors List was not issued until 05/26/2026. Greater than the required 3 days. | 06/25/2026 Client provided missing List of homeowners counseling organizations dated 4/21. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence>4 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >12 years at current job |
| 2171839 | XXXXXX | KS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 10 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.61% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2171881 | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.21 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 FICO exceeds guideline of 660. | ||||||||||||||
| 2198942 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | N/A | N/A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Applicant only has two open and active tradelines. The guides require 3. Exceptions are allowed but there is no exception in the file. | Exception Satisfied at data points | Exception Satisfied at data points | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 72,001.72 = $35 Months reserves. PITIA = $2,032.02 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score of 805 exceeds minimum requirement of 740 CFCFS1736: Significant time at current residence - Clayton Comments: 14 Years on the current Job CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 39.50% below max DTI of 45% |
| 2198942 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | N/A | N/A | D | A | Credit | Credit/Mtg History | Waived | B | B | B | B | XXXX | # of Tradelines Does Not Meet Guideline Requirements | No | Applicant only has two open and active tradelines. The guides require 3. Exceptions are allowed but there is no exception in the file. | 6.22.2026- Received exception approval10.6.2026 - Acknowledged, waived by client | 6.22.2026- Exception non-material; exception remains10.6.2026 - Acknowledged, waived by client | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 72,001.72 = $35 Months reserves. PITIA = $2,032.02 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score of 805 exceeds minimum requirement of 740 CFCFS1736: Significant time at current residence - Clayton Comments: 14 Years on the current Job CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 39.50% below max DTI of 45% |
| 2198943 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | N/A | N/A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | XXXX | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing fully completed VVOE dated within 10 days of the Note. VVOE provided does not have a completion date. WVOE dated 6/3/26 and Note date is XXX outside the 10 day window. 6.30.2026 - Received VVOE dated 6/15/26 | 6.30.2026 - Received VVOE dated 6/15/26 | Clayton Conclusion 6.30.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 52% LTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.70% is below guideline's max of 50%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit score of 754 exceeds min required of 660 for up to 70% CLTV and up to $100K loan amount. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 27 + years with current employer. |
| 2198914 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 6 years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 14+ years at present job CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have43 months mortgage payment history 0x30, guidelines require 0x30x24. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 33.80% is below guideline maximum 50%. | ||||||||||||||
| 2196101 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 82 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.71% CLTV below guideline requirements of 85% per program. | ||||||||||||||
| 2171882 | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.08% DTI is below guideline requirement of 45.00%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months. | ||||||||||||||
| 2171784 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 2/13/2026, the Housing Counselors List was not issued until 2/20/2026. Greater than the required 3 days | 04/06/2026 Client provided missing List of homeowners counseling organizations dated 02/19. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 59.74% max per guidelines is 80%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed for 25 years. |
| 2171784 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 2/13/2026, the intial LE was not issued until 2/20/2026. Greater than the required 3 days | 04/06/2026 Client provided Initial Disclosures, including missing Initial LE 2/19. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 59.74% max per guidelines is 80%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed for 25 years. |
| 2194451 | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 6 years. | ||||||||||||||
| 2171848 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 3yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x23mo | ||||||||||||||
| 2196107 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x57 CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence | ||||||||||||||
| 2171587 | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 38 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.82% below guideline requirement 45.00%. | ||||||||||||||
| 2172093 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17.3 years current job time CFCFS2854: Significant time in profession - Clayton Comments: 44.1 years in same line of work/profession CFCFS1736: Significant time at current residence - Clayton Comments: 27.10 years current residence time | ||||||||||||||
| 2172133 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 14 years current residence time CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18.1 years current job time CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $29,846 in revolving/installment debt paid at close | ||||||||||||||
| 2172094 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.25 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 FICO exceeds guideline of 660. | ||||||||||||||
| 2171616 | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has> 12 years significant time at current job. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 5 years. | ||||||||||||||
| 2196116 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Application | Satisfied | D | A | D | A | XXXX | The orig file does not contain a third party fraud report | No | Missing Third Party Fraud Report. | 6.18.2026 Client provided copy of Fraud Report and appears there was a pre-foreclosure on 6.1.2022 (within 4 years) guidelines says must be seasoned within 4 years of application date. Verify with documentation this pre-foreclosure and to support was not within most recent 4 years of application date (5.5.2026 is application date). 6.23.2026 Client provided LOX stating, UW response: The pre foreclosure property XXX is not our borrowers. borrower XXX sold to XXX in XXX. foreclosure shows XXX(XX) sold to XXX fraud did not indicate he owned the property at that time. Response, Agree sold to XXX however is is showing when sold from our borrower as of XXX the F/C dated was XXX and at that time our borrower was the owner. Condition remains for property profile to support history of this property to support Borrower did not have a pre foreclosure or foreclosure for this property. 6/26 Client provided Fraud report; report still indicates Pre FC, however from 2014; | Satisfied | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 28 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.10% CLTV below guideline requirements of 85% per program. |
| 2196099 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | XXXX | Missing disclosure | No | Missing Loan Estimate dated 06/02/2026 per the Intent to Proceed Confirmation | 06/30/2026 Client provided missing Initial LE 6/2. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 43% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 30% |
| 2194581 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 771 is 111 points above program guideline minimum of 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 22 years and 4 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 15 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 37.66% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.93% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2171540 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 52.32% CLTV below guideline requirements of 75% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 99 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171588 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 02/11/2026, the Housing Counselors List was not issued until 02/20/2026. Greater than the required 3 days. | 4/22/26 Client provided HOCL dated 2/17/26. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 10yrs time in profession |
| 2171588 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 02/11/2026, the Initial LE was not issued until 02/20/2026. Greater than the required 3 days. | 4/22/26 Client provided initial LE 2/17/26. Disclosure was tested with no issues. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 10yrs time in profession |
| 2194600 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 13 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 43% | ||||||||||||||
| 2171933 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Compliance Manual | Satisfied | D | B | D | B | XXXX | Missing disclosure | No | Provide documentation non-borrowing spouse (XXX) received an accurate CD (3/25/2026) 3 business days prior to closing (XXX). If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/10/2026 Client provided a collaborate request: Please satisfy this loan with Grade B. | Condition Satisfied 2B. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.68% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.55% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years and 3 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 807 is 147 points above program guideline minimum of 660. |
| 2194561 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 798 is 138 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 57.93% LTV below guideline requirements of 90.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 27 years and 9 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.26% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2171671 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 20yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 5yrs time at current residence | ||||||||||||||
| 2194478 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 55.17% below guideline requirements of 75% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 29.94% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 41 months exceeds guidelines of 12 months | ||||||||||||||
| 2171563 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Missing Mortgage | No | Provide a complete copy of executed Mortgage including all riders, and notary. | 4/17/26 Client provided a copy of executed Mortgage with Condo Rider. Condition is satisfied | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $84,923 total revolving/installment debt paid off at closing CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12.4 years current job time CFCFS5269: Minimal use of credit - Clayton Comments: 11% revolving credit utilization |
| 2171563 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | The HOA Questionnaire fee of $300.00 increased to $440.00 without a valid reason. A Lender credit of $105.00 to the borrower was listed on the Final Final CD 4/4/26. Need a PCCD to show an additional credit of $35.00 refund to the borrower. | 04/27/2026 Client provided PCCD 04/24 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $84,923 total revolving/installment debt paid off at closing CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12.4 years current job time CFCFS5269: Minimal use of credit - Clayton Comments: 11% revolving credit utilization |
| 2171677 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | DTI | Satisfied | D | A | D | A | XXXX | Missing verification of some or all components of non-subject PITI | No | Verification of hazard insurance for investment property, XXX | 4.22.2026 Client provided HOI of investment address: XXX supporting monthly $112.54 | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.77% CLTV below guideline requirements of 90% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 51 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2171476 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years and 10 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 7 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 735 is 35 points above program guideline minimum of 700. | ||||||||||||||
| 2171984 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 800 is 140 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.86% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 8 years and 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.45% LTV below guideline requirements of 90.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 11 months | ||||||||||||||
| 2196102 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 69% CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has 20 years at current job | ||||||||||||||
| 2194599 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 73.37 is less than the max of 90. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.84 is less than the max of 45. | ||||||||||||||
| 2172152 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial Loan Estimate dated 3/30/2026 was not provided to the borrower within 3 days of the application date 3/24/2026 | 4/17/26 Client provided initial LE 3/25/26. Disclosure was tested with no issues. Condition satisfied | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 42.56% below guideline requirements 90.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 8 years at current job |
| 2194409 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years and 1 month CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.28% DTI is below guideline requirement of 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 770 is 110 points above program guideline minimum of 660. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 19 years and 10 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.28% LTV below guideline requirements of 90.00% per program. | ||||||||||||||
| 2171593 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.07 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.17 is less than the max of 80. | ||||||||||||||
| 2171729 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 58.36% CLTV below guideline requirements of 85% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 47 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171617 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 59% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 7 years at current residence | ||||||||||||||
| 2194315 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 60% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | ||||||||||||||
| 2172153 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 80% below guideline requirements 90.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.62% below guideline requirement 45.00%. | ||||||||||||||
| 2171832 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 39 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 58.49% CLTV below guideline requirements of 85% per program. | ||||||||||||||
| 2171529 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | CD dated 3/17/2026 is not acknowledged by a title holder. Confirmation of receipt min 3 days prior to closing is required. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 4/22/26 Client provided confirmation of initial CD mailed to NBS. Condition satisfied | 4/22/26 Condition satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 9.6 years current residence time CFCFS2854: Significant time in profession - Clayton Comments: 20 years in same line of work/profession CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $53,119 in revolving/installment debt paid at close |
| 2194580 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.05 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 FICO exceeds guideline of 660. | ||||||||||||||
| 2194456 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years and 3 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.03% LTV below guideline requirements of 80.00% per program. | ||||||||||||||
| 2171903 | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 34% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years at current job | ||||||||||||||
| 2194366 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 20yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 25yrs time at current residence | ||||||||||||||
| 2194469 | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 29 mos. mtg. payment history. 0X30,60,90 days. Paid as agreed CFCFS2854: Significant time in profession - Clayton Comments: 15.1 years in same line of work/profession | ||||||||||||||
| 2171789 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 40.88% CLTV below guideline requirements of 80% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 28 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2194324 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 6.00% revolving credit utilization CFCFS1734: Borrower has significant time at current job - Clayton Comments: 38.3 years current job time CFCFS1736: Significant time at current residence - Clayton Comments: 26 years current residence time | ||||||||||||||
| 2171594 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.89%below guideline requirement 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence >10 years. | ||||||||||||||
| 2171949 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 10+ years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 60.96 is less than the max of 80. | ||||||||||||||
| 2194486 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 28yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 26yrs time at current residence | ||||||||||||||
| 2171678 | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 53% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | ||||||||||||||
| 2194375 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 10 years and 8 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years and 5 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.49% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.94% LTV below guideline requirements of 90.00% per program. | ||||||||||||||
| 2172154 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | $65.50 Zero Tolerance due to increase in Transfer Taxes from $402.00 to $467.50, without a valid Change in Circumstance (CIC). Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 4/22/26 Client provided COC 3/2/26 confirming Taxes increased due to Loan amount increased. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Primary Borrower has been in the same line of work for 18 years CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 21 years |
| 2135437 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document | 12/12/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 11/04. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 707 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 44.58%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 64.08%; guidelines allow 80% |
| 2171701 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 16yrs time profession CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x26 | ||||||||||||||
| 2171622 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 69.97% below guideline requirements 80.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 30 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 8 years. | ||||||||||||||
| 2172193 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 19 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 27.17% max per guidelines is 90%. | ||||||||||||||
| 2172100 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | (No Data) | ||||||||||||||
| 2171904 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 11.10 years in same line of work/profession CFCFS5269: Minimal use of credit - Clayton Comments: 0.00% revolving credit utilization | ||||||||||||||
| 2171905 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed for 28 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 28.14% max per guidelines is 45%. | ||||||||||||||
| 2194470 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Current job since 1995. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.69 is less than the max of 45. | ||||||||||||||
| 2172194 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.98 DTI below guideline of 45. | ||||||||||||||
| 2171477 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 4yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 15yrs time in profession | ||||||||||||||
| 2171543 | XXXXXX | HI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | XXXX | Income Amount is Unsupported by Documentation in File | No | Borrower 1 2024 and 2025 W2s and Borrower 2 2025 W2 are missing a date. | 4.20.2026 Client provided both borrowers 2025/2024 w2's | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Both mortgages have 0 X 30 payment history over 24+ months CFCFS2854: Significant time in profession - Clayton Comments: CO-Borrower has been in the same line of work for 10 years |
| 2194528 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.87% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 19 years | ||||||||||||||
| 2194609 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 21 years at current residence | ||||||||||||||
| 2194292 | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Current job since 06/01/2016. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 since origination in 2/2021. | ||||||||||||||
| 2171704 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 25yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence | ||||||||||||||
| 2171516 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 62.28 is less than the max of 75. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.86 is less than the max of 45. | ||||||||||||||
| 2194353 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrows have been at current residence >24 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 6.375% below guideline requirements 85.00%. | ||||||||||||||
| 2171853 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 13 years | ||||||||||||||
| 2171679 | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 56 mos. mtg. history with 0X30,60,90 days. Paid as agreed. | ||||||||||||||
| 2194520 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 57.23% LTV below guideline requirements of 80.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years and 11 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 16 years and 1 month | ||||||||||||||
| 2171517 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage history history 0x29 CFCFS1736: Significant time at current residence - Clayton Comments: 27 yrs time current residence | ||||||||||||||
| 2171841 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 54% | ||||||||||||||
| 2194354 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 751 is 91 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.54% LTV below guideline requirements of 85.00% per program. | ||||||||||||||
| 2171950 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 25 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 45.57% below guideline requirements 75.00%. | ||||||||||||||
| 2171790 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has> 31 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 22 years. | ||||||||||||||
| 2171913 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 34.83 is less than the max of 90 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.06 is less than the max of 45. | ||||||||||||||
| 2171742 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 29 yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x72mo |
| 2171742 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 29 yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x72mo |
| 2194504 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.82% DTI is below guideline requirement of 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 730 is 70 points above program guideline minimum of 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 12 years and 5 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.58% LTV below guideline requirements of 80.00% per program. | ||||||||||||||
| 2171478 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 34.18% below guideline requirements 80.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 40 years. | ||||||||||||||
| 2194509 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x51 CFCFS1736: Significant time at current residence - Clayton Comments: 6yrs time at current residence | ||||||||||||||
| 2172195 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.77 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 21.34 is less than the max of 90. | ||||||||||||||
| 2194421 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 56.06% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 20 years and 1 month CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 8 months | ||||||||||||||
| 2171942 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | $125 Zero tolerance due to increase in Doc Prep fee ($125) on FCD dated 3/19/2026 without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 04/03/2026 Client provided PCCD 04/02 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 22.92 is less than the max of 75. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.88 is less than the max of 45. |
| 2194294 | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation Non-Borrower XXX received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided and dated 5/282026 was incomplete/missing pages.? If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 06/25/2026 Client provided Disclosure History reflecting CD 5/28 was also sent via XXX to both on 5/28. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2194404 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 4 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 745 is 85 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.28% LTV below guideline requirements of 85.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | ||||||||||||||
| 2194308 | XXXXXX | AK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Finance Charge Tolerance | Satisfied | B | B | B | B | XXXX | Finance charge understated by more than $35 (Pmt Stream) | No | Difference is 4 days of Per Diem ($19.01 x 4 = $76.04) Corrected on the PCCD dated 06/22/2026. Exception satisfied. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x108mo CFCFS2854: Significant time in profession - Clayton Comments: 4yrs time in profession |
| 2194308 | XXXXXX | AK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Finance Charge Tolerance | Satisfied | B | B | B | B | XXXX | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | Difference is 4 days of Per Diem ($19.01 x 4 = $76.04) Corrected on the PCCD dated 06/22/2026. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x108mo CFCFS2854: Significant time in profession - Clayton Comments: 4yrs time in profession |
| 2194308 | XXXXXX | AK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | XXXX | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | Difference is 4 days of Per Diem ($19.01 x 4 = $76.04) Corrected on the PCCD dated 06/22/2026. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x108mo CFCFS2854: Significant time in profession - Clayton Comments: 4yrs time in profession |
| 2172101 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 4.28.26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8.5 years current job time CFCFS5269: Minimal use of credit - Clayton Comments: 3.00% revolving credit utilization |
| 2172101 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 4.28.26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8.5 years current job time CFCFS5269: Minimal use of credit - Clayton Comments: 3.00% revolving credit utilization |
| 2194545 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | XXX- 6/19/2026- Client provided an approved exception for missing T.42 Title Endorsement | XXX- 6/19/2026- Initial and Final Grade B- | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.33% below guideline requirement 45.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 8 years |
| 2194545 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | XXX- 6/19/2026- Client provided an approved exception for missing T.42.1 Title Endorsement | XXX- 6/19/2026- Initial and Final Grade B- | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.33% below guideline requirement 45.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 8 years |
| 2194545 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $100 due to (Title - Title Examination fee) increased from LE $0 to CD $100. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 60/25/2026 Client provided COC 6/1 reflecting Curative work was approved for the property report due to a judgement listed. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.33% below guideline requirement 45.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 8 years |
| 2171623 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 6yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 10yrs time in profession | ||||||||||||||
| 2171624 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57% | ||||||||||||||
| 2196142 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 42 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.72% CLTV below guideline requirements of 80% per program. | ||||||||||||||
| 2194377 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.42 DTI below guideline of 45. | ||||||||||||||
| 2194499 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned the subject property for 10 years 10 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.26% DTI is below the maximum allowed DTI of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 799 is 139 points above the minimum required score of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 52.84% CLTV is 37.16% below the maximum allowable CLTV of 90%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer since 7/29/2008. | ||||||||||||||
| 2171991 | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.98 is less than the max of 45. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Current employer since 5/21/2009. | ||||||||||||||
| 2171680 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 89 months CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 10+ years | ||||||||||||||
| 2194312 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 19.87% below guideline requirements 75.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 30 years. | ||||||||||||||
| 2171589 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.56% below guideline requirement 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 64.61% below guideline requirements 75.00%. | ||||||||||||||
| 2194306 | XXXXXX | AK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 750 is 90 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 63.39% LTV below guideline requirements of 85.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.58% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years | ||||||||||||||
| 2194283 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.63% LTV below guideline requirements of 85.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.10% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 3 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 15 years and 4 months | ||||||||||||||
| 2194457 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 34 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.24% CLTV below guideline requirements of 80% per program. | ||||||||||||||
| 2194463 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document. | 06/22/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 05/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.02% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.79% LTV below guideline requirements of 85.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 14 years and 5 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years |
| 2172155 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 44.28% CLTV below guideline requirements of 80% per program. | ||||||||||||||
| 2194378 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 23% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 44% | ||||||||||||||
| 2171992 | XXXXXX | NH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 12 years and 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 47.87% LTV below guideline requirements of 75.00% per program. | ||||||||||||||
| 2194553 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 55.35% CLTV below guideline requirements of 80% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 60 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2194302 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 48.08% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years and 6 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | ||||||||||||||
| 2194515 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 13.9 years in same line of work/profession CFCFS5269: Minimal use of credit - Clayton Comments: 16% revolving credit utilization | ||||||||||||||
| 2171479 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | (No Data) | ||||||||||||||
| 2171743 | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Home Mortgage Information Document is missing | 04/09/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure for Borrower 1 dated 02/12. Condition remains for the Acknowledgement for Borrower 2. | (No Data) | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 8 years at current residence |
| 2194467 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.80 is less than the max of 80. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 10+ years. | ||||||||||||||
| 2194542 | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 8yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 6 yrs time at current residence | ||||||||||||||
| 2194357 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 49% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 2171470 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 5 years at current residence CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | ||||||||||||||
| 2172102 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.05% LTV below guideline requirements of 75.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 2 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | ||||||||||||||
| 2194284 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | N/A | N/A | C | A | Compliance | Section 32 | Satisfied | C | A | C | A | XXXX | Section 32 Loan per Points and Fees Test | No | Lender to provide an updated Fee Split Document reflecting all fees being split, per the compease for retesting. Additional conditions may apply | 06/23/2026 Client provided the Fee Split documents for proper allocation of Affiliate fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.09 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 84.70 is less than the max of 90. |
| 2194284 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | N/A | N/A | C | A | Credit | Income/Employment | Satisfied | D | A | D | A | XXXX | Missing Required Income Documentation | No | Provide 2025 1040's to allow calculation of rental income. | 6/19 Client provided 1040 with schedule E supporting rental income calc, However, it is not signed or dated ; provide signed dated 25 1040s6.26.2026 Client provided duplicate (in file) 2025 1040 Transcripts, using in lieu of signed dated tax returns | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.09 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 84.70 is less than the max of 90. |
| 2194471 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that the XXX Bank HELOC has been closed to future draws. | 7.1.2026 Client provided executed by borrower requesting closure of HELOC upon receipt of payoff | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 692 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.17 DTI below guideline of 45. |
| 2171595 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 59% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35% | ||||||||||||||
| 2171883 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 50 months CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 6 years | ||||||||||||||
| 2171744 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 7 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.84% below guideline requirement 45.00% | ||||||||||||||
| 2194436 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.05 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 729 FICO exceeds guideline of 660. | ||||||||||||||
| 2194342 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 58.26% LTV below guideline requirements of 75.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 26 years and 11 months | ||||||||||||||
| 2171982 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x27mo CFCFS2854: Significant time in profession - Clayton Comments: 20yrs time in profession | ||||||||||||||
| 2171501 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >10 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 10 years. | ||||||||||||||
| 2171791 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 5yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 6yrs time in profession | ||||||||||||||
| 2194452 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 11 years and 9 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 758 is 98 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.84% LTV below guideline requirements of 85.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years and 10 months | ||||||||||||||
| 2171544 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.91 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75.81 is less than the max of 85. | ||||||||||||||
| 2171993 | XXXXXX | KS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | (No Data) | ||||||||||||||
| 2171792 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x59 mortgage payment history exceeds guideline of 0x30x12. CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at current residence. | ||||||||||||||
| 2171480 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x71mo | ||||||||||||||
| 2172196 | XXXXXX | UT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | C | A | A | A | C | A | A | A | C | N/A | A | A | Property Valuations | Property | Satisfied | C | A | C | A | XXXX | Property Issues Indicated | No | The exterior property inspection shows a property type of manufactured home which is an ineligible property type per guidelines. | 4.10.2026 Client provided updated AVM with correction as SFR vs Manuf Home however Condition says Average and states: Subject is well maintained manufactured home needs no repairs. Condition remains, condition comment still reflect as being a manufactured home. 4.15.2026 Client provided updated PCI with corrections | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.10 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 FICO exceeds guideline of 700. |
| 2171802 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 29 years and 9 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 48.50% LTV below guideline requirements of 85.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 23 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 740 is 80 points above program guideline minimum of 660. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | ||||||||||||||
| 2194318 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence For 5 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.67% below guideline requirement 45.00%. | ||||||||||||||
| 2172103 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 57 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.65% DTI below guideline requirement of 45%. | ||||||||||||||
| 2194472 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 32% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 55% | ||||||||||||||
| 2171653 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 69.96% below guideline requirements 80.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 6 years. | ||||||||||||||
| 2171545 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.99% DTI below guideline requirement of 50%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 53 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171654 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.48% below guideline requirement 45.00%. | ||||||||||||||
| 2171546 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation non-borrowing spouse (XXX) received an accurate CD (4/3/2026) 3 business days prior to closing (XXX). If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/27/2026 Client provided Disclosure History reflecting Initial CD was also sent via XXX04/03. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 20 years and 1 month CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 32 years and 9 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 38.97% LTV below guideline requirements of 80.00% per program. |
| 2171511 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25.71% is less than the max of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV of 45.14% is less than the max of 80%. | ||||||||||||||
| 2194329 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.10 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.60 is less than the max of 90. | ||||||||||||||
| 2194526 | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 9+ years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.80 is less than the max of 45. | ||||||||||||||
| 2194429 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $1,591 per month. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 40.37 is less than the max of 75. | ||||||||||||||
| 2171995 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 52.24% max per guidelines is 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 24 years. | ||||||||||||||
| 2194441 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 33% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 22% | ||||||||||||||
| 2135491 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance $189.75 due to increase in Title Exam & Title Doc Prep on LE 10/14/25 without a valid CoC.Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping | 12/24/25 Client provided COC dated 10/13/25 with valid reasons documented for added title fees. Fees were re-tested with no issues. Condition satisfied | 12/24/25 Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 734 is above the minimum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70.19%; guidelines allow 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 42.31%; guidelines allow 45% |
| 2171518 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | The test APR is 9.402%, the benchmark APR is 5.75% resulting in a difference of 3.652%, max difference allowed is 3.500%. | 4/17/26 Client provided confirmation of rate lock date as 3/23/26. Date was confirmed however condition is driven by exceeding Adjusted Charges of $4206.15 (max. allowed is $4139). Due to missing Split Fee disclosure, full amount of $450 for title settlement was included (CompEase doc in file is only including $185) Condition remains. 4.22.2026 Client provided Split Fee worksheet, fees re-tested. QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 19 years and 2 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.34% DTI is below guideline requirement of 45.00%. |
| 2171481 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 7 years at current job. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history. | ||||||||||||||
| 2171997 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Homeowners Counseling Organizations List dated 3/23/2026 was not provided to the borrower within days of the application date of 3/13/2026. | 04/16/2026 Client provided missing List of homeowners counseling organizations dated 03/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 12.1 years current residence time CFCFS5269: Minimal use of credit - Clayton Comments: 25% revolving credit utilization |
| 2171997 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial Loan Estimate dated 3/23/2026 was not provided to the borrower within 3 days of the application date 3/13/2026. | 04/16/2026 Client provided the missing Initial LE 3/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 12.1 years current residence time CFCFS5269: Minimal use of credit - Clayton Comments: 25% revolving credit utilization |
| 2194525 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 13 years and 3 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 53.44% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 791 is 131 points above program guideline minimum of 660. | ||||||||||||||
| 2171785 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 26% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 10 years at current residence | ||||||||||||||
| 2171722 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 28 years current residence time CFCFS5269: Minimal use of credit - Clayton Comments: 9.00% revolving credit utilization CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 25.7 years current job time | ||||||||||||||
| 2171655 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Insurance | Satisfied | C | A | C | A | XXXX | Insurance Effective date is greater than the transaction date | No | Missing current policy that was in effective at time of closing XXX, policy in file effective date is 3.29.26 | 3.27.2026 Client provided LOX stating, Please see attached policy for prior term of insurance policy. Response, this HOI policy appears to be same in file with effective date 3.29.2026 however subject closing XXX; condition remains 4.8.2026 Client provided prior subject HOI policy | Condition satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 12 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed for 22 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been XXX for 17 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 54.60% max per guidelines is 90%. |
| 2171681 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 63 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.21% CLTV below guideline requirements of 75% per program. | ||||||||||||||
| 2172238 | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 04/08/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 03/03. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 4 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 4 years. |
| 2194604 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 67% | ||||||||||||||
| 2194291 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not in file | No | Missing List of Homeowners Counseling Organizations. | 06/18/2026 Client provided missing List of homeowners counseling organizations dated 05/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence>19 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job > 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 47.26% below guideline requirements 90.00%. |
| 2171519 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 17yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 18yrs time at current residence | ||||||||||||||
| 2194359 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 66.06% below guideline requirements 90.00%. | ||||||||||||||
| 2194464 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 07/02/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 06/08. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.51% CLTV below guideline requirements of 90% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 38 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2194442 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 4/14/2026, the Housing Counselors List was not issued until 4/20/2026. Greater than the required 3 days | 06/19/2026 Client provided missing List of homeowners counseling organizations dated 04/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 52.22% CLTV below guideline requirements of 85% for loans with DTI 45.01% to 50%, subject is 46.69%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Current job since 05/02/2016. |
| 2194442 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 4/14/2026, the initial LE was not issued until 4/20/2026. Greater than the required 3 days | 06/19/2026 Client provided missing Initial LE 4/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 52.22% CLTV below guideline requirements of 85% for loans with DTI 45.01% to 50%, subject is 46.69%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Current job since 05/02/2016. |
| 2172104 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.65% CLTV below guideline requirements of 85% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 66 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171745 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 53.25 is less than the max of 75. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Current job since 7/10/2000. | ||||||||||||||
| 2171637 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 31 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 59.37% CLTV below guideline requirements of 80% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.33% DTI below guideline requirement of 50%. | ||||||||||||||
| 2171682 | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing Home Mortgage Information Document in the loan file. | 04/14/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 03/09. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 8 years at current residence. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history. |
| 2194376 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Mortgage/Deed in file is incomplete | No | Missing page 1 of the Deed of trust. | 06/19/2026 Client provided the fully executed, all pages of the 6/6 Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: 59 mos. mtg. payment history. 0X30,60,90 days. Paid as agreed. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25.5 years current job time |
| 2194376 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing proof that HELOC has been paid and closed to future draws | No | Missing HELOC payoff and close letter | 6/19 Client provided HELOC payoff and closure letter | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: 59 mos. mtg. payment history. 0X30,60,90 days. Paid as agreed. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25.5 years current job time |
| 2194532 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.20% LTV below guideline requirements of 80.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171537 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 29.29% CLTV below guideline requirements of 75% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 71 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2194611 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.38% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 1 month CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job; 14 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.52% LTV below guideline requirements of 75.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | ||||||||||||||
| 2171793 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.77% LTV below guideline requirements of 80.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 18 years and 1 month CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 17 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 733 is 73 points above program guideline minimum of 660. | ||||||||||||||
| 2171683 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $908 per month. CFCFS1734: Borrower has significant time at current job - Clayton Comments: On job since 03/11/2013. | ||||||||||||||
| 2171684 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 6 years and 3 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years | ||||||||||||||
| 2171951 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Title | Satisfied | C | A | C | A | XXXX | Title Does Not Agree With Mortgage | No | Title vesting reads XXX AND XXX, HUSBAND AND WIFE AS JOINT TENANTS but Deed of Trust reads XXX, UNMARRIED MAN. | 4.10.2026 Client provided copy of Certificate of Death for XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 38 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 714 FICO exceeds guideline of 660. |
| 2194416 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 36% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 51% | ||||||||||||||
| 2172197 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.24 is less than the max of 90. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.14 is less than the max of 50. | ||||||||||||||
| 2171794 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 2/13/2026, the Initial LE was not issued until 02/20/2026. Greater than the required 3 days. | 4/17/26 Client provide initial LE 2/17/26. Disclosure was tested with no issues. Condition is satisfied | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 8yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 11yrs time in profession |
| 2171520 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation non-borrowing spouse (XXX) received an accurate CD (4/2/2026) 3 business days prior to closing (XXX). If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 4/22/26 Client provided confirmation initial CD was mailed to NBS, mailing rule was applied and tested. Condition satisfied | 4/22/26 Condition satisfied | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 13 years and 11 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 41.66% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 13 years and 1 month CFCFS1744: DTI below guideline requirement - Clayton Comments: 18.18% DTI is below guideline requirement of 45.00%. |
| 2194454 | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 20 years and 1 month CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 8 years and 2 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 738 is 78 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.20% LTV below guideline requirements of 80.00% per program. | ||||||||||||||
| 2194500 | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 28% | ||||||||||||||
| 2171746 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Primary Borrower did not confirm receipts of sign of CD 4/8/26. Confirmation for 2nd Borrower found on page 488. | 04/23/2026 Client provided Disclosure history reflecting CD 48 was provided sent to both Borrowers 4/8. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 9.9 years current residence time CFCFS5269: Minimal use of credit - Clayton Comments: 9.00% revolving credit utilization |
| 2194407 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1737: LTV below guideline requirements - Clayton Comments: 40.52% LTV below guideline requirements of 75.00% per program. | ||||||||||||||
| 2171685 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 5 years current residence time CFCFS1739: Positive mortgage payment history - Clayton Comments: 38 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. | ||||||||||||||
| 2194590 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.75% CLTV below guideline requirements of 85% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 54 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171705 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 14yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 5yrs time at current residence | ||||||||||||||
| 2171998 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 57.52% below guideline requirements 80.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 11 years. | ||||||||||||||
| 2171547 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10.6 years current job time CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $95,780 in revolving/installment debt paid at close CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12.10 years current job time | ||||||||||||||
| 2194460 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing Ohio Home Mortgage Information Document. | 06/30/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 05/21. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.22% LTV below guideline requirements of 90.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.01% DTI is below guideline requirement of 45.00%. |
| 2171999 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.87 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 56.59 is less than the max of 80. | ||||||||||||||
| 2171656 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that XXX#XXX showing as a mortgage on credit was paid off and closed. Guidelines allow no more than two mortgage liens on a single property. If this is not really a mortgage then the monthly payment needs to be included in the housing expense ratio. The lender did not include the payment. | 4.14.2026 Client provided LOX stating, There is not a HELOV on credit. XXX is a home improvement loan and XXX is not a mortgage company. This is more of a home improvement installment loan. Title only has a 1st mortgage. Response, (a). please clarify reason the $414 was not included in DTI and (b). credit report reflect as Mtg and is listed on REO as a debt on subject property, will need to verify not being a Mtg. 4.16.2026 Client provided Lender updated 1008 including monthly payment of $414 for XXX #XXX however missing (a). copy of 1003 with debt being reflected in the liabilities and (b). verify this is not a mtg, credit report showing as a mtg. 4.22.2026 Client provided updated 1003 included XXX monthly payment of $414 in liabilities and updated Title reflecting no other liens, only subject 1st lien reflected on Title. | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x64 mortgage payment history exceeds guideline of 0x30x12. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.77 DTI below guideline of 45. |
| 2172198 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.57% below guideline requirement 45.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 59.70% below guideline requirements 75.00%. | ||||||||||||||
| 2171747 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.32 DTI below guideline of 45. | ||||||||||||||
| 2171638 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 52.44% max per guidelines is 85%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed for 26 years. | ||||||||||||||
| 2171952 | XXXXXX | LA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 25yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x27mo | ||||||||||||||
| 2171748 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 10 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 25 months | ||||||||||||||
| 2194571 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.78% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 744 is 44 points above program guideline minimum of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171922 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.55% below guideline requirement 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 21 years at current job | ||||||||||||||
| 2194537 | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x33 CFCFS1736: Significant time at current residence - Clayton Comments: 32 yrs time at current residence | ||||||||||||||
| 2172134 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 6 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 24+ months | ||||||||||||||
| 2194348 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 12yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 9yrs time in profession | ||||||||||||||
| 2171837 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.15 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 729 FICO exceeds guideline of 660. | ||||||||||||||
| 2194319 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | XXXX | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan). | 06/18/2026 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 05/12. Condition remains. Provide the RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure - (Home Loan), a separate Disclosure. 06/22/2026 Client provided another copy of the High Cost RI Disclosure, this one unsigned and just page 2 of the other document. Provide all pages of the RI Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), signed by all parties for review.06/23/2026 Client provided another copy of the (High Cost) RI Disclosure document. The condition remains and is for the specific (Home Loan) version of the Prohibited acts Disclosure signed by all. 06/25/2026 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 5/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 25.10 years current job time CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15 years current job time CFCFS2854: Significant time in profession - Clayton Comments: B1 has 28 years in same line of work/profession |
| 2194319 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | XXXX | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost). | 06/18/2026 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 05/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 25.10 years current job time CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15 years current job time CFCFS2854: Significant time in profession - Clayton Comments: B1 has 28 years in same line of work/profession |
| 2194381 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 8 years and 11 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.38% LTV below guideline requirements of 75.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 13 years and 3 months | ||||||||||||||
| 2172131 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 39% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 36 years at current job | ||||||||||||||
| 2194606 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.21% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 15 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 801 is 141 points above program guideline minimum of 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 19 years and 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 38.71% LTV below guideline requirements of 90.00% per program. | ||||||||||||||
| 2172199 | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.46 DTI below guideline of 45. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x31 mortgage payment history exceeds guideline of 0x30x12. | ||||||||||||||
| 2171795 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 25 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7.11 years current job time | ||||||||||||||
| 2171953 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 72.97 is less than the max of 80. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.33 is less than the max of 50. | ||||||||||||||
| 2194485 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Notary Status is missing | No | Missing Notary Signature, Printed Name, County, Commission Expiration, Acting County and Stamp. | 06/24/2026 Client provided an all purpose Acknowledgement Notary, however the bottom part is not complete. Condition remains. Provide the fully executed notary page reflecting the documents it is attached to. 06/29/2026 Client provided the fully recorded Mortgage including the all purpose Notary page as page 20 of 25. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: 52 mos. mtg. payment history. 0X30,60,90 days. Paid as agreed. CFCFS5269: Minimal use of credit - Clayton Comments: 16% revolving credit utilization |
| 2171796 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 FICO exceeds guideline of 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19 years at current job. | ||||||||||||||
| 2171954 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 35% | ||||||||||||||
| 2171686 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 12 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 39.64% below guideline requirements 90.00%. | ||||||||||||||
| 2171596 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations 02/11/2026 was not provided to the borrower within 3 days of the application date of 01/26/2026. | 4/22/26 Client provided HOCL dated 1/27/26. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $1,670 a month. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 56.68% is less than the max of 75%. |
| 2171596 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | LE 02/11/2026 was not provided to the borrower within 3 days of the application date of 01/26/2026. Additionally, the Intent to Proceed Confirmation (pg 505) reflects Initial LE was sent 01/27/2026. | 4/22/26 Client provided initial LE 1/27/26. Disclosure was tested with no issues. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $1,670 a month. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 56.68% is less than the max of 75%. |
| 2171925 | XXXXXX | CO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 11 years at current residence | ||||||||||||||
| 2172156 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.09 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 712 FICO exceeds guideline of 660. | ||||||||||||||
| 2194401 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been owning the property > 5 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >24 years at current job | ||||||||||||||
| 2171749 | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 10 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 11 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.44% below guideline requirement 45.00%. | ||||||||||||||
| 2194382 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6.10 years current job time CFCFS1736: Significant time at current residence - Clayton Comments: 11.1 years current residence time | ||||||||||||||
| 2171706 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.21% DTI below guideline requirement of 45%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 45 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171955 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 22% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 44% | ||||||||||||||
| 2194270 | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.40% LTV below guideline requirements of 80.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | ||||||||||||||
| 2171821 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document. | 4/22/26 Client provided Home Mortgage Information Document. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.41% DTI below guideline of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 730 FICO exceeds guideline of 660. |
| 2171750 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | XXXX | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/02/2026 Client provided Disclosure History reflecting Initial CD was also sent via XXX 01/15. Mail rule applies making the earliest closing date XXX. Actual closing date XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 689 FICO exceeds guideline of 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10 years at current job. |
| 2171750 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Credit | DTI | Satisfied | D | A | D | A | XXXX | Missing verification of some or all components of non-subject PITI | No | Missing hazard insurance policy for XXX | 3.6.2026 Client provided email LOX from non purchasing spouse an other party stating this property: XXX is fathers property and our borrower is only on this property/deed due to fathers health and father will not give our borrower any documentation pertaining to his home, etc. further stating having absolutely nothing to do with the fathers property, only on the deed in case of emergency. Condition remains for (a). LOX provided don't appear to be coming from Borrower (XXX) and (b). provide copy of property profile for this property in question for further review, appears to be free and clear of liens and possibly no HOI; DTI max is 45% with current DTI of 44.39%. 3.16.2026 Client provided copy of XXX for property XXX which reflect Seller name as XXX and Buyer name: XXX (which appears to be our borrower name), Seller name is XXX and Buyer name appears to be Borrower name. Condition remains 3.24.2026 Client provided LOX stating, what is needed to clear this condition. Response, appears with documentation previously reviewed it appears our borrower name is part of this property, last documentation XXX reflect Seller name is XXX and Buyer name is our Borrower which supports this as being in Borrower name. Upon further review, borrower has never had any residence at XXX and is just on the deed for inheritance purposes. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 689 FICO exceeds guideline of 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10 years at current job. |
| 2171845 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 33 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.45 is less than the max of 45. | ||||||||||||||
| 2171625 | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial Loan Estimate dated 4/2/2026 was not provided to the borrower within 3 days of the application date 3/25/2026 | 04/30/2026 Client provided the missing Initial LE 3/30. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 14yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x24 |
| 2194405 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 20.96% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 16 years and 7 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 34.38% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 21 years and 5 months | ||||||||||||||
| 2171812 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x30mo CFCFS2854: Significant time in profession - Clayton Comments: 23yrs time in profession | ||||||||||||||
| 2194336 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 31 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 8 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 26.71% LTV below guideline requirements of 80.00% per program. | ||||||||||||||
| 2172157 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $9,046.30, max allowed is $8,926.27; $120.03 too high). | 4.22.2026 Client provided some initial documents however with review of documents no changes made, initial condition remains. 4.24.2026 Client provided LOX stating, We agree with the finding and have updated our system of record accordingly. Non QM | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 81.56% LTV below guideline requirements of 90.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 7 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.10% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years |
| 2172157 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $2433 due to File is missing the Loan Estimates. Provide the missing LE's for further testing. | 04/21/2026 Client provided missing Initial Disclosures including LE 3/18 with SPL. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 81.56% LTV below guideline requirements of 90.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 7 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.10% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years |
| 2172157 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | File is missing the Loan Estimates. Provide the missing LE's for further testing. | 04/21/2026 Client provided missing Initial Disclosures including LE 3/18 with SPL. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 81.56% LTV below guideline requirements of 90.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 7 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.10% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years |
| 2172157 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | XXXX | TRID - Loan Estimate Missing | No | Missing Initial Loan Estimate. | 04/21/2026 Client provided missing Initial Disclosures including LE 3/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 81.56% LTV below guideline requirements of 90.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 7 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.10% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years |
| 2171838 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.64% below guideline requirements 90.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. | ||||||||||||||
| 2194598 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 2.00% revolving credit utilization CFCFS1736: Significant time at current residence - Clayton Comments: 26.7 years current residence time | ||||||||||||||
| 2194439 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 735 is 35 points above program guideline minimum of 700. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 8 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.67% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2194347 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 11.2 years current residence time CFCFS5269: Minimal use of credit - Clayton Comments: 9.00% revolving credit utilization CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8.9 years current job time | ||||||||||||||
| 2194334 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 32.2 years current job time CFCFS1739: Positive mortgage payment history - Clayton Comments: 49 mos. mtg. payment history. 0X30,60,90 days | ||||||||||||||
| 2172158 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 24% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: There is no late payments on the mortgage history | ||||||||||||||
| 2172001 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document is missing in the file. | 04/20/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 03/04. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.74% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.78% LTV below guideline requirements of 90.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years and 1 month |
| 2172254 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: On current job since 9/15/2005. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 10 years. | ||||||||||||||
| 2171943 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.95% DTI below guideline requirement of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 58.82% CLTV below guideline requirements of 75% per program. | ||||||||||||||
| 2194573 | XXXXXX | NM | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | ||||||||||||||
| 2171797 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Homeowners Counseling Organizations List dated 2/25/2026 was not provided to the borrower within 3 days of the application date of 02/11/2026. | 04/16/2026 Client provided missing List of homeowners counseling organizations dated 02/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 56%. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: The borrower has no late payments on the mortgage history. |
| 2171797 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | XXX- 04/10/2026- Client provided an approved exception for missing T.42 Title Endorsement. | XXX- 04/10/2026- Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 56%. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: The borrower has no late payments on the mortgage history. |
| 2171797 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | XXX- 04/10/2026- Client provided an approved exception for missing T.42.1 Title Endorsement. | XXX- 04/10/2026- Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 56%. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: The borrower has no late payments on the mortgage history. |
| 2171797 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial Loan Estimate dated 2/25/2026 was not provided to the borrower within 3 days of the application date of 02/11/2026. | 04/16/2026 Client provided the missing Initial LE 2/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 56%. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: The borrower has no late payments on the mortgage history. |
| 2171521 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document. | 4/17/26 Client provided initial Home Mortgage Information Document. Condition satisfied | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 62.60% below guideline requirements 90.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.18% below guideline requirement 45.00% |
| 2171834 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $2,676.12, max allowed is $2,469.26; $206.86 too high). | 04/13/2026 Client provided the fee split for proper allocation of Affiliate fees. QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x31. CFCFS2854: Significant time in profession - Clayton Comments: 20 yrs time in profession. |
| 2171834 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | Section 32 | Satisfied | C | A | C | A | XXXX | Section 32 Loan per Points and Fees Test | No | Section 32 threshold calculation: Maximum charges $2,469.26 Adjusted charges $2,676.12 ($206.86 difference). Total charges of 5.419% exceeds the AL High-Cost Loan threshold Maximum Charge of 5.00%. Additionally, Missing Fee Split to determine which fees were paid to Affiliate/Other. | 04/13/2026 Client provided the fee split for proper allocation of Affiliate fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x31. CFCFS2854: Significant time in profession - Clayton Comments: 20 yrs time in profession. |
| 2171914 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.52 is less than the max of 75. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by at least $600 a month. | ||||||||||||||
| 2194607 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation borrowing spouse (XXX) received an accurate CD 3 business prior to closing. XXX Electronic Evidence provided dated 06/04/2026 was incomplete/missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 06/30/2026 Client provided a duplicate copy of the CD 6/4 with e-signatures for both reflecting a cash out amount of $1,440.64. Condition remains for evidence the CD 6/4 reflecting a cash out amount of $3,727.99 was received by XXX or if unable to provide, the exception will be satisfied a 2B using the signed documents at closing.07/02/2026 Client provided a collaborate Comment: satisfy as 2B using signed CD from closing. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 Significant time with employer and profession, 20 years. B2 has 24 years with employer and profession. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 47 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2172200 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing in file. Provide evidence of timely receipt of disclosure. | 04/22/26 Client provided Home Mortgage Information Document. Condition satisfied | 04/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.95 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 718 FICO exceeds guideline of 700. |
| 2171751 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower has been in the same line of work for 26 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 59 months | ||||||||||||||
| 2172239 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document. | 5/1/26 Client provided OH CSPA; Home Mortgage Information Document dated 3/31/26. Condition satisfied | 5/1/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: 46 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. CFCFS5269: Minimal use of credit - Clayton Comments: 16% revolving credit utilization |
| 2172239 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation Non Borrower (XXXX) received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated 04/13/2026 was incomplete; missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 5/1/26 Client provided evidence initial CD was emailed to NBS. Condition is satisfied to 1/A | 5/1/26 Condition satisfied | Not Applicable | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: 46 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. CFCFS5269: Minimal use of credit - Clayton Comments: 16% revolving credit utilization |
| 2194484 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | D | A | A | A | D | A | C | A | D | N/A | A | A | Credit | Insurance | Satisfied | C | A | C | A | XXXX | Insurance Effective date is greater than the transaction date | No | Insurance Effective date 430/26 is greater than the transaction date XXX | 5/7 Client provided the prior policy from 4/30/25-4/30/26 | satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 50.57% below guideline requirements 85.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 37 years. |
| 2194484 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | D | A | A | A | D | A | C | A | D | N/A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | XXXX | Completed "Subject To" w/o Completion Cert in File | No | Appraisal is 'Subject to' repairs. File is missing final inspection report. | 4.28.2026 Client provided some photos of handrail appears to have been installed and Rear door having a latch of some sort however condition remains for appraiser to provide re-inspection along with 1004D regarding the requested items. 5.6.2026 Client provided a XXX with repairs being self completed along with photos of items worked, however still missing 1004D completed by appraiser 5.11.2026 Client provided LOX stating, UW management response: XXX is an approved vendor to use in lieu of a 1004d. All repairs are noted on the report with photos and all pertinent information. Response, approved vendor in lieu of a 1004D by current Client. 6.22.2026 Client provided 1004D with completion of initial appraisal requested items, along with photos provided, 1004D does not appear to have been completed by same original appraiser | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 50.57% below guideline requirements 85.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 37 years. |
| 2194475 | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 12 years at current residence CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | ||||||||||||||
| 2171752 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.81% CLTV below guideline requirements of 85% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 53 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171753 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $304.05 monthly taxes for the subject property. Taxes are not escrowed. | 4.6.2026 Client provided copy of tax bill supporting $304.05 for subject | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.87% DTI below guideline of 45%. |
| 2172002 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 819 qualifying score, exceeds guide lines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 10 years at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 23.37% is below lender's guide line maximum of 45%. | ||||||||||||||
| 2194422 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 71% | ||||||||||||||
| 2171626 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.04 is less than the max of 80. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.92 is less than the max of 45. | ||||||||||||||
| 2171702 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 27 months CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 31 years | ||||||||||||||
| 2172003 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 10 years and 2 months CFCFS5269: Minimal use of credit - Clayton Comments: B1 has only made use of 3.00% of an available $39,870.00 revolving credit line. | ||||||||||||||
| 2194468 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 FICO exceeds guideline of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x72 mortgage payment history exceeds guideline of 0x30x12. | ||||||||||||||
| 2171471 | XXXXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 02/11/2026, the Housing Counselors List was not issued until 03/02/2026. Greater than the required 3 days. | 4/22/26 Client provided HOCL dated 2/11/26. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 15yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 18yrs time in profession |
| 2171471 | XXXXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation Non- borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 4/22/26 Per client's request, condition is satisfied as 2/B as client is unable to provide NBS confirmation of initial CD. | 4/22/26 Condition satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 15yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 18yrs time in profession |
| 2171471 | XXXXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 02/11/2026, the Initial LE was not issued until 03/02/2026. Greater than the required 3 days. | 4/22/26 Client provided initial LE 2/11/26. Disclosure was tested with no issues. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 15yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 18yrs time in profession |
| 2171471 | XXXXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $58.80 due to (Transfer Taxes Aggregate) increased from LE $300 to CD $358.80. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 4/22/26 ** UPDATED COMMENTS ** Client provided initial LE. During testing the disclosure, new 0% tolerance triggered due to increase in Discount Points from $2380 on LE 3/3/26 ( rate was locked ) to $5387.98 on final CD 4/10/26. COC in file dated 3/7/26 indicates DTI changes however corresponding disclosure dated 3/9/26 is missing in file. COC dated 4/1/26 indicates loan amount increase from $XXX to $XXX resulting change in LTV/ Discount Points - invalid reason as loan amount, per COC, has not increased. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund in the amount of $3007.98 and proof of delivery via shipping that includes tracking information.04/29/2026 Client provided collaborate comment: There was no LE provided to the borrower on 3/9/2026, however the COC was not removed from the file and included in error in the submission file for review. After additional reviews of the loan data, the initial CD was provided to the borrower on 3/10/2026 disclosing the change in the discount points due to the increase in the borrowers DTI during the UW process. Please see the COC for the initial CD. COC for 4/1 also contained an error, and correct verbiage should have stated that the loan amount increased from $XXX to $XXX. Please see the corrected COC for the 4/1/2026 CD. Also provided COC 3/7 reflecting Point increase due to DTI on CD 3/10 with COC 4/1 reflecting Loan Amount increase due to LTV change resulting in creased Poinyts on CD 4/1. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 15yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 18yrs time in profession |
| 2172105 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations provided 3/30/26. Initial Application 3/24/26. | 04/24/2026 Client provided the Initial Disclosures included the missing List of homeowners counseling organizations dated 3/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 69 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 53.30% CLTV below guideline requirements of 90% per program. |
| 2172105 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 3/24/2026, the initial LE was not issued until 3/30/2026. Greater than the required 3 days | 04/24/2026 Client provided the Initial Disclosures included the LE 3/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 69 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 53.30% CLTV below guideline requirements of 90% per program. |
| 2172106 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 21+ years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Employed since 9/14/1999. | ||||||||||||||
| 2172130 | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | XXXX | Missing disclosure | No | Missing LE:2/17/2026. | 04/10/2026 Client provided missing Initial LE 2/17. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 31.67% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.50% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years and 1 month |
| 2172201 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: CB has 25.1 years in same line of work/profession CFCFS5269: Minimal use of credit - Clayton Comments: 35% revolving credit utilization CFCFS1736: Significant time at current residence - Clayton Comments: 13 years current residence time | ||||||||||||||
| 2172004 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 51.48 is less than the max of 90. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.15 is less than the max of 45. | ||||||||||||||
| 2194433 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | XXXX | Income verification does not meet guidelines | No | B1 Missing a complete two earning history -2025 W2 provided wages and taxes are blank | 6.30.2026 Client provided legible copy of 2025 w2 for B1 | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 9yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 6yrs time at current residence |
| 2194450 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 32 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 54.18% CLTV below guideline requirements of 85% per program. | ||||||||||||||
| 2171627 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 20yrs time in profession CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x65 | ||||||||||||||
| 2194490 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 40% | ||||||||||||||
| 2171687 | XXXXXX | SD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 38 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.76% CLTV below guideline requirements of 80% per program. | ||||||||||||||
| 2172107 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 34% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 9 years on current job | ||||||||||||||
| 2172240 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 26 years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit, 24% revolving credit utilization. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $12,378 in revolving debt paid at close | ||||||||||||||
| 2194332 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.93 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 62.67 is less than the max of 80. | ||||||||||||||
| 2171483 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.60 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 FICO exceeds guideline of 660. | ||||||||||||||
| 2171730 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 54.45 is less than the max of 85. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 10 years. | ||||||||||||||
| 2171723 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 36.94% LTV below guideline requirements of 75.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 14 years and 9 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 15 years CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.08% DTI is below guideline requirement of 45.00% | ||||||||||||||
| 2171424 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of Homeowners Counseling Organizations dated 03/17/2026 was not provided to the borrower within 3 days of the application date of 03/09/2026. | 04/08/2026 Client provided missing List of homeowners counseling organizations dated 03/10. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 12yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x51 |
| 2171424 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | ROR - Right of Rescission not executed by all title holders | No | Missing Right of Rescission for Co Borrower XXX. | 5/1/26 Client provided new ROR issued to both borrowers/ title holders with dates allowing for delivery and full 3 days of rescission ending 4/29/26, XXX slip confirming the delivery. Condition satisfied to 2/B | 5/1/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 12yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x51 |
| 2171424 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | LE dated 03/17/2026 was not provided to the borrower within 3 days of the application date of 03/09/2026. | 04/08/2026 Client provided the Initial Disclosures included LE 3/10. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 12yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x51 |
| 2171424 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - CD: Loan consummated before end of waiting period | No | Provide documentation both borrower and co-borrower received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/08/2026 Client provided duplicate of CD 3/25 e-signed by both on 03/25. Condition remains for evidence of delivery for Initial CD 3/23 to both Title holders. 04/10/2026 Client provided Disclosure History reflecting Initial CD was also sent via XXX 03/23. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX. Condition remains. Provide evidence of the Both receiving the Initial CD 3/23 a minimum of 3 business days prior to closing or exception will be a satisfied non-material 2B using the signed documents at closing.04/15/2026 Client provided again, a duplicate copy of the Interim CD 3/25. Condition remains for evidence of receipt by both of the Initial CD 3/23 a minimum of 3 days prior to closing. 04/22/2026 Client provide collaborate comment: An accurate Closing Disclosure was issued on 3/25/2026. Both borrowers acknowledged receipt of the Closing Disclosure on 3/25/2026, and the loan consummated on XXX, meeting the three business day timing requirement. There is no regulatory requirement that the initial Closing Disclosure mailed on 3/23/2026 be received three business days prior to consummation. The regulation only requires that the borrower receive an accurate Closing Disclosure at least three business days before consummation, which occurred in this case. Condition remains. All title holders are entitled to received all CD's. If unable to provide, the exception can be Satisfied a 2B using the Final CD and ROR's from closing once the missing ROR is received for XXX04/28/2026 Client provided collaborate comment: Unable to provide documentation for Non-borrowing spouse received CD 3 days prior. Please satisfy with final grade B. | Condition Satisfied. 2B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 12yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x51 |
| 2172241 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 51% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 20 years at current residence | ||||||||||||||
| 2194605 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 16% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 40 years at current residence | ||||||||||||||
| 2171425 | XXXXXX | ND | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 49.72% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.84% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 768 is 108 points above program guideline minimum of 660. | ||||||||||||||
| 2194474 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 73.70 is less than the max of 85. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.79 is less than the max of 45. | ||||||||||||||
| 2172202 | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 41.43% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 11 years and 5 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 15 years | ||||||||||||||
| 2171798 | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Employed since 12/17/2007. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $944 per month. | ||||||||||||||
| 2171731 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.90% CLTV below guideline requirements of 80% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 76 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2194549 | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 6.26.26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.81% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years and 6 months |
| 2194549 | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 6/26/26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.81% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years and 6 months |
| 2171854 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 15 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 33 years at current job | ||||||||||||||
| 2171799 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.05% DTI is below guideline requirement of 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 766 is 106 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 54.02% LTV below guideline requirements of 90.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 8 years and 4 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years | ||||||||||||||
| 2171884 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x44mo | ||||||||||||||
| 2171426 | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 22% revolving credit utilization CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26.5 years current job time | ||||||||||||||
| 2171427 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 17.42% is below lender's guide lines of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 817 qualifying score exceeds guide lines. | ||||||||||||||
| 2171724 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 15yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 7yrs time at current residence | ||||||||||||||
| 2171597 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 44.5% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 17 years at current residence | ||||||||||||||
| 2172108 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 37.53% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 12 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 11 years CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.51% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2194448 | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $362 per month. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 20.90 is less than the max of 45. | ||||||||||||||
| 2194301 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Title | Satisfied | D | A | D | A | XXXX | Missing Title | No | Provide title. | 6.30.2026 Client provided LOX stating, This loan closed without title insurance, therefore, there is no commitment.Response, condition remains for Owner and Encumbrance Property Report 7.1.2026 Client provided copy of Property Summary Title Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65.12 is less than the max of 90. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.53 is less than the max of 45. |
| 2194317 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.28 is less than the max of 80. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.26 is less than the max of 45. | ||||||||||||||
| 2194338 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Insurance | Satisfied | C | A | C | A | XXXX | Insurance Effective date is greater than the transaction date | No | File is missing most recent insurance policy document | 6/24 Client provided evidence of insurance in effect at close | Satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 38.09% below guideline requirement of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 51.76% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months |
| 2194399 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 25 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 29.57 is less than the max of 75. | ||||||||||||||
| 2194360 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.97% CLTV below guideline requirements of 75% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 63 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171484 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 11 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has> 20 years at current job | ||||||||||||||
| 2171803 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.49% DTI below guideline of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 681 FICO exceeds guideline of 660. | ||||||||||||||
| 2171908 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | XXXX | Missing disclosure | No | Missing LE 03/13/2026. Only Revised LE 03/16/2026-1 and LE 03/16/2026-2 in file. | 4/17/26 Client provided initial LE 3/13/26. Disclosure was tested with no issues. Condition satisfied | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 34% |
| 2171732 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | N/A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | XXXX | Appraisal Deficiency | No | Subject property is investor. Appraisal pg. 1 occupancy to be corrected. Currently states owner occupied. | 4.23.2026 Client provided updated exterior appraisal with occupancy corrected | Condition satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: 3.00% revolving credit utilization CFCFS2854: Significant time in profession - Clayton Comments: 10 years in same line of work/profession |
| 2172109 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 31.49% below guideline requirements 90.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 26 years. | ||||||||||||||
| 2171840 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 36% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 28 years at current residence | ||||||||||||||
| 2172203 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 21 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: borrowers have been at current residence for 8 years. |
| 2172203 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 4/15/26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 21 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: borrowers have been at current residence for 8 years. |
| 2172159 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $7450 for zero tolerance fees.A Broker Fee was added to the LE dated 03/03/2026. The COC does not mention the addition of this fee. | 4/17/26 Client provided COC dated 3/3/26. Condition satisfied to 1/A | 4/17/26 Condition satisfied | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed for 13 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 77.92% max per guidelines is 90%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed for 8 years. |
| 2194481 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | N/A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | XXXX | Income Documentation Missing | No | Missing B2 Retirement Income verification of $925.71 monthly. | 6.22.2026 Client provided evidence of B2 monthly pension benefit used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 41.50% CLTV below guideline requirements of 80% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 29 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2194481 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | N/A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | XXXX | Missing HOA Certificate/Questionnaire | No | Missing verification of HOA $21 monthly. | 6.22.2026 Client provided evidence of monthly $21.00 HOA | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 41.50% CLTV below guideline requirements of 80% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 29 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2194508 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 7yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 6yrs time in profession | ||||||||||||||
| 2172204 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 63.29% max per guidelines is 85%. | ||||||||||||||
| 2171428 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 23 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 44.98% below guideline requirements 80.00% | ||||||||||||||
| 2171429 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | C | A | D | A | A | A | D | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 02/19/2026, the Housing Counselors List was not issued until 02/25/2026. Greater than the required 3 days. | 04/08/2026 Client provided missing List of homeowners counseling organizations dated 02/19. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 Median FICO >40 points above guideline program minimum of 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 64 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2171429 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | C | A | D | A | A | A | D | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 02/19/2026, the Initial LE was not issued until 02/25/2026. Greater than the required 3 days. | 04/08/2026 Client provided missing Initial LE 2/19. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 Median FICO >40 points above guideline program minimum of 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 64 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2171429 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | C | A | D | A | A | A | D | N/A | C | A | Property Valuations | Property | Satisfied | D | A | D | A | XXXX | Missing HOA Certificate/Questionnaire | No | Missing verification of HOA verifying $35 monthly. | 4.7.2026 Client provided evidence of monthly HOA of $35.00 for subject property | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 Median FICO >40 points above guideline program minimum of 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 64 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2194576 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | Section 32 | Satisfied | C | A | C | A | XXXX | Section 32 Loan per Points and Fees Test | No | Section 32 threshold calculation: Maximum charges $2,533.38; Adjusted charges $2,647.71 ($114.33 difference). Total charges of 5.226% exceeds the fees test threshold Maximum Charge of 5.00%. Additionally, Missing Fee Split to determine which fees were paid to Affiliate/Other. | 06/29/2026 Client provided the Fee Split document for proper allocation of Affiliate fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 6 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 8 years. |
| 2194402 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.89% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 58.39% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 746 is 86 points above program guideline minimum of 660. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years and 2 months | ||||||||||||||
| 2194350 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | N/A | N/A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | XXXX | Loan parameters do not meet guidelines | No | Existing first lien is not seasoned for a minimum of 6 months. First lien origination date is XXX and the Note date of the new second lien is XXX or 177 days/5 months 26 days | Client provided an approved exception request for seasoning. | Upon further review by Senior Underwriter, exception is deemed non-material due to current 1st lien seasoned 5 months and 26 days. Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 47.55 DTI below guideline of 50. |
| 2194304 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.63% LTV below guideline requirements of 85.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.14% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2171639 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $4,849.57, max allowed is $4,305.81; $543.76 too high). | 4.28.2026 Client provided LOX stating, we agree with your finding that this loan is non QM | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 14 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 66% |
| 2194288 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | (No Data) | ||||||||||||||
| 2171733 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 3/9/2026, the Housing Counselors List was not issued until 3/16/2026. Greater than the required 3 days | 04/14/2026 Client provided missing List of homeowners counseling organizations dated 03/09. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been XXX for 11 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed for 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 79.54% max per guidelines is 85%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 12 years. |
| 2171733 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 3/9/2026, the initial LE was not issued until 3/16/2026. Greater than the required 3 days | 04/14/2026 Client provided the missing Initial LE 3/9. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been XXX for 11 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed for 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 79.54% max per guidelines is 85%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 12 years. |
| 2194556 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 25% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | ||||||||||||||
| 2171804 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | LE 03/23/2026 was not provided to the borrower within 3 days of the application date of 02/25/2026. Additionally, the Intent to Proceed Confirmation (pg 294) reflects an Initial LE was sent 03/02/2026. | 4/22/26 Client provided initial LE 3/2/26. Disclosure was tested with no issues. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 48.34% CLTV below guideline requirements of 75% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 99 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2194372 | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 4.00% revolving credit utilization | ||||||||||||||
| 2172005 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.35% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 20 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.51% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 794 is 134 points above program guideline minimum of 660. | ||||||||||||||
| 2171485 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 30 years and 2 months CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2194340 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 10 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 49% | ||||||||||||||
| 2194362 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 20YRS time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence | ||||||||||||||
| 2171856 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 17 years current residence time CFCFS1739: Positive mortgage payment history - Clayton Comments: 64 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. | ||||||||||||||
| 2194445 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 36+ months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 11 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 9 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 77.76% LTV below guideline requirements of 85.00% per program. | ||||||||||||||
| 2194595 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 5yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 10yrs time in profession | ||||||||||||||
| 2172160 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.90 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 FICO exceeds guideline of 660. | ||||||||||||||
| 2194320 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | XXXX | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | Missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan). | 06/19/2026 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 5/21. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.96 is less than the max of 75. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 30+ years. |
| 2194320 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | XXXX | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | Missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost). | 06/18/2026 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 05/21. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.96 is less than the max of 75. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 30+ years. |
| 2171916 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 58% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 19 years at current residence | ||||||||||||||
| 2171754 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.41 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.47 is less than the max of 80. | ||||||||||||||
| 2135623 | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | XXXX | Missing disclosure | No | Provide documentation Non Borrower (XXX) received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated 12/01/2025 was incomplete; missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/07/2026 Client provided Disclosure History reflecting Initial CD was also sent via XXX 12/01 to NBS. Mail rule applies making the earliest closing date XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 23 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 10 years. |
| 2194522 | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.93 is less than the max of 45. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 19+ years. | ||||||||||||||
| 2172161 | XXXXXX | AK | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 15 years time in profession | ||||||||||||||
| 2194511 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at current home CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 score with 660 min | ||||||||||||||
| 2171755 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $245.00 monthly HOA dues for the subject property showing on the 1008. | 4.21.2026 Client provided evidence of monthly subject HOA of $195.00 vs $245.00 and provided updated 1008 | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.42 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 FICO exceeds guideline of 660. |
| 2172006 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.75% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.25% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2194309 | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 14 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV s 37% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 37% | ||||||||||||||
| 2194367 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.87% DTI is below guideline requirement of 45.00%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 781 is 121 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.81% LTV below guideline requirements of 90.00% per program. | ||||||||||||||
| 2194548 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Satisfied | C | A | C | A | XXXX | XXX Equity - Closed before later of appl/discl + 12 days | No | Initial application was taken 05/14/2026. The Notice Concerning Extensions of Credit was not issued until 06/09/2026. | 06/30/2026 Client provided Notice concerning extensions 12 day dated 5/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 15 years in profession. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 74.56 is less than the max of 80. |
| 2194548 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | XXX- 06/25/2026- Client provided an approved exception for missing T.42 Title Endorsement | XXX- 06/25/2026- Initial and Final Grade B- | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 15 years in profession. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 74.56 is less than the max of 80. |
| 2194548 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | XXX- 06/25/2026- Client provided an approved exception for missing T.42.1 Title Endorsement | XXX- 06/25/2026- Initial and Final Grade B- | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 15 years in profession. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 74.56 is less than the max of 80. |
| 2171430 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 35yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 7yrs time at current residence | ||||||||||||||
| 2171909 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 4/16/26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 9yrs time at current residence |
| 2171909 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 4.16.26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 9yrs time at current residence |
| 2171564 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | DTI | Satisfied | D | A | D | A | XXXX | Missing verification of some or all components of non-subject PITI | No | Missing verification of property taxes for subject property. VOM and printout documents show no escrow for taxes/insurance. | 4.23.2026 Client provided evidence of subject monthly taxes of $426.12 | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 58 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.06% CLTV below guideline requirements of 75% per program. |
| 2171846 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2860: Good credit history - Clayton Comments: deep credit file with all accts. paid as agreed. No judgements, collections public records. CFCFS5269: Minimal use of credit - Clayton Comments: 7.00% revolving credit utilization | ||||||||||||||
| 2171640 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 9 yrs time in profession. CFCFS1736: Significant time at current residence - Clayton Comments: 10 yrs time at current residence. | ||||||||||||||
| 2171956 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with current Employer for 11 years CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 19 years | ||||||||||||||
| 2171805 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 25 years at current residence | ||||||||||||||
| 2171657 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 5yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 10yrs time in profession | ||||||||||||||
| 2194426 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 9yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 14YRS time in profession | ||||||||||||||
| 2172007 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document | 04/21/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 03/08. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 7 years at current residence |
| 2171857 | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | (No Data) | ||||||||||||||
| 2171985 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.29% CLTV below guideline requirements of 90% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 27 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171472 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 27 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.80% DTI below guideline requirement of 50%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 46.18% CLTV below guideline requirements of 90% per program. | ||||||||||||||
| 2171522 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years and 6 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.06% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.83% LTV below guideline requirements of 80.00% per program. | ||||||||||||||
| 2194540 | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | DTI | Satisfied | D | A | D | A | XXXX | Missing verification of some or all components of non-subject PITI | No | Missing proof of no HOI or HOA for property located at: XXX | 7.1.2026 Client provided LOX stating, his property is land only and documented as such. There is no requirement to obtain proof of HOI or HOA on land. No requirement to document any HOA on any property unless there is reason to believe it would have an HOA like a condo. Response, verified in file (pg 456) as being vacant land (159.53 acres) | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 15.1 years in same line of work/profession CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11.5 years current job time CFCFS5269: Minimal use of credit - Clayton Comments: 24% revolving credit utilization |
| 2194331 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.47% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 14 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 6 years and 6 months | ||||||||||||||
| 2172234 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 51% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 20 years at current residence | ||||||||||||||
| 2171502 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 32 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed for 36 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.29% max per guidelines is 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 68.31% max per guidelines is 75%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed for 10 years. | ||||||||||||||
| 2171847 | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.81 % below guideline requirement 45.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 13 years. | ||||||||||||||
| 2171658 | XXXXXX | AK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | DTI | Satisfied | D | A | D | A | XXXX | Missing verification of some or all components of non-subject PITI | No | Missing current disposition of property located at: XXX. Reflected on 2024 1040 sched E. Does not show on sched of REO on final signed 1003. | 4.30.2026 Client provided copy of property profile showing owner as NPS (NPS same on 2024 1040's in file), with profile showing only NPS name and not our borrower name and not reflected on Fraud Guard in file and other documentation provided to support in NPS name only | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18.1 years current job time CFCFS2854: Significant time in profession - Clayton Comments: 23 years in same line of work/profession |
| 2171503 | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 54.03% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 13 years and 10 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 718 is 58 points above program guideline minimum of 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 11 years and 10 months | ||||||||||||||
| 2172162 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 62+ years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.38 is less than the max of 75. | ||||||||||||||
| 2171523 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.89 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 67.89 is less than the max of 85. | ||||||||||||||
| 2194518 | XXXXXX | ND | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 779 is 119 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 11.22% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 17 years and 11 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 16 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.08% LTV below guideline requirements of 90.00% per program. | ||||||||||||||
| 2194287 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 13 years and 4 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 13 years and 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 24.05% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.85% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2194355 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Current job since 2/6/2001. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 28.94 is less than the max of 85. | ||||||||||||||
| 2172163 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.67 is less than the max of 50. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by approx $1192 per month. | ||||||||||||||
| 2171431 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation non-borrowing spouse (XXX) received an accurate CD (3/13/2026) 3 business days prior to closing (XXX). If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/10/2026 Client provided Disclosure History reflecting Initial CD was also sent via XXX 03/13. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 804 > is above guideline minimum credit score 760. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 37 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2171548 | XXXXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 10 years. | ||||||||||||||
| 2171628 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that the HELOC paid off on the final CD has been closed to future draws | 4.17.2026 Client provided executed by Borrowers requesting closure of HELOC w/XXX Bank, credit report reflect name XXX Savings Ass however account numbers do match on credit and this closure letter. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 16 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 36% |
| 2194335 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Current job 13+ years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 62.79 is less than the max of 90. | ||||||||||||||
| 2171432 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 38 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. | ||||||||||||||
| 2171598 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3/19/26 3 days prior to consummation date of XXX | 04/08/2026 Client provided XXX XXX for CD 3/19 reflecting Both viewed the CD 3/19. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.88 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 54.82 is less than the max of 85. |
| 2194282 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 32.12 is less than the max of 75. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 on all mortgages oldest originated one 6/2016. | ||||||||||||||
| 2171885 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.24 is less than the max of 45. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Employed since 8/27/1979. | ||||||||||||||
| 2172164 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $262.69 monthly taxes for the subject property. Taxes are not escrowed. | 4.29.2026 Client provided evidence of subject monthly taxes of $262.69 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 712 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.91 DTI below guideline of 45. |
| 2171433 | XXXXXX | CO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.84% DTI below guideline requirement of 45%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 27 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2194483 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.34 DTI below guideline of 45. | ||||||||||||||
| 2171641 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x26mo CFCFS1736: Significant time at current residence - Clayton Comments: 8yrs time at current residence | ||||||||||||||
| 2172165 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | XXXX | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | No Cert of Compliance or Cert of Exemption in file. | 04/01/2026 Client provided the subject legal Description reflecting XXX County, however the Mortgage in file, page 4 reflects subject in XXXX. Condition remains for a copy of corrected of Mortgage with a letter of intent to re-record for review. Additional conditions may apply. 04/02/2026 Client provided a copy of the intent letter. Unable to open the Mortgage sent. Please re-upload. Condition remains for a copy of the corrected Mortgage for testing. Additional conditions may apply. 04/03/2026 Client provided and collaborate comment: Mortgage was corrected prior to recording, please attached recorded mortgage and Mortgage reflecting strike out on page 4 with correct county entered and typed initials for only one title holder. Condition remains. Provide corrected Mortgage with handwritten initials for correction by both title holders. 04/07/2026 Client provided a copy of the Correction Agreement Limited power of attorney. Condition remains. Provide corrected Mortgage with initials for correction of BOTH title holders for re-review. Additional conditions may apply.04/08/2026 Client requested review. Per Internal Compliance, Certificate of Compliance not required required for subject county, Initialed deed sufficient with POA provided. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x58mo CFCFS1736: Significant time at current residence - Clayton Comments: 6yrs time at current residence |
| 2171756 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.37% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 20 years and 5 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 25 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.38% LTV below guideline requirements of 75.00% per program. | ||||||||||||||
| 2171642 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 18yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence | ||||||||||||||
| 2171858 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have minimal use of revolving credit | ||||||||||||||
| 2171910 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x51 mortgage payment history exceeds guideline of 0x30x12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 FICO exceeds guideline of 660. | ||||||||||||||
| 2194363 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 73 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.65% CLTV below guideline requirements of 80% per program. | ||||||||||||||
| 2171524 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.70% LTV below guideline requirements of 90.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 10 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.73% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2171859 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 8 years and 3 months | ||||||||||||||
| 2171599 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 23 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 26% | ||||||||||||||
| 2171911 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has 39 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 60% | ||||||||||||||
| 2171734 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing Home Mortgage Information Document | 01/20/2026 Client provided the Acknowledgement of Receipt of the Home Mortgage Loan Information Document. Condition remains for a copy of the Home Mortgage Loan Information Document that Borrower acknowledges receiving for the file. 01/22/2026 Client provided missing Ohio CSPA Home Mortgage Loan disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.54 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 53.80 is less than the max of 90. |
| 2194587 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 36.26% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 801 is 101 points above program guideline minimum of 700. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years and 10 months | ||||||||||||||
| 2194343 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 06/29/2026 Client provided Disclosure History reflecting CD 06/08 was also sent via XXX to both on 06/08. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.85 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 709 FICO exceeds guideline of 660. |
| 2171434 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Initial CD not acknowledged by NBS. Provide documentation non-borrowing spouse received an accurate CD 3 days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/10/2026 Client provided Disclosure History reflecting Initial CD was also sent via XXX 03/19 to both. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 12 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 40.32% below guideline requirements 80.00%. |
| 2172232 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.79% below guideline requirement 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.85% below guideline requirements 85.00% | ||||||||||||||
| 2172235 | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 42.10% below guideline requirements 90.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 18 years. | ||||||||||||||
| 2194307 | XXXXXX | AK | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 8 years CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 19 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 63.41% LTV below guideline requirements of 80.00% per program. | ||||||||||||||
| 2171549 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 63 months CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 9 years | ||||||||||||||
| 2171643 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Title | Satisfied | C | A | C | A | XXXX | Potential title issue | No | Missing proof that the mortgage for $XXX has been removed. | 4.30.2026 Client provided evidence of Discharge of Mortgage w/XXX dated XXX and closed/discharged on XXX and same verified on credit report (pg 60) as being closed/paid, just having been removed from Title however is verified as being discharged | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.89 DTI below guideline of 45. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7 years 6 months at current job. |
| 2194585 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $77,741 revolving/installment debt paid at close CFCFS1739: Positive mortgage payment history - Clayton Comments: 61 mos. mtg. payment hist. 0X30,60,90 days. Paid as agreed. CFCFS5269: Minimal use of credit - Clayton Comments: 17% revolving credit utilization | ||||||||||||||
| 2171835 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.17% LTV below guideline requirements of 75.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 11 years and 1 year CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years and 5 months | ||||||||||||||
| 2172110 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 67.21% below guideline requirements 90.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 5 years | ||||||||||||||
| 2194325 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 10yrs time in profession | ||||||||||||||
| 2171530 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years in current profession CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 25% | ||||||||||||||
| 2171886 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.96% DTI below guideline requirement of 50%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 68 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2194400 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | DTI | Satisfied | D | A | D | A | XXXX | Missing verification of some or all components of non-subject PITI | No | Missing proof of no HOA dues for primary home: XXX | 6.23.2026 Client provided XXX website description of property in question, reflecting is SFR and no monthly HOA being referenced and fraud reflecting the same as SFR. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12.8 years current job time CFCFS1736: Significant time at current residence - Clayton Comments: 20 years current residence time CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 37.7 years current job time |
| 2194278 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 7 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 28% | ||||||||||||||
| 2171435 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 59 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 29.68% CLTV below guideline requirements of 75% per program. | ||||||||||||||
| 2171436 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 38 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17.10 years current job time | ||||||||||||||
| 2171725 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 73 mos. mtg. payment hist. with 0X30,60,90 days. Paid as agreed. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 8.7 years current job time | ||||||||||||||
| 2171486 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $63,363 in revolving debt paid at close CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 7.3 years current job time | ||||||||||||||
| 2171934 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 775 exceeds the 760 required. CFCFS2860: Good credit history - Clayton Comments: Credit profile is very strong. | ||||||||||||||
| 2172008 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 44% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35% | ||||||||||||||
| 2194346 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 25 mos. mtg. payment history. 0X30,60,90 days. Paid as agreed | ||||||||||||||
| 2171629 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 qualifying score exceeds guide lines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 8 years at current job. | ||||||||||||||
| 2171860 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 51 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.17% CLTV below guideline requirements of 75% per program. | ||||||||||||||
| 2171630 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57%. | ||||||||||||||
| 2194586 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 20 years per application CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.88 is less than the max of 80. | ||||||||||||||
| 2171631 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.04% DTI below guideline requirement of 45%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 68 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171688 | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 30 years current residence time | ||||||||||||||
| 2171512 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.60% CLTV below guideline requirements of 85% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 29 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2194530 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application date was taken 4/14/2026, the Housing Counselors List was not provided until 4/29/2026. Provide the Housing Counselors List within 3 days of application. | 06/17/2026 Client provided missing List of homeowners counseling organizations dated 04/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: CLTV of 65.13% is less than the max of 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.84% is less than the max of 50%. |
| 2194530 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | H9 used on a non-lender to lender refinance ROR form is H9 (lender to lender), transaction is not a lender to lender refinance. | 06/29/2026 Client provided reopened H8 Right to Cancel forms delivered on XXX with expiration date of XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: CLTV of 65.13% is less than the max of 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.84% is less than the max of 50%. |
| 2194530 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application date was taken 4/14/2026, the initial LE was not issued until 4/29/2026. Greater than the required 3 days. | 06/17/2026 Client provided missing LE 4/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: CLTV of 65.13% is less than the max of 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.84% is less than the max of 50%. |
| 2172111 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 22 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 28 months | ||||||||||||||
| 2171813 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Title | Satisfied | D | A | D | A | XXXX | Missing Title | No | Missing title report | 4.7.2026 Client provided Property Title Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 9yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x71mo |
| 2194386 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | XXXX | Income verification does not meet guidelines | No | Missing YTD paystub or full WVOE to verify W2 income of $2,084.58/mo. | 6.23.2026 Client provided Written VOE covering YTD 2026 and prior two years supporting monthly base income of $2,084.58 used for employment qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 7.10 years current residence time CFCFS1739: Positive mortgage payment history - Clayton Comments: 35 mos. mtg. payment history. 0X30,60,90 days. Paid as agreed. |
| 2194345 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation Non-Borrower (XXXX) received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated 06/01/2026 was incomplete/missing pages.? If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 06/24/2026 Client provided Disclosure History reflecting CD 6/1 was also sent via XXX to both on 6/1. Mail rule applies, making the earliest closing date XXX Actual closing date XXX | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x48 |
| 2194579 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 55% CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of revolving credit | ||||||||||||||
| 2171757 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5 years at current residence | ||||||||||||||
| 2171525 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Compliance Manual | Satisfied | D | B | D | B | XXXX | Missing disclosure | No | Provide documentation Non-Borrower (XXX) received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated 03/17/2026 was incomplete/missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/08/2026 Client provided Disclosure History reflecting Initial CD delivery method XXX, however the additional information is missing. Condition remains for complete printout with Delivered to and recipient type complete for both title holders. 04/14/2026 Client provided a collaborate comment: Please satisfy this condition with Grade B. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 53.32% below guideline requirements 75.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 12 years. |
| 2171525 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | N/A | N/A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Notary Status is missing | No | Mortgage is missing pages 20 and 21 which contains Notary status. | 04/07/2026- Client provided complete mortgage. | 04/08/2026- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 53.32% below guideline requirements 75.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 12 years. |
| 2171758 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | XXXX | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | 04/21/2026 Client provided missing Illinois Anti Predatory Certificate of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 9 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 24 years at current job |
| 2194395 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 8 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 773 > is above guideline minimum credit score 720. | ||||||||||||||
| 2171600 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 9 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 9 years. | ||||||||||||||
| 2194506 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 755 > is above guideline minimum credit score 720. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 10 years. | ||||||||||||||
| 2171487 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that the borrower acknowledged receipt of the CD 3 days prior to consummation date of XXX | 4/17/26 Client provided e-signed initial CD 3/30/26. Disclosure was testing for timing with no issues, condition is satisfied | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 79 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 76.61% CLTV below guideline requirements of 90% per program. |
| 2194328 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | XXXX | Missing disclosure | No | Missing LE: 05/08/2026. | 06/26/2026 Client provided missing LE 5/08. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| 2194328 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 05/08/2026, the Housing Counselors List was not issued until 05/20/2026. Greater than the required 3 days. | 06/26/2026 Client provided missing List of homeowners counseling organizations dated 5/08. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| 2171887 | XXXXXX | MA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation for debt with XXX $219.00 monthly payment and $47,286.00 balance disclosed on the application. This debt is not on the credit report. | 4.21.2026 Client provided copy of XXX evidence of monthly payment used of $219.64 | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 43.85 DTI below guideline of 45. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 7 years 7 months at current job. |
| 2171814 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 30.94% CLTV below guideline requirements of 90% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 30 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2172112 | XXXXXX | NM | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Initial CD was not acknowledged by NBS. Provide documentation non-borrowing spouse received an accurate CD 3 days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/23/2026 Client provided disclosure tracking for the interim CD 4/8. Condition remains for evidence of receipt by the Non-Borrower for the Initial CD 3/20 a minimum of 3 days prior to closing. 04/24/2026 Client provided Disclosure tracking for CD 3/30 reflecting NBS was added on the 4/6 CD, supported by Title in file reflecting Borrower held title as unmarried and COC 4/6 provided stating change of marital status. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 6 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 6 years at current job |
| 2172112 | XXXXXX | NM | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $125 due to Title Doc Prep fee $125 increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 04/24/20 Client provided COC 4/6 reflecting Deed prepared to update martial status. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 6 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 6 years at current job |
| 2171935 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 7 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 62.30% is 12.70 points below the program guideline maximum 75%. | ||||||||||||||
| 2171957 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document is missing in the file. | 04/24/2026 Client provided missing List of homeowners counseling organizations dated 03/25. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit, 18% revolving credit utilization. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 58.63% is 26.37 points below the program guideline maximum 85%. |
| 2171759 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 52.22 is less than the max of 75. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.01 is less than the max of 45. | ||||||||||||||
| 2171565 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 18 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 57.97% LTV below guideline requirements of 90.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 6 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.15% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2171861 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have minimal use of revolving credit CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | ||||||||||||||
| 2194397 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.82 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.65 is less than the max of 90. | ||||||||||||||
| 2194564 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 8 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 774 is 74 points above program guideline minimum of 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: 44.89% LTV below guideline requirements of 85.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years and 5 months | ||||||||||||||
| 2194510 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 27 years and 5 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 39.82% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.98% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 8 months | ||||||||||||||
| 2194373 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 18yrs time at current residence | ||||||||||||||
| 2172095 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 58.20% below guideline requirements of 75% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 15 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8.75 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.06% below guideline requirement of 45% | ||||||||||||||
| 2171850 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | (No Data) | ||||||||||||||
| 2171944 | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 30yrs time in profession CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x23 | ||||||||||||||
| 2171538 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Initial CD not acknowledged by NBS. Provide documentation non-borrowing spouse received an accurate CD 3 days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/16/2026 Client provided Disclosure History reflecting Initial CD was also sent via XXX to both on 03/12. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.33 is less than the max of 80. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.17 is less than the max of 50. |
| 2198964 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 FICO > 740 Product minimum CFCFS1736: Significant time at current residence - Clayton Comments: 10+ years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11+ Years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.06 DTI < 50% DTI Product Cap CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11+ Years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.48% CLTV < 90% product cap per guidelines CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 187 months of 0x30 consumer credit history per CBR; 24 months required. CFCFS1739: Positive mortgage payment history - Clayton Comments: 74+ months of positive payment history with no 0x30/60/90 lates | ||||||||||||||
| 2171601 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 710 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.02 DTI below guideline of 45. | ||||||||||||||
| 2171602 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 17 years and 7 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 812 is 152 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.56% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.71% LTV below guideline requirements of 90.00% per program. | ||||||||||||||
| 2171915 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 17 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years at current residence | ||||||||||||||
| 2171968 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been > 22 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 21.91% below guideline requirement 45.00%. | ||||||||||||||
| 2172009 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years 10 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 729 FICO exceeds guideline of 680. | ||||||||||||||
| 2196122 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.26% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 8 years and 11 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 44.33% LTV below guideline requirements of 90.00% per program. | ||||||||||||||
| 2171888 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 55% | ||||||||||||||
| 2171689 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation Non-Borrower XXXX received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated 4/7/26 was incomplete/missing pages.? If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing | 04/28/2026 Client provided Disclosure History reflecting Initial CD was also sent via XXX 04/07. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.80 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 67.90 is less than the max of 80. |
| 2171862 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 776 is 16 points above program guideline minimum of 760. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 2 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.24% LTV below guideline requirements of 85.00% per program. | ||||||||||||||
| 2171969 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of Homeowners Counseling Organizations dated 2/12/2026 was not provided to the borrower within 3 days of the application date of 01/29/2026. | 04/06/2026 Client provided missing List of homeowners counseling organizations dated 01/30. | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been owning the property > 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 56.73% below guideline requirements 75.00%. |
| 2171969 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | LE 02/12/2026 was not provided to the borrower within 3 days of the application date of 01/29/2026. | 04/06/2026 Client provided missing Initial LE 1/30. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been owning the property > 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 56.73% below guideline requirements 75.00%. |
| 2172166 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX | 4/17/26 Client provided initial CD 4/1/26 e-signed on 4/1/26. Loan already includes tracking for last LE 3/30/26 received min 4 days prior to closing on XXX Condition satisfied | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 5yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x27mo |
| 2171690 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 3/6/2026, the Housing Counselors List was not issued until 3/20/2026. Greater than the required 3 days. | 04/24/2026 Client provided missing List of homeowners counseling organizations dated 03/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 61.93 is less than the max of 90. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.77 is less than the max of 45. |
| 2171690 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 3/6/2026, the initial LE was not issued until 3/20/2026. Greater than the required 3 days. | 04/24/2026 Client provided missing Initial LE 3/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 61.93 is less than the max of 90. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.77 is less than the max of 45. |
| 2171889 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 23 years at current job. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | ||||||||||||||
| 2171488 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations in file is dated 02/26/2026. Not provided within 3 days of the 02/07/2026 application date | 04/06/2026 Client provided the missing 2/11 Initial Disclosures including List of homeowners counseling organizations. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence> 26 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >21 years at current job |
| 2171488 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial LE in file is dated 02/26/2026. Not provided within 3 days of the 02/07/2026 application date | 04/06/2026 Client provided the missing 2/11 Initial Disclosures including LE 2/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence> 26 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >21 years at current job |
| 2171659 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 48.79% below guideline requirements 85.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.49% below guideline requirement 45.00% | ||||||||||||||
| 2194351 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | DTI | Satisfied | D | A | D | A | XXXX | Missing verification of some or all components of non-subject PITI | No | Missing verification of property taxes for XXX (Second Home). Lender used $237.42 monthly. | 6.30.2026 Client provided copy of tax bill for requested property supporting slightly more than what was used however within DTI | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 56 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 30% CLTV below guideline requirements of 75% per program. |
| 2171707 | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 24 years and 11 months | ||||||||||||||
| 2194517 | XXXXXX | ND | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 9.00% revolving credit utilization CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $17,780 revolving debt paid at close | ||||||||||||||
| 2171708 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $3836.85, max allowed is $3,765.04; $71.82 too high).Lender to provide an updated Fee Split Document reflecting all fees being split, per the Mavent for retesting. Additional conditions may apply | 4/22/26 Client provided Split Fee disclosure, fees were re-tested with no issues. Condition satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 24yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x46mo |
| 2171708 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | Section 32 | Satisfied | C | A | C | A | XXXX | Section 32 Loan per Points and Fees Test | No | Lender to provide an updated Fee Split Document reflecting all fees being split, per the Mavent for retesting. Additional conditions may apply | 4/22/26 Client provided Split Fee disclosure, fees were re-tested with no issues. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 24yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x46mo |
| 2171489 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 19 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. | ||||||||||||||
| 2172205 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x44mo CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence | ||||||||||||||
| 2171709 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | XXXX | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | Missing RI Home Loan Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan). | 04/30/2026 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 3/24. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.97% DTI below guideline of 45%. |
| 2171709 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | XXXX | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | Missing RI Home Loan Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost). | 04/30/2026 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 03/24. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.97% DTI below guideline of 45%. |
| 2171603 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 45.42 DTI below guideline of 50. | ||||||||||||||
| 2196136 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 22.51% CLTV below guideline requirements of 75% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 46 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171822 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 58% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 27% | ||||||||||||||
| 2194594 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years on current XXX job | ||||||||||||||
| 2194271 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 64 mos. mtg. payment history. 0X30,60,90 days. Paid as agreed. CFCFS5269: Minimal use of credit - Clayton Comments: 19% revolving credit utilization | ||||||||||||||
| 2172096 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document. | 04/16/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 03/16. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 53.62% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.31% DTI is below guideline requirement of 45.00%. |
| 2171760 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 19 years and 7 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 6 years and 8 months | ||||||||||||||
| 2196119 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Need evidence of change of circumstances letter for Zero tolerance, (Title-Closing Settlement Fee $25.00) increase, or a copy of a refund check in the amount of $25.00 | 06/22/2026 Client provided Funding CD 06/18 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.51 DTI below guideline of 45. |
| 2196119 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | N/A | N/A | C | B | Credit | Credit/Mtg History | Satisfied | C | A | C | A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $648.31 monthly taxes for the subject property. Taxes are not escrowed. | 6.10.2026 Client provided evidence of monthly taxes used of $648.31 with tax bill | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.51 DTI below guideline of 45. |
| 2171917 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Legal Documents | Satisfied | C | A | C | A | XXXX | Trust Documents Not Acceptable/Not Executed | No | Provide executed copy of Certification of Trust or Trust documents | 4.16.2026 Client provided executed Certificate of Trust | Condition satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 35.27 is less than the max of 75. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.80 is less than the max of 45. |
| 2172010 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.24 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 23.61 is less than the max of 90. | ||||||||||||||
| 2171490 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 7 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 80.00% below guideline requirements 85.00% | ||||||||||||||
| 2172167 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 8 years. CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x60. | ||||||||||||||
| 2171923 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 809 is 109 points above program guideline minimum of 700. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 33.06% LTV below guideline requirements of 75.00% per program. | ||||||||||||||
| 2172206 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 25yrs time at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x49 | ||||||||||||||
| 2171863 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 9.6 years current residence time CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6.3 years current job time | ||||||||||||||
| 2171691 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 8 years and 1 month CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 21 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.64% LTV below guideline requirements of 75.00% per program. | ||||||||||||||
| 2194482 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 30 years on current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 27 years at current residence | ||||||||||||||
| 2171692 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 46 is less than the max of 80. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.89 is less than the max of 50. | ||||||||||||||
| 2194380 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 14yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 8YRS time at current residence | ||||||||||||||
| 2171761 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $100 for zero tolerance fees.A Title Examination Fee in the amount of $100.00 was added to the CD dated 03/05/2026 | 04/13/2026 Client provided PCCD 04/10 with Principal reduction, LOE and Loan Transaction History reflecting payment applied | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 790 is 130 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.95% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.17% LTV below guideline requirements of 90.00% per program. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job; 8 years and 2 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 25 years and 2 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 5 months |
| 2172168 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Mortgage not signed | No | Mortgage not signed by borrowers. | 04/23/2026 Client provided the fully executed, missing Mortgage including Notary. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 39.83% CLTV below guideline requirements of 90% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 53 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2172168 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Compliance | Right of Rescission | Satisfied | B | A | B | A | XXXX | Cannot determine if funding date is after rescission period | No | ROR is not signed and dated by borrowers. Cannot determine if funding date is after rescission period. | 04/23/2026 Client provided the fully executed, missing H8 ROR. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 39.83% CLTV below guideline requirements of 90% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 53 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2172168 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Note Not Executed | No | Note not signed by borrowers. | 04/23/2026 Client provided the fully executed, missing Note. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 39.83% CLTV below guideline requirements of 90% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 53 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2172207 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.01 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 700 FICO exceeds guideline of 660. | ||||||||||||||
| 2172208 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 64 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. CFCFS1736: Significant time at current residence - Clayton Comments: 18.4 years current residence time | ||||||||||||||
| 2171806 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 44.08% below guideline requirements 75.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 30 years. | ||||||||||||||
| 2171437 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - CD: Loan consummated before end of waiting period | No | Final CD 4/15/26 is missing page 4. Complete CD required for testing. Provide Completed CD. Additional conditions may apply. | 4/28/2026 Client provided a page 4 to a CD. Condition remains. Unable to determine the CD that the page goes to as there are no dates listed on the page. Provide the entire Final CD for re-review and evidence of receipt by Non-Borrower for the Initial Cd 4/9. 04/30/2026 Client provided the fully executed Final CD 4/15 and Disclosure History reflecting Initial CD 4/9 was also sent via XXX 04/09. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX. Loan consummated before end of waiting period. Provide evidence of receipt by the Non-Borrower a minimum of 3 days prior to closing or if unable to provide, the exception can be Satisfied a 2B using Final CD and ROR from closing. 5/1/26 Client provided a duplicate of snip for initial CD delivery to NBS. XXX tracking in file page 228 confirms NBS received/ viewed initial CD on 4/10/26. Date was applied. Condition satisfied | 5/1/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 Median FICO >61 points above guideline program minimum of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 28 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2171438 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 65% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 10 years at current residence | ||||||||||||||
| 2171550 | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $47,311 in installment/revolving debt paid at close CFCFS5269: Minimal use of credit - Clayton Comments: 27% revolving credit utilization CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 6.8 years current job time | ||||||||||||||
| 2172242 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | XXXX | Missing disclosure | No | Missing LE:3/4/2026. | 04/09/2026 Client provided missing Initial LE 3/4. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x49mos CFCFS1736: Significant time at current residence - Clayton Comments: 5yrs time at current residence |
| 2172242 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counselling organizations is dated 3/10/2026, application date is 3/4/2026. List of homeowners counselling organizations is not within 3 business days of application. | 04/09/2026 Client provided missing List of homeowners counseling organizations dated 03/04. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x49mos CFCFS1736: Significant time at current residence - Clayton Comments: 5yrs time at current residence |
| 2171958 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.68% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 8 months CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job; 8 years and 2 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.11% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2194497 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 62.97 is less than the max of 90. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.40 is less than the max of 45. | ||||||||||||||
| 2171710 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 50.1 years current residence time CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 13.6 years current job time | ||||||||||||||
| 2171604 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | N/A | N/A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | XXXX | Credit score below guidelines | No | Qualifying FICO score of 684 is below required guideline of 700 for DTI above 45% | 4.7.2026 Client provided post close exception approval to allow for DTI of 46.68% exceeding guidelines maximum of 45.00% with fico score of 684; required fico score 700 or above with DTI over 45% | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 46+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1737: LTV below guideline requirements - Clayton Comments: 46.08% LTV below guideline requirements of 75.00% per program. |
| 2196130 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance $125.00. Additional Fee for Title Examination. Change of Circumstance, or Post Close CD, LOX and a copy of refund check to borrower. | 5/27/26 Client provided COC dated 4/26/26 with valid reasons documented as to why Title Exam fee was added. Condition satisfied to 1/A | 5/27/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.69 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 30.91 is less than the max of 90. |
| 2196130 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | N/A | N/A | C | A | Credit | Title | Satisfied | D | A | D | A | XXXX | Missing Title | No | Provide Title | 5.27.2026 Client provided duplicate (in file) Title property summary report (pg 89) and appears subject 1st lien is not reflected on Title and #1 on the Title reflect evidence of satisfaction or release of a Deed of Trust dated December 28, 2012; condition remains for Title with reflecting current 1st lien and #1 clarification on Title search, still showing on Title. 6.8.2026 Client provided LOX stating what will be needed for this condition. Response, Title to reflect the correct 1st lien on subject property, currently #1 states Company requires evidence of satisfaction or release Deed of Trust, appears Title don't reflect corrected 1st lien (in file reflect lien is with XXX) however Title #1 is reflecting for evidence of satisfaction and/or release of the lien on Title. Condition remains 6.9.2026 Client provided LOX stating, The property report provided is sufficient for CES products, we do not require full title for 2nd products. It is showing accurate 1st lien, this new file is a 2nd lien. Response, full title was not requested, condition remains for corrected 1st lien to be reflected on title, lien on title is requesting that that lien be satisfied or released in which would appears this is not the correct info reflected on Title as the 1st lien. Condition remains 6.18.2026 Client provided additional documentation including servicing transfer notice where lien on Title was with XXX Bank however have been transferred from XXXBank to XXX Loans (XXX), lien on title is one of same due servicing letter, most recent mtg statement w/XXX was provided, file having VOM, etc to support. | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.69 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 30.91 is less than the max of 90. |
| 2172209 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 5 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 28.97% below guideline requirement 45.00%. | ||||||||||||||
| 2194269 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.96 DTI below guideline of 45. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 FICO exceeds guideline of 660. | ||||||||||||||
| 2171439 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.07% below guideline requirement 45.00%. | ||||||||||||||
| 2171605 | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 11 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 787 > is above guideline minimum credit score 760. | ||||||||||||||
| 2172011 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | N/A | N/A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing documentation to support Base pay and Overtime income, only a 2025 W2 in file, Missing a YTD Paystub / W VOE and 2 years of documentation for Overtime income | 4.30.2026 Client provided Written VOE dated April 6, 2026 and appears Borrower have some declining income from 2024 to 2025 to YTD 2026 and Letter from borrower in file states was on injury leave in June 2025; Written VOE states end of last pay period is March 28, 2026 and with considering YTD 2026 income: Base $3,461.76 (3 months average) and OT $133.90 with updated DTI of 46.85%; in addition Lender have $0 monthly debts however initial review of underwriting is including $29.00 for new debt w/XXX#XXX which is reflected on credit supplement (pg 381) | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower is in the same line of work for 10 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 54 months |
| 2172011 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | N/A | N/A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | XXXX | Income Amount is Unsupported by Documentation in File | No | Missing documentation to support Base pay and Overtime income, only a 2025 W2 in file, Missing a YTD Paystub / W VOE and 2 years of documentation for Overtime income | 4.30.2026 Client provided Written VOE dated April 6, 2026 and appears Borrower have some declining income from 2024 to 2025 to YTD 2026 and Letter from borrower in file states was on injury leave in June 2025; Written VOE states end of last pay period is March 28, 2026 and with considering YTD 2026 income: Base $3,461.76 (3 months average) and OT $133.90 with updated DTI of 46.85%; in addition Lender have $0 monthly debts however initial review of underwriting is including $29.00 for new debt w/XXX#XXXwhich is reflected on credit supplement (pg 381) | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower is in the same line of work for 10 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 54 months |
| 2135265 | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 01/06/2026 Client provided missing OH CSPA Acknowledgement of receipt of Home Mortgage Loan Informational Document disclosure dated 12/03. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.38% DTI is below program max of 45%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 9 years and 4 months at current job. |
| 2194365 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Right of Rescission | Satisfied | B | B | B | B | XXXX | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. | 06/19/2026 Client provided re-opened ROR H9 forms, LOE and delivered 6/10 shipping label. ROR Expiration dated 6/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Significant time in profession, 14 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 56 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2171660 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 58 months CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 10 years | ||||||||||||||
| 2171440 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 16 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 8 years. | ||||||||||||||
| 2194523 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 769 exceeds guidelines CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 7 years 7 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV 12.60%/41.33% below guideline requirements | ||||||||||||||
| 2171551 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 61% | ||||||||||||||
| 2172169 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 12 years current residence time CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25.8 years current job time | ||||||||||||||
| 2172210 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 11yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 22yrs time at current residence | ||||||||||||||
| 2194313 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.50 DTI below guideline of 45. | ||||||||||||||
| 2171606 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 26.27% is below lender's guide line maximum of 45%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 11 years at current job. | ||||||||||||||
| 2172233 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 18.6 years current residence time CFCFS2860: Good credit history - Clayton Comments: deep credit file with all accts. aid as agreed. No collections, judgements, public records. | ||||||||||||||
| 2194602 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 57 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.09% CLTV below guideline requirements of 85% per program. | ||||||||||||||
| 2194293 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.80% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.82% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years | ||||||||||||||
| 2172113 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 18 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 11 years at current job | ||||||||||||||
| 2171566 | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 8 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 60 months | ||||||||||||||
| 2171959 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 18yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 30yrs time in profession | ||||||||||||||
| 2171536 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 35% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 18 years on current job | ||||||||||||||
| 2194534 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years and 10 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.39% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 22 years and 5 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 49.41% LTV below guideline requirements of 85.00% per program. | ||||||||||||||
| 2172243 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in profession > 15 years CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 65.68% below guideline requirements 90.00% | ||||||||||||||
| 2171567 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.66% below guideline requirement 45.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 28.48% below guideline requirements 75.00% | ||||||||||||||
| 2171864 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation Non-Borrower XXX received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated 3/25/26 was incomplete/missing pages.? If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/28/2026 Client provided Disclosure History reflecting Initial CD was also sent to both via XXX 03/25. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 10+ years. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $1,504 per month. |
| 2171762 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 29 yrs time at current residence CFCFS2854: Significant time in profession - Clayton Comments: 29yrs time in profession | ||||||||||||||
| 2194444 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 10 years and 1 month CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.79% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.40% LTV below guideline requirements of 90.00% per program. | ||||||||||||||
| 2172211 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 58.59 is less than the max of 85. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.69 is less than the max of 50. | ||||||||||||||
| 2171970 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of credit, 1% revolving credit utilization. CFCFS1739: Positive mortgage payment history - Clayton Comments: 58 mos. reviewed with 0X30,60,90 days. Paid as agreed | ||||||||||||||
| 2194344 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 35 years current residence time CFCFS5269: Minimal use of credit - Clayton Comments: 2.00% revolving credit utiization CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14.8 years current job time | ||||||||||||||
| 2194420 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.91 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.67 is less than the max of 85. | ||||||||||||||
| 2194544 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | N/A | N/A | D | B | Compliance | Compliance Manual | Satisfied | D | A | D | A | XXXX | Missing disclosure | No | ** 06/25/2026 Review of LE 4/27 provided. Provide the Initial LE 4/22 which is reflected to have been sent and completed by the Borrower Per the XXX in file dated 4/22, | 06/29/2026 Client provided the Disclosures provided on 4/22 that do not include and LE and a Collaborate comment: The initial LE was issued on 04-27. I have attached the disclosure that were sent on 04-22 to align with the XXX referenced in the finding. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >11 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. |
| 2194544 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | N/A | N/A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Notary Status is missing | No | Missing Notary signature/date and stamp | 6/24 Client provided Notary | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >11 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. |
| 2194544 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | N/A | N/A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | XXXX | Mortgage not signed | No | Missing signature page 22 of 23 of DOT. | 6/24 Client provided the executed mortgage | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >11 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. |
| 2194544 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | N/A | N/A | D | B | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Homeowners Counseling Organizations List dated 5/22/2026 was not provided to the borrower within 3 days of the application date of 4/22/2026. | 06/25/2026 Client provided missing List of homeowners counseling organizations dated 4/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >11 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. |
| 2194544 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | N/A | N/A | D | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | XXX- 6/22/2026- Client provided an approved exception for missing T.42 Title Endorsement | XXX- 03/16/2026- Initial and Final Grade B- | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >11 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. |
| 2194544 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | N/A | N/A | D | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | XXX- 06/22/2026- Client provided an approved exception for missing T.42.1 Title Endorsement | XXX- 06/22/2026- Initial and Final Grade B- | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >11 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. |
| 2194544 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | N/A | N/A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial Loan Estimate dated 5/22/2026 was not provided to the borrower within 3 days of the application date of 4/22/2026 | 06/25/2026 Client provided missing LE 4.27. | Condition Satisfied, See Exception CMPMAN2956. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >11 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. |
| 2194544 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | N/A | N/A | D | B | Credit | Legal Documents | Satisfied | D | A | D | A | XXXX | Missing Rider | No | Missing PUD Rider | 6/24 Client provided executed rider | satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >11 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. |
| 2194529 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS5269: Minimal use of credit - Clayton Comments: 18% revolving credit utilization CFCFS2854: Significant time in profession - Clayton Comments: B1 has 35 years in same line of work/profession CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 22.10 years current job time CFCFS1736: Significant time at current residence - Clayton Comments: 23.10 years current residence time | ||||||||||||||
| 2172170 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 68.21% is 21.79 points below the program guideline maximum 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 793 > is above guideline minimum credit score 760. | ||||||||||||||
| 2172114 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not in file | No | Initial application date was taken 3/11/2026, the Housing Counselors List was not provided. Provide the Housing Counselors List within 3 days of application. | 04/07/2026 Client provided missing List of homeowners counseling organizations dated 03/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.45% max per guidelines is 45%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed for 19 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 17 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 50.71% max per guidelines is 80%. |
| 2171526 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 52.23% CLTV below guideline requirements of 75% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 40 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171836 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >38 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 15 years. | ||||||||||||||
| 2194368 | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.64% below guideline requirement 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence >6 years. | ||||||||||||||
| 2194341 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11.5 years current job time CFCFS1736: Significant time at current residence - Clayton Comments: 25 years current residence time CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 29.5 years current job time | ||||||||||||||
| 2171938 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Homeowners Counseling Organizations List dated 03/03/2026 was not provided to the borrower within 3 days of the application date of 02/23/2026. | 04/15/2026 Client provided missing List of homeowners counseling organizations dated 02/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 69% |
| 2171938 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | LE dated 03/02/2026 was not provided to the borrower within 3 days of the application date of 02/23/2026. | 04/115/2026 Client provided missing Initial LE 2/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 69% |
| 2172132 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x38mo CFCFS1736: Significant time at current residence - Clayton Comments: 30yrs time at current residence | ||||||||||||||
| 2171504 | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job; 23 years and 3 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 15 years and 6 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 804 is 44 points above program guideline minimum of 760. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.49% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2172212 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.41% DTI below guideline requirement of 45%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 28 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171441 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | B | B | B | B | XXXX | ROR - Expiration date on form prior to end of rescission period | No | ** 04/02/2026 Exception triggered due to missing Final CD signed at closing. CD 3/13 in file not signed until 3/25. Provide evidence of receipt of Final CD by Borrower at closing on XXX | 04/16/2026 Client provided a collaborate comment: In reviewing this loan, the RTC is accurate with the closing date of XXX, rescission date of XXX and funding XXX. Confirmed closing date by the Security Instrument execution date of XXX. Per TRID requirements, the CD does not have to be signed. Compliance is based on delivery of document. A signature can be a confirmation, but it is not required. Condition remains. Provide proof of delivery of the Final CD to the Borrower on the closing date of XXX or re-review. 04/28/2026 Client provided re-opened rescission, expiration dated XXX and received XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 27 years and 2 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 25 years and 6 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.98% DTI is below guideline requirement of 45.00%. |
| 2171441 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | N/A | N/A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | XXXX | ROR - Disbursement date is before end of statutory rescission period | No | ** 04/02/2026 Exception triggered due to missing Final CD signed at closing. CD 3/13 in file not signed until 3/25. Provide evidence of receipt of Final CD by Borrower at closing on 3/13. | 04/16/2026 Client provided a collaborate comment: In reviewing this loan, the RTC is accurate with the closing date of XXX, rescission date of XXX and funding XXX Confirmed closing date by the Security Instrument execution date of XXX. Per TRID requirements, the CD does not have to be signed. Compliance is based on delivery of document. A signature can be a confirmation, but it is not required. Condition remains. Provide proof of delivery of the Final CD to the Borrower on the closing date of XXX for re-review. 04/28/2026 Client provided re-opened rescission, expiration dated XXX and received XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 27 years and 2 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 25 years and 6 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.98% DTI is below guideline requirement of 45.00%. |
| 2171986 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9.8 years current job time CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $35,195 total revolving debt paid at close | ||||||||||||||
| 2171823 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 57.31% CLTV below guideline requirements of 75% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.83% DTI below guideline requirement of 45%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 31 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171939 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x68mo CFCFS2854: Significant time in profession - Clayton Comments: 11yrs time in profession | ||||||||||||||
| 2194316 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 49.14% CLTV below guideline requirements of 80% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 28 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2172012 | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 37 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.11% CLTV below guideline requirements of 80% per program. | ||||||||||||||
| 2172115 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 716 > is above guideline minimum credit score 700. | ||||||||||||||
| 2194505 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 28.41% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 32 years CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.82% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 9 months | ||||||||||||||
| 2171531 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 28 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 45.20% LTV below guideline requirements of 85.00% per program. | ||||||||||||||
| 2194608 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | Insurance | Satisfied | D | A | D | A | XXXX | Missing proof of flood insurance in File | No | Subject located in flood zone AO. Provide proof of flood insurance. | 6/24 Client provided Flood Insurance | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13.6 years current job time CFCFS1736: Significant time at current residence - Clayton Comments: 12.5 years current residence time |
| 2171763 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 62 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 Median FICO > above guideline program minimum of 740. | ||||||||||||||
| 2194487 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years and 8 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 6 years and 5 months. | ||||||||||||||
| 2194330 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 58% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | ||||||||||||||
| 2194550 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.45 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.60 is less than the max of 90. | ||||||||||||||
| 2171865 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 13yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 15yrs time at current residence | ||||||||||||||
| 2194349 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 10yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 21YRS time at current residence | ||||||||||||||
| 2171764 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 22.58% CLTV below guideline requirements of 90% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 56 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2172116 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 9 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 70% | ||||||||||||||
| 2171987 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | OH CSPA; Home Mortgage Information disclosure not timely | No | Initial application was taken 03/02/2026, the Home Mortgage Information disclosure was not issued until 03/05/2026. | 4/22/26 Client provided Home Mortgage Information dated 3/2/26 with confirmation/ tracking for the disclosure. Condition satisfied | 4/22/26 Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 9yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 4yrs time at current residence |
| 2171634 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 51.86% below guideline requirements 90.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 45 years. | ||||||||||||||
| 2171897 | XXXXXX | MT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 27yrs time in profession | ||||||||||||||
| 2171561 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 22 years current residence time CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25.8 years current job time CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 26.8 years current job time | ||||||||||||||
| 2171937 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.38% max per guidelines is 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 69.67% max per guidelines is 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 18 years. | ||||||||||||||
| 2171948 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Property Valuations | Property | Waived | C | B | C | B | XXXX | Acreage exceeds property eligibility guidelines | No | 10.28 acres < max. allowable of 10.00 acres. | 4.27.2026 Client provided exception approval for subject acres of 10.28% exceeding guidelines maximum of 10.00 | Upon further review by Senior Underwriter, exception is deemed non-material. Exception is approved, B Grade with compensating factors: DTI, fico score, income stability | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 15.8 years current job time CFCFS1736: Significant time at current residence - Clayton Comments: 20 years current residence time |
| 2194551 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 6.26.26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 32.98 is less than the max of 80. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 20 years. |
| 2194551 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 6.26.26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 32.98 is less than the max of 80. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 20 years. |
| 2194551 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation Non-Borrower (XXX) received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated 06/10/2026 was incomplete/missing pages.? If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 06/30/2026 Client provided Disclosure History reflecting CD 06/10 was also sent via XXX to both on 06/10. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 32.98 is less than the max of 80. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 20 years. |
| 2194572 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 65.82% below guideline requirements 75.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 39 years. | ||||||||||||||
| 2171590 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x71 exceeds mortgage history guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 54.54% is 25.46 points below the program guideline maximum 80%. | ||||||||||||||
| 2171741 | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20 years at current job CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | ||||||||||||||
| 2171898 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 32 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.16% CLTV below guideline requirements of 85% per program. | ||||||||||||||
| 2171562 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 12 years at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 10 years. | ||||||||||||||
| 2171651 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 61 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.47% CLTV below guideline requirements of 85% per program. | ||||||||||||||
| 2171591 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.53% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.36% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2194577 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation borrowing spouse XXX) received an accurate CD 3 business prior to closing. XXX Electronic Evidence provided dated 06/10/2026 was incomplete/missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 07/01/2026 Client provided a collaborate comment: Initial CD was sent electronically and was not opened by spouse. Please satisfy the finding as 2B. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 25 years current residence time CFCFS5269: Minimal use of credit - Clayton Comments: 11% revolving credit utilization |
| 2171672 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 28 years current job time CFCFS5269: Minimal use of credit - Clayton Comments: 18% revolving credit utilization CFCFS1736: Significant time at current residence - Clayton Comments: 21.10 years current residence time | ||||||||||||||
| 2171652 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: $54,735.91 in revolving/installment debt paid at close. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12.11 years current job time CFCFS5269: Minimal use of credit - Clayton Comments: 20% revolving credit utilization | ||||||||||||||
| 2172236 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 40 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 782 is 122 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.01% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 47.83% LTV below guideline requirements of 90.00% per program. | ||||||||||||||
| 2171673 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 29.1 years current job time CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 20.1 years current job time | ||||||||||||||
| 2194326 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 37.65% CLTV below guideline requirements of 90% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 26 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2194396 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 19 years and 2 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.32% LTV below guideline requirements of 80.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years | ||||||||||||||
| 2172097 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 13.1 years current residence time CFCFS5269: Minimal use of credit - Clayton Comments: 22% revolving credit utilization | ||||||||||||||
| 2171718 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 75 mos. mtg. history review with 0X30,60,90 days. Paid as agreed. CFCFS1736: Significant time at current residence - Clayton Comments: 5 years current residence time | ||||||||||||||
| 2171515 | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 11+ years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Employed since 06/07/2005. | ||||||||||||||
| 2171719 | XXXXXX | HI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | N/A | N/A | A | A | Credit | DTI | Satisfied | D | A | D | A | XXXX | Missing verification of some or all components of non-subject PITI | No | Missing documentation of homeowners insurance and property tax payments for address XXX disclosed on the application as a second home. | 4.8.2026 Client provided updated 1003 adding REO XXX. and monthly $35.00 however did not receive documentation to support $35.00; condition remains for HOI (if applicable) and taxes, etc. 4.10.2026 Client provided XXX for XXX verifying monthly taxes of $35.00 however no evidence of monthly HOI, if applicable. XXX reflect Land use: Residential Vacant with description as Lot 4 | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.63% DTI below guideline of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 FICO exceeds guideline of 760. |
| 2171498 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.84% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 802 is 142 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.50% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 10 years and 10 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 8 months | ||||||||||||||
| 2194479 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 771 > is above guideline minimum credit score 760. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 43.16% is 46.84 points below the program guideline maximum 90%. | ||||||||||||||
| 2171635 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 29 months CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 35 years | ||||||||||||||
| 2171674 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0X30 since origination in 9/2020. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 66.45is less than the max of 75. | ||||||||||||||
| 2194418 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | XXXX | Missing disclosure | No | Missing LE:5/28/2026. | 06/22/2026 Client provided the missing LE 5/28. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 16.88% below guideline requirement 45.00%. |
| 2194418 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counselling organizations is dated 6/2/2026, application date is 5/25/2026. List of homeowners counselling organizations is not within 3 business days of application. | 06/22/2026 Client provided missing List of homeowners counseling organizations dated 05/28. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 16.88% below guideline requirement 45.00%. |
| 2172135 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 730 is 307 points above program guideline minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.00% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2194339 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 59.35% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 770 is 110 points above program guideline minimum of 660. | ||||||||||||||
| 2194435 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.72% DTI is below guideline requirement of 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 752 is 92 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 21.13% LTV below guideline requirements of 85.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 24 years and 1 month | ||||||||||||||
| 2171899 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 8 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 59.04% below guideline requirements 75.00% | ||||||||||||||
| 2172098 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counselling organizations is dated 3/27/2026, application date is 2/20/2026. List of homeowners counselling organizations is not within 3 business days of application. | 04/28/2026 Client provided missing List of homeowners counseling organizations dated 2/25. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 35 years current residence time CFCFS1739: Positive mortgage payment history - Clayton Comments: 48 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. CFCFS5269: Minimal use of credit - Clayton Comments: 4.00% revolving credit utilization |
| 2172098 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial LE is dated 3/27/2026, application date is 2/20/2026. Initial LE is not within 3 business days of application. | 04/28/2026 Client provided the Initial Disclosures including Initial LE 2/25. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 35 years current residence time CFCFS1739: Positive mortgage payment history - Clayton Comments: 48 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. CFCFS5269: Minimal use of credit - Clayton Comments: 4.00% revolving credit utilization |
| 2194493 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.80% DTI is below guideline requirement of 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.00% LTV below guideline requirements of 85.00% per program. | ||||||||||||||
| 2171542 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 21 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 FICO exceeds guideline of 720. | ||||||||||||||
| 2171618 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS2854: Significant time in profession - Clayton Comments: 10yrs time in profession CFCFS1736: Significant time at current residence - Clayton Comments: 8yrs time at current residence | ||||||||||||||
| 2171728 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | XXXX | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation to support Child Support on the final 1003 for Borrower 1 of $650 monthly | 4.9.2026 Client provided LOX stating, borrowers are 69 and 75. There is no child support due. Response, condition remains for either: LOX from borrower stating no monthly child support or Lender certification stating what the $650 reflected on Final 1003 was for? it appears have been removed with updated 1003. Please further clarify what the $650 input for child support was for and verify with borrower this is indeed not a monthly debt. 4.14.2026 Client provided an LOX stating borrowers age and stated I believe the child support on the loan application is a mistake. Response, stating I believe is a mistake does not support this as not being a monthly obligation, LOX from borrowers are required. Condition remains, this affect the DTI if it is an obligation, LOX is needed from Borrowers. 4.20.2026 Client provided Borrowers signed LOX stating child support on the application was a mistake. Response, also requested for lender 1008 to support the monthly $1,047 (this appears to include monthly child support of $650), updated 1003 was previously provided removing child support however 1008 total monthly of $1,047 appears to include $1,047; Lender to clarify total monthly debts of $1,047 which appears to include child support of $650.00 4.24.2026 Client provided Lender updated 1008 removing monthly $650 from debts with updated DTI of 34.91% | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 9 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 27 months |
| 2171728 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | DTI | Satisfied | B | A | B | A | XXXX | Debt Ratio Exception >5% and <10% | No | Review DTI of 48.99% exceeds maximum allowed of 45% with a credit score of 691. Appears XXX income was doubled per Income Calc in file. | 4.9.2026 Client provided LOX stating, XXX income is not doubled. Borrower receives pension from XXX and then receives Dividend and Interest income from XXX. Response, this DTI condition appears to be due to DD Firm is including monthly $650 for child support and included in Lender DTI. Condition remains for lender to verify what is the monthly total debt of $1,047 includes (appears to include $650 child support). 4.14.2026 Client provided an LOX stating borrowers age and stated I believe the child support on the loan application is a mistake. Response, stating I believe is a mistake does not support this as not being a monthly obligation, LOX from borrowers are required. Condition remains, this affect the DTI if it is an obligation, LOX is needed from Borrowers and Client to verify what is the monthly $1,047 (this amount appears to include the $650 due to our total is the same and includes $650 C.S.). 4.20.2026 Client provided Borrowers signed LOX stating child support on the application was a mistake. Response, also requested for lender 1008 to support the monthly $1,047 (this appears to include monthly child support of $650), updated 1003 was previously provided removing child support however 1008 total monthly of $1,047 appears to include $1,047; Lender to clarify total monthly debts of $1,047 which appears to include child support of $650.00 4.24.2026 Client provided Lender updated 1008 removing monthly $650 from debts with updated DTI of 34.91% | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 9 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage Payment history 0 X 30 over 27 months |
| 2196106 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 18 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 67.27% is 17.73 points below the program guideline maximum 85%. | ||||||||||||||
| 2171988 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Insurance | Satisfied | C | A | C | A | XXXX | Insurance Effective date is greater than the transaction date | No | Insurance effective date of 4/30/2026 is greater than the transaction date of XXX. | 4.27.2026 Client provided prior subject HOI policy effective 4.30.2025 - 4.30.2026 and current policy in file is dated 4.30.2026 - 2027 | Condition satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.09 DTI below guideline of 45. |
| 2171675 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed for 8 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.59% max per guidelines is 45%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 25 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 48.64% max per guidelines is 90%. | ||||||||||||||
| 2171900 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 17 years. | ||||||||||||||
| 2194547 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 6.29.26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.82 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 71.95 is less than the max of 80. |
| 2194547 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 6.29.26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.82 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 71.95 is less than the max of 80. |
| 2194547 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation Borrower (XXX) received an accurate CD 3 business prior to closing. XXX Electronic Evidence provided dated 06/01/2026 was incomplete/missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 07/02/2026 Client provided a collaborate comment: Unable to provide documentation for Non-borrowing spouse received CD 3 days prior. Please satisfy with final grade B. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.82 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 71.95 is less than the max of 80. |
| 2194443 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 67.91% below guideline requirement 80.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 12 years. | ||||||||||||||
| 2194476 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | XXXX | Missing disclosure | No | Missing LE:05/09/2026. Intent to proceed confirmation indicating LE 5/09/26 was issued to borrower(s). | 06/26/2026 Client provided a copy of the Intent to proceed reflecting Borrower received LE 5/9. Condition remans for LE 5/9 or signed attestation that an LE dated 5/9 was not provided to the Borrower and reflecting additional in formation of the XXX delivery method on Disclosure history dated 5/9. 07/02/2026 Client provided a collaborate comment: The initial LE was issued on 5/06 and mailed to the borrower 5/9 supporting same disclosure provided. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 754 > is above guideline minimum credit score 740. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 21.97% is 23.03 points below the program guideline maximum 45%. |
| 2194476 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counselling organizations is dated 05/29/2026, application date is 5/06/2026. List of homeowners counselling organizations is not within 3 business days of application. | 06/26/2026 Client provided missing List of homeowners counseling organizations dated 5/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 754 > is above guideline minimum credit score 740. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 21.97% is 23.03 points below the program guideline maximum 45%. |
| 2194476 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | XXXX | MI Home Loan - Michigan Home Loan Toolkit is not timely | No | MI Home Loan - Michigan Home Loan Toolkit is not timely | 06/26/2026 Client provided a copy of the Tool kit. Condition remains. Provide evidence provided with initial Disclosures.06/30/2026 Client provided the Intent to proceed that reflects loan estimate and Service providers, Disclosure history reflecting sent via e-sign and XXX and another document that is unable to open. Condition remains. Provide evidence that the Toolkit was a part of the initial disclosures. 07/02/2026 Client provided Disclosures provided dated 5/6 including Acknowledgement page reflecting tool kit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 754 > is above guideline minimum credit score 740. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 21.97% is 23.03 points below the program guideline maximum 45%. |
| 2194476 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | N/A | N/A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | Initial application was taken 05/06/2026, the initial LE was not issued until 05/29/2026. Greater than the required 3 days | 06/26/2026 Client provided missing LE 5/6. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 754 > is above guideline minimum credit score 740. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 21.97% is 23.03 points below the program guideline maximum 45%. |
| 2172192 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | N/A | N/A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | XXXX | Loan documents do not meet guideline requirements | No | Missing proof of no HOA dues for property located at: XXX Required for DTI purposes. | 4.20.2026 Client provided evidence of monthly HOA of $41.67 for XXX and provided updated 1008 included in DTI | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 5.7 years current residence time CFCFS1739: Positive mortgage payment history - Clayton Comments: 24 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. |
| 2194466 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 801 > is above guideline minimum credit score 760. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 10 years. | ||||||||||||||
| 2171720 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 63.82% below guideline requirements 80.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 18 years at current residence. | ||||||||||||||
| 2194461 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 59.37% CLTV below guideline requirements of 80% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 77 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2172150 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | N/A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | XXXX | Most recent FSD score outside of approved variance | No | Need updated third party valuation since FSD score is outside of the approved variance. | 4.23.2026 Client provided XXX AVM dated 3.24.2026 with value of $XXX FSD 0.09 and High Confidence 91.00% | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 772 > is above guideline minimum credit score 760. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 8 years. |
| 2171721 | XXXXXX | LA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: 28yrs time at current residence | ||||||||||||||
| 2194392 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7.3 years current job time CFCFS5269: Minimal use of credit - Clayton Comments: 17% revolving credit utilization | ||||||||||||||
| 2194583 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.89% DTI below guideline requirement of 45%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 30 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171989 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 69.45% is 15.55 points below the program guideline maximum 85%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 38.01% is 6.99 points below the program guideline maximum 45%. | ||||||||||||||
| 2171636 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 52 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 38.47% CLTV below guideline requirements of 80% per program. | ||||||||||||||
| 2194524 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 2 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 58.87% LTV below guideline requirements of 75.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.26% DTI is below guideline requirement of 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years | ||||||||||||||
| 2171921 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.54% LTV below guideline requirements of 75.00% per program. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 10 years and 7 months | ||||||||||||||
| 2194427 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 36 years and 10 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 7 years and 9 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 58.84% LTV below guideline requirements of 85.00% per program. | ||||||||||||||
| 2171619 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0x36 CFCFS1736: Significant time at current residence - Clayton Comments: 12yrs time at current residence | ||||||||||||||
| 2194566 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 76.04% CLTV below guideline requirements of 85% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 27 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | ||||||||||||||
| 2171983 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 68.70% below guideline requirements 80.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 10 years. | ||||||||||||||
| 2171620 | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14.5 years current job time CFCFS1745: Significant total monthly debt reduction - Clayton Comments: paying off $130,903 in revolving/instalment debt. | ||||||||||||||
| 2194361 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | XXXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan file is missing B1's paystubs and W2 or VOI/Income required to calculate B1's monthly income and render an accurate ATR/QM status. Please provide missing documents. | 6.18.2026 Client provided Written VOE (XXX) dated 5.20.2026 covering YTD 2026 and prior two years earnings, supporting monthly base and OT used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 47.73% LTV below guideline requirements of 75.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 28 years and 9 months |
| 2194361 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | N/A | N/A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | XXXX | Missing Required Income Documentation | No | Missing B1's paystubs and W2 or VOI/Income required to calculate B1's income. Please provide missing documents. | 6.18.2026 Client provided Written VOE (XXX) dated 5.20.2026 covering YTD 2026 and prior two years earnings, supporting monthly base and OT used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 47.73% LTV below guideline requirements of 75.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 28 years and 9 months |
| 2171990 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $2,298 a month. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 46.15 is less than the max of 75. |
| 2171990 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | N/A | N/A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | XXXX | XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $2,298 a month. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 46.15 is less than the max of 75. |
| 2172151 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 65% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 23 years at current job | ||||||||||||||
| 2171852 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 64% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 34 years on current SE job | ||||||||||||||
| 2171849 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 60% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 33% | ||||||||||||||
| 2194612 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 70.71% is 14.29 points below the program guideline maximum 85%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 18 years. | ||||||||||||||
| 2171788 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 21 years and 4 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 8 years and 11 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.47% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.69% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2194272 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 59.46% is 15.54 points below the program guideline maximum 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 21 years. | ||||||||||||||
| 2171901 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 8 years. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 30 years. | ||||||||||||||
| 2171475 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 61.69% below guideline requirements 80.00% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 23.16% below guideline requirement 45.00%. | ||||||||||||||
| 2171902 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6 years 6 months at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 FICO exceeds guideline of 720. | ||||||||||||||
| 2172237 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x65 exceeds mortgage history guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 61.27% is 13.73 points below the program guideline maximum 75%. | ||||||||||||||
| 2194289 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 7 years at current residence | ||||||||||||||
| 2171676 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | XXXX | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application in file stated as issued on 3/05/26. File is missing and initial LE 3/06/26 along with the initial HCO list issued on 3/06/26. | 04/24/2026 Client provided missing List of homeowners counseling organizations dated 03/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 10 years in same line of work/profession CFCFS1739: Positive mortgage payment history - Clayton Comments: 38 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. CFCFS1736: Significant time at current residence - Clayton Comments: 10.8 years current residence time |
| 2171676 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | N/A | N/A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Loan Estimate not timely | No | File is missing the initial LE stated in documentation in the file. The App Date is 3/5/25 however the first LE in file was issued 3/12/26. Completed initial LE required for further testing, additional conditions may apply. | 04/24/2026 Client provided the missing Initial LE 3/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 10 years in same line of work/profession CFCFS1739: Positive mortgage payment history - Clayton Comments: 38 mos. mtg. payment history with 0X30,60,90 days. Paid as agreed. CFCFS1736: Significant time at current residence - Clayton Comments: 10.8 years current residence time |
| 2194458 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 33 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 54.22% CLTV below guideline requirements of 75% per program. | ||||||||||||||
| 2171833 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 46 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 54.33% is 25.67 points below the program guideline maximum 80%. | ||||||||||||||
| 2171592 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70.52 is less than the max of 85 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25.12 is less than the max of 45. | ||||||||||||||
| 2194410 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.24% LTV below guideline requirements of 90.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 25 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 795 is 135 points above program guideline minimum of 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 6 years and 6 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.41% DTI is below guideline requirement of 45.00%. | ||||||||||||||
| 2171826 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been > 21 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >30 years at current job | ||||||||||||||
| 2171528 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | N/A | N/A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | XXXX | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Provide documentation Non-Borrower XXX received an accurate CD 3 business days prior to closing.XXX Electronic Evidence provided dated 03/25/2026 was incomplete/missing pages.? If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/30/2026 Client provided Disclosure History reflecting Initial CD was also sent via XXX 03/25. Mail rule applies, making the earliest closing date XXX. Actual closing date XXX | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 713 > is above guideline minimum credit score 700. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 20 years. |
| 2172099 | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | A | A | XXXX | CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 12 years. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $1,000 a month. |