Exhibit 99.6
| Conditions Report 2.0 | |
| Loans in Report: | 362 |
| Loans with Conditions: | 54 |
| Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | Condition Sub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors |
| A3DF2791-05C2-4219-86A5-CD4620E72448 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 756 is above guideline minimum of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX months PITIA reserves above guideline minimum | |||||||||||||||
| A4F2B232-774B-4118-ADDC-0DCA2AEF3826 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Provide updated CDA; Current CDA in file dated XXX, done by a different appraiser than the original appraisal in file dated XXX |
10/7/26 Client provided Appraisal dated XXX and stated Please see uploaded new Appraisal Report and SSRs with scores CU - 1.3 & LCA - 3, which makes CDA not required. Please disregard the previous CDA |
10/7/26 Upon further review, CDA dated XXX not used as this was dated prior to appraisal date XXX SSR score 1.3 and LCA score 3.0 supports current appraisal in file. Exception satisfied. |
(No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 4.51 months of PITI reserves more than the 3 months of required reserves |
| 6F75E8F9-43C2-4402-9D7F-F3E76F531BA4 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 30 points below maximum guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 165 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 19.67 months of PITIA reserves more than the 3 months of required reserves | |||||||||||||||
| 789034C6-6395-424E-8AEA-413C071C95BD | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 1.58 months PITI reserves above guideline minimum of 3 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 747 is above guideline minimum of 640 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 60.4% is below guideline maximum of 80% | |||||||||||||||
| 1F2F1536-14E3-4115-ADDF-F93930ED724E | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 29 points below maximum guideline 80%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower's Rental History is 0 x 30 x 32 months (VOR) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 58 points above guideline minimum of 700. | |||||||||||||||
| 3F4AE316-FE1A-4E18-BA04-6A25BC17445C | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Property Detail report for XXX XXX XXX XXX financed with XXX loan #XXX Was reflected on the Final 1003 REO section. |
8/14/26 Client provided Property Detail report for XXX XXX XXX financed with XXX loan #XXX |
8/14/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x30 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum 80%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x80 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 264.68 months PITIA above 3 month guideline minimum. |
| 52E4480D-3275-425E-AE6B-5DDCA813FE81 | XXXXXX | DC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 24.61 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 74 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x169 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x84 | |||||||||||||||
| EAB353FB-9842-4FF5-91D6-207F413ED311 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Missing Page 1 & 2 of Final 1003 | 8/18/26 Client provided updated 1003 including all pages. |
8/18/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 48.61 points below maximum guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 112.82 months of PITI reserves more than the 3 months of required reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 154 points above guideline minimum of 640 |
| EE4111E0-A39B-48CC-871C-0F2B3DBB58CB | XXXXXX | NY | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | The homeowner's insurance policy has an effective date of 08/11/2026Loan disbursement date of XXX |
8/6/26 Client provided Hazard Binder receipt and a copy of binder with dates not reflected / not legible. 8/7/26 Client provided Hazard binder (page 2) dates are blank and Management Exception form unable to open. 8/10/26 Client provided Hazard binder with effective date XXX and expiration date XXX . 8/10/26 Clayton response: Received binder with dates which did not reflect on the previous submission. This will satisfy exception. |
8/6/26 Exception remains. 8/7/26 Exception remains. 8/10/26 Exception satisfied. |
Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 105.07 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 Median FICO > 161 points above guideline minimum of 640 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 42.72% is > 32.28% below guideline maximum of 75.00% |
| DC5E89C4-6C47-4395-9F1F-56FF30C6C9D8 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 84 points above guideline minimum of 640 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years at current primary residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 8.86 points below maximum guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 48.05 months of PITIA reserves more than the 3 months of required reserves | |||||||||||||||
| 0E315BB7-BA7B-4157-9FD5-9D6C2BA47A95 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 317 months of PITIA reserves more than the 3 months of required reserves. | |||||||||||||||
| FC1687F3-EB88-41AA-A08F-B90E96BA90A5 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x65 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 72.06 months of PITI reserves more than the 3 months of required reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 118 points above guideline minimum of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 50 points below maximum guideline. | |||||||||||||||
| 5FC93AA0-39A1-4B5A-87CD-77221424ABFA | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 80.90 months of PITI reserves more than the 3 months of required reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 109 points above guideline minimum of 620 | |||||||||||||||
| FA81C01F-D834-42CB-A5D1-3D78D6DD05BA | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10.52 points below maximum guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 131.30 months of PITIA reserves more than the 3 months of required reserves | |||||||||||||||
| A8390474-F8D3-419F-944B-BB57E7038451 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 65.00% > 10.00 points below guideline maximum LTV of 75.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 15.05 months PITIA above guideline minimum of 3.00 PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 Median FICO > 112 points above guideline minimum of 660. | |||||||||||||||
| 0B9FF879-1305-4CF9-80D3-01473142D4BC | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 698 is above minimum credit score of 600 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $XXX or 3.79 months PITIA. No reserves are required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 48.90% is below maximum LTV of 75% | |||||||||||||||
| 5E4DB8FF-0E95-4044-8C97-A27F9BDC576D | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 26.70 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 Median FICO > 139 points above guideline minimum of 640 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 58.39% is > 16.61% below guideline maximum of 75.00% | |||||||||||||||
| A1B72A1C-0D0F-4A6E-99AE-CFD9A50B16E3 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 125.87 months PITIA above guideline minimum 3.00 months PITIA. | |||||||||||||||
| 9A107AF2-6959-41C0-9CA8-0F7FB35B85D9 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 27.67 months PITI above guideline minimum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 1x30x60 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 1x30x396 | |||||||||||||||
| 5E95FAE4-415C-4A82-902C-41F4A722A5F9 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 Median FICO > 190 points above guideline minimum of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x48 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x99 | |||||||||||||||
| B160DBA3-2D87-42BC-A386-507495F0E723 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x288 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x132 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 8.28 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 96 points above guideline minimum | |||||||||||||||
| 6A8849E9-0608-4A4D-BB5A-657DD3A97E40 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 109.84 months PITI above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Median FICO > 107 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x180 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 107 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x96 | |||||||||||||||
| 42EA113E-0850-4CFD-9E5F-CB4F7C778F05 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 162 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 25.87 months of PITIA reserves more than the 3 months of required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: Median FICO 5 points above guideline minimum of | |||||||||||||||
| F3922075-48E3-426C-AC68-36A4B7012CA2 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Borrower's contact information required by the guideline |
8/19/26 Client provided Borrower's contact information |
8/19/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 53.62 months PITIA reserves above guideline minimum |
| B82819AE-5649-4F84-9DF1-997E8C00792D | XXXXXX | PA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount $XXX is below guideline minimum $XXX |
8/27/26 Client provided Credit Approval exception for Loan amount. |
8/27/26 Upon Further review, exception is considered non material B based on FICO of 785 and reserves of 95.89 months over 3 month requirement and 0x30 on consumer debt for past 166 months. |
(No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 92.89 months of PITI reserves more than the 3 months of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 85 points above guideline minimum of 700 |
| 5CA737EF-3678-4155-A157-BC0089017318 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 798 is above guideline minimum of 660 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 64.19% is below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 118.44 months PITIA reserves above guideline minimum | |||||||||||||||
| 7E7F640B-B0F1-4936-B792-11295E5B68FC | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 Median FICO > 125 points above guideline minimum of 640 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 44.18 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 47.54% is > 27.46% below guideline maximum of 75.00% | |||||||||||||||
| 6F381A6C-B135-4F7D-B56D-317E452B925B | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x81 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 105 points above guideline requirement. | |||||||||||||||
| 8829520E-C66A-4ABA-A64C-52D7B0E12DE4 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 23.00 months of PITIA reserves more than the 3 months of required reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 82 points above guideline minimum of 640 | |||||||||||||||
| 05CD1575-4A35-4DDF-8255-3014571E9600 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Borrowers LTV 80% exceeds guideline maximum 75%. (80% -5% declining market = 75%). |
8/12/26 Client provided management exception8/12/26 Clayton response: Unable to open and review. Please resend. 8/18/26 Client provided Management exception for LTV via email. |
8/12/26 Exception remains. 8/18/26 Upon further review, exception is considered non material B based on FICO 767, Reserves of 239.48 months PITI reserves, Consumer pay history 0x30x99. |
(No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 Median FICO > 67 points above guideline minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 236.48 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30x99 |
| D64E86F8-4C9C-4F44-A5FD-774CED4CC8D5 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower's owned their primary for the past XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 13.08 months of PITI reserves more than the 3 months of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 56 points above guideline minimum of 700. | |||||||||||||||
| 97E05049-E14C-429D-A752-052F26AEC0D4 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing updated 1008 reflecting subject as a Rate and Term Refinance. Post close CD reflects borrower brought funds to close of $98,183.49 making this transaction a rate and term. |
9/15/26 Client provided email stating Borrower wanted to proceed with transaction as a Cash Out vs Rate and Term. |
9/15/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 64.67% is below maximum LTV 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 726 is above guideline minimum of 640 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $XXX or 43.56 months PITI. No reserves are required per the guideline. |
| 21E6FC7C-EF0F-4F40-B9AB-982FD3539706 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 132 points above guideline minimum of 640 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 92.92 months of PITI reserves more than the 3 months of required reserves CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x82 | |||||||||||||||
| 69A08EE8-F9E9-42EB-9F77-2B75B3CF4F40 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing the Flood Certificate for the subject property. |
8/10/26 Client provided Flood Cert. | 8/10/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 104.93 months PITIA above guideline minimum 6.00 months PITIA. |
| AD11F7CA-229E-4E1A-A7BF-F60EDD03BA7B | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 53 points above guideline minimum of 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 61 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 59.14 months of PITIA reserves more than the 3 months of required reserves | |||||||||||||||
| 9F89A439-C94B-4C12-B196-830EEA2EB3EF | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 49.72 months of PITIA reserves more than the 6 months of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 120 points above guideline minimum of 620. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their primary for the past XXX years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 82 months. | |||||||||||||||
| 96F9C9A5-F61E-40ED-BDD1-B227F32BCFA8 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 100.12 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 147 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10.00 points below guideline maximum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x108 | |||||||||||||||
| 68C91B1F-BCB4-4574-B486-3CDCCF96571C | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 156 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x108 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 204.57 months PITI above guideline minimum. | |||||||||||||||
| 8421ADD9-3226-4F99-9310-0FD6FB24F7A2 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x28 months positive rental payment history meeting 12 month guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x60 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 62 points above guideline requirement of 660 for First Time Home buyer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 8.91 months PITIA above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 17.5 points below guideline maximum. (80% - 5% for First Time Home buyer = max 75%). | |||||||||||||||
| 53DC7EF5-3F78-49F4-8B54-98666ED1FAA6 | XXXXXX | KY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 Median FICO > 94 points above guideline minimum of 700 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x82 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x98 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 95.60 months PITIA above guideline minimum 3.00 months PITIA. | |||||||||||||||
| 87637824-93D9-4717-B0DA-F0F917D1770B | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in primary for the past XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 100 points above guideline minimum of 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 87 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 107.91 months of PITI reserves more than the 3 months of required reserves. | |||||||||||||||
| BEA84FBB-A0A6-43DA-8956-BA49A8B5A13D | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Missing Borrower information form as required for XXX XXX Co-Borrower, XXX is in the file |
8/31/26 Client provided Borrower information sheet for Borrower and ACH form. |
8/31/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 36 months of PITIA reserves more than the 3 months of required reserves. |
| DE364995-F96D-4D55-88CD-1E5F5AE04C4D | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 133 points above guideline requirement of 620 for purchase transactions. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x24 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 9.85 months PITIA above 3 month guideline minimum . | |||||||||||||||
| B2DE6AED-4022-4267-B32B-5CBED00E08F5 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x66 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 155 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 21.61 months of PITIA reserves more than the 3 months of required reserves | |||||||||||||||
| 23886334-A8E0-4D7D-AB01-1E91047AEF5F | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Borrowers LTV is 5% above guideline maximum for 1st time Homebuyer/Investor. Max LTV 80% - 5% for First Time Homebuyer/Investor - max LTV 75%. |
8/10/26 Client provided Loan approval for LTV greater than 75%. |
8/10/26 Upon further review, exception is non material B based on credit score 704, reserves of $63,991.07 or 30.33 months greater than 3 months requirement. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at his current residence for the past XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 84 points above guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 30.44 months of PITI reserves more than the 3 months of required reserves. |
| FA3D2F8F-6530-468E-A8C7-BF6D39B63AD1 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 12.81 months PITI above guideline minimum. | |||||||||||||||
| 3ACCA548-7796-4901-89CA-1612FB322F67 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 5.86months PITIA above guideline minimum 3.00 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 664 Median FICO > 4 points above guideline minimum of 660 | |||||||||||||||
| FBD26696-42A5-4739-954D-D5FFD81E346F | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has .84 months reserves above guideline minimum | |||||||||||||||
| 1E162621-87B2-472F-855B-7F1D3676D983 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 147 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5.00 points below guideline maximum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x160 | |||||||||||||||
| E17E38C2-983B-4BF9-A1F6-09B9BFA894A6 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 116 months of PITIA reserves more than the 3 months of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 105 points above guideline minimum of 700 | |||||||||||||||
| BAA58169-1BB1-46DE-A839-9B24B203A57C | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 8.91 months PITI above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum. | |||||||||||||||
| 8F10FF63-EC4A-47A8-9CD1-CE7A0665ECAA | XXXXXX | NV | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2996 | Missing Trust Documents | No | Missing trust documents or Trust certificationVesting is in name of XXX XXX and XXX XXX XXX co-trustee, or their successors in Trust under the XXX XXX & XXX XXX Revocable living trust dated XXX |
8/13/26 Client provided Trust Certification | 8/13/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 65% is below guideline maximum of 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 42.41 months PITIA reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 778 is above guideline minimum of 660 |
| 47831D17-F972-46E4-BCEA-2BC5E4F96E9D | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 1.33 months PITIA reserves above guideline minimum of 3 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 60% is below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 732 is above guideline minimum of 620 | |||||||||||||||
| C69E2104-67D5-4F38-A799-B1B06B004E7E | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 5.47 months PITIA reserves above guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 740 is above guideline minimum of 700 | |||||||||||||||
| 37F93CFD-83B3-4032-8910-F8A40B08E361 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x96 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 135 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 40.00 points below guideline maximum | |||||||||||||||
| 976BD12F-EDFD-4976-8CBF-4FD360116154 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5.00 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO is 75 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 2.41 months PITI above guideline minimum. | |||||||||||||||
| 90E47646-BC30-467B-977F-143E3C0EE2D0 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x23 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x392 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 12.73 months PITIA above 3 month guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 201 points above guideline requirement of 620 for purchase transactions. | |||||||||||||||
| DF2384AF-673B-4140-B58F-F422BABC1EE1 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 34.26 months PITIA above 3 month guideline minimum. | |||||||||||||||
| 400BD941-17FB-4790-B798-7AC20308ED8E | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage | 08/28/2026 Client provided executed Mortgage and Riders. |
08/28/2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 10 months PITI above guideline minimum. |
| 400BD941-17FB-4790-B798-7AC20308ED8E | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC195 | Missing Note | No | Missing Note | 08/28/2026 Client provided Note. | 08/28/2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 10 months PITI above guideline minimum. |
| 400BD941-17FB-4790-B798-7AC20308ED8E | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Missing Final signed 1003 and add XXX XXX XXX . to schedule of Real Estate. | 8/28/26 Client provided signed 1003.8/28/26 Clayton response: Missing 9/1/26 Client provided updated 1003 with XXX XXX XXX added to REO section. |
8/28/26 Exception remains. 9/1/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 10 months PITI above guideline minimum. |
| 400BD941-17FB-4790-B798-7AC20308ED8E | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing signed ACH form and Missing Borrower Information FormBoth required by G/L's for XXX XXX | 8/28/26 Client provided ACH and Borrower Contact information sheet. |
8/28/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 10 months PITI above guideline minimum. |
| A61A5AA6-89D6-4663-B0AF-9A376C665DAD | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 58 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 13.33 points below guideline maximum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x48 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x36 | |||||||||||||||
| 7E0B2AFE-1D80-458E-8270-458DC8F18642 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | File missing flood cert doc | 8/17/26 Client provided Flood Certificate | 8/17/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 169 points above guideline minimum of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years at current residence |
| 8362D1E1-256C-4FC2-92E1-BA16256E36DB | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 133 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 1.18 months PITI above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 17.74 points below guideline maximum | |||||||||||||||
| AE2D651F-A033-420E-AC33-CDFF9871E88C | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 280.28 months PITI reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 807 is above minimum credit score of 660 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75% is below guideline maximum of 80% | |||||||||||||||
| 32B09035-35E3-47E1-859C-CC493FCF65C6 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 65% is below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 76.80 months PITIA reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 757 is above guideline minimum of 660 | |||||||||||||||
| 31A60F64-1CFC-4455-8950-AAD74CC6F23A | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 43.11 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO >94 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10.00 points below guideline maximum | |||||||||||||||
| 0CFA72D2-1780-412B-8E30-F1EA7DC1910E | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5.0 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 111.46 months PITI above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has OX30X168 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 137 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has OX30X144 | |||||||||||||||
| 0238CD62-C6C6-4B69-A684-38714F44317C | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 196 points above guideline requirement of 620 for purchase transaction. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x150 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 53.09 months PITIA above 3 month guideline minimum. | |||||||||||||||
| D9D5FD70-3606-4C2E-810E-87E12B298445 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 48.13 months PITI reserves above guideline minimum CFCFS1736: Significant time at current residence - Clayton Comments: XXX years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 19.54% is below guideline maximum of 65% | |||||||||||||||
| 0E505308-C79B-4D9E-84FB-58AA5C1C2799 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 1 x 30 x 78 months (Late 12/2021) CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 4.34 months of PITIA reserves more than the 3 months of required reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 23 points above guideline minimum of 700. | |||||||||||||||
| A1D707ED-29F8-41A5-B866-0F27310E1871 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 50.85 months of PITIA reserves more than the 3 months of required reserves CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 110 points above guideline minimum of 620 | |||||||||||||||
| 338A9C90-5FB3-4D60-982E-D87F14196505 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 107.71 months PITI reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 738 is above guideline minimum of 700 | |||||||||||||||
| 56FFDF34-CFC4-4E35-8B26-BA6EB7F77003 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Certification Document. | 8/11/26 Client provided Flood Cert | 8/11/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 215.51 months PITI reserves above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 67.09% is below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 723 is above guideline minimum of 660 |
| 0FCBE491-29EF-4A7D-81C6-A8C4C60AF986 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2996 | Missing Trust Documents | No | Missing Trust Agreement or Certification of Trust for The XXX XXX and XXX XXX XXX XXX Revocable Living Trust, Dated XXX | 8/17/2 Client provided Trust Certification. | 8/17/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has > 10.10 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 43.99% is > 36.01% below guideline maximum of 80.00% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 Median FICO > 188 points above guideline minimum of 600 |
| 347E1C7C-855C-4E02-9270-AFFA6C548D1F | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Borrower and Co-borrower's contact information sheet. | 8/21/26 Client provided ACH8/21/26 Clayton response: Missing Borrower and Co-Borrower contact information sheet. Borrowers are XXX XXX 8/26/26 Client provided both ACH and Contract information sheets for both borrowers. |
8/21/26 Exception remains. 8/26/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 2.51 months PITIA above 3 month guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 6 points below guideline maximum. |
| F1103873-136C-4F4F-8E3E-8DF131D96DDA | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 106.57 months PITIA above guideline minimum. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x52 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x92 positive consumer payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 120 points above guideline requirement of 640 for cash out transaction. | |||||||||||||||
| 070741A5-B431-41E6-922C-B8726EA98EE1 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing the following: #1 - Missing Property Report, Taxes and Insurance for property financed with XXX on XXX for XXX XXX XXX ., XXX , OH XXX . Note is in file (loan number XXX . #2 Missing Property report, taxes and Insurance for property financed with XXX for XXX XXX XXX (loan #XXX ) | 8/20/26 Client provided the following: #1 - Note for XXX XXX XXX and CD for XXX XXX XXX #2 - Note and CD for XXX XXX XXX 8/20/26 Clayton response: Missing CD for XXX XXX XXX and Property reports for both properties. 8/21/26 Client provided CD for XXX XXX XXX and property reports for both XXX XXX and XXX XXX |
8/20/26 Exception remains. 8/21/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 156 points above guideline requirement of 620 for purchase transaction. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 153.40 months PITIA above 3 months guideline minimum. |
| FA54EDFE-80C1-47AA-B6F7-EEB1F3022947 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 4.69 months PITIA above 3 month guideline minimum. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x22 months positive mortgage payment history meeting 12 month guideline requirement. | |||||||||||||||
| 9C16E550-341F-4E28-AF1F-3CA48B8259AF | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 85.49 months PITI above guideline minimum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x288 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x288 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 120 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5.00 points below guideline maximum | |||||||||||||||
| E28C37D8-28CE-4DC1-B006-A6F1E9298529 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 8.90 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x48 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 Median FICO > 95 points above guideline minimum of 620 | |||||||||||||||
| 616681B4-ED90-4988-9C98-078799495AA7 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 810 is above guideline minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 5.83 months PITIA reserves above guideline minimum | |||||||||||||||
| F928EDE2-C377-4D78-96B0-548ADDE1D0A5 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 44.70 points below maximum guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 200 points above guideline minimum of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x52 | |||||||||||||||
| 8AE0A210-B532-476E-A68C-B327C6B450D1 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x82 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 115.70 months of PITI reserves more than the 3 months of required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 181 points above guideline minimum of 640 | |||||||||||||||
| 36D00C4A-53CC-4523-8FCD-51E802713447 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2996 | Missing Trust Documents | No | Missing trust agreement or certification of trust for The XXX XXX XXX Revocable Trust dated XXX | 9/9/26 Client provided Certification of Trust. | 9/9/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 30.73 months PITIA above guideline minimum of 3.00 PITIA CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 Median FICO > 141 points above guideline minimum of 640 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 54.05% > 15.95 points below guideline maximum LTV of 70.00%. |
| 721838AC-823B-450E-9266-D72BB71C33B6 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Missing Borrower contact information form required by guideline for XXX XXX | 9/10/26 Client provided Borrower contact information form. |
9/10/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 22 months of PITI reserves more than the 6 months of required reserves. |
| 4470FAF4-C075-4BD3-A558-871E5004CA87 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 3.92 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 Median FICO > 51 points above guideline minimum of 700 | |||||||||||||||
| CD9A4772-0DE2-48AC-BB36-3733D39EDA4C | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 74.56 months of PITI reserves more than the 3 months of required reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 640 points above guideline minimum of 640 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 57.06 points below maximum guideline. | |||||||||||||||
| 0D7697B5-E2EF-4055-A888-02C79BE3A186 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in primary residence for the past XXX yrs CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 47 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 26.09 months of PITI reserves more than the 3 months of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 81 points above guideline minimum of 700. | |||||||||||||||
| C66E6EED-FDA3-496E-B21E-219229E5CF7B | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower's owned primary for the past XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 5 months of PITIA reserves more than the 3 months of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 84 points above guideline minimum of 700. | |||||||||||||||
| 922E910F-B644-4362-B45B-00363F7AECC3 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 52 months CFCFS1736: Significant time at current residence - Clayton Comments: Borrower's have resided in their primary for the past XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 75 points above guideline minimum of 700 | |||||||||||||||
| CB2DAFC4-50A5-4BCB-AA38-29B83634D4EA | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have resided in their primary residence for the past XXX years.CO-Borrower have resided in their primary residence for the past XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 60 months of PITI reserves more than the 3 months of required reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 15 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 80 points above guideline minimum of 700. | |||||||||||||||
| DDF491B7-6E52-4920-8B30-8EE7F8817D5A | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 118 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 8.80 months PITI above guideline minimum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has OX30X144 | |||||||||||||||
| 99B0C09E-FBEC-40A0-BCBB-7F7C9FE208E6 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 45.45% is below guideline maximum of 75% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 750 is above guideline minimum of 640 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 102.84 months PITI reserves above guideline minimum | |||||||||||||||
| 4E1D3F88-2534-4C3B-A489-FA07BDEEE07D | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 5.79 months PITIA above guideline minimum | |||||||||||||||
| BB2A9B9B-4CE3-4003-AA87-F3B0F773799D | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 110 points above guideline minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 59.30 months of PITI reserves more than the 3 months of required reserves | |||||||||||||||
| AC2CC942-48D8-4D03-ACDB-5E0701756B6F | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2996 | Missing Trust Documents | No | Vesting is in name of XX XXX XXX and XXX XXX XXX Trustees of the XXX XXX XXX XXX, dated XXX and amended thereof. Missing Trust certification or Trust agreement and amendments | 8/14/26 Received Trust and Certification of Trust. | 8/14/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 60% is below guideline maximum of 70% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 802 is above guideline minimum of 640 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 16.13 months PITI reserves above guideline minimum |
| A2FB00F3-C3B0-4761-BCC3-AD7A28A0518B | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x264 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 40.92 points below guideline maximum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: : Borrower has 0x30x204 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 213 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 215.67 months PITI above guideline minimum. | |||||||||||||||
| 8E2902E9-D5DE-407B-A942-48D4B27543A5 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 51.35% is > 23.65% below guideline maximum of 75.00% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 108.42 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 Median FICO > 150 points above guideline minimum of 640 | |||||||||||||||
| E1BF829F-2C52-4421-9699-639B62FDD7B5 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 792 is above minimum credit score of 640 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 73.46 months PITI reserves above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 64.42% is below guideline maximum of 80% | |||||||||||||||
| 50FDB22B-83AC-4242-9569-9DA2680FC67F | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 14.33 months PITI above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x276 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below guideline maximum CFCFS1744: DTI below guideline requirement - Clayton Comments: Median FICO > 145 points above guideline minimum | |||||||||||||||
| C6E2F434-E0BE-4C12-8FFE-2DC3AB5759B7 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Purchase contract for subject transaction. Contract addendum in file verifying address. | 8/26/26 Client provided Purchase Contract and addendum confirming subject address. |
8/26/26 Excception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x77 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 6.70 months PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 143 points above guideline requirement of 620 for purchase transactions. |
| 557F7A07-D88D-41A3-BA87-E1CD164F2985 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36 months paid as agreed CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 88.54 months PITI reserves above guideline minimum of 3 months. | |||||||||||||||
| 6D8D4C49-5B5C-483A-8846-A13100CB15C9 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 796 is above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 23.06 months PITI reserves above guideline minimum of 3 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 42.31% is below guideline maximum of 80% | |||||||||||||||
| 17C845B2-5F64-4BDA-A377-6A0AE055DFDC | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 53.69 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 98.86 months PITIA above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x216 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 145 points above guideline requirement 640 for cash out. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x46 months positive mortgage payment history meeting 12 month guideline requirement. | |||||||||||||||
| AE7ADB95-57DE-4442-9D98-B80147301535 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER3262 | Property issues indicated | No | Appraisal shows Subject property is located in Rural Area, Guidelines AIP30P2, do not allow for rural properties. | 8/21/26 Client provided Exception Approval for Rural Property. |
8/21/26 Upon further review, exception is considered non-material B based on FICO 741, 65.91 months Reserves and 0x30x84 months mortgage history. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 101 points above guideline minimum of 640 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x84 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 65.91 months of PITI reserves more than the 3 months of required reserves |
| 49EF8FE6-E3D4-4C55-9695-158FCA907059 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5.05 points below maximum guideline. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 114 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 3.13 months of PITIA reserves more than the 3 months of required reserves | |||||||||||||||
| C8BE80B3-F2C9-43CF-B01E-8115AD8BC472 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 79 points above guideline requirement of 620 for purchase. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x47 months positive mortgage payment history meeting 12 month guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 68.62 months PITIA above 3 months guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x62 months positive consumer payment history meeting 12 month guideline. | |||||||||||||||
| 8229D1B0-8100-45E2-A372-C54ADA2258A9 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 35 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 110.26 months PITI above guideline minimum. | |||||||||||||||
| AC9E05EA-61FA-4BD2-A69A-8D7F42CA4EA8 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 Median FICO > 142 points above guideline minimum of 640 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV is 55.00% > 15.00 points below guideline maximum LTV of 70.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 93.00 months PITIA above guideline minimum of 3.00 PITIA. | |||||||||||||||
| A84418B1-B37A-42B3-BC1A-B6E5B98FF9EE | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 157.65 months of PITIA reserves more than the 3 months of required reserves CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 16.52 points below maximum guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 134 points above guideline minimum of 640 | |||||||||||||||
| E3A11550-FDA5-4355-85EF-AF993A42A27A | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 750 is above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 3.62 months PITIA reserves above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 58.03% is below maximum LTV of 80% | |||||||||||||||
| 3F3C65E0-EE3C-45CD-B3F5-7D3ACC5BDDEE | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 133 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 33.18 months of PITIA reserves more than the 3 months of required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline. | |||||||||||||||
| 3BB3F9C8-0A18-4B3E-AA08-0330998002B5 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 38.3 months PITI reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 804 is above guideline minimum of 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 67 months paid as agreed | |||||||||||||||
| 586DCC15-7865-4D07-9219-FB7585D52335 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 21 points above guideline minimum of 660. | |||||||||||||||
| 2C1C9811-4DA0-4D17-A93C-F90A8A4F49CF | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 119.29 months PITIA above guideline minimum 3 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 Median FICO > 141 points above guideline minimum of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x82 | |||||||||||||||
| 2AB72124-E217-4FE8-844C-E1AC18CEF7A7 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75% is below guideline maximum of 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 8.11 months PITI reserves above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 762 is above guideline minimum of 620 | |||||||||||||||
| 873C01D2-BED8-4705-B2D7-EF67FAB2F090 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 15.92 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x82 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 Median FICO > 133 points above guideline minimum of 620 | |||||||||||||||
| DA5A9185-1626-43A3-BBAC-88EB030CE858 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 169 points above guideline minimum of 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower hasXXX years & XXX months at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 141.16 months of PITIA reserves more than the 3 months of required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 20 points below maximum guideline. | |||||||||||||||
| 2BBA8805-22BF-423A-81A7-16E909608AF9 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: - Borrower has > 89.25 months PITIA above 3 month guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 184 points above guideline requirement of 620.. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x77 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 14.19 points below guideline maximum 80%. | |||||||||||||||
| 44F5D02A-A24E-45AD-A4E1-D968D383A451 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 97.66 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 79 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 20 points below guideline maximum | |||||||||||||||
| 3A02075D-9607-402A-A144-EEAA3B67D825 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrowers have 0x30x56 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 9.06 months PITIA above 3 month guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x38 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for XXX years. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV is > 10 points below guideline maximum of 80%. | |||||||||||||||
| 23508D22-4268-486C-8773-10DF6C5AFCE9 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 172 points above guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x141 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x39 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 6.91 months PITIA above 3 month guideline minimum. | |||||||||||||||
| 7EC85AD4-E58D-4555-A7E8-D03CFB74A7ED | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 63 points above guideline minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 5.95 months of PITI reserves more than the 3 months of required reserves. | |||||||||||||||
| FC865DBE-8230-46FA-B383-BC374DF1E390 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 50.00% is > 30.00% below guideline maximum of 80.00% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 Median FICO > 193 points above guideline minimum of 600 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 22.76 months PITIA above guideline minimum 3.00 months PITIA. | |||||||||||||||
| ADB09E79-24CC-4B1A-9F42-11E99833B31D | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 Median FICO > 177 points above guideline minimum of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 62.22% is below guideline maximum of 80.00% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x226 | |||||||||||||||
| 2814DCB2-500F-4B54-BE2E-E794DFF89C85 | XXXXXX | LA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Please disregard CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x132 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 119 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5.00 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 4.82 months PITI above guideline minimum. | |||||||||||||||
| 78E85FD8-0532-4FD4-A548-8AF4D5A482B2 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 Median FICO > 140 points above guideline minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 37.12 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x99 | |||||||||||||||
| E13AA9AA-C423-45AA-830D-DDC88BE503E1 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrowers have 0x30x45 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 11.97 points below guideline maximum. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 161 points above guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x40 months positive consumer payment history meeting 12 month guideline requirement. | |||||||||||||||
| CDEFFA85-0A80-4FDD-A473-837481674F79 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum of 80%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x52 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x213 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 6.40 months PITIA above 3 month guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 111 points above guideline requirement of 660 for purchase transaction. | |||||||||||||||
| 0849C3F8-0B5F-4AD4-9009-C0B09205F2C3 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 21.35 months PITIA above guideline minimum of 3.00 PITIA. | |||||||||||||||
| EF799556-95A3-4972-A9F9-3CEC17FDF887 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 15.96 months PITI reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 701 is above guideline minimum of 660 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75% is below guideline maximum of 80% LTV | |||||||||||||||
| 0741118A-5A27-4963-BC20-0086EE771C8D | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years & XXX months at current residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 6.18 points below maximum guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 157 points above guideline minimum of 640 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 114.35 months of PITI reserves more than the 3 months of required reserves | |||||||||||||||
| C6EE4675-4227-4B38-8258-2FDFC1C4A0F2 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 109 points above guideline minimum of 620 for purchase transactions. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 51 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 69.57 months of PITI reserves more than the 3 months of required reserves. | |||||||||||||||
| E5AB605B-3AE1-408E-A0B5-E8C5C9227DAD | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 259.40 months of PITA above program minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score is 101 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5% below program maximum | |||||||||||||||
| 4F8DB345-D410-4E3D-9D95-CCACB9021EEC | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 29.04 months of PITI reserves more than the 3 months of required reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 111 points above guideline minimum of 620 | |||||||||||||||
| 611AF0F7-6145-4F92-A050-3AED8E041A3A | XXXXXX | DE | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 171 points above guideline minimum of 640 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline | |||||||||||||||
| 640E8910-6952-483B-888E-7D891C817CE6 | XXXXXX | DE | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 12 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 104 points above guideline minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 87.14 months of PITIA reserves more than the 3 months of required reserves. | |||||||||||||||
| A4C4EF16-28DF-47BC-B81D-A1667A06CA4E | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 11.96 months PITI reserves above guideline minimum CFCFS1736: Significant time at current residence - Clayton Comments: Over XXX years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 778 is above guideline minimum of 700 | |||||||||||||||
| 1AA11F5A-2452-4FC5-8B13-31684CF56448 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their primary for the past XXX years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 50 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 93 months of PITI reserves more than the 3 months of required reserves. | |||||||||||||||
| D16B531F-F1A3-4161-A32A-ED6945CBF231 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 30 points above guideline minimum of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 14.13 months of PITIA reserves more than the 3 months of required reserves | |||||||||||||||
| CA1CB6E5-ECA2-47A4-A57C-73C4D7293445 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 63.40 months PITIA above 3 month guideline minimum. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower lived at current residence for XXX years and XXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 158 points above guideline requirement of 620 for purchase transactions. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x52 positive mortgage payment history meeting 12 month guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x20 positive consumer payment history meeting 12 month guideline requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 15 points below guideline maximum of 80%. | |||||||||||||||
| F97B9179-6FEB-49F6-B16B-337974878C3D | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 188 points above guideline minimum of 620 for purchase transaction/ CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 82 months | |||||||||||||||
| F25EA257-B7CD-46ED-A1DD-4B97C8F8DD85 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x348 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 13.28 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 164 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x156 | |||||||||||||||
| 51D1A8E6-F7C3-4CEB-89B8-B48B63B10572 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 20 points below maximum guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 147 points above guideline minimum of 620 | |||||||||||||||
| EAD722BC-70C4-412F-8BFD-BC555222CFCA | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x83 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 99.93 months PITI above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 11 points above guideline minimum | |||||||||||||||
| 4D1CA719-133A-4A03-BDDC-FDA8C85EBCD3 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 784 is above guideline minimum of 640 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70% is below guideline maximum of 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 29.96 months PITI reserves above guideline minimum | |||||||||||||||
| 99835A2B-43A9-463E-8C31-08AA59044E43 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 174 points above guideline minimum of 620 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 46.67 points below maximum guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 223.41 months of PITI reserves more than the 3 months of required reserves | |||||||||||||||
| 8AC1B0DD-F36B-4895-8BBE-03D946FF4527 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3280 | One or more Applications in file are incomplete | No | Missing Citizenship status from Final 1003 for Co-Borrower (page 2). | 8/14/26 Client provided updated Final 1003 for Co- borrower showing Citizenship. |
8/14/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 Median FICO > 55 points above guideline minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 3.05 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 0x30x62 |
| 6F9C7BBF-8D9B-426F-8311-9E9E89591D80 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Credit/Mtg History | Waived | C | B | C | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Guidelines allow 4 financed properties to 1 Borrower with XXX and no greater than $5mm. Subject makes the 6th property and requires Management Approval.#1 -XXX XXX XXX #2 - XXX XXX XXX XXX#3 - XXX XXX XXX #4 - XXX XXX XXX. #5 - XXX XXX XXX.#6 - XXX XXX XXX . - Subject property. | 9/4/26 Client provided Exception approval for 6th Property. |
9/7/26 Upon further review, exception is considered non material B based on FICO 752, LTV 70%, 17.98 months PITIA reserves greater than 3 months minimum, 0x30x132 months positive mortgage history. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x132 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 17.98 months PITIA above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 152 points above guideline minimum of 620 for purchase transaction CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 10 points below guideline maximum |
| 4FFB6855-50B5-47D6-A338-33BD274421D1 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 67.83% is below guideline maximum of 75% CFCFS1736: Significant time at current residence - Clayton Comments: XXX years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 811 is above guideline minimum of 640 | |||||||||||||||
| 8ABF71F0-F53B-4984-9025-5946EFE7E55A | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 64.29% is below guideline maximum of 75% CFCFS1736: Significant time at current residence - Clayton Comments: XXX years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 775 is above guideline minimum of 660 | |||||||||||||||
| 8F4DE058-2A3E-4125-A964-CDF5EC9DB412 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 9.15 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 Median FICO > 156 points above guideline minimum of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 70.00% is > 10.00% below guideline maximum of 80.00% | |||||||||||||||
| 6DDBF60B-DF5F-498B-9AB4-DE75D93E19F9 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower's Rental History is 0 x 30 x 99 months (VOR & Credit Report) CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 27.68 months of PITIA reserves more than the 6 months of required reserves. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been renting current primary for the past XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 63 points above guideline minimum of 700. | |||||||||||||||
| 1CDEECC2-DE07-4F6A-9CDC-A9E9671A9BAD | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 53 points above guideline minimum of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 12.28 points below maximum guideline. | |||||||||||||||
| C14CC236-B181-4565-9B86-627EC842BA74 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 3.42 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 34 points above guideline minimum | |||||||||||||||
| EF7CEF97-DB1A-4EB3-BC80-77BC9DE7ABFB | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10.00 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO >56 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x156 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 117.94 months PITI above guideline minimum. | |||||||||||||||
| 3A92A38C-8462-4AEC-A566-A98D77ECAF82 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 763 is above guideline minimum of 640 | |||||||||||||||
| 1B12CEB3-5A11-486A-A7DC-347E35CBD3FC | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 Median FICO > 140 points above guideline minimum of 600 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 50.00% is > 30.00% below guideline maximum of 80.00% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 7.85 months PITIA above guideline minimum 3.00 months PITIA. | |||||||||||||||
| 90616E6E-41B5-4D35-8150-C1AC0002909F | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 2.57 months PITIA above guideline minimum of 3.00 PITIA CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 42.42% > 15.95 points below guideline maximum LTV of 80.00%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x58 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 Median FICO > 188 points above guideline minimum of 600. | |||||||||||||||
| 8B9DA8F3-C05D-49D8-86D6-18EFA91BFC0A | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 12 months of PITI reserves more than the 3 months of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 58 points above guideline minimum of 700. | |||||||||||||||
| 20EAC098-B8C3-4C27-B5FE-A8EFF03E4EBC | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x324 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 6 points above guideline minimum of 700 | |||||||||||||||
| 61531F80-36AE-486B-B02D-61FEA98F91A3 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70% is below guideline maximum of 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 2.17 months PITIA reserves above guideline minimum | |||||||||||||||
| 633AF27A-A24C-40B1-8D4D-36EEBD71C90E | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 72.24% is below guideline maximum of LTV 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 49 months paid as agreed CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 757 is above guideline minimum of 660 | |||||||||||||||
| 576515D9-0577-4B05-AFE9-B7203A6E9731 | XXXXXX | DC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 28.41 months PITIA above guideline minimum of 3.00 PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 Median FICO > 775 points above guideline minimum of 700 | |||||||||||||||
| 2740EB5C-445F-41D4-992E-72E7B5AEA9F2 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 306.03 months PITIA above 3 month guideline minimum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x37 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 128 points above guideline requirement 620 for purchase. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for XXX years and XXX months. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x180 months positive consumer payment history meeting 12 month guideline requirement. | |||||||||||||||
| 2BDDFEA4-B81C-4DFE-9ED0-2038F80E0348 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 165 points above guideline requirement of 620 for purchase transaction. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x229 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for XXX years and XXX months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 90.25 months PITIA above guideline minimum. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x57 months positive mortgage payment history meeting 12 month guideline requirement. | |||||||||||||||
| 8AC13E9D-0ED0-4E96-B7E5-D3A9E265A0AF | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 Median FICO > 124 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 17.23 months PITIA above guideline minimum of 3.00 PITIA | |||||||||||||||
| 25A4BBA4-A952-4A8C-9BFE-C23A842B4EFB | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x229 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for XXX years and XXX months. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x57 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 89.47 months PITIA above 3 month guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 165 points above guideline requirement of 620 for purchase transactions. | |||||||||||||||
| E7F35A41-6565-46E2-929B-6940C1740318 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 194 points above guideline minimum of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 9.47 months of PITIA reserves more than the 3 months of required reserves | |||||||||||||||
| A1D48524-612D-4366-B4A0-6A031BDFFE6D | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for XXX years and XXX months. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x48 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 177 points above guideline requirement of 620 for purchase transaction. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 25.54 months PITIA above 3 month guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x254 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 15 points below guideline maximum 80%. | |||||||||||||||
| AE57DF4F-1176-4EBB-9C54-9EDB2E57C32D | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 63 points above guideline minimum of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 32 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 9 months of PITIA reserves more than the 3 months of required reserves. | |||||||||||||||
| 1C23DD06-4003-4B4F-9821-0058D2C49EB6 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 66.43 months PITI reserves above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75% is below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 778 is above guideline minimum of 620. | |||||||||||||||
| C7017E13-FE05-42AE-8196-280821EE1C58 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years & XXX months at current primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 170 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 8.22 months of PITIA reserves more than the 3 months of required reserves | |||||||||||||||
| 23B2C104-38BE-4E05-9037-71D185F072A8 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 26 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 68 points above guideline minimum of 700. | |||||||||||||||
| DEADE19D-C1C9-41F5-A247-9D920F6CAF42 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5.0 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 3.34 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 49 points above guideline minimum | |||||||||||||||
| DACAC410-6453-43F1-A1E6-9928CB1C4C5C | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 Median FICO > 145 points above guideline minimum of 640 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 70.00% > 10.00 points below guideline maximum LTV of 80.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 41.56 months PITIA above guideline minimum of 3.00 PITIA. | |||||||||||||||
| 7CDD3454-672C-4A8E-90FE-EA2D6986AD93 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 4.12 months of PITI reserves more than the 3 months of required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 53 points above guideline minimum of 660 | |||||||||||||||
| 396848DB-0F0C-46AD-892E-9F3B178221BD | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Missing Borrower Contact form required for XXX | 9/1/26 Client provided ACH and Borrower contact form. |
9/1/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 281.30 months PITI above guideline minimum. |
| 95CD3B1C-1F06-4F5C-82E9-8DB43F3B5433 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 741 is above guideline minimum of 660 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 52.63% is below maximum LTV of 65% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 31.32 months PITI reserves above guideline minimum | |||||||||||||||
| 2221CF86-A034-44B3-9749-178CC28AEAF7 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 1.71 months PITIA above 3 month guideline minimum. | |||||||||||||||
| 0CC586CE-429E-42D1-9FC5-080D3B37B37B | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Missing Borrower information forms for both borrower's Executed ACH is in file. | 6/14/26 Client provided Borrower and Co- Borrower contact information form. |
6/14/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 8 points below maximum guideline of 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 4 months of PITIA reserves more than the 3 months of required reserves. |
| D52414F3-7B37-47A6-A186-11172A3721A6 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 71.79 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 Median FICO > 188 points above guideline minimum of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 52.65% is > 27.35% below guideline maximum of 80.00% | |||||||||||||||
| 54298873-03AC-4133-AEA3-FE60F75FE9F7 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 41 points above guideline minimum of 700 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary for the past XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 6.70 months of PITI reserves more than the 3 months of required reserves. | |||||||||||||||
| E99455DB-A44B-4160-AF1F-20867A8AD0A6 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their primary for the past XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 90 points above guideline minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 14 months of PITI reserves more than the 3 months of required reserves. | |||||||||||||||
| 7F0167FE-53B2-4883-B4BC-98A69EBCC2C5 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 81 points above guideline minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 9.95 months of PITI reserves more than the 3 months of required reserves | |||||||||||||||
| FE9AD9BD-4A2C-4A82-B7AB-9E0A6619D015 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their primary for the past XXX years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 68 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 75 points above guideline minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 0156 months of PITI reserves more than the X months of required reserves. | |||||||||||||||
| 426949C1-4FA1-434F-8463-0908234173D6 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Guarantors contact information form required for XXX. | 9/18/26 Client provided Borrower contact information and ACH. |
9/18/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 3.08 months PITIA above 3 month guideline minimum. |
| 0B0453CB-B344-4826-9DEA-5D31ADCC37B2 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 177points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x384 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 118.37 months PITI above guideline minimum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x132 | |||||||||||||||
| 69EF8E81-6230-4F04-945D-7C9F1F79E47C | XXXXXX | IA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x99 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 Median FICO > 112 points above guideline minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 32.80 months PITIA above guideline minimum of 3.00 PITIA. | |||||||||||||||
| 1871A58B-0934-4767-A83C-6BD2A2D72BB4 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 72.97% is below maximum LTV 80% required by guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 164.97 months PITIA reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 805 is above guideline minimum of 660 | |||||||||||||||
| AE0A19E3-B8BD-48F2-BD78-8385B02BC793 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount $XXX is below guideline minimum $XXX | 8/28/26 Client provided Exception approval. Unable to view document. 8/31/26 Client provided email with Exception approval for loan amount less than $XXX |
8/28/26 Exception remains. 8/31/26 Upon further review, exception is considered non-material B based on FICO 729 greater than minimum of 620; PITI 8.79 months greater than 3 month requirement; 0x30x51 months positive mortgage payment history. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 729 is greater than guideline minimum 620 for purchase transactions. CFCFS1739: Postive mortgage payment history - Clayton Comments: Co-borrower has 0x30x51 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30x35 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 8.79 months PITIA above 3 month guideline minimum. |
| A7311E11-2A72-49B1-8E62-0D6CE015F14B | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 0 x 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 78 points above guideline minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 95 months of PITI reserves more than the 3 months of required reserves. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived in current primary for the past XXX years | |||||||||||||||
| 7C16BE1D-71B4-4CF3-AF37-DF07AF53721E | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 10 points below guideline maximum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x108 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: - Borrower has >1.37 months PITIA above guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments: Median FICO > 156 points above guideline minimum | |||||||||||||||
| 6A54E9BA-26A2-456D-805C-B3023C7BDED7 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 155 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 9.32 months of PITIA reserves more than the 3 months of required reserves CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x53 | |||||||||||||||
| 15DDD20D-3884-4D6D-9696-D0BB92CECE50 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 12.89 months PITIA above guideline minimum of 3.00 PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 Median FICO > 171points above guideline minimum of 600 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 41.61% > 38.39 points below guideline maximum LTV of 80.00%. | |||||||||||||||
| D153DF45-7F36-4068-8F99-E0BC625D962D | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 1.66 months PITI reserves above guideline minimum of 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 780 is above guideline minimum of 640 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70% is below guideline maximum of 75% | |||||||||||||||
| 57974196-9067-4570-B682-039A6874324F | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 35 points below maximum guideline of 70% | |||||||||||||||
| 715C4322-4263-4453-8A6C-CF568BFD7ECF | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2996 | Missing Trust Documents | No | Vesting in in the name of XXX as trustee of the the XXX . Missing trust certification or trust documents. | 9/4/26 Client provided Certification of Trust. | 9/4/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 68.35 months PITI reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 672 is above guideline minimum of 640 |
| 14D35D86-AFB6-432C-8E30-B642C3346440 | XXXXXX | ID | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 70 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 60.22 months PITI above guideline minimum. | |||||||||||||||
| 92D0DD50-55CA-4690-AC6B-0C4504C78070 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 57 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x132 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x192 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 22.63 months PITI above guideline minimum. | |||||||||||||||
| 3621598D-E9AF-4FF9-8A09-7261E4E77DD4 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 94 points above guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 30.18 months PITIA above guideline minimum. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x43 months positive mortgage payment history meeting 12 month guideline requirement. | |||||||||||||||
| 709AE249-9AAC-4DDB-833B-858D20271D46 | XXXXXX | LA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing Gift letter for $XXX. Gift check in file is for $XXX with gift letter reflecting $XXX. | 9/3/26 Client provided What is required for Gift Letter. 9/3/26 Clayton response: Gift letter in file for $XXX, Check in file is for $XXX. Missing either a Gift letter reflecting $XXX (that matches the check) or an additional Gift letter for the XXX. 9/8/26 Client provided Gift Letter in the amount of $XXX |
9/3/26 Exception remains. 9/8/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 11.10 months PITIA above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x313 months positive consumer payment history meeting 12 month guideline requirement. |
| E96E0008-DC60-47A4-9022-B2669548DCCA | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 119 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 48.16 months of PITI reserves more than the 3 months of required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline. | |||||||||||||||
| 810DB889-EFBC-4323-8433-F17580CE2EB5 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI Effective 8.26.2026CD Disbursement Date XXX | 8/28/26 Client provided Hazard effective XXX to XXX. |
8/28/26 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 90 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 120.47 months PITI above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below guideline maximum |
| A754846B-7E4D-4835-8D72-FD23EC2CF4C2 | XXXXXX | MS | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 90 points above guideline requirement of 640 for cash out. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x19 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has >99.68 months PITIA above 3 month guideline minimum. | |||||||||||||||
| 7873784E-3142-4C51-9B3A-EE3E059AB6E2 | XXXXXX | MS | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 70.00% is > 5.00% below guideline maximum of 75.00% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 730 Median FICO > 90.00 points above guideline minimum of 640. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 102.68 months PITIA above guideline minimum 3 months PITIA. | |||||||||||||||
| 06746D6E-5273-4BEA-AC48-DE7DDC23E4AA | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 111.43 months PITI reserves above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70% is below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 730 is above guideline minimum of 680 | |||||||||||||||
| 14CD90AF-F151-465D-A13A-55904358332C | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 36.77 months PITI reserves above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 39.66% is below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 808 is above guideline minimum of 600 | |||||||||||||||
| 74ABC8BD-DBF6-4A97-BE3F-02F725A375AA | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 42.90 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 82.32 months PITI above guideline minimum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has OX30X264 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 40 points above guideline minimum | |||||||||||||||
| D61BAC77-A9BE-48B1-BDB8-0336EE3A1DE9 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x39 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 24 points above guideline requirement of 620 for purchase transactions. | |||||||||||||||
| 98E13618-57CA-4E72-811D-6CC0108D6726 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 28.76 months PITIA above 3 month guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 89 points above guideline requirement 620 for purchase transaction. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x30 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x20 months positive mortgage payment history meeting 12 month guideline requirement. | |||||||||||||||
| 2DAF8CD1-B3F2-43B2-8513-2E5C46441610 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 8.64 months of PITIA reserves more than the 3 months of required reserves | |||||||||||||||
| 1B975C2C-7CDD-4F61-A663-0EEE5AD09ED8 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Certification Document | 9/17/26 Client provided Flood Certificate | 9/17/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 21.39% is below guideline maximum of 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 26.71 months PITIA reserves above guideline minimum |
| 1B975C2C-7CDD-4F61-A663-0EEE5AD09ED8 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Borrowers are XXX, missing borrower's contact information form. | 9/17/26 Client provided Borrower contact and ACH form. |
9/17/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 21.39% is below guideline maximum of 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 26.71 months PITIA reserves above guideline minimum |
| FB8C5C39-2092-4390-ABAB-6B4EC2B18C89 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 8.01 months of PITI reserves more than the 3 months of required reserves | |||||||||||||||
| E4008EA2-6E06-4EAF-A34D-709212FC595A | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 Median FICO > 66 points above guideline minimum of 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x82 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 15.45 months PITIA above guideline minimum of 3.00 PITIA | |||||||||||||||
| 9B1B74B6-A3C3-45ED-BB35-75686B5890E7 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x24 month positive mortgage payment history meeting 12 month guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x22 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 115 points above guideline requirement 620 for purchase transaction. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 102.29 months PITIA above 3 month guideline minimum. | |||||||||||||||
| D70E715E-587C-4078-AD24-FE3AF71367E9 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 99 points above guideline minimum of 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline 80% | |||||||||||||||
| 06E4AF8E-C935-4743-8EB9-537A3E0ECB4F | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 45 points above guideline minimum of 640 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x82 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 38.55 months of PITI reserves more than the 3 months of required reserves CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years at current primary residence | |||||||||||||||
| 5392C4E8-7F81-4D0D-85F6-C3099BA4F97D | XXXXXX | LA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 25 months PITI reserves above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75% is below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 776 is above guideline minimum of 660 | |||||||||||||||
| 76056781-76BA-442F-A9D8-2C953B7EB812 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > .20 months PITIA above 6 month guideline minimum. | |||||||||||||||
| 8DBE7C1D-6346-46D0-B69F-8016DE63B644 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 16 months of PITI reserves more than the 3 months of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 106 points above guideline minimum of 800. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 61 months | |||||||||||||||
| 853DD35F-26AB-4B32-BBAC-C4EC40F59B56 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 45.67 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 Median FICO > 103 points above guideline minimum of 660 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 71.59% is > 8.41% below guideline maximum of 80.00% | |||||||||||||||
| 7D273414-C523-417F-8637-202FF93C5169 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Missing Borrower Information Form required for XXX | 9/1/26 Client provided ACH and Borrower contact form |
9/1/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: s CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10.23 points below maximum guideline. |
| C7895708-249C-4D1A-9076-72BF971C1AAF | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 11.3 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 133 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has >3.79 months PITIA above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x180 | |||||||||||||||
| E5ACD67F-7CA7-4EFF-A360-A55C5D7F46EA | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 109 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 11.14 months of PITI reserves more than the 3 months of required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 61.67 points below maximum guideline. | |||||||||||||||
| CE4EE554-8358-40D6-B6B5-A3CC9BF39A05 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have > 5.14 months PITIA above guideline minimum of 3.00 PITIA. | |||||||||||||||
| A8DBD870-94F1-452F-B71E-0F81827F8184 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 Median FICO 101 points above guideline minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 94.87 months PITIA above guideline minimum of 3.00 PITIA CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x99 | |||||||||||||||
| E3BEDF90-BE3A-4841-8FB5-8127DBC9549D | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Over XXX years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXX months PITI reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 774 is above guideline minimum of 700 | |||||||||||||||
| 0B36129A-F4EC-4973-A71B-4372A37BE942 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 132 points above guideline requirement of 620 for purchase transactions. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x36 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 60.43 months PITIA above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 48.86 points below guideline maximum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x118 months positive consumer payment history meeting 12 month guideline requirement. | |||||||||||||||
| 538A2E95-5880-4C95-8F68-CA7B5A641C91 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 11.39 months of PITIA reserves more than the 6 months of required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 143 points above guideline minimum of 660 | |||||||||||||||
| 90378C72-0597-4049-AD53-BB9439A85804 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 6.45 months PITIA above 3 month guideline minimum. | |||||||||||||||
| DEA2E95D-9FAA-4E5D-8804-DE1175382BD2 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 182 points above guideline minimum of 620 for purchase transaction CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 21.58 months of PITIA reserves more than the 3 months of required reserves. | |||||||||||||||
| 30F729B8-3DDF-40BF-8D8C-B4BCDA2916B4 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | File missing Borrowers Contact Information Form is required for all XXX borrowers per guidelines dated XXX | 9/21/26 Client provided Borrower contact information sheets for Borrower and Co-Borrower and provided ACH. |
9/21/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline |
| 780FD1F0-0705-49D3-8CE3-44394A8C9B8F | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Application | Satisfied | B | A | B | A | CRDAPP2658 | Missing 3rd-party anti-fraud report | No | Missing 3rd party Fraud report (Drive report) for both Borrower and Co-Borrower. | 9/3/26 Client provided Drive report for both Borrower and Co-borrower |
9/3/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 14.37 months PITIA above 3 months guideline minimum. |
| 780FD1F0-0705-49D3-8CE3-44394A8C9B8F | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing contact information sheet for both Borrower and Co-Borrower. Borrower's are XXX. | 9/3/26 Client provided Contract information for both Borrower and Co Borrower. |
9/3/24 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 14.37 months PITIA above 3 months guideline minimum. |
| B4377C7D-EB05-4AA0-89B1-588451782BF2 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 40.96 months PITI above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has OX30X144 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has OX30X96 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 93 points above guideline minimum | |||||||||||||||
| E6F49B26-29A1-456C-BC38-F9E94B5790B3 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 17.12 months of PITI reserves more than the 6 months of required reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 1 x 30 x 47 months (Late 12/2024) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 22 points above guideline minimum of 700. | |||||||||||||||
| AADAF4F2-C886-4C0E-918A-3767243A4000 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 41.03 months PITIA above guideline minimum of 3.00 PITIA | |||||||||||||||
| E8307518-E113-47C1-8365-A353EE8364BA | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 148.38 months PITIA above guideline minimum of 3.00 PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 Median FICO > 114 points above guideline minimum of 660 | |||||||||||||||
| DA58A6D4-11F0-4391-82EC-885ECF162845 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 3 months of PITIA reserves more than the 3 months of required reserves. | |||||||||||||||
| 56144BCF-55C9-4545-83AD-A4DBABCB025F | XXXXXX | MN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 177.89 months PITI above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 104 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has OX30X96 | |||||||||||||||
| EDBCB0D4-9909-4CA6-ADA1-7FC6501533D3 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: XXX years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 724 is above guideline minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 1,751.96 months PITI reserves above guideline minimum. | |||||||||||||||
| F2273D94-602B-4C8A-BA28-1AC6127578F8 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 29.2 points below guideline maximum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has OX30X36 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 149 points above guideline minimum | |||||||||||||||
| 9A740A4D-3E5D-4516-BD42-CE8DEBFB76D1 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 113 points above guideline minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 28 months of PITIA reserves more than the 3 months of required reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline of 80% | |||||||||||||||
| 3B615CA7-431A-44A7-ADF8-4666A4EABBC2 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 52 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 109 points above guideline minimum of 700. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their primary for the past XXX years | |||||||||||||||
| 7BEF3D3C-CAB6-4BBE-B7BB-DB8582612027 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 769 is above guideline minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 47.25 months PITIA reserves above 3 month guideline minimum CFCFS1736: Significant time at current residence - Clayton Comments: XXX years at current residence | |||||||||||||||
| B1DFA627-9986-490E-8C7C-1E6220D8DBA7 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 9.31 months PITIA above 3 month guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 186 points above guideline requirement. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x38 months positive mortgage payment history meeting 12 month guideline requirement CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x130 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for XXX years. | |||||||||||||||
| 1D1DB304-D5BC-4AB0-862F-29E17A5DAFAF | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 111 points above guideline minimum of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 12 monthsBorrower has 3 properties all currently F&C, subject will reduce to 2 properties F&C | |||||||||||||||
| BD2A3D32-5AA6-433E-B646-C569A4EC65DE | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 142.85 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 120 points above guideline minimum | |||||||||||||||
| 5595C829-90DE-4EEE-B536-098D47788BDA | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has >15.74 months PITIA above guideline minimum. | |||||||||||||||
| 004F0BD2-EB62-4C3F-A873-A7421B56BAC3 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 179 points above guideline requirement of 620 for Rate and Term Refi. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 50.64 months PITIA above 3 month guideline minimum. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x63 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for XXX years and XXX months. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x124 months positive consumer payment history meeting 12 month guideline requirement. | |||||||||||||||
| 1D50A21B-1038-4296-B065-A74A145B484A | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 49.99 months of PITIA reserves more than the 3 months of required reserves CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x63 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years & XXX months at current primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10.37 points below maximum guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 179 points above guideline minimum of 620 | |||||||||||||||
| 4CF55E63-C92A-4547-993E-A4C4576A9387 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 52.88 points below guideline maximum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Median FICO 206 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 4.84 months PITI above guideline minimum above 3 months. | |||||||||||||||
| 77530879-26A7-4B64-BBA1-3F8DE73ABDA4 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 51.62 months PITIA reserves above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70% is below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 814 is above guideline minimum of 640 | |||||||||||||||
| 807B2EA1-1B6B-48B2-8CA9-C0EE3D9D28C7 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 147 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has >6.62 months PITIA above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x156 CFCFS1737: LTV below guideline requirements - Clayton Comments: : Borrower LTV is > 5.00 points below guideline maximum | |||||||||||||||
| D8B57EA4-6011-4777-9862-40F6686F3717 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 29.41 is below guideline maximum of 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 9.36 months PITIA reserves above guideline minimum CFCFS1736: Significant time at current residence - Clayton Comments: Over XXX years at current residence | |||||||||||||||
| FA3EAC51-73AB-425B-A1C5-7CBCEC88ADB4 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 39.13 months PITIA above 3 month guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 5 points below guideline maximum of 80%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x25 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x47 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 127 points above guideline requirement of 620 for purchase transaction. | |||||||||||||||
| CAEC4773-C50D-47AB-8D11-67BB0AF5F5CA | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 819 is above guideline minimum of 640 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70% is below guideline maximum of 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 4.56 months PITI reserves above guideline minimum | |||||||||||||||
| 66253ADE-7B26-43CF-AF25-195E28070096 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 129.40 months of PITI reserves more than the 6 months of required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 20 points below maximum guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 7 points above guideline minimum of 640 | |||||||||||||||
| F7E49C74-D06C-4116-BC1C-50C6615BD9B1 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Borrower and Co-Borrower contact information sheet as required for XXX per guideline. ACH is in file. | 9/8/26 Client provided Borrower and Co-Borrower contact information sheet and ACH form. |
9/8/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 2.62 months PITIA above 3 month guideline minimum. |
| 93A9A6BA-F998-4713-8D36-5972509CEACF | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 Median FICO > 196 points above guideline minimum of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x54 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 21.20 months PITIA above guideline minimum of 3 PITIA | |||||||||||||||
| 7AE370FB-5F7D-466E-B561-B2B735841613 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 106.28 months of PITIA reserves more than the 6 months of required reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 35 points above guideline minimum of 640 | |||||||||||||||
| 243D32F8-5B13-4B0F-9686-49F50142F0B1 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 65 points above guideline requirement of 620 for purchases. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 56.21 months PITIA above 3 month guideline minimum. | |||||||||||||||
| 469C531D-1129-41D3-875D-E8FFEF564FA3 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing Condo Master Policy for subject address XXX. Condo Master policy in file reflects address of XXX. | 9/9/26 Client provided Condo Master Policy for XXX. Missing Condo Master for subject located at XXX9/10/26 Client provided 1 page from Condo master. |
9/9/26 Exception remains. 9/10/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x43 months positive mortgage payment history CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for XXX years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x43 months positive consumer payment history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 4.51 months PITIA above 3 month guideline minimum. |
| 82071466-55BE-4B69-A1F1-9B2F967636BA | XXXXXX | LA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 195 points above guideline minimum of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 11.03 points below maximum guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 60.52 months of PITI reserves more than the 3 months of required reserves CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years & XXX months at current primary residence | |||||||||||||||
| CDA3676B-7C73-4248-B032-A4315DF048E9 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 9.34 months of PITI reserves more than the 3 months of required reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 66 points above guideline minimum of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x50 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10.51 points below maximum guideline. | |||||||||||||||
| 8ACE03DB-29B5-40E0-885C-06B8D4A28E5C | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 42 months of PITIA reserves more than the 3 months of required reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 59 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 10 points above guideline minimum of 700. | |||||||||||||||
| 13B16DFE-EB47-49A8-8E8A-574DF2CA87AC | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 77 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 24 points above guideline minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 55 months of PITI reserves more than the 3 months of required reserves. | |||||||||||||||
| AC99DB40-58C0-4298-BBF1-429E527B65C6 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing the completed borrower contact information form for XXX borrower. | 9/11/26 Client provided ACH form(s) and Borrower contact information sheet. |
9/11/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years and XXX months at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 10 points below guideline maximum. |
| EFD225E3-9549-44D5-AC73-CB86C434AD7A | XXXXXX | CA | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing ACH Authorization form required by the guideline for Non-Permanent resident borrowers | 9/3/26 Client provided ACH and Borrower contact information sheet. |
9/3/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 2.96 months PITI reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 755 is above guideline minimum of 700 CFCFS1736: Significant time at current residence - Clayton Comments: Over XXX years at current residence |
| 594F1F85-D0AE-477F-85CF-CDAF4A7BC26E | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | XXX to be added to 1003 Schedule of Real estateLetter in file stating property is Free & Clear. XXX does not reflect owner Missing Property detail report reflecting owner | 9/11/26 Client provided Post close 1003 and property detailed document information. |
9/11/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 109 points above guideline minimum of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 53 months |
| 1C129021-EC46-4A9A-863C-53006A837021 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 142 points above 660 guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 91.21 months PITIA above 6 month guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30x354 months positive consumer payment history CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 51.05 points below guideline maximum of 65%. | |||||||||||||||
| 9B3343C2-BEC3-4C14-99AC-C72BACA67352 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 40 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x132 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 6.75 months PITI above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 13.77 points below guideline maximum | |||||||||||||||
| 066BE4EC-B5E8-4AC3-80DD-98CE67B41F43 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 143 points above guideline minimum of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x88 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 209.52 months of PITI reserves more than the 3 months of required reserves | |||||||||||||||
| 6B806550-6B46-48EE-8727-B6335340E32B | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 13.24 months of PITI reserves more than the 3 months of required reserves CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years & XXX months at current primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 167 points above guideline minimum of 620 | |||||||||||||||
| 1622880F-DFA7-44FD-8956-2BD2004B96EE | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 96 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 4.55 months PITI above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5.00 points below guideline maximum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x276 | |||||||||||||||
| DF52E274-318B-4338-8B11-3ADD0806E349 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 20.82 months PITIA reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 709 is above guideline minimum of 600 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 35.48% is below guideline maximum of 80% | |||||||||||||||
| 397657D6-96C8-4C12-B1BB-CF79C2F3AC87 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x99 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 58.82% > 21.18 points below guideline maximum LTV of 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 Median FICO > 155 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 3.82 months PITIA above guideline minimum of 3.00 PITIA. | |||||||||||||||
| B12904E6-68D6-42EF-85E1-727855F03A59 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing Operating Agreement for XXX, XXX used for assets/reserves for XXX Bank ending XXX. Name on account is different than Borrowing Entity. | 9/14/26 Client provided Operating Agreement and Entity formation for Borrowing Entity XXX9/14/26 Clayton response: Missing Operating Agreement for XXX used for assets/reserves. 9/15/26 Client provided Company Agreement for XXX reflecting Members as XXX and XXX. Members are same as Vesting on subject transaction. |
9/14/26 Exception remains. 9/15/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 147 points above guideline requirement of 620 for Rate and Term Refi. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 206.92 months PITIA above guideline minimum. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrowers have 0x30x67 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30x283 months positive consumer payment history meeting 12 month guideline requirement. |
| 28132C71-BE67-4C18-B96A-168B5844E8C1 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 5.98 months PITI reserves above guideline minimum | |||||||||||||||
| C0E0E38A-199F-404C-BCB9-20343314D84E | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 32.40 months of PITIA reserves more than the 3 months of required reserves CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years & XXX months at current primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 177 points above guideline minimum of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline. | |||||||||||||||
| 2B5EA0A2-279D-4CC9-8BDF-849CDAB46ABE | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Final 1003 Reflects property located at XXX financed with XXX loan #XXX, missing Property Report | 9/16/26 Client provided Property report for XXX, Note and CD. |
9/16/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 30.84 points below guideline maximum of 75%.. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 99.68 months PITIA above 6 month guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 165 points above guideline requirement of 640 for cash out transaction. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x151 months positive consumer payment history meeting 12 month guideline requirement. |
| E66FA02A-A6B0-4534-B124-2C140A6292C5 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 139 points above guideline requirement 620 for purchase transaction. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 10 points below guideline maximum of 80%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x38 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 43.64 months PITIA above 3 month guideline minimum. | |||||||||||||||
| 11513EDD-6AF5-4748-8D73-B1F04804417C | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 13.07 months of PITIA reserves more than the 3 months of required reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 185 points above guideline minimum of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10.18 points below maximum guideline. | |||||||||||||||
| 2C2F156D-5D4C-4EEF-8217-9D12C715060E | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 123 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 38.62 months of PITI reserves more than the 3 months of required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline. | |||||||||||||||
| 9B185070-D30F-480B-AB3D-37A56228D5F4 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 15 points below maximum guideline of 75%.Due to DCR 0.91% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 74 points above guideline minimum of 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 45 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 6 months of PITIA reserves more than the 3 months of required reserves. | |||||||||||||||
| 5C82C416-F0EE-40F6-B878-B63FD75319F4 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 48 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 8.61 months of PITIA reserves more than the 3 months of required reserves | |||||||||||||||
| 60B56229-6DE6-437E-8F73-B350E38C9B0D | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 129 points above guideline minimum of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x70 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 51.04 months of PITI reserves more than the 3 months of required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline. | |||||||||||||||
| 079BF765-95C2-486C-91D9-27E2C611C9FB | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Credit/Mtg History | Waived | C | B | C | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Guidelines allow for 4 Financed Properties to one borrower no Greater than $XXX. Current properties with XXX Financing:1 -XXX 2 - XXX3 - XXX4 - XXX5 - XXX - Subject property - Missing Management Approval. | 9/15/26 Client provided Exception approval. | 9/15/26 Upon further review, exception is considered non material B based on FICO 774, Reserves of 94.57 months over minimum 3 months, LTV 10% before guideline maximum. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 134 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below guideline maximum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x372 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 94.57 months PITI above guideline minimum. |
| A635E7D2-A29B-4767-84B2-3E94A1F9CD2E | XXXXXX | DE | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 70.00% > 10.00 points below guideline maximum LTV of 80.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 12.99 months PITIA above guideline minimum of 3.00 PITIA CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 Median FICO > 104 points above guideline minimum of 620 | |||||||||||||||
| 5178A3FD-A4AB-4D18-AE4E-D635DE15A956 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 60 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 101 points above guideline minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 21 months of PITIA reserves more than the 3 months of required reserves | |||||||||||||||
| 979A2DF7-5952-4A1C-928E-9059D5766111 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Missing Customer Contact form for XXX Borrower | 9/23/26 Client provided Borrower contact information form and ACH. |
9/23/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 114.95 months PITI above 3 month guideline minimum. |
| 6704F50B-354D-4028-A8AD-2983BB5BFDB5 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 795 is above guideline minimum of 600 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 42.74% is below Maximum guideline LTV of 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 359.22 months reserves above guideline minimum | |||||||||||||||
| 057A16F0-9D7D-4052-A231-99DF92FA94C7 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years & XXX months at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 24 points above guideline minimum of 640 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 88.71 months of PITI reserves more than the 3 months of required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline. | |||||||||||||||
| 07AC9C73-6FB6-4243-ACB2-F983FFFEB844 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 31.89 months PITI reserves above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70% is below maximum LTV of 75% required by the guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 773 is above guideline minimum of 680 | |||||||||||||||
| A3E963B2-D2B7-44AF-B639-C871EFA7FB56 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 20.00 points below guideline maximum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has OX30X204 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 6.52 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 98 points above guideline minimum | |||||||||||||||
| 8C4C474C-E84D-4F66-840D-E6CC6BAAD2A1 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x23 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 11.15 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 101 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5% points below guideline maximum | |||||||||||||||
| C089D42A-C954-4C63-95A3-9100D526B9FC | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 56.38% is below guideline maximum of 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 11.49 months PITIA reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 705 is above guideline minimum of 600 | |||||||||||||||
| C87E578B-8529-49B9-9863-3F50E2F05923 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO is 13 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 9.90 months PITI above guideline minimum. | |||||||||||||||
| 54F60DC8-44AE-426C-A785-61D557371EB6 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 45 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 41.24 months of PITI reserves more than the 3 months of required reserves | |||||||||||||||
| CCC1830A-5128-4772-9DED-C154A95EC0E8 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Missing Borrower's contact formation Form as required by guideline for XXX | 10/5/26 Client provided Borrower contact form and ACH |
10/5/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 16.07 months PITIA above guideline minimum. |
| A5E0ACD1-0C5E-45C9-B55B-9E6F739FE45E | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Over XXX years at current residence | |||||||||||||||
| 274F6E8A-6C84-49F9-95E9-EDC08739195D | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5.00 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 101.99 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO is 75 points above guideline minimum | |||||||||||||||
| D6904E77-16C0-4D76-8612-9DA4373D17B7 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years at current primary residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers has 78.18 months of PITI reserves more than the 3 months of required reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 19 points above guideline minimum of 640 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x61 | |||||||||||||||
| CFBECAAE-5EB3-4DD8-BCBC-BB2959B4FB94 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x348 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 119 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 119.3 months PITI above guideline minimum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x252 | |||||||||||||||
| 5B9BF43A-7E28-4A44-AA00-F6E4926D84C9 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Application | Satisfied | B | A | B | A | CRDAPP2658 | Missing 3rd-party anti-fraud report | No | Missing completed Drive Report. Report in file is incomplete. | 9/3/26 Client provided Drive report. 9/3/26 Clayton response: Drive report received is only 4 pages. Missing the Following sections of Drive Report: Borrower Profile, Real Estate Owned, MERS, Loan participant Analysis, Watchlist Match Report, NMLS, OFAC, Property verify reports. 9/8/26 Client provided complete Drive report. |
9/3/26 Exception remains. 9/8/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 293 months of PITI reserves more than the 3 months of required reserves. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their primary for the past XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 107 points above guideline minimum of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 99 months |
| 07018B14-0379-42FE-8C53-9ABDC22898E1 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 807 is above guideline minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 293.33 months PITI reserves above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75% is below guideline maximum of 80% | |||||||||||||||
| 9013DF35-DA79-4442-8363-0B3BA23F1CAC | XXXXXX | TX | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Application | Satisfied | B | A | B | A | CRDAPP2658 | Missing 3rd-party anti-fraud report | No | Missing Full background report. Only pages 1-4 in file. Missing the Following sections of Drive Report: Borrower Profile, Real Estate Owned, MERS, Loan participant Analysis, Watchlist Match Report, NMLS, OFAC, Property verify reports. | 9/9/26 Client provided Full Drive report. | 9/9/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 187 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 135.56 months of PITI reserves more than the 3 months of required reserves CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years at current primary residence |
| 7A42288F-653D-43A4-9584-D07CF76057C5 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Application | Satisfied | B | A | B | A | CRDAPP2658 | Missing 3rd-party anti-fraud report | No | Missing Drive Report. Drive report in file is incomplete only pages 1-4. Missing the Following sections of Drive Report: Borrower Profile, Real Estate Owned, MERS, Loan participant Analysis, Watchlist Match Report, NMLS, OFAC, Property verify reports. | 9/8/26 Client provided completed Drive report. | 9/8/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 127.85 months PITIA above guideline minimum. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 187 points above guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x282 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x99 months positive mortgage payment history meeting 12 month guideline requirement. |
| 8D01F7C0-18F1-4211-B1AE-81BAE30C2D87 | XXXXXX | GA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 26 years & 5 months at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 27.96 months of PITIA reserves more than the 6 months of required reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 44.62 points below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 60 points above guideline minimum of 740 | |||||||||||||||
| 05DC117B-077C-4788-B337-9665FC4E134A | XXXXXX | ME | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x125 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Median FICO > 44.75 points above 3 month guideline requirement. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x60 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 163 points above guideline requirement 620 for purchase transactions. | |||||||||||||||
| CF31FD90-6D5A-4354-8426-F4CD42A685F7 | XXXXXX | TX | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 Median FICO > 133 points above guideline minimum of 660 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x43 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 232.51 months PITIA above guideline minimum 0.00 months PITIA. | |||||||||||||||
| 9E5017C9-405E-470E-B42C-C4EC9BF4B77A | XXXXXX | IL | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 33.62 months PITI above guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is > 14.84 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 12 points above guideline minimum | |||||||||||||||
| 7FD84480-4785-4EE0-868D-29B5D267BE5C | XXXXXX | TX | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 15 points below 85% guideline maximum. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 22.61 months PITIA above 6 month guideline minimum. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x79 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x72 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 133 points above 620 minimum guideline requirement. | |||||||||||||||
| B6D9586D-79DD-4AB3-8AA4-7661B34AFBFB | XXXXXX | IL | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers have 0x30x122 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is > 23.70 points below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 43.78 months PITIA above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 136 points above guideline requirement of 620 for purchase transaction. | |||||||||||||||
| ADF77771-441E-46C5-9E0F-879ED244C8CE | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 110 points above guideline minimum of 620 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline. | |||||||||||||||
| 2375B15C-5796-4AF9-909C-97FE8CB46CC6 | XXXXXX | TX | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in subject for the past XXX years CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 17 points below guideline maximum 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 37.88 months of PITIA reserves more than the 6 months of required reserves. | |||||||||||||||
| DC690423-C152-40A2-ABB9-201B397AB82B | XXXXXX | MD | QM: Safe Harbor | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | Finance Charge Tolerance | Satisfied | C | A | C | A | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Final CD XXX: Finance Charge disclosed as $XXX vs Clayton Calculation value of $XXX for a difference of $2,610.00. | 08/04/2026 Client provided itemization of lender credit. |
08/04/2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 61 points above guideline minimum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 20 points below maximum guideline. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXX years & months at currnt residence |
| DC690423-C152-40A2-ABB9-201B397AB82B | XXXXXX | MD | QM: Safe Harbor | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | Finance Charge Tolerance | Satisfied | C | A | C | A | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Claytons calculated Amount Financed | No | Final CD XXX: Amount Financed Charge disclosed as $XXX vs Clayton Calculation value of $XXX. Overstated by $2,610.00. | 08/04/2026 Client provided itemization of lender credit. |
08/04/2026 - Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 61 points above guideline minimum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 20 points below maximum guideline. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXX years & months at currnt residence |
| DC690423-C152-40A2-ABB9-201B397AB82B | XXXXXX | MD | QM: Safe Harbor | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Short funds to close $4,718.93. Verified assets $XXX- funds to close per CD dated XXX $31,513.21. | 8/4/26 Client provided Wire transfer advise from XXX dated 7/29/26 in the amount of $XXX for closing funds plus bank statement from XXX for $XXX.8/4/26 Clayton response: Sufficient funds to close has been provided. |
8/4/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 61 points above guideline minimum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 20 points below maximum guideline. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXX years & months at currnt residence |
| 64DF1814-1408-4606-9B9E-555955FBB892 | XXXXXX | TX | QM: Safe Harbor | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Texas Home Equity | Satisfied | C | A | C | A | CMPTXHE5983 | TX Equity - Total fees greater than the allowable cap | No | Fees exceed 5% maximum by $XXX. | 08/27/2026 Client inquired about fee calculation breakdown: Adjusted Charges of $XXX exceeds Maximum Charges of $XXX or 2.000% by $XXX or 0.104%.08/27/2026 Client provided Loan Detail Report with pre-discounted rate of 6.750% |
08/27/2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 Median FICO > 48 points above guideline minimum of 740 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 45.53 months PITIA above guideline minimum 6.00 months PITIA. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x67 |
| 64DF1814-1408-4606-9B9E-555955FBB892 | XXXXXX | TX | QM: Safe Harbor | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Texas Home Equity | Satisfied | C | A | C | A | CMPXXXHE846 | XXX Equity - Closed before later of appl/discl + 12 days | No | XXX disclosures dated XXX, need initial Texas disclosures at application XXX. | 08/26/2026 Client provided Notice Concerning Extensions of Credit dated XXX. |
08/26/2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 Median FICO > 48 points above guideline minimum of 740 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 45.53 months PITIA above guideline minimum 6.00 months PITIA. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x67 |
| 7990CE9E-CAEB-49BA-A40D-CDE22B90E0FD | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Borrower has 0x30x168 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 2.17 months PITI above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 34.22 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 192 points above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x96 | |||||||||||||||
| A70CAC5F-A3F9-4880-86FA-AEB05E6EC1B3 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 18 months CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 85x points above guideline minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 21 months of PITIA reserves more than the 3 months of required reserves CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned their primary residence for the past XXX years | |||||||||||||||
| ED19CD0D-F15A-49D4-979D-14690D6EF985 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is >20.00 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 135 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x240 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has >15.74 months PITIA above guideline minimum. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x132 | |||||||||||||||
| D9B4FC26-B59C-417C-83F8-769797748365 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x46 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 23.97 points below guideline maximum OF 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 102 points above guideline requirement of 640 for cash out refinances. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x238 positive consumer payment history meeting 12 month guideline requirement. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for XXX years and XXX months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 110.07 months PITIA above 3 month guideline minimum. | |||||||||||||||
| 3B4037C7-1FC9-441B-835B-146071C2969D | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for the past XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 50 points above guideline minimum of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 51 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 45.42 months of PITIA reserves more than the 3 months of required reserves. | |||||||||||||||
| B7E652FC-0809-43E1-A39F-528F4E8A0C30 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | Documentation | Satisfied | B | A | B | A | CMPDOC3280 | One or more Applications in file are incomplete | No | Missing Date of Birth from Final 1003. | 8/7/26 Client provided updated application with date of birth. |
8/7/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 0x30x53 months positive mortgage payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 23.75 months PITIA above 3 month guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 100 points above 620 guideline requirement for purchase transactions. . CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x29 months positive consumer payment history meeting 12 month guideline requirement. |
| 8A86D0BD-3934-4799-9CB2-FC3F34BC2132 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 29.26 months of PITI reserves more than the 3 months of required reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 138 points above guideline minimum of 620 | |||||||||||||||
| 2C267155-3717-4BB1-AB7A-A5C069296ADF | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 50.00% is 30.00% below guideline maximum of 80.00% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 Median FICO > 212 points above guideline minimum of 600 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 124.90 months PITIA above guideline minimum 3.00 months PITIA. | |||||||||||||||
| B8FBBB12-A5CE-4ED1-AF6C-137A3689CA1F | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 179 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 69.46 months of PITI reserves more than the 3 months of required reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x57 | |||||||||||||||
| 1BB2FDB4-1FD6-4AF0-8267-007FAA7EB3A5 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 66.84 months PITIA above guideline minimum of 3.00 PITIA CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x57 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 Median FICO > 139 points above guideline minimum of 660 | |||||||||||||||
| 3F0006C1-2F1D-4130-91BB-CD4F6202131B | XXXXXX | AL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | File missing Flood Cert doc | 9/4/26 Client provided Flood Cert | 9/4/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 106.20 months of PITI reserves more than the 3 months of required reserves CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x99 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years & XXX months at current primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 127 points above guideline minimum of 640 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 9 points below maximum guideline. |
| 8858F553-0F24-4E2C-A639-8BB6FCE552C9 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 115.84 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 43 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 15.00 points below guideline maximum | |||||||||||||||
| 69F35D61-7BC7-48AB-8077-8D730D372D87 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 806 is above guideline minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 8.28 months PITI reserves above guideline minimum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 25 months paid as agreed | |||||||||||||||
| 50740FD9-DE72-42F2-8BDB-6D396C36B952 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x282 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 150 points above guideline requirement of 660. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 60.65 months PITIA above 3 month guideline minimum. | |||||||||||||||
| FDF4659F-58A8-41D9-9413-8B28EBE940C5 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x33 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 112.05 months PITIA above guideline minimum 3.00 months PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV of 64.71% is > 10.29% below guideline maximum of 75.00% | |||||||||||||||
| 29E5C785-6362-428B-9B3F-E0585E73BB79 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 136 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 20.00 points below guideline maximum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x60 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 6.62 months PITI above guideline minimum. | |||||||||||||||
| E5F90B0F-6D44-4DEE-B717-45072123A936 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 55 months of PITIA reserves more than the 3 months of required reserves CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 21 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 5 points above guideline minimum of 700. | |||||||||||||||
| 56CC1D6D-119D-4337-B9AE-726E695134AB | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 71 points above guideline minimum of 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline 80% | |||||||||||||||
| 531283BD-9103-4AE3-A727-2F05BDB1E216 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 15 points below maximum guideline 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 63 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 6.96 months of PITIA reserves more than the 3 months of required reserves. | |||||||||||||||
| 27040FD5-4BB2-4388-A923-91E9A30BABB0 | XXXXXX | IA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has owned property located at XXX XXX. Borrower recently obtained new mortgage with 1x30 reporting. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 5.36 months PITIA above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 35 points below guideline maximum of 75% based on credit score 671.. | |||||||||||||||
| 9F5D8882-A1DF-48A4-B858-5FFC98F4EAB2 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 58.66 months PITIA above guideline minimum of 3 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 Median FICO > 125 points above guideline minimum of 620 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 0x30x46 | |||||||||||||||
| C2745722-0718-4EAA-8483-67EDCA0C32DD | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 17.61 months PITI above 3 month guideline minimum | |||||||||||||||
| B9AA2EC0-244F-47D9-B59F-B9C4720CC6D6 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x32 months positive consumer payment history meeting 12 month guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 17.70 months PITIA above 3 month guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 101 points above guideline requirement. | |||||||||||||||
| D8D7E91E-59F8-4844-A16D-0F7E35B715C0 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 8.25 months of PITI reserves more than the 3 months of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 67 points above guideline minimum of 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5 points below maximum guideline of 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 33 months | |||||||||||||||
| 1D29323C-EBED-4F80-A30A-FD3232FE13FE | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 19 points below maximum guideline of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 88 months of PITIA reserves more than the 3 months of required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 108 points above guideline minimum of 700. | |||||||||||||||
| 34AE99B8-E5F8-41A4-AF0F-F4263CD5656C | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing VOR covering previous 12 month period (1st time Homebuyer/Investor) | (No Data) | 8/17/26 Upon further review, exception is considered non material B based on the FICO score of 749, LTV 25.45 and 0x30x72 months on consumer debt history. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x96 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 3.28 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 89 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 49.55 points below guideline maximum |
| D99867E5-A79C-49B2-A2BA-9CAB64F17331 | XXXXXX | AR | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years at current primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 163 points above guideline minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 24.09 months of PITI reserves more than the 3 months of required reserves | |||||||||||||||
| D4D79E26-FE60-43AB-95C9-F5A1E5887047 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 3.90 months PITI above guideline minimum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x264 CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 170 points above guideline minimum | |||||||||||||||
| AD8B40EA-E270-477A-9384-518407861EF6 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 12 monthsBorrower owns 2 properties and both Free & Clear CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 94 points above guideline minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 110.02 months of PITI reserves more than the 3 months of required reserves. | |||||||||||||||
| E030F58A-7950-4AF8-A912-20B01FD38A10 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 40 points above guideline minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 7 months of PITIA reserves more than the 3 months of required reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 56 months | |||||||||||||||
| 427D7773-8C25-4B2A-BE99-DD40AD78E786 | XXXXXX | NE | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 54.67 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 174 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 20 points below guideline maximum | |||||||||||||||
| 290207E4-3DA3-48D9-8316-1BD80CCF82E3 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 96 points above guideline minimum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x192 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 2.45 months PITI above guideline minimum. | |||||||||||||||
| 24CCC4CE-AF2D-4810-A162-09C425BD8BB8 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: XXX years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 789 is above guideline minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 9.01 months PITIA reserves above guideline minimum | |||||||||||||||
| 76D387F2-96AD-49D6-B7A3-0099B00AB8B4 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 74 months of PITIA reserves more than the 3 months of required reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 82 months CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10 points below maximum guideline 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 81 points above guideline minimum of 700. | |||||||||||||||
| B385A7BA-1056-469C-89CB-1992F26FD2C2 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 31.12 months of PITI reserves more than the 3 months of required reserves CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x88 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 149 points above guideline minimum of 620 | |||||||||||||||
| E57F49DE-CC40-4EB1-98DF-98A36ADF57F5 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their subject for the past XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 111 points above guideline minimum of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower's Mortgage History is 0 x 30 x 55 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 12.93 months of PITI reserves more than the 3 months of required reserves. | |||||||||||||||
| 4F566DE5-9432-4D88-BC5D-B9213E48344F | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 65.71% is below guideline maximum of 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 76.48 months PITIA reserves above guideline minimum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 782 is above minimum guideline of 640 | |||||||||||||||
| 7CF2A049-9B7E-444D-82CB-E8139E69287B | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 169 points above guideline minimum of 640 CFCFS1737: LTV below guideline requirements - Clayton Comments: Median FICO 8.72 points above guideline minimum of | |||||||||||||||
| 9690C6EA-F8D1-4718-BDE2-CBEC7A4B1B6F | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 10.00 points below guideline maximum CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has OX30X264 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 16.56 months PITI above guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 150 points above guideline minimum | |||||||||||||||
| 4F7D43C6-D680-45A9-B75B-3AE165DD9DAA | XXXXXX | MS | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70% is below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 792 is above guideline minimum of 640 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 27.07 months PITI reserves above guideline minimum | |||||||||||||||
| 20DB400A-4577-4272-851E-3512EC7F9795 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x120 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 5.61 months PITI above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 5.23 points below guideline maximum CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 149 points above guideline minimum | |||||||||||||||
| DFCAF0F1-60C0-443A-8683-3C78E3CF14D1 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 3.13 months PITI reserves above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75% is below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 706 is above guideline minimum of 660 CFCFS1736: Significant time at current residence - Clayton Comments: XXX years at current residence | |||||||||||||||
| 8129AB07-C873-446F-B48F-9876AB438097 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO is 69 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is 31.76 points below guideline maximum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 44.41 months PITI above guideline minimum. | |||||||||||||||
| 1CF50E81-D5EF-423E-B4A3-D705F322DA5B | XXXXXX | AR | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has > 229.48 months PITIA above 3 month guideline minimum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO > 143 points above guideline requirement of 620 for purchase transaction. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower LTV is > 41.16 points below guideline maximum. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30x127 months positive consumer payment history meeting 12 month guideline requirement. | |||||||||||||||
| 6F11215A-F466-4819-961A-5338BC8E4F52 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXX years at current primary residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's has 18.21 months of PITI reserves more than the 6 months of required reserves CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x77 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 174 points above guideline minimum of 620 |