Clayton provides solutions and professional resources that originators, investors and servicers need to value and acquire assets and then monitor and manage the performance of those assets. A recognized leader in due diligence and servicing oversight, Clayton has the scale and expertise to handle virtually any size residential or commercial engagement.
In early 2020, Clayton was acquired by Covius, a leading provider of tech-enabled solutions to the financial services industry. Read about the acquisition.
In early 2020, Clayton was acquired by Covius, a leading provider of tech-enabled solutions to the financial services industry. Read about the acquisition.
Services
The Clayton brand has always been synonymous with securitization. As the market has evolved so have our offerings. Today, we are actively reviewing non-agency and non-QM assets-expanded credit, bank statement, business purpose and SFR loans-for originators, aggregators, issuers and warehouse lenders.
Clayton's credit reviews can be structured to provide the results loan buyers and investors need to identify risk and price loans, portfolios and securities. Loans can be reviewed against any set or number of guidelines, and reviews can be supplemented with updated credit information for an even more current assessment of a loan or portfolio.
Clayton is a recognized leader in regulatory compliance reviews, possessing a strong expertise with loans involving possible secondary market concerns. Our comprehensive reviews examine newly closed loans and seasoned loans for compliance with all federal, state, county and municipal regulatory requirements.
Clayton's mortgage fraud reviews examine non-performing loans (NPLs) to identify breaches in representations and warranties. Our reviewers look for instances of fraud, misrepresentation, misuse of loan programs and other discrepancies and then document the defects to support repurchase demands.
Additionally, Clayton can independently re-verify critical data points to ensure the validity of the loan level information through third-party resources or direct contact.The final deliverable is a comprehensive analysis of the underperforming loan, including a detailed letter from our consultants describing the issue, information about the particular representation or warranty breach and all supporting documentation.
Additionally, Clayton can independently re-verify critical data points to ensure the validity of the loan level information through third-party resources or direct contact.The final deliverable is a comprehensive analysis of the underperforming loan, including a detailed letter from our consultants describing the issue, information about the particular representation or warranty breach and all supporting documentation.
Clayton offers comprehensive data integrity reviews to provide originators, servicers and capital market participants with total transparency regarding the quality of their mortgage data. As an independent third-party provider, Clayton has the capability to take origination, seller and servicer data, including newly updated credit and valuation data, and compare that data to deliver a full discrepancy analysis.
