ABS-15G

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM ABS-15G

ASSET-BACKED SECURITIZER
REPORT PURSUANT TO SECTION 15G OF
THE SECURITIES EXCHANGE ACT OF 1934

WELLS FARGO ASSET SECURITIES CORPORATION

Check the appropriate box to indicate the filing obligation which this form is intended to satisfy:

____ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the person to contact in connection with this filing

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) [ ]

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) [ ]

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) [ ]

  X   Rule 15Ga-2 under the Exchange Act (17 CPR 240.15Ga-2)

Central Index Key Number of depositor: 1011663

Wells Fargo Mortgage Backed Securities 2018-1 Trust
(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): _______________

Central Index Key Number of underwriter (if applicable): ________________

Diane Wold -- 952-242-2302

Name and telephone number, including area code, of the person to contact in connection with this filing

PART I: REPRESENTATION AND WARRANTY INFORMATION

Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

PART II – FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS

Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

EXHIBIT INDEX

99.1 Clayton Services LLC (“Clayton”) Due Diligence Narrative Report

99.2 Clayton Loan Level Tape Compare

99.3 Clayton Rating Agency ATR QM Data Fields

99.4 Clayton Valuations Summary

99.5 Clayton Conditions Report

99.6 Clayton Waived Exception Summary

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	Wells fargo asset securities corporation
	(Depositor)
Date: September 27, 2018	/s/ Peter R. Diliberti
	Name: Peter R. Diliberti
	Title: President (senior officer in charge of
	securitization)

EX-99.1

Exhibit 99.1

WFMBS 2018-1

 

June 01, 2018
Due Diligence Narrative Report

Table of Contents

Clayton Contact Information	2
Overview	2
Originators	2
Clayton’s Third Party Review (“TPR”) Scope of Work	2
Sponsor Acquisition Criteria	3
Loan Grading	3
TPR Component Review Scope	4
Credit Review	4
Property Valuation Review	4
Regulatory Compliance Review	5
Data Integrity	6
Data Capture	6
Data Compare Results	6
Clayton Due Diligence Results	7
Clayton Third Party Reports Delivered	8
Appendix A: Credit Review Scope	9
Appendix B: Origination Appraisal Assessment	12
Appendix C: Regulatory Compliance Review Scope	15

WFMBS 2018-1 Due Diligence Narrative Report Page | 1 June 01, 2018

Clayton Contact Information

Client Service Management:

Stephany Wright Client Service Manager
Phone: (813) 371-0269/E-mail: swright@clayton.com

Joe Ozment Director of Securitization Phone: (813) 261-0733/E-mail: jozment@clayton.com

Overview

On behalf of Wells Fargo Home Mortgage, Clayton conducted an independent third-party pre-securitization due diligence review of residential loans selected for the Wells Fargo securitization (WFMBS 2018-1). The loans referenced in this narrative report were reviewed from 04-2017 to 07-2017 at Clayton’s centralized underwriting facilities in Tampa, FL and Atlanta, GA. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton’s review.

Originators

Origination channels for the loans in this review:

Origination Channel	Loan Count	Percentage
Retail	675	100.00%
Total	675	100.00%

Clayton’s Third Party Review (“TPR”) Scope of Work

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency¹ loan level review standards in place as of the date of the review. This is referred to as a “Full Review” per Fitch, Moody’s and DBRS.

¹ Moody’s Fitch and DBRS

WFMBS 2018-1 Due Diligence Narrative Report Page | 2 June 01, 2018

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts

Review Type	Loan Count Reviewed by Clayton	Scope Applied
Full Review Total Loan Population	675	Clayton performed a Full Review based on the scope described below in the section titled “TPR Component Review Scope”.
	675

Sponsor Acquisition Criteria

The loans were originated to Guidelines and Clayton reviewed the loans to the, Wells Fargo Home Mortgage Non-Conforming Guidelines dated 12-2016. Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

The Sponsor Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. Each loan received an “initial” and a “final” grade. The “initial” grade was assigned during the initial loan review. The “final” grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton’s loan grading is solely based on Clayton’s independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth compensating factors and waivers.

Clayton’s loan grading complied with the following rating agency grading definitions published by Moody’s Fitch and DBRS:

*This grade definition is by multiple entities, including Moody’s, Fitch and DBRS

WFMBS 2018-1 Due Diligence Narrative Report Page | 3 June 01, 2018

TPR Component Review Scope

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in loan documentation provided to Clayton.

 Credit Review

Clayton’s Credit scope of review conducted on this transaction included the following elements (for more detail, please refer to Appendix A and to the guidelines cited above):

Ÿ Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor Acquisition Criteria cited above;

Ÿ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against the Sponsor Acquisition Criteria;

Ÿ Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor Acquisition Criteria;

Ÿ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

Ÿ Evaluated evidence of borrower’s willingness and ability to repay the obligation;

Ÿ Examined Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was ordered by the Seller or Clayton and received by Clayton for Nationwide Mortgage Licensing System and Registry (“NMLS”) and occupancy status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly.

 Property Valuation Review

Clayton’s Property Valuation scope of review conducted on this transaction included the following elements:

Ÿ Original Appraisal Assessment

- Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

- For more detail on the original appraisal review scope and desk review definitions, please refer to Appendix B and to the guidelines cited above.

Ÿ Value Supported Analysis

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario:

Clayton did have independent access to the Desktop reviews (CDA’s) and or Field Reviews for all loans in this population.

WFMBS 2018-1 Due Diligence Narrative Report Page | 4 June 01, 2018

Regulatory Compliance Review

Clayton’s Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to Appendix C and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

Ÿ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

Ÿ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;

Ÿ Truth-in-lending/regulation Z (TILA) testing included the following:

- Notice of Right to Cancel (Right of Rescission) adherence if applicable;

- TIL Disclosure Timing (3/7/3) and disclosure content;

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

- Section 32 APR and Points and Fees Thresholds and prohibited practices;

- Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

- Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

- Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower’s ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q.  Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

o The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan’s undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point.

Clayton evaluated the lender’s exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point.

- Prepayment Penalty restrictions.

- TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

Ÿ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement; 

- GFE to HUD1 evaluation for 0% and 10% fee tolerances;

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

WFMBS 2018-1 Due Diligence Narrative Report Page | 5 June 01, 2018

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape to file accuracy of each reviewed loan, by completing the following steps:

Ÿ Tape data received from lender/client is stored in eCLAS;

Ÿ Loan Reviewer collects validated loan data in eCLAS;

Ÿ Each received data point is compared to its counterpart collected data point;

Ÿ Discrepancies found during comparison are stored

Data Capture

Clayton collected data fields required to create American Securitization Forum (“ASF”) and Standard and Poor’s LEVELS 7.4. data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

Data Compare Results

Clayton provided Wells Fargo Home Mortgage, with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

Field Name	#	Accuracy %
Borrower 1 First Time Home Buyer	15	97.78%
Borrower 1 Self Employed Flag	3	99.56%
Borrower 2 First Time Home Buyer	9	98.67%
Cash Reserves	662	1.93%
Combined LTV	21	96.89%
Debt to Income Ratio (Back)	128	81.04%
First Payment Date	2	99.70%
Loan Purpose	3	99.56%
Maturity Date	2	99.70%
Number of Borrowers on Note	1	99.85%
Original Appraised Value	12	98.22%
Original LTV	14	97.93%
Product Type	98	85.48%
Property Street Address	3	99.56%
Property Type	55	91.85%
Representative Credit Score for Grading	1	99.85%
Sales Price	11	98.37%
Total Cash Out	48	92.89%

WFMBS 2018-1 Due Diligence Narrative Report Page | 6 June 01, 2018

Note: Cash Reserves- The results varied due to, Clayton applying percentages of liquidity. Whereas Wells Fargo Home Mortgages tape reflected 100 percent of assets.

Clayton Due Diligence Results

Below are the initial and final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

Initial and Final Overall Loan Grade Results

	Overall Grade Migration
	Initial
Final		A	B	C	D	Total
	A	161	60	23	142	386
	B	1	152	25	111	289
	C					0
	D					0
	Total	162	212	48	253	675

*The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

Initial and Final Credit Component Grade Results

	Credit Grade Migration
	Initial
Final		A	B	C	D	Total
	A	388	35	32	110	565
	B		69	17	24	110
	C					0
	D					0
	Total	388	104	49	134	675

WFMBS 2018-1 Due Diligence Narrative Report Page | 7 June 01, 2018

Initial and Final Property Valuation Grade Results

	Property Valuation Grade Migration
	Initial
Final		A	B	C	D	Total
	A	538	33	13	82	666
	B		5	4		9
	C					0
	D					0
	Total	538	38	17	82	675

Initial and Final Regulatory Compliance Grade Results

	Compliance Grade Migration
	Initial
Final		A	B	C	D	Total
	A	327	54	6	59	446
	B	1	171	13	44	229
	C					0
	D					0
	Total	328	225	19	103	675

Clayton Third Party Reports Delivered

    Clayton furnished the following reports on this transaction:

1. Narrative Report

2. Conditions Report

3. Loan Level Tape Compare Upload

4. Valuations Summary Reports

5. QM/ATR Diligence Report

6. Rating Agency Grades 2.0 ( Loan Grades tab on the Conditions Report)

7. Waived Conditions Summary

WFMBS 2018-1 Due Diligence Narrative Report Page | 8 June 01, 2018

Appendix A: Credit Review Scope

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

A. Verified that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition Criteria requirements including:

o DTI

o LTV/TLTV/HLTV

o Credit score

o Income and employment

o Assets and reserves

o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

o Borrower eligibility, including:

- Citizenship status

- Non- occupant co-borrower

o Transaction eligibility, including:

- Maximum loan amount

- Loan purpose

- Occupancy

o Noted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that approved exceptions included required, documented compensating factors

B. As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:

o Uniform Residential Loan Application reviewed to determine:

- Initial loan application was in the loan file and was signed by all borrowers

- Final loan application was in the loan file and was complete

- Information and debts disclosed on loan application aligned with related documentation in the loan file

o Employment analyzed and verified through use of various documents, including:

- Income documentation

- Verbal and/or written verifications of employments (VVOE, VOE)

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

o Income review included:

- Required income documentation for all borrowers was present and within required time period

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

Ÿ Signed by all borrowers and processed by the originator

Ÿ Compared IRS tax transcripts to income documentation and noted any inconsistencies

- Income was recalculated and was documented with applicable documentation, including:

Ÿ Tax returns

Ÿ Financial statements

Ÿ Paystubs

WFMBS 2018-1 Due Diligence Narrative Report Page | 9 June 01, 2018

Ÿ W-2s

Ÿ 1099

Ÿ IRS documents

Ÿ Bank statements

Ÿ Lease agreements

Ÿ Award letters

Ÿ Other documentation in loan file

o Asset review included:

- Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

Ÿ Verification of deposits (VOD)

Ÿ Depository account statements

Ÿ Stock or security account statements

Ÿ Gift funds

Ÿ Settlements statements

Ÿ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

Ÿ Other documentation in loan file

- Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

- Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

- Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

- Captured and utilized appropriate credit score for guideline review

o Title policy review included:

- Title interest – determined if

Ÿ Fee simple

Ÿ Leasehold estate

- Appropriate vestee(s) were listed on title policy

- Amount of coverage was greater than or equal to the original principal amount of the mortgage

- Applicable title endorsements were present

- Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issues was addressed in the transaction

- Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

- Captured monthly tax payments in debt ratio calculation

o HUD1 (Settlement Statement) review included:

- Funds to close identified and analyzed against borrower’s assets

- Seller contributions did not exceed maximum allowed

- Subject property, seller and borrower aligned with other loan documentation

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

o Hazard/Flood insurance review included:

- Verified presence of required hazard insurance and flood insurance (if required)

- Confirmed that any required insurance was for the:

WFMBS 2018-1 Due Diligence Narrative Report Page | 10 June 01, 2018

Ÿ Correct borrower

Ÿ Correct property

Ÿ Correct lender

Ÿ Correct loan number

Ÿ Life of loan, if flood insurance required

- Confirmed that any required insurance minimum coverage amount and policy period

- Reviewed for evidence that any required insurance policy premium was paid

- Confirmed that the mortgagee clause listed the lender’s name and “it’s successors and assigns”

- Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

o Mortgage Insurance review included:

- Determined if mortgage insurance is required

- Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the mortgage or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped “true and certified copy” by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence for recording.

D. For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in the loan file to identify and address any potential misrepresentations including:

o Borrower identity

- Social Security inconsistencies

- Borrower name variations

o Occupancy

- Borrower address history

- Subject property ownership history

o Employment

o Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

o OFAC

WFMBS 2018-1 Due Diligence Narrative Report Page | 11 June 01, 2018

Appendix B: Origination Appraisal Assessment

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified that the mortgage loan file contained an appraisal report and that it met the following criteria:

o Appraisal report used standard GSE forms, appropriate to the property type:

- FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

- FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

- FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

- FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

- FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

- FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

o Appraisal report was reasonably complete and included:

- Appraisal report form, certification, statement of limiting conditions and scope of work

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

- Accurate identification of the property type, in both land and improvements

- All required attachments including:

Ÿ Subject front, rear and street photos and valued features

Ÿ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

Ÿ Photos of all comparable sales and listings

Ÿ Location map

Ÿ Exterior sketch of property with dimensions

Ÿ 1004MC Market Conditions Report

- Evidence that appraisal report was made “As Is” or provided satisfactory evidence of completion for all material conditions

- Appraisal date met supplied Sponsor Acquisition Criteria

- If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

B. Performed a general credibility assessment of the results of the appraisal per Title XI of FIRREA and USPAP based on the following criteria:

o Title XI of FIRREA:

- If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

- Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser’s license included in the appraisal.

WFMBS 2018-1 Due Diligence Narrative Report Page | 12 June 01, 2018

- Reviewed for the presence of any “red flags” related to the mortgaged property that may have posed a risk to the property or occupants

o USPAP

- Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

C. Reviewed and graded the appraisal valuation to the following criteria:

o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

- Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

- Comps used were reasonably recent in transaction date and if not the reason was furnished

- Comps used were reasonably similar to the subject property and if not an explanation was supplied

- Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

- Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

o Property was complete. However, if the property was not 100% complete, then any unfinished portion had no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following key points in making determination:

- Appraisal was made on an “As Is” basis or provides satisfactory evidence of completion of all material conditions

- Property usage was reviewed for zoning compliance

- Property utilization was reviewed to determine it was “highest and best use”

- Neighborhood values were reviewed to determine if declining

- Market conditions were reviewed to determine indication of possible marketability issues:

Ÿ Location

Ÿ % built up

Ÿ Growth rate

Ÿ Demand/supply

Ÿ Marketing time

Ÿ Predominant occupancy

- Physical condition of the property was reviewed to determine that the property condition was average or better

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property met the client supplied eligibility requirements. Examples of ineligible property types may include:

o 3 to 4 unit owner occupied properties

o 2 to 4 unit second homes

o Unwarrantable or limited review condominiums

o Manufactured or mobile homes

o Condotel units

o Unique properties

o Working farms, ranches or orchards

o Mixed-use properties

o Properties subject to existing oil or gas leases

o Properties located in Hawaii Lava Zones 1 and 2

o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

WFMBS 2018-1 Due Diligence Narrative Report Page | 13 June 01, 2018

E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage has been indicated, and the amount of said damage.

F. Disclaimer

o The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice (“USPAP”) or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute “appraisal reviews” for purposes of USPAP or Federal or State law.

o Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed valuation information for reasonableness

o Clayton is not an ‘AMC’ (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property

o Clayton is not a ‘creditor’ within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will not have any communication with or responsibility to any individual consumer concerning property valuation.

o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

o Clear Capital “CDA” means a written retrospective analysis of an appraisal of residential real property relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer. The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive market as of the effective date of the appraisal provided.  The CDA will also provide an analysis of the appraisal provided, including supporting narrative and data to fully support the CDA value and outline deficiencies within the appraisal. The CDA will also contain a Risk Score and Risk Indicators based upon the findings of the analysis for the appraisal provided to Clear Capital by Customer. 

o ProTeck’s Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file completed by a licensed appraiser. The ARR validates  subject and comparable data and characteristics, confirms the original appraiser’s methodologies, credentials, and commentary to insure compliance with regulatory requirements and industry accepted best practices, and flags all risk factors while also providing a final value reconciliation used to grade the loan.

WFMBS 2018-1 Due Diligence Narrative Report Page | 14 June 01, 2018

Appendix C: Regulatory Compliance Review Scope

This appendix provides an overview of Clayton’s proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton’s state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton’s proprietary due diligence platform, eCLAS. Not all compliance requirements the engine may test are applicable for the subject pool.

Federal Law

A. RESPA and Regulation X: Loan level analysis on the following, on loans where applicable.

o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm the disclosure was provided to the borrower

o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within 3 days of application

B. Truth in Lending Act and Regulation Z - Loan level analysis on the following, on loans where applicable.

o TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.

o Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after July 30, 2009 (Section 19)

o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs identified within the loan file

o Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the loan disbursement (Section 23)

o High Cost mortgage thresholds for points and fees (Section 32)

o High Cost Prohibited Acts and Practices upon request (Section 33)

o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)

o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

o TILA/RESPA Integrated Disclosure Rule: “The Initial TRID Scope”

Ÿ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate (“LE”) and Closing Disclosure (“CD”)

Ÿ Pre-application Requirement Testing:

· Pre-application forms cannot look similar to the LE

· Pre-application forms must contain the required disclaimer (“Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan”).

Ÿ Timing Requirements:

WFMBS 2018-1 Due Diligence Narrative Report Page | 15 June 01, 2018

· The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

Ÿ Fee Tolerances:

· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

· If a credit or refund is made, that it is sufficient to cover Clayton’s calculated under-disclosure.

Ÿ Payment Schedule Accuracy:

· The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton’s calculated payment schedule.

· Interest-only periods and final balloon payments are accurately completed.

· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

· When applicable, that the AIR and AP tables are consistent with Clayton’s calculations.

Ÿ Accuracy of the Loan Calculations

· Amount Financed

· Finance Charge

· Total of Payments

· Total interest percentage

Ÿ Technical Requirements

· Compliance with the TRID rounding rules.

· Compliance with specified formatting requirements.

· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

· Alphabetization of fees.

· Title fees preceded by “Title –.”

· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

Ÿ Consistency within and across forms

· Once a fee is disclosed it must remain substantially the same name across disclosures.

· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

Ÿ Completion of the LE and CD

· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

· That there is either a signature or a Loan Acceptance statement on the form.

WFMBS 2018-1 Due Diligence Narrative Report Page | 16 June 01, 2018

Ÿ Waivers

· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

Ÿ Corrected CD requiring a new waiting period

· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

Ÿ Post-Close CD’s

· Corrected CD’s provided with a post-close refund.

· Post-close CD’s to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

· Post-close CD’s to correct non-numerical clerical errors required within 60 days of consummation.

Ÿ Related Documentation

· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

· Affiliated Business Disclosure (can impact fee tolerances)

Ÿ Outside of Clayton’s default TRID scope:

· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

· Whether the Liability after Foreclosure selection is correct for the property state.

· Accuracy of the Aggregate Adjustment amount.

· Presence and accuracy of the Seller’s Transaction columns of the Summaries of Transactions section.

· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

C. FACTA - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures.

D. HMDA – Whether the loans is Rate Spread threshold reportable, on applicable loans.

STATE, COUNTY and MUNICIPAL LAW

A. Higher-Priced

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

Higher-Priced
California	Maryland	New York
Connecticut	Massachusetts (subprime ARMS to first time homebuyers)	North Carolina
Maine	Minnesota

WFMBS 2018-1 Due Diligence Narrative Report Page | 17 June 01, 2018

B. State/Local High Cost

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

State/Local High Cost
Arkansas	Maine	Pennsylvania
California	Maryland	Rhode Island, including the Providence ordinance
Colorado	Massachusetts	South Carolina
Connecticut	Nevada	Tennessee
District of Columbia	New Jersey	Texas
Florida	New Mexico	Utah
Georgia	New York	Vermont (High Rate, High Point law)
Illinois, including the Cook County and Chicago ordinances	North Carolina	Wisconsin
Indiana	Ohio, including Cleveland Heights ordinance
Kentucky	Oklahoma

C. Anti-Predatory

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

· Minnesota (Mortgage Originator and Service Licensing Act)

· Puerto Rico (Office Regulation 5722)

· Texas (Texas Finance Code)

· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

D. Borrower’s Interest

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower’s interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

Borrower’s Interest
Maine	Ohio	South Carolina
Massachusetts	Rhode Island

WFMBS 2018-1 Due Diligence Narrative Report Page | 18 June 01, 2018

E. Consumer Protection

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

Consumer Protection
Alabama (the “Mini-code”)	Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act)
Hawaii (Financial Services Loan Company Act)	Nevada (AB 440
Idaho (Residential Mortgage Practices Act)	Ohio (Consumer Sales Practices Act; whether the loan is in Summit County)
Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act)	Texas (Article XVI, Section 50(a)(6) of the Texas Constitution)
Iowa (Consumer Credit Code)	Utah (Consumer Credit Code)
Kansas (Consumer Credit Code)	Virginia (Mortgage Lender and Broker Act)
Kentucky (HB 552)	Washington (Consumer Loan Act and Responsible Mortgage Lending Act)
Maryland (DLLR Regulations, Commercial Law)	West Virginia (Consumer Credit Protection Act)
Massachusetts (Attorney General regulations)	Wyoming (Residential Mortgage Practices Act)
Michigan (Consumer Mortgage Protection Act)

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

F. Texas Equity

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

GSE Testing

Clayton can review loans to determine whether they comply with Fannie Mae’s and Freddie Mac’s Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

WFMBS 2018-1 Due Diligence Narrative Report Page | 19 June 01, 2018

Disclaimer

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton’s review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton’s review is not designed to fully test a lender’s compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.

© 2017 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

WFMBS 2018-1 Due Diligence Narrative Report Page | 20 June 01, 2018

EX-99.2

Exhibit 99.2

Client Name:	Wells Fargo Bank, N.A.
Client Project Name:	Wells Fargo SEC WFMBS 2018-1
Deal Loan Count:	675
Loan Level Tape Compare Upload
Loans in Report	669

Loan Number	Borrower Last Name	Field Name	Tape Data	Reviewer Data
0198490646	xxxx	Cash Reserves	799795.54	915953.67
0198490646	xxxx	Debt to Income Ratio (Back)	15.3400	19.1686
0272422234	xxxx	Cash Reserves	99116.51	115812.42
0513862414	xxxx	Cash Reserves	131903.24	920785.91
0513862414	xxxx	Sales Price	xxxx	xxxx
0985966627	xxxx	Cash Reserves	323650.41	465439.23
0716482438	xxxx	Cash Reserves	315123.99	320709.84
0167198960	xxxx	Cash Reserves	134888.95	135284.34
0167198960	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0986948686	xxxx	Cash Reserves	219262.40	424016.42
0114929666	xxxx	Cash Reserves	93319.54	94584.89
0114929666	xxxx	Debt to Income Ratio (Back)	23.3800	31.8181
0013596571	xxxx	Cash Reserves	638415.80	587105.84
0969469206	xxxx	Cash Reserves	163780.32	355204.72
0463263080	xxxx	Cash Reserves	210753.74	234716.19
0463263080	xxxx	Debt to Income Ratio (Back)	27.0700	23.9153
0876486933	xxxx	Borrower 1 First Time Home Buyer	Yes	No
0876486933	xxxx	Cash Reserves	933786.28	721181.71
0971371565	xxxx	Cash Reserves	92523.02	106007.44
0971371565	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0416108152	xxxx	Cash Reserves	282995.58	483164.37
0557539715	xxxx	Cash Reserves	150344.25	144019.82
0557539715	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0455200064	xxxx	Cash Reserves	91893.26	456401.23
0455200064	xxxx	Debt to Income Ratio (Back)	17.5200	20.6707
0455200064	xxxx	Property Type	Low Rise Condo (1-4)	Site Condo
0843639626	xxxx	Cash Reserves	162838.69	297549.26
0843639626	xxxx	Debt to Income Ratio (Back)	17.1500	22.3596
0843639626	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0776953326	xxxx	Cash Reserves	237942.10	322988.57
0106638645	xxxx	Cash Reserves	51951.44	134008.56
0691536502	xxxx	Cash Reserves	56274.02	58217.10
0865326988	xxxx	Cash Reserves	682171.49	670518.94
0415988250	xxxx	Cash Reserves	123682.26	377595.70
0415988250	xxxx	Debt to Income Ratio (Back)	22.7500	20.4906
0100323938	xxxx	Cash Reserves	243608.74	346441.68
0222073206	xxxx	Cash Reserves	356641.37	304387.61
0423671696	xxxx	Cash Reserves	263016.44	809906.45
0423671696	xxxx	Debt to Income Ratio (Back)	36.9700	39.4052
0374580899	xxxx	Borrower 1 First Time Home Buyer	Yes	No
0374580899	xxxx	Cash Reserves	105207.11	72458.29
0374580899	xxxx	Debt to Income Ratio (Back)	36.3000	38.9295
0786970259	xxxx	Cash Reserves	571072.54	569254.23
0753632678	xxxx	Cash Reserves	94442.35	96767.80
0783427138	xxxx	Cash Reserves	363613.69	364217.48
0783427138	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0101562027	xxxx	Cash Reserves	1250515.37	1153198.91
0101562027	xxxx	Debt to Income Ratio (Back)	26.8300	40.8192
0078651891	xxxx	Cash Reserves	40870.34	41308.49
0341290749	xxxx	Borrower 1 First Time Home Buyer	Yes	No
0341290749	xxxx	Cash Reserves	1002061.47	740451.88
0867373975	xxxx	Cash Reserves	143071.69	487394.57
0057032617	xxxx	Cash Reserves	59586.80	69969.50
0268546227	xxxx	Cash Reserves	152326.25	194416.33
0172557232	xxxx	Cash Reserves	156848.58	157483.52
0172557232	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0988469610	xxxx	Cash Reserves	90116.52	181641.69
0204723075	xxxx	Cash Reserves	65843.63	67678.22
0204723075	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0056645247	xxxx	Cash Reserves	72907.47	72835.94
0319257717	xxxx	Cash Reserves	167488.06	160331.53
0319257717	xxxx	Debt to Income Ratio (Back)	36.7500	30.4720
0761901278	xxxx	Cash Reserves	333501.37	444893.01
0190683104	xxxx	Cash Reserves	187177.56	202713.51
0824523290	xxxx	Cash Reserves	439716.52	467017.92
0824523290	xxxx	Combined LTV	71	72
0824523290	xxxx	Original Appraised Value	xxxx	xxxx
0824523290	xxxx	Original LTV	71	72
0824523290	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0599862905	xxxx	Cash Reserves	1320740.31	908501.38
0902751308	xxxx	Cash Reserves	99988.55	87320.39
0902751308	xxxx	Debt to Income Ratio (Back)	26.9500	30.5621
0727384843	xxxx	Cash Reserves	273136.37	433826.87
0845727985	xxxx	Cash Reserves	329503.26	205285.74
0845727985	xxxx	Debt to Income Ratio (Back)	38.9000	42.5785
0311732264	xxxx	Cash Reserves	111215.36	376224.36
0311732264	xxxx	Debt to Income Ratio (Back)	32.8200	35.9772
0311732264	xxxx	First Payment Date	xxxx	xxxx
0311732264	xxxx	Maturity Date	xxxx	xxxx
0643935149	xxxx	Cash Reserves	93216.75	500492.37
0600158732	xxxx	Cash Reserves	273433.69	510066.13
0478995585	xxxx	Cash Reserves	59021.45	70027.26
0596929830	xxxx	Cash Reserves	305968.68	176310.64
0085663199	xxxx	Cash Reserves	168980.88	348558.75
0085663199	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0065725568	xxxx	Cash Reserves	344973.21	393308.90
0031852602	xxxx	Cash Reserves	417943.33	1167583.78
0031852602	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0430373345	xxxx	Cash Reserves	957596.53	542585.39
0861362987	xxxx	Cash Reserves	574047.96	726362.91
0861362987	xxxx	Debt to Income Ratio (Back)	42.9700	38.5481
0094409512	xxxx	Cash Reserves	191251.46	813814.10
0337802318	xxxx	Cash Reserves	117908.95	202857.26
0337802318	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0662145898	xxxx	Cash Reserves	281177.16	295724.83
0662145898	xxxx	Debt to Income Ratio (Back)	29.3300	35.2795
0532491109	xxxx	Cash Reserves	160252.79	122760.11
0532491109	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0022741255	xxxx	Cash Reserves	206954.73	334871.13
0022741255	xxxx	Debt to Income Ratio (Back)	38.8900	26.0936
0022741255	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0917051480	xxxx	Cash Reserves	114315.31	169675.38
0559567916	xxxx	Cash Reserves	1305413.95	1395792.46
0559567916	xxxx	Total Cash Out	707852.57	708309.21
0309677731	xxxx	Cash Reserves	540829.04	775026.55
0728724851	xxxx	Cash Reserves	379010.40	307308.37
0459963628	xxxx	Cash Reserves	81581.18	82731.12
0459963628	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0253882113	xxxx	Cash Reserves	108354.53	230761.64
0059231634	xxxx	Cash Reserves	278522.53	234738.06
0815033209	xxxx	Cash Reserves	438103.91	114980.04
0529178417	xxxx	Cash Reserves	92885.73	280865.01
0902448126	xxxx	Cash Reserves	216446.72	393918.03
0484741858	xxxx	Cash Reserves	115448.50	139761.53
0889075729	xxxx	Cash Reserves	656193.00	716546.21
0889075729	xxxx	Sales Price	xxxx	xxxx
0624956874	xxxx	Cash Reserves	215278.61	320220.59
0472590841	xxxx	Cash Reserves	904344.91	2008480.25
0927122674	xxxx	Cash Reserves	81597.24	130666.72
0927122674	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0973107614	xxxx	Cash Reserves	366816.76	355437.99
0696430338	xxxx	Cash Reserves	128038.54	289543.41
0696430338	xxxx	Debt to Income Ratio (Back)	35.2900	33.0788
0696430338	xxxx	Property Type	Low Rise Condo (1-4)	Site Condo
0600379898	xxxx	Cash Reserves	132081.33	93119.25
0821457719	xxxx	Cash Reserves	268621.54	199642.21
0702523610	xxxx	Cash Reserves	425443.85	543483.42
0702523610	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0081972063	xxxx	Cash Reserves	86500.82	87100.26
0238560685	xxxx	Cash Reserves	44832.51	154559.74
0238560685	xxxx	Debt to Income Ratio (Back)	38.0100	34.4924
0238560685	xxxx	Total Cash Out	200418.77	201103.77
0961297152	xxxx	Cash Reserves	259040.14	421450.85
0356814269	xxxx	Cash Reserves	161619.52	146535.16
0356814269	xxxx	Debt to Income Ratio (Back)	36.8400	29.2466
0376779553	xxxx	Cash Reserves	72720.95	89337.83
0376779553	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0247615349	xxxx	Cash Reserves	449162.57	848078.67
0247615349	xxxx	Debt to Income Ratio (Back)	15.4700	31.4914
0411144370	xxxx	Cash Reserves	252148.39	281273.27
0411144370	xxxx	Total Cash Out	57487.53	57856.36
0149761540	xxxx	Borrower 2 First Time Home Buyer	Yes	No
0149761540	xxxx	Cash Reserves	75487.74	69414.37
0149761540	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0978296825	xxxx	Cash Reserves	641519.54	517914.46
0373903413	xxxx	Cash Reserves	242652.25	308032.31
0373903413	xxxx	Debt to Income Ratio (Back)	32.4000	34.4950
0111275216	xxxx	Cash Reserves	78866.77	116176.15
0600752102	xxxx	Cash Reserves	118110.47	184112.87
0600752102	xxxx	Debt to Income Ratio (Back)	35.6400	42.5740
0403516503	xxxx	Cash Reserves	179214.44	217681.66
0403516503	xxxx	Debt to Income Ratio (Back)	37.6600	34.3083
0852948087	xxxx	Cash Reserves	119099.32	177245.36
0852948087	xxxx	Number of Borrowers on Note	1	(No Data)
0852948087	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0852948087	xxxx	Sales Price	xxxx	xxxx
0352056311	xxxx	Cash Reserves	448655.24	448655.34
0291974633	xxxx	Cash Reserves	109701.64	85343.52
0104031291	xxxx	Cash Reserves	593841.51	611086.08
0104031291	xxxx	Combined LTV	46	37
0104031291	xxxx	Total Cash Out	338072.77	338758.77
0022460253	xxxx	Cash Reserves	160537.50	178687.20
0356069864	xxxx	Cash Reserves	506289.00	162574.36
0356069864	xxxx	Combined LTV	50	58
0356069864	xxxx	Original Appraised Value	xxxx	xxxx
0356069864	xxxx	Original LTV	50	58
0356069864	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0389914585	xxxx	Cash Reserves	202796.14	203333.70
0389914585	xxxx	Debt to Income Ratio (Back)	30.2700	36.5921
0811028667	xxxx	Cash Reserves	737751.90	662087.39
0214395498	xxxx	Cash Reserves	595220.84	590963.29
0214395498	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0382119029	xxxx	Cash Reserves	784507.72	258701.04
0550863845	xxxx	Cash Reserves	446310.30	455653.56
0581078467	xxxx	Cash Reserves	999197.00	878373.26
0581078467	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0581078467	xxxx	Total Cash Out	196937.79	197448.06
0118954527	xxxx	Cash Reserves	715678.58	1021136.48
0654630168	xxxx	Cash Reserves	210716.60	223468.18
0654630168	xxxx	First Payment Date	xxxx	xxxx
0654630168	xxxx	Maturity Date	xxxx	xxxx
0222426472	xxxx	Cash Reserves	166167.39	172786.79
0222426472	xxxx	Combined LTV	73	70
0222426472	xxxx	Debt to Income Ratio (Back)	39.2900	41.3495
0222426472	xxxx	Original LTV	73	70
0222426472	xxxx	Sales Price	xxxx	xxxx
0610529858	xxxx	Cash Reserves	539300.19	666300.13
0280660533	xxxx	Cash Reserves	492775.76	498572.05
0006517460	xxxx	Cash Reserves	405023.42	1091103.73
0006517460	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0137030363	xxxx	Cash Reserves	875064.82	868994.21
0137030363	xxxx	Total Cash Out	225749.68	231114.78
0506584465	xxxx	Cash Reserves	286703.17	275595.21
0563605078	xxxx	Cash Reserves	64471.39	59111.55
0563605078	xxxx	Debt to Income Ratio (Back)	27.1000	24.5429
0857113702	xxxx	Cash Reserves	78986.55	83758.33
0857113702	xxxx	Debt to Income Ratio (Back)	35.3000	41.8578
0857113702	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0429136736	xxxx	Borrower 2 First Time Home Buyer	Yes	No
0429136736	xxxx	Cash Reserves	456144.60	255428.69
0429136736	xxxx	Total Cash Out	229683.67	230323.55
0782569039	xxxx	Borrower 1 First Time Home Buyer	Yes	No
0782569039	xxxx	Cash Reserves	273527.39	410449.24
0782569039	xxxx	Debt to Income Ratio (Back)	41.7900	39.7190
0782569039	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0516681132	xxxx	Cash Reserves	48929.28	49468.27
0516681132	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0704889234	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0704889234	xxxx	Total Cash Out	441129.84	441617.54
0466205829	xxxx	Cash Reserves	131403.55	131403.45
0466205829	xxxx	Total Cash Out	80447.72	80836.45
0981504604	xxxx	Cash Reserves	113067.13	126832.34
0568471615	xxxx	Cash Reserves	52663.07	140769.35
0568471615	xxxx	Debt to Income Ratio (Back)	24.4000	36.7195
0257730327	xxxx	Cash Reserves	353364.45	335092.45
0257730327	xxxx	Combined LTV	69	70
0257730327	xxxx	Debt to Income Ratio (Back)	37.9400	42.2936
0257730327	xxxx	Original Appraised Value	xxxx	xxxx
0257730327	xxxx	Original LTV	69	70
0171423524	xxxx	Cash Reserves	57143.64	58609.74
0112177010	xxxx	Total Cash Out	129376.10	129909.04
0708956123	xxxx	Cash Reserves	1315547.80	1037278.40
0599093146	xxxx	Cash Reserves	239283.76	378110.76
0599093146	xxxx	Debt to Income Ratio (Back)	30.1500	38.9898
0636482348	xxxx	Cash Reserves	238472.39	256810.21
0636482348	xxxx	Debt to Income Ratio (Back)	34.9900	23.4186
0636482348	xxxx	Total Cash Out	217523.85	216734.96
0514841423	xxxx	Cash Reserves	195225.73	99492.84
0514841423	xxxx	Property Type	SFR-Attached	Detached PUD
0396510063	xxxx	Cash Reserves	48530.59	49579.53
0524014745	xxxx	Cash Reserves	537014.63	710725.11
0675492823	xxxx	Cash Reserves	164401.35	137336.33
0373002764	xxxx	Cash Reserves	538484.22	533594.23
0373002764	xxxx	Combined LTV	76	71
0373002764	xxxx	Debt to Income Ratio (Back)	24.7600	26.8227
0373002764	xxxx	Original Appraised Value	xxxx	xxxx
0373002764	xxxx	Original LTV	55	54
0938591853	xxxx	Cash Reserves	52170.64	51851.74
0938591853	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0938591853	xxxx	Sales Price	xxxx	xxxx
0032209440	xxxx	Cash Reserves	35789.90	74056.08
0032209440	xxxx	Debt to Income Ratio (Back)	33.7100	35.9234
0032209440	xxxx	Loan Purpose	Rate and Term Refi	Cashout Refi
0492815225	xxxx	Cash Reserves	78751.05	476281.33
0014695945	xxxx	Cash Reserves	263847.39	709747.66
0784673495	xxxx	Cash Reserves	154673.30	184358.88
0714114345	xxxx	Cash Reserves	156996.76	166503.19
0422638517	xxxx	Cash Reserves	169712.04	98225.97
0447226719	xxxx	Cash Reserves	278302.72	142283.23
0114815267	xxxx	Cash Reserves	194982.08	400276.60
0114815267	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0694516740	xxxx	Cash Reserves	624381.38	625720.80
0234016044	xxxx	Cash Reserves	298035.02	883102.55
0807728116	xxxx	Cash Reserves	336171.57	566805.17
0248112584	xxxx	Cash Reserves	61485.90	37885.99
0248112584	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0583480065	xxxx	Cash Reserves	82216.78	101548.60
0971636256	xxxx	Cash Reserves	844269.40	444637.10
0971636256	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0022402831	xxxx	Cash Reserves	227633.50	238305.21
0531739101	xxxx	Cash Reserves	191614.68	194912.84
0531739101	xxxx	Debt to Income Ratio (Back)	27.5700	29.6306
0519807589	xxxx	Cash Reserves	253953.98	529723.81
0416031356	xxxx	Cash Reserves	179175.94	72194.29
0900449798	xxxx	Cash Reserves	337807.02	338441.96
0900449798	xxxx	Debt to Income Ratio (Back)	26.3200	30.0320
0364392314	xxxx	Cash Reserves	99056.40	151627.87
0052525843	xxxx	Cash Reserves	130603.79	91643.70
0974107324	xxxx	Cash Reserves	394073.40	325017.08
0271155123	xxxx	Cash Reserves	190908.01	306008.23
0993336234	xxxx	Cash Reserves	180100.05	198067.90
0993336234	xxxx	Debt to Income Ratio (Back)	26.9000	30.1227
0993336234	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0252702162	xxxx	Cash Reserves	122488.06	124756.25
0252702162	xxxx	Debt to Income Ratio (Back)	36.4400	32.6914
0943993233	xxxx	Cash Reserves	138901.28	121523.99
0943993233	xxxx	Debt to Income Ratio (Back)	37.8500	33.8229
0943993233	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0409570095	xxxx	Cash Reserves	101129.76	288926.33
0409570095	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0826049529	xxxx	Cash Reserves	123916.54	61711.71
0924722350	xxxx	Cash Reserves	78938.12	89932.22
0924722350	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0141281544	xxxx	Cash Reserves	231907.52	244710.98
0484774077	xxxx	Cash Reserves	706912.01	136538.65
0484774077	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0986241330	xxxx	Cash Reserves	143818.72	39538.60
0077767030	xxxx	Cash Reserves	610192.53	533082.87
0077767030	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0037675837	xxxx	Cash Reserves	372683.60	414543.78
0914993984	xxxx	Cash Reserves	217467.14	206955.01
0881498003	xxxx	Cash Reserves	1031762.89	380425.54
0881498003	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0772851758	xxxx	Cash Reserves	347981.46	355788.21
0297933455	xxxx	Cash Reserves	803432.50	804436.44
0152790510	xxxx	Cash Reserves	241405.98	194889.35
0162603387	xxxx	Cash Reserves	444278.09	1037224.02
0286688537	xxxx	Cash Reserves	446054.66	328261.56
0971072166	xxxx	Cash Reserves	195075.33	282274.51
0471215130	xxxx	Debt to Income Ratio (Back)	21.5600	18.9983
0471215130	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0471215130	xxxx	Total Cash Out	93628.87	94273.75
0174347186	xxxx	Cash Reserves	1034980.39	443598.47
0174347186	xxxx	Original Appraised Value	xxxx	xxxx
0717944526	xxxx	Cash Reserves	139512.90	143835.64
0271974437	xxxx	Cash Reserves	123159.43	401874.82
0865726448	xxxx	Cash Reserves	188097.40	191891.07
0865726448	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0641387035	xxxx	Cash Reserves	103472.28	305945.04
0641387035	xxxx	Debt to Income Ratio (Back)	32.4600	41.1879
0499290107	xxxx	Cash Reserves	829775.50	629371.76
0499290107	xxxx	Debt to Income Ratio (Back)	25.2000	29.7822
0984113789	xxxx	Cash Reserves	764548.61	796269.08
0984113789	xxxx	Debt to Income Ratio (Back)	21.6300	19.4657
0984113789	xxxx	Total Cash Out	474295.26	292847.01
0543517325	xxxx	Borrower 1 First Time Home Buyer	No	Yes
0543517325	xxxx	Cash Reserves	87824.43	89711.16
0742116449	xxxx	Cash Reserves	88231.41	89349.31
0742116449	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0063998455	xxxx	Cash Reserves	696808.09	387520.56
0063998455	xxxx	Debt to Income Ratio (Back)	32.2100	34.6322
0063998455	xxxx	Property Type	SFR-Attached	Attached PUD
0419691171	xxxx	Cash Reserves	321282.35	368923.22
0419691171	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0611933989	xxxx	Cash Reserves	114943.02	121203.71
0260022542	xxxx	Cash Reserves	49348.76	227419.90
0795648384	xxxx	Cash Reserves	184325.57	420486.70
0795648384	xxxx	Combined LTV	70	82
0795648384	xxxx	Original Appraised Value	xxxx	xxxx
0795648384	xxxx	Original LTV	70	82
0795648384	xxxx	Total Cash Out	121925.73	122420.67
0804858638	xxxx	Cash Reserves	177436.83	174344.96
0804858638	xxxx	Debt to Income Ratio (Back)	29.0200	26.9490
0437313321	xxxx	Cash Reserves	433744.00	384640.06
0437313321	xxxx	Debt to Income Ratio (Back)	38.5500	30.4380
0437313321	xxxx	Total Cash Out	1385895.33	383171.69
0081625185	xxxx	Cash Reserves	971937.70	1037735.61
0355589186	xxxx	Cash Reserves	432118.25	508486.61
0834019415	xxxx	Cash Reserves	142317.21	176563.30
0870886021	xxxx	Cash Reserves	194582.65	176185.12
0870886021	xxxx	Debt to Income Ratio (Back)	16.5700	21.1840
0101425828	xxxx	Cash Reserves	107547.40	81616.73
0301417482	xxxx	Cash Reserves	98921.93	120045.86
0301417482	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0041347460	xxxx	Cash Reserves	173809.35	153633.16
0194464519	xxxx	Cash Reserves	921808.77	655531.23
0537398583	xxxx	Borrower 1 First Time Home Buyer	Yes	No
0537398583	xxxx	Cash Reserves	259396.83	555323.41
0561305152	xxxx	Cash Reserves	367561.30	210507.12
0561305152	xxxx	Debt to Income Ratio (Back)	38.7900	36.6428
0561305152	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0561305152	xxxx	Total Cash Out	539984.48	540561.00
0943293533	xxxx	Cash Reserves	721727.54	2078086.74
0621922920	xxxx	Cash Reserves	123899.28	332927.70
0621922920	xxxx	Debt to Income Ratio (Back)	32.2100	35.5119
0621922920	xxxx	Total Cash Out	162179.66	162699.54
0255207432	xxxx	Cash Reserves	118214.76	259285.44
0207703098	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0779645708	xxxx	Cash Reserves	180060.86	255908.61
0975606133	xxxx	Cash Reserves	161151.45	133146.10
0975606133	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0746696438	xxxx	Cash Reserves	238697.22	385499.88
0386076695	xxxx	Cash Reserves	334947.86	294560.53
0338559128	xxxx	Cash Reserves	1024281.39	793080.86
0338559128	xxxx	Total Cash Out	995131.08	995826.08
0171354974	xxxx	Cash Reserves	381994.32	295892.13
0088431306	xxxx	Cash Reserves	86220.27	97255.15
0430928190	xxxx	Cash Reserves	185044.64	220057.65
0430928190	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0086915007	xxxx	Cash Reserves	159529.83	180642.77
0941264462	xxxx	Cash Reserves	197444.04	175642.52
0995314686	xxxx	Cash Reserves	134352.57	134975.51
0995314686	xxxx	Debt to Income Ratio (Back)	31.3500	36.6080
0202316746	xxxx	Cash Reserves	231046.41	231583.31
0202316746	xxxx	Debt to Income Ratio (Back)	40.9600	25.2963
0462557385	xxxx	Cash Reserves	200531.75	226079.79
0462557385	xxxx	Debt to Income Ratio (Back)	28.6100	32.1824
0462557385	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0006562199	xxxx	Cash Reserves	224381.65	174778.34
0879329509	xxxx	Cash Reserves	88155.01	527994.84
0485847750	xxxx	Cash Reserves	135691.42	136386.42
0485847750	xxxx	Property Street Address	xxxx	xxxx
0483461224	xxxx	Cash Reserves	333935.28	235154.91
0483461224	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0740753131	xxxx	Cash Reserves	201742.03	186018.38
0740753131	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0593442659	xxxx	Cash Reserves	445244.57	666615.55
0776613258	xxxx	Cash Reserves	74402.92	127930.08
0776613258	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0908352435	xxxx	Cash Reserves	295329.34	295974.22
0791523283	xxxx	Cash Reserves	638823.73	546234.47
0791523283	xxxx	Debt to Income Ratio (Back)	32.7000	36.1614
0791523283	xxxx	Property Type	SFR-Attached	Attached PUD
0603383650	xxxx	Cash Reserves	206383.46	192067.52
0603383650	xxxx	Debt to Income Ratio (Back)	19.2900	22.6227
0172832997	xxxx	Cash Reserves	132544.81	311297.34
0172832997	xxxx	Debt to Income Ratio (Back)	24.8900	27.4893
0679932837	xxxx	Cash Reserves	267058.90	176724.30
0133788274	xxxx	Cash Reserves	214870.79	683022.71
0223534277	xxxx	Cash Reserves	36151.98	75130.37
0223534277	xxxx	Debt to Income Ratio (Back)	35.1600	23.5571
0269398584	xxxx	Cash Reserves	270429.42	271122.30
0269398584	xxxx	Debt to Income Ratio (Back)	16.5700	18.6147
0269398584	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0830016774	xxxx	Cash Reserves	451888.41	502270.22
0830016774	xxxx	Debt to Income Ratio (Back)	37.3800	35.0261
0544573523	xxxx	Cash Reserves	77621.87	84321.05
0568077651	xxxx	Cash Reserves	335662.81	444290.93
0213256472	xxxx	Cash Reserves	204349.62	211056.66
0918551815	xxxx	Cash Reserves	75278.72	99746.34
0918551815	xxxx	Original Appraised Value	xxxx	xxxx
0536703114	xxxx	Cash Reserves	510892.96	588325.28
0536703114	xxxx	Debt to Income Ratio (Back)	7.7900	10.9732
0184927653	xxxx	Cash Reserves	234254.24	1527324.90
0184927653	xxxx	Debt to Income Ratio (Back)	25.0300	22.4525
0184927653	xxxx	Original Appraised Value	xxxx	xxxx
0184927653	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0184927653	xxxx	Total Cash Out	420094.32	420644.20
0425499704	xxxx	Cash Reserves	73916.79	74946.68
0425499704	xxxx	Property Type	Detached PUD	Attached PUD
0422359722	xxxx	Cash Reserves	123193.69	298729.71
0422359722	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0876973685	xxxx	Cash Reserves	107356.09	98079.36
0125680037	xxxx	Cash Reserves	91814.48	248494.41
0125680037	xxxx	Representative Credit Score for Grading	804	716
0076501399	xxxx	Cash Reserves	262294.11	226443.43
0076501399	xxxx	Combined LTV	79	75
0076501399	xxxx	Debt to Income Ratio (Back)	38.0300	40.3677
0076501399	xxxx	Original LTV	79	75
0561211383	xxxx	Cash Reserves	1538387.39	1685993.36
0203936506	xxxx	Cash Reserves	138112.43	114414.02
0203936506	xxxx	Debt to Income Ratio (Back)	36.6200	40.2094
0346861741	xxxx	Cash Reserves	30675.60	44931.62
0657173319	xxxx	Cash Reserves	163669.07	276204.41
0657173319	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0768000690	xxxx	Cash Reserves	116597.74	130866.74
0996838302	xxxx	Cash Reserves	108239.64	223612.29
0106678316	xxxx	Cash Reserves	145623.56	146179.44
0207747354	xxxx	Cash Reserves	394233.83	595261.25
0207747354	xxxx	Property Type	SFR-Attached	Attached PUD
0437964641	xxxx	Cash Reserves	68719.99	78119.27
0437964641	xxxx	Debt to Income Ratio (Back)	18.1700	20.9692
0337854044	xxxx	Cash Reserves	98258.49	78159.13
0707715288	xxxx	Cash Reserves	62496.95	125452.90
0707715288	xxxx	Property Type	Low Rise Condo (1-4)	Site Condo
0833277651	xxxx	Cash Reserves	1435511.42	514472.50
0833277651	xxxx	Debt to Income Ratio (Back)	31.4200	37.3563
0833277651	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0833277651	xxxx	Total Cash Out	742864.92	743507.80
0428282147	xxxx	Borrower 2 First Time Home Buyer	Yes	No
0428282147	xxxx	Cash Reserves	135969.57	213883.51
0428282147	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0108921471	xxxx	Cash Reserves	106378.41	149959.56
0108921471	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0431414921	xxxx	Cash Reserves	108462.97	113287.17
0431414921	xxxx	Debt to Income Ratio (Back)	33.6100	36.7401
0848813629	xxxx	Cash Reserves	95201.03	146315.35
0550561592	xxxx	Cash Reserves	529047.14	414301.47
0550561592	xxxx	Debt to Income Ratio (Back)	22.1100	24.3133
0987475707	xxxx	Cash Reserves	98024.05	780478.55
0987475707	xxxx	Total Cash Out	96362.79	94858.57
0621360461	xxxx	Cash Reserves	149186.05	575121.89
0349220317	xxxx	Cash Reserves	130582.54	180231.86
0349220317	xxxx	Debt to Income Ratio (Back)	35.6100	40.5668
0595813475	xxxx	Cash Reserves	274930.57	275946.51
0673760116	xxxx	Cash Reserves	326588.41	324169.79
0673760116	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0516014297	xxxx	Cash Reserves	222389.65	221531.01
0246454537	xxxx	Cash Reserves	272074.50	405362.87
0246454537	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0532118355	xxxx	Cash Reserves	339340.84	336684.59
0221966057	xxxx	Cash Reserves	737710.88	632880.97
0644056829	xxxx	Cash Reserves	324328.68	327108.58
0437155707	xxxx	Cash Reserves	177825.70	178455.64
0614391228	xxxx	Cash Reserves	126505.87	105774.91
0614391228	xxxx	Product Type	30 Yr Fixed	25 Yr Fixed
0004354646	xxxx	Cash Reserves	370415.81	550299.09
0004354646	xxxx	Debt to Income Ratio (Back)	22.2300	19.2493
0351751602	xxxx	Cash Reserves	415097.07	199862.95
0351751602	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0486881119	xxxx	Cash Reserves	1532715.70	746916.04
0066177384	xxxx	Cash Reserves	743921.86	408675.73
0066177384	xxxx	Combined LTV	75	78
0066177384	xxxx	Original Appraised Value	xxxx	xxxx
0066177384	xxxx	Original LTV	75	78
0066177384	xxxx	Sales Price	xxxx	xxxx
0281539416	xxxx	Cash Reserves	392993.40	323162.44
0281539416	xxxx	Sales Price	xxxx	xxxx
0637339007	xxxx	Cash Reserves	50829.72	177555.03
0192596650	xxxx	Cash Reserves	645363.75	766439.24
0992393698	xxxx	Cash Reserves	199277.68	199969.77
0992393698	xxxx	Debt to Income Ratio (Back)	33.9700	40.6498
0919797752	xxxx	Cash Reserves	245337.28	245972.22
0122358720	xxxx	Cash Reserves	94407.27	117506.01
0736692798	xxxx	Cash Reserves	272211.40	365513.13
0656019685	xxxx	Cash Reserves	547268.03	623766.80
0656019685	xxxx	Total Cash Out	494407.73	495057.61
0093027658	xxxx	Cash Reserves	447078.36	469623.96
0093027658	xxxx	Debt to Income Ratio (Back)	33.4300	18.1564
0686066259	xxxx	Cash Reserves	832036.72	1253703.97
0686066259	xxxx	Property Type	SFR-Attached	Attached PUD
0837284068	xxxx	Cash Reserves	784259.44	617247.44
0691772828	xxxx	Cash Reserves	328258.39	403582.83
0479287110	xxxx	Cash Reserves	82106.18	109554.00
0034624014	xxxx	Cash Reserves	116882.03	130909.80
0725409766	xxxx	Cash Reserves	729432.05	786809.84
0615242038	xxxx	Cash Reserves	96280.49	100473.35
0650274431	xxxx	Cash Reserves	110247.42	132156.83
0650274431	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0650841653	xxxx	Cash Reserves	298575.08	504897.64
0562338142	xxxx	Cash Reserves	109422.46	109487.27
0562338142	xxxx	Total Cash Out	122477.49	123004.43
0190582086	xxxx	Cash Reserves	382441.99	341937.80
0190582086	xxxx	Debt to Income Ratio (Back)	34.5200	38.7932
0190582086	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0579247270	xxxx	Cash Reserves	205510.97	710396.41
0101856594	xxxx	Cash Reserves	78198.77	104184.32
0908843858	xxxx	Cash Reserves	193997.00	194612.88
0798541927	xxxx	Cash Reserves	320327.47	281077.54
0798541927	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0120859899	xxxx	Cash Reserves	686151.45	687659.73
0438999994	xxxx	Total Cash Out	216944.99	217639.99
0927271363	xxxx	Cash Reserves	48077.92	243894.42
0993922484	xxxx	Cash Reserves	180855.94	195673.84
0989914124	xxxx	Cash Reserves	75757.90	74467.50
0989914124	xxxx	Debt to Income Ratio (Back)	33.0200	36.6774
0989914124	xxxx	Total Cash Out	85613.86	86092.33
0469244388	xxxx	Cash Reserves	186557.65	254047.42
0469244388	xxxx	Combined LTV	41	28
0469244388	xxxx	Debt to Income Ratio (Back)	38.7200	27.2429
0933327597	xxxx	Borrower 1 First Time Home Buyer	Yes	No
0933327597	xxxx	Cash Reserves	248774.89	258957.77
0952469643	xxxx	Cash Reserves	90298.49	147932.88
0952469643	xxxx	Debt to Income Ratio (Back)	29.7000	27.2025
0952469643	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0784047464	xxxx	Cash Reserves	230109.44	240983.39
0699908676	xxxx	Cash Reserves	581039.09	588138.03
0154401508	xxxx	Cash Reserves	142572.81	229720.69
0248538953	xxxx	Cash Reserves	141375.67	121968.07
0796193717	xxxx	Cash Reserves	351200.33	332130.43
0360601850	xxxx	Cash Reserves	60518.64	90267.14
0360601850	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0502602092	xxxx	Cash Reserves	943980.25	1544636.31
0374421846	xxxx	Cash Reserves	213349.73	292067.32
0869481114	xxxx	Cash Reserves	132493.14	162279.66
0869481114	xxxx	Property Type	Low Rise Condo (1-4)	Site Condo
0683114526	xxxx	Cash Reserves	150790.96	71451.80
0193755715	xxxx	Cash Reserves	145030.99	146762.93
0598685650	xxxx	Cash Reserves	501895.15	518058.54
0786998716	xxxx	Cash Reserves	158452.82	462154.32
0786998716	xxxx	Combined LTV	76	72
0786998716	xxxx	Debt to Income Ratio (Back)	23.9700	28.6632
0786998716	xxxx	Original Appraised Value	xxxx	xxxx
0786998716	xxxx	Original LTV	76	72
0633279453	xxxx	Cash Reserves	508306.67	313162.18
0654583614	xxxx	Cash Reserves	110573.70	101989.87
0654583614	xxxx	Debt to Income Ratio (Back)	25.6500	21.6443
0007389455	xxxx	Cash Reserves	166980.22	316434.67
0820462922	xxxx	Cash Reserves	253443.69	386582.25
0785069162	xxxx	Cash Reserves	108375.87	199612.13
0692374956	xxxx	Cash Reserves	107808.92	108503.92
0692374956	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0364783811	xxxx	Cash Reserves	1438499.99	339023.07
0161867778	xxxx	Cash Reserves	159595.27	643698.00
0161867778	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0435440048	xxxx	Cash Reserves	69432.43	66560.41
0519423392	xxxx	Cash Reserves	94328.57	45704.50
0519423392	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0156684006	xxxx	Cash Reserves	72330.08	90816.88
0900651110	xxxx	Cash Reserves	419738.85	485568.54
0900651110	xxxx	Combined LTV	80	64
0900651110	xxxx	Debt to Income Ratio (Back)	21.9000	17.7518
0900651110	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0457764944	xxxx	Cash Reserves	77066.14	73944.92
0457764944	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0955632555	xxxx	Cash Reserves	557639.67	828687.26
0141645623	xxxx	Cash Reserves	143375.55	150456.17
0141645623	xxxx	Debt to Income Ratio (Back)	38.1600	40.3547
0316042140	xxxx	Cash Reserves	80149.64	89698.09
0178078106	xxxx	Cash Reserves	124936.73	125473.61
0963507581	xxxx	Cash Reserves	129449.84	136581.74
0844112514	xxxx	Cash Reserves	104913.86	105989.80
0965962450	xxxx	Cash Reserves	74842.57	61471.70
0912101231	xxxx	Cash Reserves	192008.13	160243.34
0782207148	xxxx	Cash Reserves	60053.65	74168.50
0560805918	xxxx	Cash Reserves	191907.22	223036.89
0560805918	xxxx	Combined LTV	62	61
0560805918	xxxx	Original LTV	62	61
0560805918	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0560805918	xxxx	Sales Price	xxxx	xxxx
0745515331	xxxx	Borrower 1 Self Employed Flag	No	Yes
0745515331	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0745515331	xxxx	Total Cash Out	94533.92	95172.86
0534430664	xxxx	Cash Reserves	366119.02	363581.38
0534430664	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0999482846	xxxx	Cash Reserves	224567.35	225667.67
0639132140	xxxx	Cash Reserves	339548.01	1111444.14
0814349617	xxxx	Cash Reserves	125644.92	124872.42
0594120880	xxxx	Cash Reserves	108186.38	150071.54
0594120880	xxxx	Total Cash Out	112178.95	112858.83
0921791902	xxxx	Cash Reserves	66895.82	66642.81
0867330631	xxxx	Cash Reserves	587520.18	308769.68
0571215050	xxxx	Cash Reserves	121739.77	109444.39
0571215050	xxxx	Debt to Income Ratio (Back)	39.2700	42.7963
0571215050	xxxx	Loan Purpose	Rate and Term Refi	Cashout Refi
0899467081	xxxx	Cash Reserves	72244.21	89927.90
0899467081	xxxx	Total Cash Out	228202.26	228819.64
0025719445	xxxx	Cash Reserves	75589.99	212199.12
0849961955	xxxx	Cash Reserves	114920.36	114920.61
0652256234	xxxx	Cash Reserves	68741.55	40821.27
0820524455	xxxx	Cash Reserves	225548.85	340509.09
0820524455	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0924008021	xxxx	Cash Reserves	381664.67	398363.45
0924008021	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0924008021	xxxx	Total Cash Out	489128.88	489688.76
0053041317	xxxx	Cash Reserves	103528.55	101205.02
0287071065	xxxx	Cash Reserves	655919.01	697045.91
0371331609	xxxx	Cash Reserves	240211.64	206750.79
0933118945	xxxx	Cash Reserves	150896.10	181379.03
0099141155	xxxx	Cash Reserves	102538.48	477165.85
0099141155	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0344521960	xxxx	Cash Reserves	143965.57	138195.28
0330342532	xxxx	Cash Reserves	131557.84	235210.47
0330342532	xxxx	Debt to Income Ratio (Back)	41.7000	37.1654
0330342532	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0733068263	xxxx	Cash Reserves	102501.53	102880.71
0999987149	xxxx	Cash Reserves	176612.91	251142.70
0628460031	xxxx	Cash Reserves	589340.84	343126.05
0628460031	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0628460031	xxxx	Property Type	SFR-Attached	Attached PUD
0530867323	xxxx	Cash Reserves	81389.03	315985.75
0090619573	xxxx	Cash Reserves	171220.93	166811.84
0555708554	xxxx	Cash Reserves	59990.06	23688.73
0555708554	xxxx	Debt to Income Ratio (Back)	27.4100	32.8760
0865182578	xxxx	Cash Reserves	274965.98	348191.58
0053075634	xxxx	Cash Reserves	93870.97	517632.40
0587960620	xxxx	Cash Reserves	213390.32	191525.02
0473579242	xxxx	Cash Reserves	64270.34	74956.54
0461714176	xxxx	Cash Reserves	430358.40	430946.34
0461714176	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0522153499	xxxx	Cash Reserves	103786.86	135361.14
0986343815	xxxx	Cash Reserves	136255.71	165195.07
0986343815	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0773567689	xxxx	Cash Reserves	214308.43	216456.31
0623828482	xxxx	Cash Reserves	301397.45	301666.43
0623828482	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0246490273	xxxx	Cash Reserves	64901.36	83023.27
0675523513	xxxx	Cash Reserves	414319.66	414872.54
0265473765	xxxx	Borrower 2 First Time Home Buyer	Yes	No
0265473765	xxxx	Cash Reserves	155112.82	155103.12
0048624852	xxxx	Cash Reserves	695248.74	363812.84
0048624852	xxxx	Debt to Income Ratio (Back)	38.7600	35.2513
0048624852	xxxx	Total Cash Out	100391.59	100896.53
0375583544	xxxx	Cash Reserves	352810.82	610800.71
0375583544	xxxx	Debt to Income Ratio (Back)	29.4600	26.4229
0669191858	xxxx	Cash Reserves	61249.65	62579.66
0811775736	xxxx	Cash Reserves	685221.51	282776.55
0811775736	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0310649298	xxxx	Cash Reserves	83343.65	53888.29
0201216775	xxxx	Cash Reserves	389354.03	389874.97
0258004684	xxxx	Cash Reserves	209038.91	128935.73
0876404452	xxxx	Borrower 1 Self Employed Flag	No	Yes
0876404452	xxxx	Cash Reserves	144980.09	143615.56
0551003277	xxxx	Cash Reserves	201164.58	272784.39
0551003277	xxxx	Property Street Address	xxxx	xxxx
0694908987	xxxx	Borrower 2 First Time Home Buyer	Yes	No
0694908987	xxxx	Cash Reserves	390689.61	407929.04
0694908987	xxxx	Debt to Income Ratio (Back)	20.0600	23.2869
0533658635	xxxx	Cash Reserves	48732.81	48226.62
0917122174	xxxx	Cash Reserves	223446.25	169015.86
0217252699	xxxx	Cash Reserves	138361.11	416762.16
0217252699	xxxx	Debt to Income Ratio (Back)	28.4700	23.8217
0852978893	xxxx	Cash Reserves	84644.60	61315.57
0852978893	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0653602580	xxxx	Cash Reserves	764138.45	449833.46
0653602580	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0258465872	xxxx	Cash Reserves	183375.96	143137.72
0773577882	xxxx	Cash Reserves	115774.38	114237.27
0077143678	xxxx	Cash Reserves	372826.06	357022.93
0638266015	xxxx	Cash Reserves	207694.41	214128.52
0419534061	xxxx	Cash Reserves	66314.15	148159.31
0410893422	xxxx	Cash Reserves	392679.59	718662.88
0905539149	xxxx	Cash Reserves	706780.74	600073.41
0905539149	xxxx	Debt to Income Ratio (Back)	24.6200	14.8735
0905539149	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0526146435	xxxx	Cash Reserves	107282.80	115896.91
0593786139	xxxx	Cash Reserves	588550.56	548221.56
0777002709	xxxx	Cash Reserves	209569.39	66926.58
0659873142	xxxx	Cash Reserves	426127.44	379240.35
0608216970	xxxx	Cash Reserves	180249.88	123744.33
0608216970	xxxx	Total Cash Out	202373.96	203068.96
0542236970	xxxx	Cash Reserves	661670.98	657662.84
0877911312	xxxx	Cash Reserves	302458.93	303103.87
0284106257	xxxx	Cash Reserves	121898.18	121892.18
0284106257	xxxx	Loan Purpose	Rate and Term Refi	Cashout Refi
0284106257	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0473557007	xxxx	Cash Reserves	117666.20	123162.55
0903525351	xxxx	Cash Reserves	137139.90	115050.14
0387168276	xxxx	Cash Reserves	494424.37	365328.63
0387168276	xxxx	Sales Price	xxxx	xxxx
0299292838	xxxx	Cash Reserves	310843.69	313487.41
0878608254	xxxx	Cash Reserves	503002.60	991227.34
0611567987	xxxx	Cash Reserves	179202.55	181593.43
0023634811	xxxx	Cash Reserves	139450.19	158478.08
0587895180	xxxx	Cash Reserves	58472.09	154845.99
0642653306	xxxx	Cash Reserves	387295.43	407145.15
0481414401	xxxx	Cash Reserves	311981.86	307663.14
0481414401	xxxx	Combined LTV	80	79
0481414401	xxxx	Debt to Income Ratio (Back)	23.6600	40.8451
0481414401	xxxx	Original Appraised Value	xxxx	xxxx
0481414401	xxxx	Original LTV	80	79
0065848808	xxxx	Cash Reserves	77930.27	72341.64
0599831302	xxxx	Cash Reserves	457592.86	462262.80
0242023875	xxxx	Cash Reserves	983106.59	1310620.08
0042711402	xxxx	Cash Reserves	513960.28	808479.07
0042711402	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0360131921	xxxx	Cash Reserves	148285.37	149002.08
0857797941	xxxx	Cash Reserves	53914.23	74037.12
0232987763	xxxx	Cash Reserves	760576.65	539762.37
0232987763	xxxx	Combined LTV	32	28
0290594425	xxxx	Cash Reserves	54577.53	97840.45
0290594425	xxxx	Debt to Income Ratio (Back)	28.8600	33.8660
0962875471	xxxx	Cash Reserves	172783.74	158051.36
0962875471	xxxx	Debt to Income Ratio (Back)	37.8300	35.1065
0962875471	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0040322661	xxxx	Cash Reserves	228574.40	198995.53
0196450921	xxxx	Cash Reserves	94149.89	1028056.72
0196450921	xxxx	Debt to Income Ratio (Back)	20.5000	26.7463
0408372459	xxxx	Cash Reserves	775805.44	677514.50
0408372459	xxxx	Combined LTV	73	71
0408372459	xxxx	Debt to Income Ratio (Back)	36.2400	31.8713
0408372459	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0378811430	xxxx	Cash Reserves	259435.17	259972.11
0320662342	xxxx	Cash Reserves	191632.61	192398.52
0320662342	xxxx	Debt to Income Ratio (Back)	34.0300	42.6630
0667911287	xxxx	Cash Reserves	90079.13	2248312.91
0667911287	xxxx	Debt to Income Ratio (Back)	34.7900	36.8030
0745219020	xxxx	Cash Reserves	141411.32	90342.94
0745219020	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0352821349	xxxx	Cash Reserves	1174297.32	1178100.69
0352821349	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0404729966	xxxx	Cash Reserves	663033.35	986543.25
0404729966	xxxx	Property Type	Low Rise Condo (1-4)	Mid Rise Condo (5-8)
0037395348	xxxx	Cash Reserves	689937.57	454764.98
0775461823	xxxx	Borrower 1 First Time Home Buyer	Yes	No
0775461823	xxxx	Cash Reserves	153704.30	88766.66
0775461823	xxxx	Total Cash Out	172174.72	172824.60
0064675078	xxxx	Cash Reserves	506180.73	564956.03
0098076751	xxxx	Cash Reserves	683424.20	683924.08
0098076751	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0877257728	xxxx	Cash Reserves	89462.89	82386.66
0409057536	xxxx	Cash Reserves	92670.66	94900.53
0907234161	xxxx	Cash Reserves	232927.20	220164.57
0686608465	xxxx	Cash Reserves	1261800.66	1196330.26
0686608465	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0369370925	xxxx	Cash Reserves	178294.60	179308.65
0963265142	xxxx	Cash Reserves	173302.85	212390.07
0963265142	xxxx	Debt to Income Ratio (Back)	28.3500	23.1558
0963265142	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0012601618	xxxx	Cash Reserves	88485.76	82840.27
0073169857	xxxx	Borrower 1 First Time Home Buyer	Yes	No
0073169857	xxxx	Cash Reserves	277203.87	552376.52
0338171342	xxxx	Cash Reserves	91436.44	91956.32
0825362700	xxxx	Cash Reserves	95007.31	89015.91
0037588410	xxxx	Cash Reserves	108290.84	64079.20
0018027626	xxxx	Cash Reserves	207816.81	265658.34
0031856583	xxxx	Cash Reserves	50921.05	53295.08
0550644838	xxxx	Cash Reserves	329470.84	288655.86
0550644838	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0380145167	xxxx	Cash Reserves	229441.68	491083.66
0380145167	xxxx	Property Type	Detached PUD	Attached PUD
0993953523	xxxx	Cash Reserves	200468.85	231196.86
0717261372	xxxx	Cash Reserves	2324956.37	1498722.98
0717261372	xxxx	Debt to Income Ratio (Back)	39.1500	35.3680
0612384361	xxxx	Cash Reserves	612265.86	392138.48
0612384361	xxxx	Debt to Income Ratio (Back)	30.7900	33.1264
0562435029	xxxx	Cash Reserves	82423.77	82330.77
0635874506	xxxx	Cash Reserves	1505543.75	1506238.01
0304452920	xxxx	Cash Reserves	253887.44	26035.94
0623540460	xxxx	Cash Reserves	291636.90	114625.47
0854968185	xxxx	Cash Reserves	56308.15	379599.34
0854968185	xxxx	Debt to Income Ratio (Back)	31.5000	29.4676
0627620064	xxxx	Cash Reserves	149082.71	182341.59
0903058578	xxxx	Cash Reserves	162653.78	165464.30
0903058578	xxxx	Debt to Income Ratio (Back)	28.9800	26.6259
0573819928	xxxx	Cash Reserves	80943.74	73702.96
0573819928	xxxx	Debt to Income Ratio (Back)	33.9400	39.0980
0573819928	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0573819928	xxxx	Total Cash Out	117772.86	116223.81
0675371382	xxxx	Cash Reserves	503163.11	486712.77
0178875464	xxxx	Cash Reserves	314224.95	370104.17
0011975262	xxxx	Cash Reserves	127449.34	260822.16
0011975262	xxxx	Debt to Income Ratio (Back)	34.7800	37.0822
0220091938	xxxx	Cash Reserves	91943.46	184945.07
0654430625	xxxx	Cash Reserves	364103.73	363260.54
0654430625	xxxx	Debt to Income Ratio (Back)	40.2000	42.7962
0654430625	xxxx	Total Cash Out	262075.56	262713.44
0512381571	xxxx	Cash Reserves	204019.34	211583.92
0512381571	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0923170915	xxxx	Cash Reserves	215012.27	215298.32
0923170915	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0205186699	xxxx	Cash Reserves	1637057.10	1676204.86
0323086540	xxxx	Cash Reserves	81543.95	80819.01
0072010687	xxxx	Cash Reserves	55768.95	64214.45
0121814226	xxxx	Cash Reserves	108645.66	109150.60
0734302872	xxxx	Cash Reserves	52715.46	401071.03
0734302872	xxxx	Property Type	Detached PUD	SFR
0499449192	xxxx	Borrower 2 First Time Home Buyer	Yes	No
0499449192	xxxx	Cash Reserves	278155.07	322324.37
0547736437	xxxx	Cash Reserves	97197.65	115478.86
0547736437	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0519454366	xxxx	Cash Reserves	98165.10	49997.21
0942015721	xxxx	Cash Reserves	111634.49	132734.20
0942015721	xxxx	Debt to Income Ratio (Back)	40.7800	38.7047
0402827292	xxxx	Cash Reserves	1031499.90	1033996.38
0351572644	xxxx	Cash Reserves	75423.76	654383.43
0856529773	xxxx	Cash Reserves	310528.88	369833.73
0856529773	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0711508889	xxxx	Cash Reserves	150971.81	124267.71
0711508889	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0955581098	xxxx	Cash Reserves	159065.27	162134.04
0955581098	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0074791866	xxxx	Cash Reserves	73129.49	205742.23
0660996863	xxxx	Cash Reserves	138578.72	1039443.25
0717271705	xxxx	Cash Reserves	62186.10	224196.53
0806468966	xxxx	Cash Reserves	137546.54	129746.91
0806468966	xxxx	Total Cash Out	310133.96	310828.98
0287722214	xxxx	Cash Reserves	569222.31	576703.84
0438450916	xxxx	Cash Reserves	63334.56	87672.41
0015615676	xxxx	Cash Reserves	890760.05	1308144.89
0466104492	xxxx	Cash Reserves	381985.73	289311.16
0756929153	xxxx	Cash Reserves	310413.57	306212.77
0808541427	xxxx	Cash Reserves	128947.87	277718.96
0808541427	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0582151661	xxxx	Cash Reserves	116926.04	108540.25
0712761836	xxxx	Cash Reserves	329001.58	331201.58
0712761836	xxxx	Total Cash Out	206938.65	207515.58
0108990712	xxxx	Cash Reserves	99115.76	272609.27
0255772044	xxxx	Cash Reserves	32679.91	33170.45
0268101730	xxxx	Borrower 1 First Time Home Buyer	Yes	No
0268101730	xxxx	Cash Reserves	184560.07	139776.58
0781608431	xxxx	Cash Reserves	1192073.69	1141456.82
0781608431	xxxx	Total Cash Out	490457.38	491081.26
0081020873	xxxx	Cash Reserves	283810.60	283481.64
0434821227	xxxx	Cash Reserves	39691.98	40004.14
0434821227	xxxx	Total Cash Out	28620.75	29745.55
0694941669	xxxx	Cash Reserves	357257.48	304871.57
0025931241	xxxx	Cash Reserves	33352.74	69843.80
0025931241	xxxx	Total Cash Out	47207.29	47662.16
0967102398	xxxx	Cash Reserves	3251082.65	3062564.76
0458751119	xxxx	Cash Reserves	118223.05	165857.90
0458751119	xxxx	Combined LTV	74	69
0047063166	xxxx	Cash Reserves	260076.11	263275.11
0047063166	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0116771282	xxxx	Cash Reserves	924018.22	303085.14
0116771282	xxxx	Sales Price	xxxx	xxxx
0329984103	xxxx	Cash Reserves	477257.34	474811.29
0329984103	xxxx	Combined LTV	67	65
0329984103	xxxx	Original LTV	67	65
0329984103	xxxx	Sales Price	xxxx	xxxx
0858423073	xxxx	Cash Reserves	166307.18	139638.24
0076768572	xxxx	Cash Reserves	58381.55	110479.47
0463752631	xxxx	Cash Reserves	145218.65	145119.54
0946149473	xxxx	Cash Reserves	714339.09	726877.96
0946149473	xxxx	Debt to Income Ratio (Back)	22.0500	24.4356
0894396186	xxxx	Cash Reserves	73162.75	64625.08
0761188894	xxxx	Cash Reserves	2392774.80	2394017.56
0761188894	xxxx	Debt to Income Ratio (Back)	39.4700	35.2642
0232782078	xxxx	Cash Reserves	1085089.86	361879.30
0232782078	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0673178571	xxxx	Cash Reserves	146831.63	1177718.41
0673178571	xxxx	Debt to Income Ratio (Back)	37.7900	33.6048
0424780066	xxxx	Cash Reserves	40116.41	132864.02
0443593931	xxxx	Cash Reserves	179980.67	108970.02
0393046819	xxxx	Borrower 2 First Time Home Buyer	Yes	No
0393046819	xxxx	Cash Reserves	274744.57	273049.21
0393046819	xxxx	Combined LTV	77	80
0393046819	xxxx	Original LTV	77	80
0768495334	xxxx	Cash Reserves	266347.96	266882.84
0768495334	xxxx	Debt to Income Ratio (Back)	34.8000	40.3709
0965932383	xxxx	Cash Reserves	830914.44	795391.03
0965932383	xxxx	Debt to Income Ratio (Back)	38.5600	41.7548
0965932383	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0037903115	xxxx	Cash Reserves	453151.53	619468.73
0064103702	xxxx	Cash Reserves	145741.61	146868.38
0064103702	xxxx	Debt to Income Ratio (Back)	36.8200	34.1308
0104834647	xxxx	Cash Reserves	53319.69	73142.66
0153179307	xxxx	Cash Reserves	367850.83	263272.78
0153179307	xxxx	Debt to Income Ratio (Back)	34.0300	37.3962
0885837781	xxxx	Cash Reserves	291486.41	293372.35
0885837781	xxxx	Debt to Income Ratio (Back)	34.5400	31.9351
0885837781	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0308490700	xxxx	Cash Reserves	368454.23	374860.16
0347604491	xxxx	Cash Reserves	180940.00	69669.06
0347604491	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0706222462	xxxx	Cash Reserves	264437.29	230261.15
0706222462	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0278076877	xxxx	Cash Reserves	61584.24	63553.70
0278076877	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0701480937	xxxx	Cash Reserves	101997.82	102930.88
0182324620	xxxx	Cash Reserves	194136.55	206160.43
0520324877	xxxx	Borrower 2 First Time Home Buyer	Yes	No
0520324877	xxxx	Cash Reserves	416340.25	394470.18
0449741665	xxxx	Cash Reserves	683191.03	773377.39
0957320562	xxxx	Cash Reserves	624504.56	771291.27
0957320562	xxxx	Total Cash Out	632413.32	632943.20
0527882355	xxxx	Cash Reserves	46158.23	65675.09
0943391969	xxxx	Cash Reserves	530893.14	501429.43
0943391969	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0492842120	xxxx	Cash Reserves	270495.47	734837.20
0492842120	xxxx	Debt to Income Ratio (Back)	37.7500	42.9771
0059750561	xxxx	Cash Reserves	878184.40	730356.00
0059750561	xxxx	Total Cash Out	279119.05	279430.54
0198623356	xxxx	Cash Reserves	55932.39	196107.54
0562050924	xxxx	Cash Reserves	362001.41	409071.71
0543141934	xxxx	Cash Reserves	198482.91	198486.35
0366561147	xxxx	Cash Reserves	342267.59	559977.40
0094392600	xxxx	Cash Reserves	428324.07	525982.21
0094392600	xxxx	Debt to Income Ratio (Back)	30.5000	33.1870
0698329521	xxxx	Cash Reserves	1231725.14	1735705.78
0510199528	xxxx	Cash Reserves	135309.09	84896.50
0447316518	xxxx	Borrower 1 First Time Home Buyer	Yes	No
0447316518	xxxx	Cash Reserves	62439.78	60087.66
0447316518	xxxx	Property Type	SFR-Attached	Attached PUD
0742380670	xxxx	Cash Reserves	54660.38	69483.68
0782746714	xxxx	Cash Reserves	299840.49	593980.37
0552339713	xxxx	Cash Reserves	1775592.31	1446341.12
0552339713	xxxx	Debt to Income Ratio (Back)	18.5600	28.5014
0552339713	xxxx	Product Type	30 Yr Fixed	25 Yr Fixed
0552339713	xxxx	Total Cash Out	372141.78	372645.72
0419965117	xxxx	Cash Reserves	72563.55	79529.37
0419965117	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0419965117	xxxx	Total Cash Out	128448.84	5217.16
0182205318	xxxx	Cash Reserves	503628.32	620973.17
0166947466	xxxx	Cash Reserves	54923.03	77693.76
0128796492	xxxx	Cash Reserves	46764.30	63940.46
0406031293	xxxx	Cash Reserves	54452.25	55820.19
0136622356	xxxx	Cash Reserves	193435.16	204703.09
0136622356	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0725047023	xxxx	Borrower 1 Self Employed Flag	No	Yes
0725047023	xxxx	Cash Reserves	492534.51	487904.17
0725047023	xxxx	Debt to Income Ratio (Back)	15.5700	19.1375
0211316149	xxxx	Cash Reserves	260441.60	177638.59
0294899031	xxxx	Borrower 1 First Time Home Buyer	Yes	No
0294899031	xxxx	Cash Reserves	270628.75	166702.80
0294899031	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0212111315	xxxx	Cash Reserves	45911.79	59193.99
0212111315	xxxx	Property Type	SFR-Attached	Attached PUD
0015019535	xxxx	Cash Reserves	69705.95	109925.55
0015019535	xxxx	Debt to Income Ratio (Back)	35.4800	37.6967
0014293133	xxxx	Cash Reserves	53166.94	1063884.66
0821015942	xxxx	Cash Reserves	41379.83	186067.97
0242975166	xxxx	Borrower 1 First Time Home Buyer	Yes	No
0242975166	xxxx	Cash Reserves	542725.49	410106.64
0932237230	xxxx	Cash Reserves	295758.08	323383.15
0603493435	xxxx	Cash Reserves	53730.82	45909.16
0603493435	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0647450821	xxxx	Cash Reserves	148472.30	185143.44
0647450821	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0690880566	xxxx	Cash Reserves	790729.00	829027.12
0262397850	xxxx	Cash Reserves	916177.08	917535.56
0181021468	xxxx	Cash Reserves	352568.51	301129.21
0702914997	xxxx	Cash Reserves	93793.81	97786.19
0334609891	xxxx	Cash Reserves	397790.77	397381.85
0334609891	xxxx	Debt to Income Ratio (Back)	41.9600	36.1397
0334609891	xxxx	Property Street Address	xxxx	xxxx
0774371873	xxxx	Cash Reserves	1441479.04	1252431.10
0240658470	xxxx	Cash Reserves	100512.21	135353.46
0247185195	xxxx	Cash Reserves	186806.52	187470.50
0247185195	xxxx	Property Type	SFR	Detached PUD
0858951157	xxxx	Cash Reserves	312492.17	205337.79
0858951157	xxxx	Debt to Income Ratio (Back)	39.8200	42.0111
0607196369	xxxx	Cash Reserves	553102.69	1403852.63
0607196369	xxxx	Debt to Income Ratio (Back)	9.6200	12.9861
0607196369	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0638856255	xxxx	Cash Reserves	76453.41	77131.91
0298446113	xxxx	Cash Reserves	380214.09	549795.67
0378140285	xxxx	Cash Reserves	351388.51	392947.12
0378140285	xxxx	Total Cash Out	73492.12	74215.97
0131405959	xxxx	Cash Reserves	148129.38	426028.39
0062653660	xxxx	Cash Reserves	940143.37	658643.42
0062653660	xxxx	Debt to Income Ratio (Back)	23.0200	32.7889
0062653660	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0062653660	xxxx	Total Cash Out	993686.18	994381.18
0390237758	xxxx	Cash Reserves	125107.04	125958.93
0073986251	xxxx	Cash Reserves	145564.55	62807.81
0157787246	xxxx	Cash Reserves	176876.46	318179.98
0971909691	xxxx	Cash Reserves	67094.94	67628.86
0971909691	xxxx	Debt to Income Ratio (Back)	23.0400	31.6497
0303552074	xxxx	Cash Reserves	307836.40	319552.04
0143654006	xxxx	Cash Reserves	318167.10	303472.69
0143654006	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0867929569	xxxx	Cash Reserves	78685.24	78531.37
0263001859	xxxx	Cash Reserves	73185.70	64557.80
0247762325	xxxx	Cash Reserves	551172.80	928655.47
0511914208	xxxx	Cash Reserves	168879.50	166415.64
0147057311	xxxx	Cash Reserves	43008.67	95602.62
0251082501	xxxx	Cash Reserves	229693.31	238683.90
0524027806	xxxx	Cash Reserves	430644.78	584494.69
0105715403	xxxx	Cash Reserves	106384.56	107393.55
0105715403	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0856625349	xxxx	Cash Reserves	402247.50	115115.74
0856625349	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0413418738	xxxx	Cash Reserves	229952.76	243493.91
0599446850	xxxx	Cash Reserves	104216.72	110186.24
0599446850	xxxx	Debt to Income Ratio (Back)	42.0200	35.7555
0210529810	xxxx	Cash Reserves	271141.68	241961.54
0592523327	xxxx	Cash Reserves	128821.20	715303.86
0785368596	xxxx	Cash Reserves	170853.01	215429.32
0423142028	xxxx	Cash Reserves	890294.52	1308127.22
0436058353	xxxx	Cash Reserves	320626.34	308503.87
0436058353	xxxx	Combined LTV	79	90
0436058353	xxxx	Original Appraised Value	xxxx	xxxx
0436058353	xxxx	Original LTV	79	90
0144649071	xxxx	Cash Reserves	234373.97	398778.83
0144649071	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0467086752	xxxx	Cash Reserves	243949.13	246673.35
0671414011	xxxx	Cash Reserves	316766.13	382267.12
0397198429	xxxx	Cash Reserves	124713.20	108993.18
0310087816	xxxx	Cash Reserves	197807.98	241797.02
0334182583	xxxx	Cash Reserves	149383.70	31169.26
0334182583	xxxx	Debt to Income Ratio (Back)	28.9900	25.3389
0461650624	xxxx	Cash Reserves	96524.27	99952.90
0461650624	xxxx	Debt to Income Ratio (Back)	35.6200	37.9870
0911983245	xxxx	Cash Reserves	40702.81	130797.23
0911983245	xxxx	Combined LTV	80	76
0911983245	xxxx	Debt to Income Ratio (Back)	32.5200	22.9372
0711836479	xxxx	Cash Reserves	195391.08	185927.23
0904053843	xxxx	Cash Reserves	235111.59	250459.93
0904053843	xxxx	Property Type	SFR-Attached	Attached PUD
0838663243	xxxx	Cash Reserves	572025.24	562560.18
0181495557	xxxx	Cash Reserves	99409.47	127425.26
0181495557	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0429706823	xxxx	Cash Reserves	1011795.51	1072725.88
0429706823	xxxx	Total Cash Out	303388.12	304023.06
0385763800	xxxx	Cash Reserves	200365.86	471875.24
0027579213	xxxx	Cash Reserves	136095.23	137305.14
0665644821	xxxx	Cash Reserves	323243.43	315592.70
0665644821	xxxx	Debt to Income Ratio (Back)	22.2700	27.2343
0526092963	xxxx	Cash Reserves	259396.89	353328.55
0526092963	xxxx	Property Type	SFR-Attached	Attached PUD
0941956191	xxxx	Cash Reserves	50279.09	134398.07
0736646590	xxxx	Cash Reserves	96986.63	401351.51
0736646590	xxxx	Property Type	SFR	Detached PUD
0323565512	xxxx	Cash Reserves	173460.40	172365.89
0323565512	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0317239311	xxxx	Total Cash Out	137599.72	138246.22
0188683956	xxxx	Cash Reserves	183902.26	148579.63
0987442490	xxxx	Cash Reserves	135483.41	150302.54
0871329913	xxxx	Cash Reserves	324292.85	270933.45
0871329913	xxxx	Total Cash Out	60197.58	60658.86
0545770439	xxxx	Cash Reserves	134847.53	125469.34
0797794060	xxxx	Cash Reserves	80190.03	243741.76
0888972501	xxxx	Cash Reserves	334181.04	615520.14
0127926602	xxxx	Cash Reserves	82448.15	97605.28
0122478716	xxxx	Cash Reserves	331330.23	390447.81
0852908963	xxxx	Cash Reserves	247147.44	333128.08
0852908963	xxxx	Debt to Income Ratio (Back)	35.1400	37.7094
0740918592	xxxx	Cash Reserves	132816.50	109005.30
0740918592	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0418564687	xxxx	Cash Reserves	95663.54	148468.25
0549501990	xxxx	Cash Reserves	173472.79	1029799.70
0363084481	xxxx	Cash Reserves	95963.25	96487.40
0427052057	xxxx	Borrower 1 First Time Home Buyer	No	Yes
0427052057	xxxx	Cash Reserves	276524.27	227258.40
0608813187	xxxx	Cash Reserves	241475.65	342891.70
0344097908	xxxx	Cash Reserves	192226.05	292717.97
0024076265	xxxx	Cash Reserves	233373.68	239941.69
0024076265	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0289642497	xxxx	Cash Reserves	75454.77	53201.51
0829744080	xxxx	Cash Reserves	517666.07	524305.31
0743596711	xxxx	Cash Reserves	278861.71	300956.98
0743596711	xxxx	Debt to Income Ratio (Back)	23.8500	32.6812
0743596711	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed
0924563948	xxxx	Borrower 1 First Time Home Buyer	Yes	No
0924563948	xxxx	Cash Reserves	644694.11	462943.13
0322285411	xxxx	Cash Reserves	464014.04	578380.85
0968435943	xxxx	Cash Reserves	366690.43	265716.33
0968435943	xxxx	Property Type	Rowhouse	Low Rise Condo (1-4)
0909630137	xxxx	Cash Reserves	642989.04	1015338.92
0807321102	xxxx	Borrower 2 First Time Home Buyer	Yes	No
0807321102	xxxx	Cash Reserves	448362.20	1068007.92
0807321102	xxxx	Property Type	SFR	Detached PUD
0174514190	xxxx	Cash Reserves	286780.98	408425.45
0542530132	xxxx	Cash Reserves	1456097.59	2666162.74
0542530132	xxxx	Debt to Income Ratio (Back)	29.6100	32.1977
0410849431	xxxx	Cash Reserves	125582.95	125774.14
0410849431	xxxx	Product Type	30 Yr Fixed	Jumbo 30yr Fixed

©2018 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

EX-99.3

Exhibit 99.3

Client Name:	Wells Fargo Bank, N.A.
Client Project Name:	Wells Fargo SEC WFMBS 2018-1
Deal Loan Count:	675
Rating Agency ATR QM Data Fields
Loans in Report:	675

Loan Number

Loan Level ATR/QM Status

Application Date Prior to 1/10/2014

TRID Indicator

Lender Application Date

Broker Application Date

GSE Eligible

QRM Flag

ATR/QM Total Points and Fees

Rate Lock Date

APR

Bwr 1 Employment Indicator

Bwr 2 Employment Indicator

Bwr 1 Foreign National Indicator

Bwr 2 Foreign National Indicator

Residual Income Analysis in File

ATR/QM Residual Income

Loan Status

0198490646

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8705

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0272422234

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8755

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0513862414

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1073

XXXXXX

4.0273

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0985966627

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9826

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0716482438

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

3.8923

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0167198960

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2736.12

XXXXXX

3.7888

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

ClientComplete

0986948686

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0114929666

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1161.97

XXXXXX

4.0531

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0013596571

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3511

XXXXXX

4.0562

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0969469206

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3177.75

XXXXXX

3.9343

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0463263080

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1672.4

XXXXXX

3.9112

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0876486933

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6014.38

XXXXXX

4.0005

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0971371565

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8755

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0416108152

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1770

XXXXXX

4.0114

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0557539715

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.125

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0455200064

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.999

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0843639626

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

975

XXXXXX

4.0204

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0776953326

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0106638645

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4373.76

XXXXXX

3.9429

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

ClientComplete

0691536502

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1070

XXXXXX

4.1221

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0865326988

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1957.5

XXXXXX

4.1455

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0415988250

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.6249

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0100323938

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8754

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0222073206

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1703

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0423671696

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7499

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0374580899

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4293

XXXXXX

3.6595

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

8641.12

ClientComplete

0786970259

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3770

XXXXXX

4.0419

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0753632678

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0302

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0783427138

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1384

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0101562027

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.0157

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0078651891

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

8027.62

ClientComplete

0341290749

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0001

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0867373975

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.0412

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0057032617

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9999

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0268546227

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7457

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0172557232

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8741

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0988469610

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0205

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0204723075

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

620.99

XXXXXX

4.0083

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

ClientComplete

0056645247

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

3.9073

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

Complete

0319257717

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8626

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0761901278

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

807.4

XXXXXX

3.9088

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0190683104

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8741

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0824523290

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3527.7

XXXXXX

3.801

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0599862905

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

595.39

XXXXXX

4.067

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0902751308

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.6225

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0727384843

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8773

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0845727985

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.0318

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0311732264

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

490

XXXXXX

3.875

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0643935149

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

125

XXXXXX

4.1431

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0600158732

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

235

XXXXXX

4.3906

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

ClientComplete

0478995585

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5723.15

XXXXXX

3.84

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0596929830

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1596.87

XXXXXX

3.9049

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0085663199

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2535.36

XXXXXX

4.022

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0065725568

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3065

XXXXXX

3.6841

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0031852602

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1500.75

XXXXXX

3.8952

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0430373345

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

127.13

XXXXXX

3.75

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0861362987

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1173

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0094409512

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2822

Employed

Unemployed

U.S. Citizen

U.S. Citizen

Yes

38118.03

ClientComplete

0337802318

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0074

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0662145898

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1363

Retired

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0532491109

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

890

XXXXXX

4.0193

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0022741255

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3157.5

XXXXXX

4.0496

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0917051480

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

775.12

XXXXXX

3.89

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0559567916

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

3.6372

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0309677731

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

14.1

XXXXXX

3.768

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

ClientComplete

0728724851

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7605

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0459963628

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2030.6

XXXXXX

3.68

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0253882113

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

588

XXXXXX

3.9963

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0059231634

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8756

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

ClientComplete

0815033209

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

655

XXXXXX

4.0186

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0529178417

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1249

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0902448126

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9972

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

ClientComplete

0484741858

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

11927.46

XXXXXX

3.7683

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0889075729

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2045.07

XXXXXX

3.6713

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0624956874

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1915

XXXXXX

3.7871

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0472590841

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4745

XXXXXX

3.9156

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0927122674

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

495.08

XXXXXX

3.8799

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0973107614

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1870

XXXXXX

4.3458

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0696430338

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1132.12

XXXXXX

3.6411

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0600379898

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1486.87

XXXXXX

3.7696

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0821457719

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1205.9

XXXXXX

4.0111

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

ClientComplete

0702523610

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.8905

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0081972063

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2166

XXXXXX

4.0242

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0238560685

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3451.65

XXXXXX

3.9247

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0961297152

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7555

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0356814269

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

36.8

XXXXXX

4.1216

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

ClientComplete

0376779553

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

11807.78

XXXXXX

4.0207

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

9319.07

ClientComplete

0247615349

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3456.25

XXXXXX

3.8144

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0411144370

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7457

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0149761540

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

764.35

XXXXXX

3.6335

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0978296825

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3679.98

XXXXXX

3.94

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0373903413

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

3.7734

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0111275216

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

535.88

XXXXXX

3.8914

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0600752102

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2148

XXXXXX

3.7769

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0403516503

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8714

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0083025693

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9997

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0852948087

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2245

XXXXXX

4.1814

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0352056311

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7567

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0291974633

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2447.5

XXXXXX

4.0298

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0104031291

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4406.91

XXXXXX

3.6554

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0022460253

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1649.9

XXXXXX

3.6209

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0356069864

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.0255

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0389914585

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2630

XXXXXX

4.2993

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0811028667

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1584

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0214395498

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1782.32

XXXXXX

3.7652

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0382119029

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3054

XXXXXX

3.7758

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

33495.4

ClientComplete

0550863845

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8749

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0581078467

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

3.8838

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0118954527

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

597.5

XXXXXX

4.0189

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0654630168

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7771

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0222426472

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.6225

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

ClientComplete

0610529858

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1160

XXXXXX

4.0202

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

ClientComplete

0280660533

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8749

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0006517460

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.6331

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0137030363

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

864.64

XXXXXX

3.7632

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0506584465

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

620.06

XXXXXX

3.8837

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0563605078

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4975

XXXXXX

3.9626

Employed

(No Data)

Non-Resident Alien

(No Data)

No

0

Complete

0857113702

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

985

XXXXXX

4.044

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0429136736

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2957.52

XXXXXX

3.8132

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0782569039

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.0319

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0516681132

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1672.5

XXXXXX

3.7671

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

ClientComplete

0704889234

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80.5

XXXXXX

3.8856

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0466205829

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4752.5

XXXXXX

4.0924

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0981504604

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1168.4

XXXXXX

4.0289

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0568471615

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0408

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0257730327

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1249

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0171423524

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7937.66

XXXXXX

4.2398

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0112177010

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.1589

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0708956123

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5082.38

XXXXXX

4.0441

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0599093146

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.017

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0636482348

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5033.38

XXXXXX

4.1733

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0514841423

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

10190

XXXXXX

4.1262

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0396510063

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

653.4

XXXXXX

3.9033

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0524014745

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.9167

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

ClientComplete

0675492823

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1181.9

XXXXXX

3.9022

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0373002764

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4227.12

XXXXXX

3.9256

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0938591853

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1131.26

XXXXXX

4.1757

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0032209440

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1782.5

XXXXXX

4.2803

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0492815225

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1.99

XXXXXX

3.9991

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0014695945

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4115

XXXXXX

3.943

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0784673495

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

392.2

XXXXXX

4.0118

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0714114345

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

53.75

XXXXXX

4.2831

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0422638517

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0447226719

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9049

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0114815267

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.8853

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0694516740

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3620

XXXXXX

4.0832

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

Complete

0234016044

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1145

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0807728116

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.9013

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0571861525

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

655

XXXXXX

4.0338

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

Complete

0248112584

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.1821

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

ClientComplete

0583480065

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3427

XXXXXX

3.8723

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0971636256

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7491

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0022402831

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0101

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

ClientComplete

0531739101

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4775

XXXXXX

4.0612

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0519807589

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

520

XXXXXX

3.6455

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0416031356

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7496

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0900449798

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

733.48

XXXXXX

3.8852

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0364392314

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

3.9061

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0052525843

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9999

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0974107324

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2960.12

XXXXXX

3.8041

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0271155123

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3065.12

XXXXXX

3.9216

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

ClientComplete

0993336234

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

991.02

XXXXXX

3.9131

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0252702162

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7483

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0943993233

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

768.75

XXXXXX

4.0322

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0409570095

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1247

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0826049529

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

3.8927

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

Complete

0924722350

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4377.5

XXXXXX

4.3439

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0141281544

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1484

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0484774077

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7587

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0986241330

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.1829

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0077767030

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1379

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0037675837

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1070

XXXXXX

4.0173

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0914993984

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1211

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0881498003

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1965

XXXXXX

4.1344

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0772851758

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3120

XXXXXX

3.8951

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0297933455

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1169.04

XXXXXX

4.1541

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0152790510

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2022

XXXXXX

4.2876

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

23441.95

ClientComplete

0162603387

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

226.25

XXXXXX

4.0069

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0286688537

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0095

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0971072166

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

170

XXXXXX

4.1436

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0471215130

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3779

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0174347186

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8749

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0717944526

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3589.9

XXXXXX

4.0198

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

ClientComplete

0271974437

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1060

XXXXXX

4.0262

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0865726448

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1151.9

XXXXXX

4.2606

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0641387035

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2290.15

XXXXXX

3.9217

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0499290107

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3418

XXXXXX

3.9047

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0984113789

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2871

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0543517325

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

367

XXXXXX

3.9063

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0742116449

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9917

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0063998455

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

105

XXXXXX

4.028

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0419691171

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8747

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0611933989

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8747

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0260022542

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

463.75

XXXXXX

4.2675

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0795648384

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7511

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0804858638

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

50

XXXXXX

4.1328

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0437313321

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8242.5

XXXXXX

3.8053

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0081625185

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

997.7

XXXXXX

3.8812

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0660899105

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9999

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0355589186

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

85

XXXXXX

3.889

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0834019415

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1470

XXXXXX

4.0278

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0870886021

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1045

XXXXXX

3.894

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0101425828

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.0243

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0301417482

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9017

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0041347460

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

450

XXXXXX

3.8749

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0194464519

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0298

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0537398583

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

655

XXXXXX

3.8953

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0561305152

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2402.5

XXXXXX

4.5088

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0943293533

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.7595

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

ClientComplete

0621922920

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4999

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0255207432

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3035

XXXXXX

3.9406

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0207703098

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1720

XXXXXX

4.0478

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0779645708

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

3.8912

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0975606133

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.9126

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

10888.41

ClientComplete

0746696438

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0282

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0386076695

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7401

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0338559128

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5

XXXXXX

4.0058

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0171354974

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3.98

XXXXXX

4.1251

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0088431306

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

40.12

XXXXXX

4.1341

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0430928190

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9935

Employed

Retired

U.S. Citizen

U.S. Citizen

Yes

5600.1

ClientComplete

0086915007

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

528.4

XXXXXX

3.9019

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0941264462

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

10605.06

XXXXXX

4.1502

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

1975.56

ClientComplete

0995314686

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2832.5

XXXXXX

4.0385

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0202316746

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3627.5

XXXXXX

3.9472

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0462557385

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3400

XXXXXX

3.968

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0006562199

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2250

XXXXXX

4.0469

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0879329509

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.875

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0485847750

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.0128

Employed

Unemployed

Permanent Resident Alien

Permanent Resident Alien

No

0

ClientComplete

0483461224

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

800

XXXXXX

4.0068

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0740753131

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9175

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0593442659

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

3.8986

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0776613258

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.9011

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

6994.73

ClientComplete

0908352435

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9325

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0791523283

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8753

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0603383650

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

804

XXXXXX

3.8997

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

ClientComplete

0172832997

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.9042

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0679932837

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3390.63

XXXXXX

3.9356

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

7344.12

ClientComplete

0133788274

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.7782

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0223534277

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1084.46

XXXXXX

3.8955

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0269398584

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.9084

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0830016774

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4038

XXXXXX

3.916

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0544573523

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2745

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0568077651

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0213256472

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

975

XXXXXX

4.0254

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0918551815

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7435.33

XXXXXX

3.8768

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0536703114

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2720.74

XXXXXX

4.3027

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0184927653

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.9002

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

Complete

0425499704

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2045

XXXXXX

4.0453

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

ClientComplete

0422359722

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

852

XXXXXX

4.0177

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

7423.84

ClientComplete

0876973685

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

888.4

XXXXXX

3.7648

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0125680037

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

916.91

XXXXXX

3.8923

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0076501399

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1228

XXXXXX

4.2829

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0561211383

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8749

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0203936506

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

85

XXXXXX

4.0155

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0346861741

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8753

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0657173319

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7871.25

XXXXXX

4.2169

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0768000690

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2190.31

XXXXXX

4.0287

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0996838302

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1800

XXXXXX

3.8996

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0106678316

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9998

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0207747354

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

683.91

XXXXXX

4.1406

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0437964641

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

78

XXXXXX

4.1552

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0337854044

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3758

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

ClientComplete

0707715288

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

895

XXXXXX

4.6501

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0833277651

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1095

XXXXXX

4.272

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0428282147

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.151

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0108921471

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

3.9015

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0431414921

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2517

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

6259.54

ClientComplete

0848813629

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

730

XXXXXX

3.9999

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0550561592

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2060

XXXXXX

4.1607

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0987475707

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

626.25

XXXXXX

4.4023

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0621360461

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1311

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0349220317

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7450

XXXXXX

4.1993

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0595813475

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.031

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0673760116

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

565

XXXXXX

4.267

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0516014297

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1910

XXXXXX

3.7747

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0246454537

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.0428

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0532118355

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8749

Employed

Unemployed

Permanent Resident Alien

U.S. Citizen

No

0

ClientComplete

0221966057

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.0431

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0644056829

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

985

XXXXXX

3.9017

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0437155707

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.7781

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0614391228

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

605

XXXXXX

4.2605

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0004354646

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2472

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0351751602

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8796

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0486881119

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9999

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0066177384

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4801.56

XXXXXX

3.9138

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0281539416

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1211

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0637339007

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.0279

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

ClientComplete

0192596650

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9999

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0992393698

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1701

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0919797752

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.2786

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0122358720

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2797

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0736692798

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.0226

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0656019685

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0159

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0093027658

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9078

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0686066259

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6082.81

XXXXXX

3.6441

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0837284068

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

70

XXXXXX

4.0015

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0691772828

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

408.75

XXXXXX

3.8922

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0479287110

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1669

XXXXXX

4.2654

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0034624014

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0725409766

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0066

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0615242038

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1073

XXXXXX

4.0197

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0650274431

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

990

XXXXXX

3.8986

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0650841653

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7499

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

1703.45

Complete

0562338142

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2857.63

XXXXXX

4.0654

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0190582086

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1240

XXXXXX

4.2987

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

3627.05

ClientComplete

0579247270

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0023

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0101856594

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2732

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0908843858

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

529.9

XXXXXX

4.0241

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0798541927

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.7742

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

7153.56

ClientComplete

0120859899

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0214

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0438999994

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1738.44

XXXXXX

4.0147

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0927271363

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8732

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0993922484

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2751

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0989914124

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2525

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0469244388

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0933327597

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9999

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0952469643

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.905

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0784047464

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

985

XXXXXX

4.0297

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0699908676

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.0258

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0154401508

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8936

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0248538953

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.124

Unemployed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0796193717

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.0316

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0360601850

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2890

XXXXXX

4.3041

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0502602092

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.0207

Retired

Employed

U.S. Citizen

U.S. Citizen

Yes

3352.97

ClientComplete

0374421846

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1345

XXXXXX

4.0287

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

10125.43

ClientComplete

0869481114

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4989

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0683114526

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

690

XXXXXX

4.0222

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0193755715

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2

XXXXXX

4.3835

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0598685650

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9953

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0786998716

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

975

XXXXXX

4.0208

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0633279453

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7297

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0654583614

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.032

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

5550.19

ClientComplete

0007389455

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

410

XXXXXX

4.0236

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0820462922

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8779

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0785069162

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.6233

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

Complete

0692374956

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.375

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0364783811

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0171

Retired

Retired

U.S. Citizen

U.S. Citizen

Yes

4346.32

ClientComplete

0161867778

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0435440048

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3743

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0519423392

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0281

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0156684006

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7466

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0900651110

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.401

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0457764944

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

75

XXXXXX

3.9036

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0955632555

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.3934

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0141645623

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2028

XXXXXX

3.8955

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0316042140

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4050

XXXXXX

3.9273

Employed

Unemployed

Permanent Resident Alien

Permanent Resident Alien

No

0

Complete

0178078106

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3180

XXXXXX

3.9257

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0028020179

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1286

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0963507581

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3767

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0844112514

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5548.75

XXXXXX

4.0909

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0965962450

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

3.9021

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0912101231

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0076

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0782207148

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

380

XXXXXX

3.8986

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

Complete

0560805918

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

3.9037

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0745515331

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2322.5

XXXXXX

4.2761

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0534430664

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0049

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

5898.34

ClientComplete

0999482846

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1045

XXXXXX

4.1658

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

Complete

0639132140

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

925

XXXXXX

3.8812

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0814349617

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1684.13

XXXXXX

4.031

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0594120880

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2502.5

XXXXXX

4.3146

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0921791902

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

457.11

XXXXXX

4.1315

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

Complete

0867330631

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8730

XXXXXX

4.3633

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

ClientComplete

0571215050

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2847

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0899467081

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

588

XXXXXX

4.2562

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

Complete

0275842043

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5075.4

XXXXXX

3.7499

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

Complete

0025719445

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

313.75

XXXXXX

4.6374

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0849961955

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1652.5

XXXXXX

4.4183

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0652256234

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9926

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0820524455

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

496.25

XXXXXX

4.3897

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0924008021

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.1684

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0053041317

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

984.94

XXXXXX

4.1485

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0287071065

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.9049

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0371331609

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1260

XXXXXX

3.8982

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0933118945

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1283

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0099141155

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9018

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0344521960

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2873.13

XXXXXX

3.8054

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0330342532

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1260

XXXXXX

4.0222

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0733068263

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1249

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0999987149

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

360

XXXXXX

3.8903

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0628460031

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

322.19

XXXXXX

4.2611

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0530867323

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1240

XXXXXX

4.1458

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0090619573

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1902.88

XXXXXX

4.0614

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0555708554

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0865182578

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8679

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0053075634

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1295

XXXXXX

4.0471

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0587960620

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

368.37

XXXXXX

4.2607

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0473579242

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2592.5

XXXXXX

3.9094

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0461714176

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9937

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0522153499

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4250.64

XXXXXX

3.8339

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

Complete

0986343815

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1249

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0773567689

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1794.3

XXXXXX

3.9084

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0623828482

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3640.88

XXXXXX

3.9057

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0246490273

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1140

XXXXXX

4.0457

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0675523513

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1140

XXXXXX

3.9124

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0265473765

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7150

XXXXXX

3.91

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0048624852

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1657.5

XXXXXX

4.035

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0375583544

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.139

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0669191858

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.0359

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

Complete

0811775736

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0276

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0310649298

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

346.9

XXXXXX

3.8972

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0201216775

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1409

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0258004684

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8747

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0876404452

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8747

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0551003277

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9999

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0694908987

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

3.9015

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0533658635

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

443.37

XXXXXX

4.2686

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0917122174

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.0268

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0217252699

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1050

XXXXXX

4.0329

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0852978893

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3575

XXXXXX

3.8951

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0653602580

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0258465872

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0102

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0773577882

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.9015

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0077143678

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.055

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

Complete

0638266015

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2950

XXXXXX

3.8949

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0419534061

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

990

XXXXXX

4.2791

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0410893422

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1247

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0905539149

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.1517

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0526146435

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

78

XXXXXX

3.9997

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0593786139

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.6209

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0777002709

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1795

XXXXXX

3.907

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0659873142

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

971.01

XXXXXX

4.025

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0608216970

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.159

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0542236970

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

65

XXXXXX

3.6336

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0877911312

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

50.45

XXXXXX

3.8803

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0284106257

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0473557007

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.9243

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0903525351

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

3.8759

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0387168276

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8884

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0299292838

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0003

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0878608254

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

807.35

XXXXXX

3.6348

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0611567987

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

3.9034

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0023634811

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.145

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

Complete

0587895180

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9999

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0642653306

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

13433

XXXXXX

3.7836

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0481414401

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

990

XXXXXX

4.0257

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0065848808

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

50

XXXXXX

4.0116

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0599831302

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4378

XXXXXX

3.8976

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0242023875

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1336

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0042711402

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.5388

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0360131921

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5545

XXXXXX

3.9303

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0857797941

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1095

XXXXXX

3.8934

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0232987763

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.0479

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0834258737

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1515.25

XXXXXX

4.3015

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

6313.42

Complete

0290594425

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.875

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

Complete

0962875471

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2385.65

XXXXXX

3.9371

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0040322661

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1095

XXXXXX

4.144

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

ClientComplete

0196450921

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

782.81

XXXXXX

3.9115

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0408372459

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1140

XXXXXX

3.8988

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0378811430

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8627

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0320662342

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0416

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

Complete

0667911287

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2756

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0745219020

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8812

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0352821349

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3150

XXXXXX

4.0388

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0404729966

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1031.62

XXXXXX

4.0211

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0037395348

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1102

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

2291.11

ClientComplete

0775461823

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

586.87

XXXXXX

4.3938

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0064675078

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

10240

XXXXXX

3.6249

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0098076751

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1012.22

XXXXXX

3.8968

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0877257728

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

985

XXXXXX

4.4076

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0409057536

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

3.9127

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0907234161

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.025

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0686608465

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.0371

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0369370925

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1668

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0963265142

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8982

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0012601618

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.9078

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0073169857

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

3.9078

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0338171342

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4565

XXXXXX

3.8738

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0825362700

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9954

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0037588410

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.2709

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0018027626

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2553

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0031856583

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

917

XXXXXX

4.1513

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

Yes

3456.15

Complete

0550644838

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9981

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

11552.48

ClientComplete

0380145167

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1364

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0993953523

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.901

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0717261372

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8818

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0612384361

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0019

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0562435029

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.996

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0635874506

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

515

XXXXXX

3.898

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0304452920

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8825

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0623540460

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1095

XXXXXX

4.144

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0854968185

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1095

XXXXXX

4.0278

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0627620064

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1403

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0903058578

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1457

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0573819928

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1182

XXXXXX

4.2786

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0675371382

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.0303

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0178875464

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6303

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0011975262

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

980.06

XXXXXX

3.898

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0220091938

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

625

XXXXXX

4.136

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0654430625

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0066

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0512381571

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2500

XXXXXX

4.0497

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

2329.4

Complete

0923170915

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0114

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

9164.9

ClientComplete

0205186699

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8749

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0323086540

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0069

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0072010687

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

475

XXXXXX

4.018

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0121814226

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4215

XXXXXX

3.9309

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0734302872

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2690

XXXXXX

3.9127

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0499449192

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1678

XXXXXX

4.1519

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0547736437

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

278

XXXXXX

4.2499

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0519454366

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.0428

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0942015721

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1282

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0402827292

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1721.78

XXXXXX

3.9137

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0351572644

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1423.6

XXXXXX

4.0445

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0856529773

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8827

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0711508889

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.6249

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0955581098

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0405

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0074791866

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

149.6

XXXXXX

4.0066

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0660996863

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1610

XXXXXX

3.9173

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0717271705

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

451

XXXXXX

4.1645

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0806468966

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2582

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0287722214

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1249

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0438450916

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1535

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0015615676

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8749

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0466104492

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0242

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0756929153

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0258

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0808541427

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9063

Employed

Unemployed

Permanent Resident Alien

U.S. Citizen

Yes

2787.71

ClientComplete

0582151661

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2817

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0712761836

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

340

XXXXXX

4.1397

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0108990712

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4996

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0255772044

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1120

XXXXXX

4.1692

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

ClientComplete

0268101730

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0061

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0781608431

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1483

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0081020873

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9997

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0434821227

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.1548

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0694941669

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.0607

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0025931241

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0967102398

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0113

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0458751119

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

915

XXXXXX

4.0309

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0047063166

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6815

XXXXXX

4.1756

Employed

Unemployed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

ClientComplete

0116771282

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

65

XXXXXX

3.9851

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

Complete

0329984103

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

985

XXXXXX

3.8968

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0858423073

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8878

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0076768572

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9999

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0463752631

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1165.94

XXXXXX

3.876

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0946149473

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

50

XXXXXX

3.7517

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0894396186

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0265

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

ClientComplete

0761188894

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2235

XXXXXX

4.0232

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0232782078

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8972

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0673178571

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8875

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0424780066

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8961

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0443593931

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9997

Employed

Unemployed

(No Data)

(No Data)

No

0

Complete

0393046819

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1221

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0768495334

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1070

XXXXXX

3.8986

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0965932383

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

3.9038

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0037903115

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3618.13

XXXXXX

3.7836

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0064103702

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

975

XXXXXX

4.0082

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0104834647

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.249

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0153179307

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3021

XXXXXX

3.9136

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0885837781

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

3.9113

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

6431.17

ClientComplete

0308490700

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8862

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0347604491

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1627.15

XXXXXX

3.9064

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0706222462

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7498

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0278076877

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.1608

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

2047.92

ClientComplete

0701480937

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

315

XXXXXX

3.8911

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0182324620

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8756

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0520324877

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1645

XXXXXX

3.8946

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0449741665

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

230

XXXXXX

3.8965

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0957320562

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.152

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0527882355

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8808

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0943391969

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0082

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0492842120

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1140

XXXXXX

4.1347

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0059750561

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

845

XXXXXX

4.0295

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0198623356

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.2804

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0562050924

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.0315

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0543141934

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

297.5

XXXXXX

4.2655

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0366561147

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0222

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0094392600

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8865

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0698329521

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8748

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0510199528

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9981

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0447316518

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2555

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0742380670

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1629.14

XXXXXX

4.1458

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0782746714

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.2767

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0552339713

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

11095

XXXXXX

3.7872

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0419965117

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0182205318

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.9095

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0166947466

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9999

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

ClientComplete

0128796492

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1670

XXXXXX

4.1531

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

Complete

0406031293

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

896.25

XXXXXX

3.7637

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

ClientComplete

0136622356

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

558.37

XXXXXX

3.9926

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0725047023

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0211316149

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2458

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0294899031

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

920

XXXXXX

4.1617

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0212111315

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

626.87

XXXXXX

4.3989

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0015019535

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0067

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0014293133

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8749

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0821015942

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.0579

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0242975166

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0325

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0932237230

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

513

XXXXXX

4.0097

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0603493435

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8857

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0647450821

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.0142

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

ClientComplete

0690880566

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1315

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0262397850

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3305

XXXXXX

3.8948

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0181021468

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.2748

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0702914997

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1095

XXXXXX

4.022

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

ClientComplete

0334609891

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

10170

XXXXXX

3.8692

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0774371873

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

890

XXXXXX

4.0197

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0240658470

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0247185195

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2156

XXXXXX

4.0387

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0858951157

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1327

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

Complete

0607196369

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7499

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0638856255

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

473.75

XXXXXX

4.0298

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0298446113

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

48.12

XXXXXX

3.8881

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0378140285

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4888

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0131405959

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.999

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0062653660

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

895

XXXXXX

4.2614

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0390237758

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0143

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0073986251

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

426.2

XXXXXX

4.2703

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0157787246

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

12

XXXXXX

4.3884

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0971909691

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.247

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0303552074

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3485

XXXXXX

3.9434

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0143654006

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.1474

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0867929569

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0323

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0263001859

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

190

XXXXXX

4.2678

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0247762325

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4819

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0511914208

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8785

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

ClientComplete

0147057311

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.906

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0251082501

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8801

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0524027806

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2258.6

XXXXXX

3.6535

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0105715403

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1045

XXXXXX

4.1495

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0856625349

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8747

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0413418738

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

190

XXXXXX

3.9134

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0599446850

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

880.53

XXXXXX

4.0048

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0210529810

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.0295

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0592523327

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9999

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0785368596

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1247

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0423142028

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9954

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0436058353

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1520

XXXXXX

4.1514

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0144649071

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1546.9

XXXXXX

4.2794

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0467086752

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

11255

XXXXXX

3.8896

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0671414011

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

186.5

XXXXXX

3.8821

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0397198429

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8741

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0310087816

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

655

XXXXXX

4.0201

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0334182583

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.8873

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0461650624

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.897

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0911983245

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.277

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0711836479

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.0403

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0904053843

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7199

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0838663243

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0181495557

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1800

XXXXXX

3.9188

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

8306.02

ClientComplete

0429706823

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

527.5

XXXXXX

4.1472

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0385763800

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1295

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

8075.62

ClientComplete

0027579213

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

341.25

XXXXXX

4.2599

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0665644821

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.0279

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0526092963

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1427

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0941956191

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4690

XXXXXX

3.9374

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0736646590

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

3.8874

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0323565512

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8583

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0317239311

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1505

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0188683956

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7512

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0987442490

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.0139

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

Complete

0871329913

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

3.9024

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

Complete

0545770439

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1065

XXXXXX

4.0164

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

0797794060

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7414.3

XXXXXX

4.2411

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0888972501

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0029

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0127926602

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2750

XXXXXX

3.7946

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0122478716

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8747

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0852908963

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9999

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0740918592

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

200

XXXXXX

4.2708

Employed

Employed

U.S. Citizen

U.S. Citizen

Yes

11203.63

ClientComplete

0418564687

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

3.9023

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0549501990

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

985

XXXXXX

4.1517

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0363084481

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3180

XXXXXX

3.9399

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

Complete

0427052057

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1260

XXXXXX

3.7641

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0608813187

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.8981

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0344097908

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5908

XXXXXX

4.1178

Employed

(No Data)

U.S. Citizen

(No Data)

Yes

9413.48

ClientComplete

0024076265

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0299

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0289642497

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.0276

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0829744080

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

60.06

XXXXXX

4.0002

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0743596711

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9997

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0924563948

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.7264

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0322285411

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7671.81

XXXXXX

3.9915

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0968435943

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

45

XXXXXX

4.2546

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

ClientComplete

0909630137

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.0221

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0807321102

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1070

XXXXXX

4.0324

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0174514190

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

3.9238

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0542530132

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

505

XXXXXX

4.0373

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

ClientComplete

0410849431

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.9832

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

Complete

EX-99.4

Exhibit 99.4

Client Name:	Wells Fargo Bank, N.A.
Client Project Name:	Wells Fargo SEC WFMBS 2018-1
Deal Loan Count:	675
Valuations Summary
Loans in Report:	675

				Origination Values					Automated Valuation Model				Desk Review				Second Desk Review				Field Review				Second Field Review				1004 SFR (Mar 05)				2055 Ext Only (Mar 05)				BPO (Broker Price Opinion)				Other					AUS Information
Seller Loan Number	Original Balance	Sales Price	Value for LTV	Appraised Date	Appraised Value	Review Date	Review Value	Review Type	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Report Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Other - Valuation Type	Report Date	Value	Variance Amount	Variance (%)	CU Score	Valuation Comments	Loan Status
0198490646	XXXXXX	XXXXXX	XXXXXX	03/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0272422234	XXXXXX	XXXXXX	XXXXXX	03/18/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	03/18/2017	XXXXXX	-$90,000.00	-8.26%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0513862414	XXXXXX	XXXXXX	XXXXXX	02/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0985966627	XXXXXX	XXXXXX	XXXXXX	01/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0716482438	XXXXXX	XXXXXX	XXXXXX	02/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0167198960	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0986948686	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0114929666	XXXXXX	XXXXXX	XXXXXX	12/27/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0013596571	XXXXXX	XXXXXX	XXXXXX	01/29/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0969469206	XXXXXX	XXXXXX	XXXXXX	02/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0463263080	XXXXXX	XXXXXX	XXXXXX	02/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0876486933	XXXXXX	XXXXXX	XXXXXX	03/22/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0971371565	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0416108152	XXXXXX	XXXXXX	XXXXXX	02/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	-$165,000.00	-7.28%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0557539715	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0455200064	XXXXXX	XXXXXX	XXXXXX	02/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0843639626	XXXXXX	XXXXXX	XXXXXX	04/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/30/2017	XXXXXX	-$25,000.00	-3.60%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0776953326	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0106638645	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0691536502	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0865326988	XXXXXX	XXXXXX	XXXXXX	01/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0415988250	XXXXXX	XXXXXX	XXXXXX	02/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	-$20,000.00	-1.72%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0100323938	XXXXXX	XXXXXX	XXXXXX	01/30/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0222073206	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0423671696	XXXXXX	XXXXXX	XXXXXX	02/14/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0374580899	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0786970259	XXXXXX	XXXXXX	XXXXXX	02/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0753632678	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0783427138	XXXXXX	XXXXXX	XXXXXX	03/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0101562027	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0078651891	XXXXXX	XXXXXX	XXXXXX	03/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0341290749	XXXXXX	XXXXXX	XXXXXX	03/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0867373975	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0057032617	XXXXXX	XXXXXX	XXXXXX	01/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0268546227	XXXXXX	XXXXXX	XXXXXX	12/21/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0172557232	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0988469610	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0204723075	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0056645247	XXXXXX	XXXXXX	XXXXXX	03/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0319257717	XXXXXX	XXXXXX	XXXXXX	02/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0761901278	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0190683104	XXXXXX	XXXXXX	XXXXXX	02/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0824523290	XXXXXX	XXXXXX	XXXXXX	11/29/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0599862905	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0902751308	XXXXXX	XXXXXX	XXXXXX	02/22/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0727384843	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0845727985	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0311732264	XXXXXX	XXXXXX	XXXXXX	01/25/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0643935149	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0600158732	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0478995585	XXXXXX	XXXXXX	XXXXXX	01/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0596929830	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0085663199	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0065725568	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0031852602	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0430373345	XXXXXX	XXXXXX	XXXXXX	01/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0861362987	XXXXXX	XXXXXX	XXXXXX	02/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0094409512	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0337802318	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	03/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0662145898	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0532491109	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0022741255	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0917051480	XXXXXX	XXXXXX	XXXXXX	12/05/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0559567916	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0309677731	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0728724851	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0459963628	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$33.00	0.01%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0253882113	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0059231634	XXXXXX	XXXXXX	XXXXXX	12/21/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0815033209	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	-$170,000.00	-28.33%		$0.00	$0.00	0.00%	05/01/2017	XXXXXX	$1,000.00	0.17%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%	Reconciliation	06/05/2017	XXXXXX	$1,000.00	0.17%	(No Data)	XXXXXX	Complete
0529178417	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	-$10,000.00	-1.14%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0902448126	XXXXXX	XXXXXX	XXXXXX	02/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0484741858	XXXXXX	XXXXXX	XXXXXX	03/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0889075729	XXXXXX	XXXXXX	XXXXXX	03/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0624956874	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0472590841	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0927122674	XXXXXX	XXXXXX	XXXXXX	11/30/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0973107614	XXXXXX	XXXXXX	XXXXXX	03/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0696430338	XXXXXX	XXXXXX	XXXXXX	03/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/17/2017	XXXXXX	-$211.00	-0.03%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0600379898	XXXXXX	XXXXXX	XXXXXX	12/17/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0821457719	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0702523610	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0081972063	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0238560685	XXXXXX	XXXXXX	XXXXXX	12/20/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0961297152	XXXXXX	XXXXXX	XXXXXX	01/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0356814269	XXXXXX	XXXXXX	XXXXXX	02/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0376779553	XXXXXX	XXXXXX	XXXXXX	01/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	-$15,500.00	-1.84%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0247615349	XXXXXX	XXXXXX	XXXXXX	10/27/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0411144370	XXXXXX	XXXXXX	XXXXXX	03/09/2017	XXXXXX		XXXXXX	Full Appraisal		$0.00	$0.00	0.00%	04/19/2017	XXXXXX	-$75,000.00	-9.20%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0149761540	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0978296825	XXXXXX	XXXXXX	XXXXXX	01/18/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0373903413	XXXXXX	XXXXXX	XXXXXX	01/31/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0111275216	XXXXXX	XXXXXX	XXXXXX	02/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0600752102	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0403516503	XXXXXX	XXXXXX	XXXXXX	03/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0083025693	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0852948087	XXXXXX	XXXXXX	XXXXXX	02/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0352056311	XXXXXX	XXXXXX	XXXXXX	01/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0291974633	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0104031291	XXXXXX	XXXXXX	XXXXXX	12/20/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0022460253	XXXXXX	XXXXXX	XXXXXX	01/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0356069864	XXXXXX	XXXXXX	XXXXXX	12/06/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0389914585	XXXXXX	XXXXXX	XXXXXX	12/21/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0811028667	XXXXXX	XXXXXX	XXXXXX	01/12/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0214395498	XXXXXX	XXXXXX	XXXXXX	01/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0382119029	XXXXXX	XXXXXX	XXXXXX	04/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0550863845	XXXXXX	XXXXXX	XXXXXX	01/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0581078467	XXXXXX	XXXXXX	XXXXXX	11/21/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0118954527	XXXXXX	XXXXXX	XXXXXX	11/28/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0654630168	XXXXXX	XXXXXX	XXXXXX	12/14/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	-$50,000.00	-3.33%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0222426472	XXXXXX	XXXXXX	XXXXXX	03/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0610529858	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0280660533	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0006517460	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0137030363	XXXXXX	XXXXXX	XXXXXX	11/08/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	-$24,000.00	-2.07%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0506584465	XXXXXX	XXXXXX	XXXXXX	02/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	-$990,000.00	-100.00%		$0.00	$0.00	0.00%	05/01/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0563605078	XXXXXX	XXXXXX	XXXXXX	12/09/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0857113702	XXXXXX	XXXXXX	XXXXXX	11/28/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0429136736	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0782569039	XXXXXX	XXXXXX	XXXXXX	02/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0516681132	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0704889234	XXXXXX	XXXXXX	XXXXXX	12/19/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0466205829	XXXXXX	XXXXXX	XXXXXX	12/16/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0981504604	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	-$70,000.00	-8.86%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0568471615	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0257730327	XXXXXX	XXXXXX	XXXXXX	12/23/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0171423524	XXXXXX	XXXXXX	XXXXXX	04/18/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0112177010	XXXXXX	XXXXXX	XXXXXX	12/09/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0708956123	XXXXXX	XXXXXX	XXXXXX	03/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0599093146	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0636482348	XXXXXX	XXXXXX	XXXXXX	02/04/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0514841423	XXXXXX	XXXXXX	XXXXXX	12/19/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0396510063	XXXXXX	XXXXXX	XXXXXX	01/18/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0524014745	XXXXXX	XXXXXX	XXXXXX	01/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0675492823	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0373002764	XXXXXX	XXXXXX	XXXXXX	12/17/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0938591853	XXXXXX	XXXXXX	XXXXXX	03/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	-$2,000.00	-0.35%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0032209440	XXXXXX	XXXXXX	XXXXXX	12/23/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0492815225	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0014695945	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0784673495	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0714114345	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0422638517	XXXXXX	XXXXXX	XXXXXX	12/12/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0447226719	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0114815267	XXXXXX	XXXXXX	XXXXXX	01/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0694516740	XXXXXX	XXXXXX	XXXXXX	04/18/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0234016044	XXXXXX	XXXXXX	XXXXXX	01/31/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0807728116	XXXXXX	XXXXXX	XXXXXX	01/11/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/21/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0571861525	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0248112584	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0583480065	XXXXXX	XXXXXX	XXXXXX	01/30/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0971636256	XXXXXX	XXXXXX	XXXXXX	01/26/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0022402831	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0531739101	XXXXXX	XXXXXX	XXXXXX	02/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0519807589	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0416031356	XXXXXX	XXXXXX	XXXXXX	12/06/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0900449798	XXXXXX	XXXXXX	XXXXXX	01/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0364392314	XXXXXX	XXXXXX	XXXXXX	01/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0052525843	XXXXXX	XXXXXX	XXXXXX	02/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0974107324	XXXXXX	XXXXXX	XXXXXX	03/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$75,000.00	13.64%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0271155123	XXXXXX	XXXXXX	XXXXXX	12/05/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0993336234	XXXXXX	XXXXXX	XXXXXX	03/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0252702162	XXXXXX	XXXXXX	XXXXXX	03/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0943993233	XXXXXX	XXXXXX	XXXXXX	01/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/21/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0409570095	XXXXXX	XXXXXX	XXXXXX	01/12/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0826049529	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	-$20,000.00	-2.27%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0924722350	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0141281544	XXXXXX	XXXXXX	XXXXXX	01/18/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0484774077	XXXXXX	XXXXXX	XXXXXX	03/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/06/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0986241330	XXXXXX	XXXXXX	XXXXXX	03/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0077767030	XXXXXX	XXXXXX	XXXXXX	01/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0037675837	XXXXXX	XXXXXX	XXXXXX	02/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0914993984	XXXXXX	XXXXXX	XXXXXX	01/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0881498003	XXXXXX	XXXXXX	XXXXXX	02/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	02/16/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0772851758	XXXXXX	XXXXXX	XXXXXX	01/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0297933455	XXXXXX	XXXXXX	XXXXXX	01/30/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0152790510	XXXXXX	XXXXXX	XXXXXX	01/30/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0162603387	XXXXXX	XXXXXX	XXXXXX	01/26/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0286688537	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0971072166	XXXXXX	XXXXXX	XXXXXX	01/25/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0471215130	XXXXXX	XXXXXX	XXXXXX	01/18/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0174347186	XXXXXX	XXXXXX	XXXXXX	02/03/2017	XXXXXX		XXXXXX	Field Review		$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0717944526	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/21/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0271974437	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/26/2017	XXXXXX	-$85,000.00	-12.88%		$0.00	$0.00	0.00%	06/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0865726448	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0641387035	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0499290107	XXXXXX	XXXXXX	XXXXXX	02/26/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0984113789	XXXXXX	XXXXXX	XXXXXX	02/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0543517325	XXXXXX	XXXXXX	XXXXXX	01/25/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	01/31/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0742116449	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0063998455	XXXXXX	XXXXXX	XXXXXX	02/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0419691171	XXXXXX	XXXXXX	XXXXXX	01/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/21/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0611933989	XXXXXX	XXXXXX	XXXXXX	02/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0260022542	XXXXXX	XXXXXX	XXXXXX	01/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/21/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0795648384	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0804858638	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0437313321	XXXXXX	XXXXXX	XXXXXX	01/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0081625185	XXXXXX	XXXXXX	XXXXXX	01/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0660899105	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0355589186	XXXXXX	XXXXXX	XXXXXX	01/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0834019415	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0870886021	XXXXXX	XXXXXX	XXXXXX	03/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0101425828	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0301417482	XXXXXX	XXXXXX	XXXXXX	02/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0041347460	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0194464519	XXXXXX	XXXXXX	XXXXXX	02/14/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/23/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0537398583	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/23/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0561305152	XXXXXX	XXXXXX	XXXXXX	02/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0943293533	XXXXXX	XXXXXX	XXXXXX	01/26/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0621922920	XXXXXX	XXXXXX	XXXXXX	01/30/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0255207432	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0207703098	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/21/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0779645708	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0975606133	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0746696438	XXXXXX	XXXXXX	XXXXXX	02/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0386076695	XXXXXX	XXXXXX	XXXXXX	01/29/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0338559128	XXXXXX	XXXXXX	XXXXXX	02/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0171354974	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0088431306	XXXXXX	XXXXXX	XXXXXX	02/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0430928190	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0086915007	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0941264462	XXXXXX	XXXXXX	XXXXXX	02/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0995314686	XXXXXX	XXXXXX	XXXXXX	01/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	-$1,050,000.00	-100.00%		$0.00	$0.00	0.00%	05/25/2017	XXXXXX	-$120,000.00	-11.43%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%	Reconciliation	06/05/2017	XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0202316746	XXXXXX	XXXXXX	XXXXXX	12/22/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0462557385	XXXXXX	XXXXXX	XXXXXX	02/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0006562199	XXXXXX	XXXXXX	XXXXXX	01/25/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0879329509	XXXXXX	XXXXXX	XXXXXX	01/18/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0485847750	XXXXXX	XXXXXX	XXXXXX	01/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0483461224	XXXXXX	XXXXXX	XXXXXX	01/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0740753131	XXXXXX	XXXXXX	XXXXXX	03/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0593442659	XXXXXX	XXXXXX	XXXXXX	01/26/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0776613258	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0908352435	XXXXXX	XXXXXX	XXXXXX	02/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0791523283	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0603383650	XXXXXX	XXXXXX	XXXXXX	03/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0172832997	XXXXXX	XXXXXX	XXXXXX	01/26/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0679932837	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0133788274	XXXXXX	XXXXXX	XXXXXX	01/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0223534277	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/01/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0269398584	XXXXXX	XXXXXX	XXXXXX	03/05/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0830016774	XXXXXX	XXXXXX	XXXXXX	05/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0544573523	XXXXXX	XXXXXX	XXXXXX	02/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0568077651	XXXXXX	XXXXXX	XXXXXX	01/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0213256472	XXXXXX	XXXXXX	XXXXXX	03/04/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0918551815	XXXXXX	XXXXXX	XXXXXX	12/21/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0536703114	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0184927653	XXXXXX	XXXXXX	XXXXXX	12/30/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0425499704	XXXXXX	XXXXXX	XXXXXX	02/04/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0422359722	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0876973685	XXXXXX	XXXXXX	XXXXXX	01/18/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0125680037	XXXXXX	XXXXXX	XXXXXX	02/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0076501399	XXXXXX	XXXXXX	XXXXXX	04/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0561211383	XXXXXX	XXXXXX	XXXXXX	01/31/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0203936506	XXXXXX	XXXXXX	XXXXXX	01/30/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0346861741	XXXXXX	XXXXXX	XXXXXX	12/27/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0657173319	XXXXXX	XXXXXX	XXXXXX	01/31/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0768000690	XXXXXX	XXXXXX	XXXXXX	01/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0996838302	XXXXXX	XXXXXX	XXXXXX	02/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0106678316	XXXXXX	XXXXXX	XXXXXX	03/14/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0207747354	XXXXXX	XXXXXX	XXXXXX	02/25/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0437964641	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0337854044	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0707715288	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0833277651	XXXXXX	XXXXXX	XXXXXX	02/22/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0428282147	XXXXXX	XXXXXX	XXXXXX	02/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0108921471	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0431414921	XXXXXX	XXXXXX	XXXXXX	02/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0848813629	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0550561592	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0987475707	XXXXXX	XXXXXX	XXXXXX	02/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0621360461	XXXXXX	XXXXXX	XXXXXX	02/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0349220317	XXXXXX	XXXXXX	XXXXXX	02/14/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0595813475	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0673760116	XXXXXX	XXXXXX	XXXXXX	02/05/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0516014297	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0246454537	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0532118355	XXXXXX	XXXXXX	XXXXXX	03/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0221966057	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0644056829	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0437155707	XXXXXX	XXXXXX	XXXXXX	02/22/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0614391228	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0004354646	XXXXXX	XXXXXX	XXXXXX	03/29/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0351751602	XXXXXX	XXXXXX	XXXXXX	01/25/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0486881119	XXXXXX	XXXXXX	XXXXXX	02/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0066177384	XXXXXX	XXXXXX	XXXXXX	02/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0281539416	XXXXXX	XXXXXX	XXXXXX	03/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0637339007	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0192596650	XXXXXX	XXXXXX	XXXXXX	02/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0992393698	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0919797752	XXXXXX	XXXXXX	XXXXXX	02/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0122358720	XXXXXX	XXXXXX	XXXXXX	12/17/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0736692798	XXXXXX	XXXXXX	XXXXXX	02/14/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0656019685	XXXXXX	XXXXXX	XXXXXX	02/04/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0093027658	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0686066259	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0837284068	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0691772828	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0479287110	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0034624014	XXXXXX	XXXXXX	XXXXXX	02/11/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	-$5,000.00	-0.68%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0725409766	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0615242038	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0650274431	XXXXXX	XXXXXX	XXXXXX	02/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0650841653	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0562338142	XXXXXX	XXXXXX	XXXXXX	02/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0190582086	XXXXXX	XXXXXX	XXXXXX	02/14/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0579247270	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0101856594	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0908843858	XXXXXX	XXXXXX	XXXXXX	02/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0798541927	XXXXXX	XXXXXX	XXXXXX	02/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	-$610,000.00	-100.00%		$0.00	$0.00	0.00%	06/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0120859899	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0438999994	XXXXXX	XXXXXX	XXXXXX	04/05/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0927271363	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0993922484	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0989914124	XXXXXX	XXXXXX	XXXXXX	02/14/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0469244388	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0933327597	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0952469643	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0784047464	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0699908676	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0154401508	XXXXXX	XXXXXX	XXXXXX	02/26/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0248538953	XXXXXX	XXXXXX	XXXXXX	03/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0796193717	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/21/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0360601850	XXXXXX	XXXXXX	XXXXXX	03/19/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0502602092	XXXXXX	XXXXXX	XXXXXX	02/11/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0374421846	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0869481114	XXXXXX	XXXXXX	XXXXXX	02/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0683114526	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0193755715	XXXXXX	XXXXXX	XXXXXX	02/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0598685650	XXXXXX	XXXXXX	XXXXXX	03/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/28/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0786998716	XXXXXX	XXXXXX	XXXXXX	02/12/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0633279453	XXXXXX	XXXXXX	XXXXXX	02/12/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0654583614	XXXXXX	XXXXXX	XXXXXX	02/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0007389455	XXXXXX	XXXXXX	XXXXXX	02/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0820462922	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0785069162	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0692374956	XXXXXX	XXXXXX	XXXXXX	02/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0364783811	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0161867778	XXXXXX	XXXXXX	XXXXXX	02/22/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0435440048	XXXXXX	XXXXXX	XXXXXX	03/11/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0519423392	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0156684006	XXXXXX	XXXXXX	XXXXXX	02/11/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0900651110	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0457764944	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0955632555	XXXXXX	XXXXXX	XXXXXX	02/11/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0141645623	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0316042140	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0178078106	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0028020179	XXXXXX	XXXXXX	XXXXXX	02/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0963507581	XXXXXX	XXXXXX	XXXXXX	02/14/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0844112514	XXXXXX	XXXXXX	XXXXXX	01/26/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0965962450	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0912101231	XXXXXX	XXXXXX	XXXXXX	02/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0782207148	XXXXXX	XXXXXX	XXXXXX	01/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0560805918	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0745515331	XXXXXX	XXXXXX	XXXXXX	01/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	-$1,549,999.00	-100.00%		$0.00	$0.00	0.00%	05/01/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0534430664	XXXXXX	XXXXXX	XXXXXX	04/18/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/25/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0999482846	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0639132140	XXXXXX	XXXXXX	XXXXXX	02/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0814349617	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0594120880	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0921791902	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0867330631	XXXXXX	XXXXXX	XXXXXX	03/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0571215050	XXXXXX	XXXXXX	XXXXXX	01/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0899467081	XXXXXX	XXXXXX	XXXXXX	02/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0275842043	XXXXXX	XXXXXX	XXXXXX	02/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0025719445	XXXXXX	XXXXXX	XXXXXX	01/31/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0849961955	XXXXXX	XXXXXX	XXXXXX	02/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0652256234	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/21/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0820524455	XXXXXX	XXXXXX	XXXXXX	01/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0924008021	XXXXXX	XXXXXX	XXXXXX	01/31/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0053041317	XXXXXX	XXXXXX	XXXXXX	01/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0287071065	XXXXXX	XXXXXX	XXXXXX	02/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/21/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0371331609	XXXXXX	XXXXXX	XXXXXX	04/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0933118945	XXXXXX	XXXXXX	XXXXXX	01/30/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0099141155	XXXXXX	XXXXXX	XXXXXX	01/19/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0344521960	XXXXXX	XXXXXX	XXXXXX	01/30/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0330342532	XXXXXX	XXXXXX	XXXXXX	01/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0733068263	XXXXXX	XXXXXX	XXXXXX	02/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0999987149	XXXXXX	XXXXXX	XXXXXX	02/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0628460031	XXXXXX	XXXXXX	XXXXXX	02/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0530867323	XXXXXX	XXXXXX	XXXXXX	03/11/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0090619573	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0555708554	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0865182578	XXXXXX	XXXXXX	XXXXXX	02/14/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0053075634	XXXXXX	XXXXXX	XXXXXX	02/22/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0587960620	XXXXXX	XXXXXX	XXXXXX	01/30/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0473579242	XXXXXX	XXXXXX	XXXXXX	01/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0461714176	XXXXXX	XXXXXX	XXXXXX	03/14/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0522153499	XXXXXX	XXXXXX	XXXXXX	03/19/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0986343815	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0773567689	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0623828482	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0246490273	XXXXXX	XXXXXX	XXXXXX	02/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0675523513	XXXXXX	XXXXXX	XXXXXX	02/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0265473765	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0048624852	XXXXXX	XXXXXX	XXXXXX	03/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0375583544	XXXXXX	XXXXXX	XXXXXX	01/30/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0669191858	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0811775736	XXXXXX	XXXXXX	XXXXXX	03/30/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0310649298	XXXXXX	XXXXXX	XXXXXX	03/22/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0201216775	XXXXXX	XXXXXX	XXXXXX	01/30/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0258004684	XXXXXX	XXXXXX	XXXXXX	03/31/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0876404452	XXXXXX	XXXXXX	XXXXXX	03/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0551003277	XXXXXX	XXXXXX	XXXXXX	01/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0694908987	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0533658635	XXXXXX	XXXXXX	XXXXXX	02/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0917122174	XXXXXX	XXXXXX	XXXXXX	03/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0217252699	XXXXXX	XXXXXX	XXXXXX	03/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0852978893	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0653602580	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0258465872	XXXXXX	XXXXXX	XXXXXX	02/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0773577882	XXXXXX	XXXXXX	XXXXXX	01/30/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/21/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0077143678	XXXXXX	XXXXXX	XXXXXX	03/14/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0638266015	XXXXXX	XXXXXX	XXXXXX	01/30/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0419534061	XXXXXX	XXXXXX	XXXXXX	01/29/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0410893422	XXXXXX	XXXXXX	XXXXXX	01/30/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0905539149	XXXXXX	XXXXXX	XXXXXX	02/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0526146435	XXXXXX	XXXXXX	XXXXXX	02/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0593786139	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0777002709	XXXXXX	XXXXXX	XXXXXX	03/22/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0659873142	XXXXXX	XXXXXX	XXXXXX	01/25/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0608216970	XXXXXX	XXXXXX	XXXXXX	01/19/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0542236970	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0877911312	XXXXXX	XXXXXX	XXXXXX	01/25/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/07/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0284106257	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	03/14/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0473557007	XXXXXX	XXXXXX	XXXXXX	02/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0903525351	XXXXXX	XXXXXX	XXXXXX	02/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0387168276	XXXXXX	XXXXXX	XXXXXX	01/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0299292838	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0878608254	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0611567987	XXXXXX	XXXXXX	XXXXXX	02/26/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0023634811	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0587895180	XXXXXX	XXXXXX	XXXXXX	02/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0642653306	XXXXXX	XXXXXX	XXXXXX	02/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0481414401	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0065848808	XXXXXX	XXXXXX	XXXXXX	02/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0599831302	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0242023875	XXXXXX	XXXXXX	XXXXXX	02/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0042711402	XXXXXX	XXXXXX	XXXXXX	03/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0360131921	XXXXXX	XXXXXX	XXXXXX	03/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0857797941	XXXXXX	XXXXXX	XXXXXX	02/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0232987763	XXXXXX	XXXXXX	XXXXXX	02/04/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0834258737	XXXXXX	XXXXXX	XXXXXX	02/05/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0290594425	XXXXXX	XXXXXX	XXXXXX	03/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/21/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0962875471	XXXXXX	XXXXXX	XXXXXX	02/14/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0040322661	XXXXXX	XXXXXX	XXXXXX	02/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0196450921	XXXXXX	XXXXXX	XXXXXX	02/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0408372459	XXXXXX	XXXXXX	XXXXXX	02/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	-$1,030,000.00	-100.00%		$0.00	$0.00	0.00%	05/26/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0378811430	XXXXXX	XXXXXX	XXXXXX	02/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0320662342	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0667911287	XXXXXX	XXXXXX	XXXXXX	02/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	-$60,000.00	-8.33%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0745219020	XXXXXX	XXXXXX	XXXXXX	02/22/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0352821349	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0404729966	XXXXXX	XXXXXX	XXXXXX	02/25/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0037395348	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	-$20,000.00	-2.38%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0775461823	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0064675078	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0098076751	XXXXXX	XXXXXX	XXXXXX	04/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0877257728	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0409057536	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0907234161	XXXXXX	XXXXXX	XXXXXX	02/25/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/08/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0686608465	XXXXXX	XXXXXX	XXXXXX	03/12/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$6,137.00	0.69%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0369370925	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0963265142	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/26/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0012601618	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0073169857	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0338171342	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0825362700	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	-$54,000.00	-6.29%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0037588410	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0018027626	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0031856583	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0550644838	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0380145167	XXXXXX	XXXXXX	XXXXXX	03/14/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0993953523	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0717261372	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0612384361	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0562435029	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0635874506	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0304452920	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0623540460	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0854968185	XXXXXX	XXXXXX	XXXXXX	02/26/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0627620064	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0903058578	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0573819928	XXXXXX	XXXXXX	XXXXXX	03/04/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0675371382	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	-$775,000.00	-100.00%		$0.00	$0.00	0.00%	05/01/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0178875464	XXXXXX	XXXXXX	XXXXXX	02/22/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0011975262	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0220091938	XXXXXX	XXXXXX	XXXXXX	03/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0654430625	XXXXXX	XXXXXX	XXXXXX	02/25/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0512381571	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0923170915	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0205186699	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	-$10,000.00	-0.66%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0323086540	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0072010687	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0121814226	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0734302872	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0499449192	XXXXXX	XXXXXX	XXXXXX	01/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0547736437	XXXXXX	XXXXXX	XXXXXX	03/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0519454366	XXXXXX	XXXXXX	XXXXXX	03/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0942015721	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	-$100,000.00	-4.65%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0402827292	XXXXXX	XXXXXX	XXXXXX	02/22/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0351572644	XXXXXX	XXXXXX	XXXXXX	02/22/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0856529773	XXXXXX	XXXXXX	XXXXXX	03/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0711508889	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0955581098	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0074791866	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0660996863	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0717271705	XXXXXX	XXXXXX	XXXXXX	04/12/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0806468966	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0287722214	XXXXXX	XXXXXX	XXXXXX	02/19/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0438450916	XXXXXX	XXXXXX	XXXXXX	03/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0015615676	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0466104492	XXXXXX	XXXXXX	XXXXXX	02/22/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0756929153	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0808541427	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0582151661	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	-$597,000.00	-100.00%		$0.00	$0.00	0.00%	05/26/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0712761836	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0108990712	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0255772044	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0268101730	XXXXXX	XXXXXX	XXXXXX	03/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0781608431	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0081020873	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0434821227	XXXXXX	XXXXXX	XXXXXX	03/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0694941669	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0025931241	XXXXXX	XXXXXX	XXXXXX	02/25/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0967102398	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0458751119	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0047063166	XXXXXX	XXXXXX	XXXXXX	03/04/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0116771282	XXXXXX	XXXXXX	XXXXXX	03/04/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0329984103	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	-$12,000.00	-1.64%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0858423073	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0076768572	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0463752631	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0946149473	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0894396186	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0761188894	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0232782078	XXXXXX	XXXXXX	XXXXXX	03/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0673178571	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0424780066	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0443593931	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0393046819	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0768495334	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0965932383	XXXXXX	XXXXXX	XXXXXX	03/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0037903115	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0064103702	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0104834647	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0153179307	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0885837781	XXXXXX	XXXXXX	XXXXXX	03/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0308490700	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0347604491	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0706222462	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0278076877	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0701480937	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0182324620	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0520324877	XXXXXX	XXXXXX	XXXXXX	03/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0449741665	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0957320562	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0527882355	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0943391969	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0492842120	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0059750561	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0198623356	XXXXXX	XXXXXX	XXXXXX	02/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0562050924	XXXXXX	XXXXXX	XXXXXX	02/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0543141934	XXXXXX	XXXXXX	XXXXXX	03/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/30/2017	XXXXXX	-$62,500.00	-9.26%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0366561147	XXXXXX	XXXXXX	XXXXXX	01/25/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0094392600	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0698329521	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0510199528	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0447316518	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0742380670	XXXXXX	XXXXXX	XXXXXX	03/04/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0782746714	XXXXXX	XXXXXX	XXXXXX	02/22/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0552339713	XXXXXX	XXXXXX	XXXXXX	03/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0419965117	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0182205318	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0166947466	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0128796492	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0406031293	XXXXXX	XXXXXX	XXXXXX	03/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0136622356	XXXXXX	XXXXXX	XXXXXX	02/25/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0725047023	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/04/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0211316149	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	-$25,000.00	-1.38%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0294899031	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0212111315	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0015019535	XXXXXX	XXXXXX	XXXXXX	03/04/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$75,000.00	12.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0014293133	XXXXXX	XXXXXX	XXXXXX	03/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	-$10,000.00	-1.20%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0821015942	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0242975166	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0932237230	XXXXXX	XXXXXX	XXXXXX	03/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0603493435	XXXXXX	XXXXXX	XXXXXX	02/23/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0647450821	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0690880566	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0262397850	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0181021468	XXXXXX	XXXXXX	XXXXXX	11/18/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0702914997	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0334609891	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0774371873	XXXXXX	XXXXXX	XXXXXX	02/18/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0240658470	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0247185195	XXXXXX	XXXXXX	XXXXXX	03/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0858951157	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/04/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0607196369	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0638856255	XXXXXX	XXXXXX	XXXXXX	02/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0298446113	XXXXXX	XXXXXX	XXXXXX	02/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0378140285	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0131405959	XXXXXX	XXXXXX	XXXXXX	02/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0062653660	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0390237758	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0073986251	XXXXXX	XXXXXX	XXXXXX	03/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0157787246	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0971909691	XXXXXX	XXXXXX	XXXXXX	02/25/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0303552074	XXXXXX	XXXXXX	XXXXXX	02/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0143654006	XXXXXX	XXXXXX	XXXXXX	03/17/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0867929569	XXXXXX	XXXXXX	XXXXXX	03/04/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0263001859	XXXXXX	XXXXXX	XXXXXX	03/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0247762325	XXXXXX	XXXXXX	XXXXXX	02/14/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0511914208	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0147057311	XXXXXX	XXXXXX	XXXXXX	02/14/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0251082501	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0524027806	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0105715403	XXXXXX	XXXXXX	XXXXXX	02/18/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0856625349	XXXXXX	XXXXXX	XXXXXX	02/20/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0413418738	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0599446850	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0210529810	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0592523327	XXXXXX	XXXXXX	XXXXXX	02/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/21/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0785368596	XXXXXX	XXXXXX	XXXXXX	02/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0423142028	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0436058353	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0144649071	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0467086752	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0671414011	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0397198429	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0310087816	XXXXXX	XXXXXX	XXXXXX	03/12/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0334182583	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0461650624	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0911983245	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/24/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0711836479	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0904053843	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0838663243	XXXXXX	XXXXXX	XXXXXX	02/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0181495557	XXXXXX	XXXXXX	XXXXXX	02/27/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0429706823	XXXXXX	XXXXXX	XXXXXX	02/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0385763800	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0027579213	XXXXXX	XXXXXX	XXXXXX	02/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0665644821	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0526092963	XXXXXX	XXXXXX	XXXXXX	03/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0941956191	XXXXXX	XXXXXX	XXXXXX	03/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0736646590	XXXXXX	XXXXXX	XXXXXX	03/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0323565512	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0317239311	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0188683956	XXXXXX	XXXXXX	XXXXXX	03/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0987442490	XXXXXX	XXXXXX	XXXXXX	02/28/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0871329913	XXXXXX	XXXXXX	XXXXXX	03/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0545770439	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0797794060	XXXXXX	XXXXXX	XXXXXX	03/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0888972501	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0127926602	XXXXXX	XXXXXX	XXXXXX	03/11/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/08/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0122478716	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0852908963	XXXXXX	XXXXXX	XXXXXX	03/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0740918592	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0418564687	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0549501990	XXXXXX	XXXXXX	XXXXXX	03/11/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0363084481	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	-$45,000.00	-4.52%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete
0427052057	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/12/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0608813187	XXXXXX	XXXXXX	XXXXXX	12/23/2016	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	-$47,500.00	-7.48%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0344097908	XXXXXX	XXXXXX	XXXXXX	03/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0024076265	XXXXXX	XXXXXX	XXXXXX	03/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0289642497	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0829744080	XXXXXX	XXXXXX	XXXXXX	03/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0743596711	XXXXXX	XXXXXX	XXXXXX	03/09/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0924563948	XXXXXX	XXXXXX	XXXXXX	03/13/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0322285411	XXXXXX	XXXXXX	XXXXXX	03/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	-$905,000.00	-100.00%		$0.00	$0.00	0.00%	05/01/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0968435943	XXXXXX	XXXXXX	XXXXXX	03/08/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0909630137	XXXXXX	XXXXXX	XXXXXX	03/06/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0807321102	XXXXXX	XXXXXX	XXXXXX	03/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0174514190	XXXXXX	XXXXXX	XXXXXX	03/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0542530132	XXXXXX	XXXXXX	XXXXXX	03/10/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	04/19/2017	XXXXXX	-$40,000.00	-4.49%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	ClientComplete
0410849431	XXXXXX	XXXXXX	XXXXXX	03/16/2017	XXXXXX		XXXXXX			$0.00	$0.00	0.00%	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			XXXXXX	$0.00	0.00%	(No Data)	XXXXXX	Complete

EX-99.5

Exhibit 99.5

Client Name:	Wells Fargo Bank, N.A.
Client Project Name:	Wells Fargo SEC WFMBS 2018-1
Deal Loan Count:	675
Conditions Report 2.0
Loans in Report:	675
Loans with Conditions:	528

237 - Total Active Conditions
	237 - Non-Material Conditions
		131 - Credit Review Scope
			7 - Category: Application
			19 - Category: Assets
			27 - Category: Credit/Mtg History
			16 - Category: DTI
			36 - Category: Income/Employment
			8 - Category: Legal Documents
			7 - Category: LTV/CLTV
			11 - Category: Terms/Guidelines
		8 - Property Valuations Review Scope
			1 - Category: Appraisal
			1 - Category: FEMA
			6 - Category: Property
		98 - Compliance Review Scope
			2 - Category: Borrower's Interest
			8 - Category: Compliance Manual
			2 - Category: Documentation
			22 - Category: Federal Consumer Protection
			1 - Category: Repayment Ability
			4 - Category: State Consumer Protection
			59 - Category: TILA/RESPA Integrated Disclosure
982 - Total Satisfied Conditions
		333 - Credit Review Scope
			2 - Category: Ability to Repay/Qualified Mortgage
			39 - Category: Application
			35 - Category: Assets
			48 - Category: Credit/Mtg History
			30 - Category: DTI
			88 - Category: Income/Employment
			27 - Category: Insurance
			37 - Category: Legal Documents
			7 - Category: LTV/CLTV
			1 - Category: Potential Misrepresentation
			14 - Category: Terms/Guidelines
			5 - Category: Title
		211 - Property Valuations Review Scope
			128 - Category: Appraisal
			45 - Category: FEMA
			28 - Category: Property
			10 - Category: Value
		438 - Compliance Review Scope
			57 - Category: Ability to Repay/Qualified Mortgage
			14 - Category: Compliance Manual
			64 - Category: Documentation
			96 - Category: RESPA
			18 - Category: Right of Rescission
			3 - Category: State Consumer Protection
			1 - Category: State Late Charges
			1 - Category: Texas Home Equity
			184 - Category: TILA/RESPA Integrated Disclosure
111 - Total Waived Conditions
		111 - Compliance Review Scope
			104 - Category: Federal Consumer Protection
			7 - Category: TILA/RESPA Integrated Disclosure

©2018 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

Client Name:	Wells Fargo Bank, N.A.
Client Project Name:	Wells Fargo SEC WFMBS 2018-1
Deal Loan Count:	675
Conditions Report 2.0
Loans in Report:	675
Loans with Conditions:	528

Loan Number

Original Principal Balance

State

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

Loan Status

0198490646

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Assets

Active

B

B

CB

CB

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Missing documents to support borrower has sufficient liquid assets for closing; Borrowers are short required assets by $160,269.61. Final CD shows EMD $66,081; file contained evidence $25,000 emd has cleared borrowers' account. File contains $125548.89 wire receipt. Need source of funds.

5.8.17 Client provided copy of xxx statement showing source of funds, however file is still missing proof of liquidation of sufficient funds to close.

5.8.17 Exception remains. Clayton grades as non-material B grade due to borrower having $915,953.67 in verified reserves.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 credit score; minimum required is 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers owned departure residence 12.41 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 20 years.

Complete

0272422234

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in her profession for 11 years CFCFS1747: Housing expense increase is 10% or less - Clayton Comments: Borrowers exited rental paying $4400 per month. New mortgage payment is $4745.46 with taxes and insurance. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers have low DTI at 24.31, well below max of 43%.

Complete

0513862414

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support the appraised value of $xxxxxx

4.19.17 Desk Review received valued at $xxxxxx dated 4/19/17, value supported.

4.19.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 784. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been at current job for 17.6 years CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers at current residence for 9.2 years.

Client Complete

0985966627

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

N/A

A

N/A

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing verification of PITIA expenses for other REO at xxx; file contained HO6 insurance $43.58/month; missing property taxes and HOA fees.

5.24.2017 - Lender provided the Taxes and HOA Fees for xxx.

5.24.2017 - Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.80% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.48% is below the GL maximum of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $465,439.23 or 111.20 months PITI reserves; per guidelines, 12 months PITIA required.

Client Complete

0985966627

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer’s name on the Note, Mortgage, and the 1003 is xxx. The NMLS database verified the loan officer’s name as xzxx. The Reg-Z requirement is for the Originator’s name to match the NMLS website exactly.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception..

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.80% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.48% is below the GL maximum of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $465,439.23 or 111.20 months PITI reserves; per guidelines, 12 months PITIA required.

Client Complete

0985966627

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of PITIA expenses for other REO at xxx; file contained HO6 insurance $43.58/month; missing property taxes and HOA fees.

5.24.2017 - Lender provided the Taxes and HOA Fees for xxx.

5.24.2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.80% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.48% is below the GL maximum of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $465,439.23 or 111.20 months PITI reserves; per guidelines, 12 months PITIA required.

Client Complete

0985966627

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing desk review to support value of $xxxxxx.

5.20.17 Desk Review received valued at $xxxxxx dated 5/20/17, value supported.

5.20.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.80% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.48% is below the GL maximum of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $465,439.23 or 111.20 months PITI reserves; per guidelines, 12 months PITIA required.

Client Complete

0716482438

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer’s name on the Note, Mortgage, and the 1003 is xxx. The NMLS database verified the loan officer’s name as xxx. The Reg-Z requirement is for the Originator’s name to match the NMLS website exactly.

7.7.17 Client acknowledged waiver of exact name matches on NMLS.

7.10.17 Final Grade B. Exception is non-material as only variance is middle initial.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified assets of $558,398.02; total cash required for closing is $299,645.13 with reserves of $258,752.89; per guidelines, 12 months subject PITI reserves required or $93,150.60. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.52%; max per guidelines is 43%.

Complete

0167198960

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

(No Data)

Client Complete

0986948686

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Provide P and L and Balance sheet for XXX.

4.28.17 Client provided signed 2016 tax returns supporting income.

4.28.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at job for 8.25 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been at job for xxx years.

Complete

0986948686

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID website shows name as XXX

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at job for 8.25 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been at job for xxx years.

Complete

0986948686

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC2488

Verbal verification of employment missing

No

Lender to obtain a Verbal Verification of Employment within 20 business days prior to the date printed on the note for xxx and within 30 calendar days prior to the date printed on the note for xxx.

4.28.17 Client provided a VVOE dated within 10 days of note date for Borrower 2.

4.28.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at job for 8.25 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been at job for xxx years.

Complete

0986948686

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC3258

Missing Profit and Loss statement for one or more Self Employed borrowers

No

Missing Profit and Loss statement for the XXX self-employed business XXX.

4.28.17 Client provided signed 2016 tax returns supporting income.

4.28.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at job for 8.25 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been at job for xxx years.

Complete

0986948686

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC3260

Balance Sheet missing for one or more Self Employed borrowers

No

Missing Balance Sheet for the XXX self-employed business XXX.

4.28.17 Client provided signed 2016 tax returns supporting income

4.28.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at job for 8.25 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been at job for xxx years.

Complete

0114929666

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

B

A

D

B

CD

CB

VD

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of Homeowners counseling organizations missing from file

5.24.2017 - Lender provided the List of Homeowners Counseling Organizations

5.24.2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has xxx years xxx months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of xxx exceeds Program Guidelines of xxx . CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of xxx% is below Program Guidelines of xxx% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of xxx % is below Program Guidelines of xxx% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has xxx years xxx months at the current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has xxx years in their profession.

Complete

0114929666

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

B

A

D

B

CD

CB

VD

VA

RB

RA

Credit

Credit/Mtg History

Active

D

B

CD

CB

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Missing VOR supporting documentation for the period from xxx to xxx.

(No Data)

After further review by Senior Underwriter, exception is non material. Guidelines allow UW discretion for the number of months provided for verification of rent. 46.45% LTV and under 30% DTI.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has xxx years xxx months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of xxx exceeds Program Guidelines of xxx . CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of xxx% is below Program Guidelines of xxx% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of xxx % is below Program Guidelines of xxx% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has xxx years xxx months at the current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has xxx years in their profession.

Complete

0114929666

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

B

A

D

B

CD

CB

VD

VA

RB

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing desk review to support value of xxx

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has xxx years xxx months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of xxx exceeds Program Guidelines of xxx . CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of xxx% is below Program Guidelines of xxx% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of xxx % is below Program Guidelines of xxx% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has xxx years xxx months at the current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has xxx years in their profession.

Complete

0013596571

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 782. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9 years in current employment. CFCFS1736: Significant time at current residence - Clayton Comments: 13.23 years at current residence.

Client Complete

0969469206

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

CA

CA

VA

VA

RC

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

RC

RA

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

(No Data)

5.24.27 - Evidence of delivery provided.

5.24.17 - Exception satsified.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 67.30 months PITIA reserves exceeds guideline requirement of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.75% DTI is below guideline maximum of 43%.

Client Complete

0463263080

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing Homeownership Counseling list.

5.15.17- HOC list provided

5.15.17- Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 42 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 representative score exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 15 years in current profession.

Complete

0463263080

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing service providers list.

5.15.17-SPL provided

5.15.17- Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 42 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 representative score exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 15 years in current profession.

Complete

0463263080

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

$187.60 Ten Percent Tolerance due to increase in recording fee from Loan Estimate to Final CD without a valid change of circumstance documented in the file. Final CD provides cure. Downgraded and satisfied non-material.

(No Data)

5.15.15 Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 42 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 representative score exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 15 years in current profession.

Complete

0876486933

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

All CDs in file, Other Cost section, Recording Fees field - missing itemized recording amount.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified post closing reserves of $721,178.89 or 97.58 months subject PITIA; per guidelines, 12 months PITIA required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked for the same employer for over 20 years.

Complete

0971371565

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing desk review to support value

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 9.67 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 credit score; minimum required is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $xxxxxxxxxx months PITI reserves. Guidelines require12 months.

Client Complete

0416108152

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

CA

CA

VA

VA

RC

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

RC

RA

CMPTRID3734

TRID Initial CD resets fee tolerance but was delivered, instead of a revised LE, more than 6 business days prior to consummation (Black Hole Issue).

No

0% Tolerance fee increased between LE xx/xx/xxxx and CD xx/xx/xxxx by $51.76. The Fee that increased without valid documentation is the Credit Report Fee.

5.24.17 Client rebuttal The Credit Report Fee increased on 3/13/17 in the amount of $51.88 without a valid Change Circumstance; however, the increase was covered by the $51.88 Over Tolerance Cure located in Section J of the consummation CD. However, the tolerance cure on the consummation CD was $656.98 with no breakdown in file for how much of the credit was to be utilized for finance charges. Provide documentation of how much of credit to be applied towards finance charge fees.6.1.17 - Lender provided a breakdown of the credit and $51.88 was applied to the 0% tolerance fees.

6.1.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 credit score exceeds 720 mid score

Client Complete

0416108152

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

CA

CA

VA

VA

RC

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxxxxx.

4.19.2017 Desk review received valued at $xxxxxx dated 4/18/17, within tolerance.

4.19.2017 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 credit score exceeds 720 mid score

Client Complete

0557539715

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

B

B

B

B

B

CB

CB

VB

VB

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% tolerance fee increase between LE xxx and CD xxx by $100. The fee that was added without valid documentation is the HOA Info Certification fee. Lender included a credit of $100 on the same CD for the increase.

(No Data)

4/20/2017: Exception satisfied as non-material since the tolerance error was corrected on a subsequent CD.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit with very little debt outstanding on credit report.

Complete

0557539715

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

B

B

B

B

B

CB

CB

VB

VB

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

10% tolerance fee increase between LE xxx and CD xxx by $33.10. The fee that increased without valid documentation is the Recording-Mortgage fee. Lender included a credit of $33.10 on the same CD for the increase.

(No Data)

4/20/2017: Exception satisfied as non-material since the tolerance error was corrected on a subsequent CD.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit with very little debt outstanding on credit report.

Complete

0557539715

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

B

B

B

B

B

CB

CB

VB

VB

RB

RB

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Missing prior 12 month rental history for borrower per guidelines; VOR/cancelled checks missing on departure residence.

5.26.17 - Lender states "Monthly rental history was documented with xxx account statements; payments to xxx. Payment(s) to include rent and utilities. Also credit supports the mortgage history prior to renting reflecting 33 months paid as agreed. * Waiving the VOR is not allowed, but judgment regarding the number of months of payments verified is allowed." File contains approximately 15 months xxx states however amounts vary (some payments are less than $100), several months are missing (5/2016 & 11/2016) and no documentation verifying these are rent payments.

5.26.17 exception remains. Clayton views the exception non-material B due to the fact the borrower has 33 months of 0x30 mortgage history on credit report and excellent credit score of 784.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit with very little debt outstanding on credit report.

Complete

0557539715

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

B

B

B

B

B

CB

CB

VB

VB

RB

RB

Credit

DTI

Active

B

B

CB

CB

CRDDTI105

Debt Ratio Exception 5% or Less

No

Current housing ratio is 40.55%; max housing ratio (front-end) per guidelines is 36%.

5.26.17 - Lender states "Underwriting has discretion to exceed 36% housing ratio if adequate consideration is given to compensating factors. Compensating factors to include large down payment, borrower has demonstrated an ability to accumulate savings and a conservative attitude toward the use of credit, excellent mortgage history, borrower has the ability to devote a greater portion of income to housing expenses, borrower receives documented income not reflected in qualifying income." However, exception is valid but a non-material exception.

5.26.17 exception remains. Clayton views the exception as non-material B as borrower has additional bonus income not used to qualify of $3,000 monthly.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit with very little debt outstanding on credit report.

Complete

0557539715

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

B

B

B

B

B

CB

CB

VB

VB

RB

RB

Property Valuations

Property

Active

B

B

VB

VB

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

HOA questionnaire provided in file but notes that if the unit is taken over in foreclosure or deed-in-lieu that the mortgage lender is responsible for delinquent HOA dues requiring an exception. Underwriting Summary notes that per state look up, exception required in California. Underwriting Summary also notes that exception is within xxx authority and approved by xxx underwriter.

5.23.17 Client response LVAM approved exception, Condominium - Mortgagee responsible for > 6 months HOA dues in the event of foreclosure or deed in lieu of foreclosure. This exception approved by xxx. There are no marketability concerns. Marketing time is under 3 months, property value is stable. DOM for subject is 34 days. Value is supported. See compensating factors above. While the exception is valid, it is non material.

5.23.17 Exception remains.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit with very little debt outstanding on credit report.

Complete

0455200064

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The median credit score of 781 is 101 more points than minimum required score of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 96 months reviewed 0x30; the minimum required by guidelines is 24 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 20.67% is 22.33% points below the maximum permitted of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 45.92%; maximum permitted is 80%.

Complete

0843639626

XXXXXX

IA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.36% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $271,639.71 or 68.77 months reserves. 12 months required. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 20 years.

Complete

0776953326

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH183

Credit report incomplete

No

Credit report dated 2.1.17 is missing pages with credit scores and liabilities. File does have expired credit report dated 6.3.16

4.28.17 Client provided credit report dated 2.1.17

4.28.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 27.67%, the maximum DTI is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves is $XXX or 75.83 months PITI reserve.

Client Complete

0106638645

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is only 34.36%. Max per guidelines is 43%. DTI exceeds guideline requirements by 8.64 percent CFCFS1734: Borrower has significant time at current job - Clayton Comments: Co Borrower has been at current job over 13 years

Client Complete

0691536502

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is only 33.24%. Max per guidelines is 43%. DTI exceeds guideline requirements by 9.76 percent. CFCFS2860: Good credit history - Clayton Comments: Credit report reflects no lates in a 24 month period. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 756.

Client Complete

0865326988

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

CPA Letter in file is Dated xxx; Note Date is xxx.

05.04.17 Lender provided a rebuttal advising that per the Wells Fargo Feed back cert no additional information was required for the self employed borrower therefore the CPA letter was not needed. However, per the guidelines the CPA letter is required and does not address the Wells Fargo feed back cert having the ability to override the guides.

05.04.17 Exception remains.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 12.11%. Maximum is 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been Self Employed for 5.96 years.

Complete

0415988250

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

CC

CA

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

C

A

CC

CA

CRDCRMH148

Credit report stale dated at closing

No

Credit report is dated 07/06/2016. Note is dated xx/xx/xxxx, docs must not be over 120 days from date of loan. Updated credit report in file dated 1.12.17 is missing pages including credit scores

4.28.17 Client provided credit report dated 1.12.17

4.28.17 Exception satisfied

(No Data)

Not Applicable

(No Data)

Client Complete

0100323938

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer for 9 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with current employer for the past 10years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 796 exceeded the guideline requirement of 680 by 116 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 29.57, max allowed is 43%

Client Complete

0222073206

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD xx/xx/xxxx Loan Coasts - Section B- Charges listed didn't have a payee. This was corrected on subsequent CD xx/xx/xxxx CD xx/xx/xxxx Loan Coasts - Section C- Charges listed didn't have a payee. This was corrected on subsequent CD xx/xx/xxxx

(No Data)

4/19/17 - Non numeric material Exception Satisfied.

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 765 exceeded the guideline requirement of 680 by 85 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for the past 6 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with current employer for the past 8 years CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 39.99, max allowed is 43%

Client Complete

0423671696

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD xx/xx/xxxx is Incomplete. All Sections are Completed and Formatted Correctly on Subsequent CD xx/xx/xxxx.Non-numeric material error satisfied.

(No Data)

Exception satisfied

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Cash Reserves of $XXX or 84.33 months of PITIA reserves. Guidelines require 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 54.55% is below the guideline requirement of 80%. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Co-borrower has additional documented income not used in qualifying. Hours vary throughout the year, 2016 W2 = $5,892/mo.

Client Complete

0374580899

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD's issued xx/xx/xxxx missing Payee for Tax Service in Section B Loan Costs. Error is Corrected on Subsequent CD xx/xx/xxxx

(No Data)

4/24/17 - Exception Satisfied.

Hybrid

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower has significant job tenure with current employer. Both bwrs have substantial work experience in their respective professions. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers provided additional accts that were not included in reserves.

Client Complete

0786970259

XXXXXX

DE

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 30.12%. Guideline maximum is 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on job over 7 years per VOE.

Client Complete

0753632678

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 772, minimum required is 680 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been self employed as an XXX for over 18 years.

Client Complete

0783427138

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing desk review to support value of xxxxxx.

5.20.17 Desk Review received valued at $xxxxxx dated 5.20.17, value supported.

5.20.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 797. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25.49% is below Program Guidelines of 43.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in their profession.Co-Borrower has 20 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 115 months PITI reserves; guidelines require 6 months

Client Complete

0101562027

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

1. Missing 2015 1120 or proof of ext (Conditioned for by UW but not in file) 2. Missing cancelled checks for properties on XXX and XXX Only copies of checks where provided and none of the asset stmts provided showed them clearing the borrowers account 3. Missing updated lease for XXX provided is dated 2007

5.22.17 Lender provided bank statements and cancelled checks for XXX and XXX showing deposits matching up. Also provided rental increase letters & UW summary which doesn't request 2015 1120 or proof of ext, Lease is month to month

5.22.17 Exception satisfied

(No Data)

Not Applicable

(No Data)

Client Complete

0101562027

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

1. Missing 2015 1120 or proof of ext (Conditioned for by UW but not in file) 2. Missing cancelled checks for properties on XXX and XXX. Only copies of checks where provided and none of the asset stmts provided showed them clearing the borrowers account 3. Missing updated lease for XXX provided is dated 2007

5.22.17 Lender provided bank statements and cancelled checks for XXX and XXX showing deposits matching up. Also provided rental increase letters & UW summary which doesn't request 2015 1120 or proof of ext, lease is month to month

5.22.17 Exception satisfied

(No Data)

Not Applicable

(No Data)

Client Complete

0078651891

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for over 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico score 759 exceeds guidelines requirements of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: The loan closed with an DTI of 38.05% and the max LTV was 43%.

Client Complete

0341290749

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

CC

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS has middle name, or shortened first name and last name only.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.50% LTV is 29.50% less than the maximum program LTV of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 339.47 months PITI reserves. 12 months PITI required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.05% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for 11.56 years.

Client Complete

0341290749

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

CC

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

$29.88 Zero Tolerance due to increase in credit report fee from loan estimate to final CD without a valid change of circumstance documented in the file.Final CD provides Cure.Downgraded and satisfied non-material.

(No Data)

Exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.50% LTV is 29.50% less than the maximum program LTV of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 339.47 months PITI reserves. 12 months PITI required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.05% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for 11.56 years.

Client Complete

0341290749

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

CC

CA

VA

VA

RB

RB

Credit

Insurance

Satisfied

C

A

CC

CA

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Total dwelling coverage of $480,000 is insufficient to cover the loan amount of $XXX and the estimated cost to rebuild from the appraisal of $XXX.

5.24.17 - Lender provided Hazard on subject with 120% extended limits

5.24.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.50% LTV is 29.50% less than the maximum program LTV of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 339.47 months PITI reserves. 12 months PITI required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.05% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for 11.56 years.

Client Complete

0867373975

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

$14.94 Zero Tolerance due to increase in credit report fee without a valid change of circumstance. Cure provided on final CD.Downgraded and satisfied non-material.

(No Data)

4.26.17 Exception satisfied. Cure provided on final CD. Downgraded and satisfied non-material

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 777 exceeds the minimum of 680 CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been at current job for 18 years

Client Complete

0867373975

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

$8.10 Ten Percent Tolerance due to increase in recording fee from loan estimate to final CD without a documented change of circumstance. Cure provided on Final Cd.Downgraded and satisfied non-material.

(No Data)

"4.26.17 Exception satisfied. Cure provided on final CD. Downgraded and satisfied non-material. "

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 777 exceeds the minimum of 680 CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been at current job for 18 years

Client Complete

0057032617

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Appraisal was made subject to and Completion report was not in file.

4.28.17 Client provided completion certification

4.28.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%. The maximum is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $XXX or 25.55 months of PITIA reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 800.

Client Complete

0057032617

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

FEMA Disaster Declaration date is 4/1/2017, Effective date 2/23/17 due to Severe Winter Storms, Flooding, and Mudslides. The transaction date is xx/xx/xxxx

5.13.17 Post Disaster Inspection confirm no damages to property.

5.13.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%. The maximum is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $XXX or 25.55 months of PITIA reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 800.

Client Complete

0268546227

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Credit

Application

Satisfied

B

A

CB

CA

CRDAPP157

Application Not Signed by Primary Borrower

No

Final signed 1003 is not legible, file does have unsigned copy

05.03.17 Lender provided a copy of the final 1003 signed by borrower and co borrower.

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 credit score. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 33.71%; guideline maximum is 43%.

Client Complete

0268546227

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Credit

Application

Satisfied

B

A

CB

CA

CRDAPP227

Application Not Signed by Co-Borrower

No

Final signed 1003 is not legible, file does contain unsigned copy.

05.03.17 Lender provided a copy of the final 1003 signed by borrower and co borrower.

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 credit score. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 33.71%; guideline maximum is 43%.

Client Complete

0172557232

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer’s name on the Note, Mortgage, and the 1003 is XXX. The NMLS database verified the loan officer’s name as XXX. The Reg-Z requirement is for the Originator’s name to match the NMLS website exactly.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 credit score exceeds minimum guideline requirement of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: 50% LTV below maximum guideline requirement of 80%.

Client Complete

0172557232

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Property Valuations

Property

Satisfied

N/A

A

N/A

VA

PRVAPROP241

Property Type unacceptable under guidelines

No

43% Of Units in project sold is less than minimum 70% required per guidelines.

5.4.17 Client rebuttal states no defect found for property. However file is missing Condo Questionare or evidence of project approval 05.23.17 Lender provided a copy of the Condo Project Approval dated 03.29.17

05.23.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 credit score exceeds minimum guideline requirement of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: 50% LTV below maximum guideline requirement of 80%.

Client Complete

0988469610

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

CB

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing documentation to complete the ATR/QM status determination review: 1). Missing evidence of PITI for XXX property for further evaluation of rental income or evidence of sale. 2). Missing evidence of PITI for XXX for further evaluation of rental income or evidence of sale. (XXX is on 1003 and XXX is on tax returns).

5/11/2017 - Lender provided PITI for XXX property and XXX

5/11/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 57.87 months post closing cash reserves available. 12 months PITI reserves required for the subject property and 6 months PITI reserves required for XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 787 exceeds the GL min of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 23.91%, maximum DTI allowed is 43%.

Client Complete

0988469610

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

CB

CA

VA

VA

RD

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing the homeowners counseling list.

5/9/17: Lender provided sufficient Homeowners Counseling List.

5/9/17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 57.87 months post closing cash reserves available. 12 months PITI reserves required for the subject property and 6 months PITI reserves required for XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 787 exceeds the GL min of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 23.91%, maximum DTI allowed is 43%.

Client Complete

0988469610

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

CB

CA

VA

VA

RD

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing the written list of service providers.

5/9/17: Lender provided list of providers.

5/9/17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 57.87 months post closing cash reserves available. 12 months PITI reserves required for the subject property and 6 months PITI reserves required for XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 787 exceeds the GL min of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 23.91%, maximum DTI allowed is 43%.

Client Complete

0988469610

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

CB

CA

VA

VA

RD

RA

Credit

DTI

Satisfied

B

A

CB

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

1). Missing evidence of PITI for XXX property for further evaluation of rental income or evidence of sale. 2). Missing evidence of PITI for XXX for further evaluation of rental income or evidence of sale. (XXX is on 1003 and XXX is on tax returns).

5/11/2017 - Lender provided PITI for XXX property and XXX.

5/11/2017 - Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 57.87 months post closing cash reserves available. 12 months PITI reserves required for the subject property and 6 months PITI reserves required for XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 787 exceeds the GL min of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 23.91%, maximum DTI allowed is 43%.

Client Complete

0988469610

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

CB

CA

VA

VA

RD

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support $xxxxxx appraised value.

5.3.17 Desk Review received valued at $xxxxxx dated 5.2.17, value supported.

05/03/2017- Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 57.87 months post closing cash reserves available. 12 months PITI reserves required for the subject property and 6 months PITI reserves required for XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 787 exceeds the GL min of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 23.91%, maximum DTI allowed is 43%.

Client Complete

0204723075

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $67,678.22 or 19.75 months of PITIA reserves. Guidelines require 12 months of reserves after closing/funds to close. Reserves exceeds guideline requirements. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score is 725. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with XXX for the last 5 years and is in a XXX.

Client Complete

0056645247

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Compliance

Compliance Manual

Active

D

B

RD

RB

CMPMAN2954

Missing Initial Escrow

No

Borrower is a First Time Homebuyer and the Final CD shows that Borrower is not escrowing loan.

(No Data)

5.22.17 After further review by Senior Underwriter, exception is non-material due to borrower high credit score and 7 years in profession.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 766, minimum score required is 700. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 10 years.

Complete

0056645247

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Provide List of homeowners counseling organizations as not in file.

5/11/2017 - Lender provided the List of Homeowners Counseling Organizations

5/11/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 766, minimum score required is 700. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 10 years.

Complete

0056645247

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Provide Written List of Providers as not provided.

5/11/2017 - Lender provided the Written List of Providers.

5/11/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 766, minimum score required is 700. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 10 years.

Complete

0056645247

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

Provide unexpired Visa to determine eligible visa classes as not located in the file.

5/12/2017 - Lender provided the I-7979A/1-94 with an expiration date of 5/08/2019.

5/12/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 766, minimum score required is 700. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 10 years.

Complete

0056645247

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Credit

DTI

Active

B

B

CB

CB

CRDDTI105

Debt Ratio Exception 5% or Less

No

.92% front end DTI shortfall. The front end DTI of 36.92% is .92% > than maximum DTI of 36.00%.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 766, minimum score required is 700. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 10 years.

Complete

0056645247

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Credit

LTV/CLTV

Satisfied

C

A

CC

CA

CRDLTV3028

LTV Exceeds Guideline Requirement by 10% or more

No

20.00% LTV shortfall. The LTV of 80.00% is 20.00% > than maximum LTV allowed for Foreign National 60.00%.

5.12.17 Client provided documentation borrower is non permanent resident alien, and not foreign national.

5.12.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 766, minimum score required is 700. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 10 years.

Complete

0319257717

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

CC

CA

VA

VA

RA

RA

Credit

Title

Satisfied

C

A

CC

CA

CRDTIL100

Potential title issue

No

Appraisal shows property as a leasehold, however title shows property as Fee Simple. Please verify and provide corrected appraisal or title as applicable.

7.14.17 Client provided updated title commitment showing property as leasehold.

7.14.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified assets of $704,681.29 and cash required for closing is $443,498.23 leaving reserves of $261,183.06; per guidelines, 12 months PITIA is required or $88,579.08. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.02% DTI; max per guidelines is 43%.

Complete

0761901278

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

A

A

D

A

D

A

CC

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Borrower is short required liquid assets by $XXX. Total required funds are $203,190.30. Verified liquid assets total $XXX. EMD funds of $62,500 are not verified as cleared. Missing 2 months bank statements to support XXX balance of $XXX. Asset printout indicates account was opened 1/19/2017 and a $70,000 transfer from XXX(no acct number disclosed). Provide 2 month asset statement to document and source transferred fund from XXX.

05.03.17 Lender provided 1. LOE for XXX this was a new account funded by the XXX account XXX supporting docs in file. 2. Copy of the gift letter and canceled check ability to donate is not required. Lender provided a copy of bank statements showing EMD payments clearing the XXX account.

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower owned departure residence 5.67 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 784 is 104 points above minimum program requirement of 680.

Client Complete

0761901278

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

A

A

D

A

D

A

CC

CA

VA

VA

RD

RA

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST206

Asset Amounts Are Unsupported by Documentation in File

No

1. Missing 2 months bank statements to support XXX balance of $XXX. Asset printout indicates account was opened 1/19/2017 and a $XXX transfer from XXX (no acct number disclosed). Provide 2 month asset statement to document and source transferred fund from XXX. 2. Missing donor ability for $100K gift.

05.03.17 Lender provided 1. LOE for XXX this was a new account funded by the XXX account XXX supporting docs in file. 2. Copy of the gift letter and canceled check ability to donate is not required.

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower owned departure residence 5.67 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 784 is 104 points above minimum program requirement of 680.

Client Complete

0190683104

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 746 exceeded the guideline requirement of 680 by 66 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 14.57 years with current employer. CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI of 27.64% is 15.36% less than the maximum DTI of 43.00%.

Client Complete

0824523290

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name and suffix, no name variation without middle name and suffix.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 5.6 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 15 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 28.17% is 14.83% < maximum back end DTI of 43.00%.

Complete

0824523290

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

1 month VOR shortfall. Provide verification of 1 month rent payment for current address as the credit report VOR shows history of 11 months and lease statements only provide 8 months.

5/04/2017 - Lender provided the credit report reflecting 11 months of Rental History. Missing 1 month of verification per guidelines.

5/04/2017 - Exception Remains.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 5.6 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 15 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 28.17% is 14.83% < maximum back end DTI of 43.00%.

Complete

0824523290

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Property Valuations

Property

Satisfied

D

A

VD

VA

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Provide the Condo Project Review as not located in the file.

05.03.17 Lender provided a copy of the final condominium project acceptance form dated 02/21/17 for the project named XXX

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 5.6 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 15 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 28.17% is 14.83% < maximum back end DTI of 43.00%.

Complete

0599862905

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

(No Data)

Client Complete

0902751308

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Provide Final CD for sale of XXX or Provide taxes, insurance, and HOA documentation. Included PITIA per 1003 to qualify.

05.03.17 Lender provided a copy of the mortgage statement for the XXX showing the PITIA payment of $776.81 Per month.

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 786. CFCFS1744: DTI below guideline requirement - Clayton Comments: Current DTI 27% is below max guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments: Current LTV 80% is below max guidelines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers total post-closing reserves is 21 months

Client Complete

0727384843

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC191

Missing Mortgage

No

Missing fully executed Deed of Trust and PUD Rider. PUD rider not executed and Deed of trust missing pages including signature and notary pages

05.03.17 Lender provided a copy of the DOT dated 03.29.17 completed with PUD rider and all signature pages signed.

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: Current DTI 16% is below max guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers combined fico of 792 exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments: Current LTV 70.21% is below max guidelines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves is $XXX or 173 months piti

Client Complete

0845727985

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

C

A

CA

CA

VA

VA

RC

RA

CFCFS2854: Significant time in profession - Clayton Comments: Borrower have been employed 24 years in the same profession CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit history with no derogatory history, no public records and all trade lines paid as agreed for the last 24+ months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in the primary residence for the last 7+ years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 809. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $XXX or 33.30 months PITI Reserves.

Client Complete

0311732264

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

N/A

A

N/A

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Provide pages 1-6 of credit report dated 1.11.17

05.03.17 Lender provided a complete copy of the CBR dated 01/11/2017.

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 15 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.81%.

Complete

0311732264

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Missing the required 12 month housing history to verify 0x30. File contains bank statements confirming payment of $2150 to xxx for 2/16-5/16, 12/16-2/17 but need lease to verify and 6/16-10/16 payment history.

5.23.17 Client provided rebuttal stating VOR stating 11 months paid as agreed and underwriters have discretion for number of months verified. However, the missing 5 months is deemed necessary to make a credit decision.

5.23.17 Exception remains. Clayton views exception as non-material due to high credit score of 796, 58.99 months PITI reserves verified in file, and previous mortgage history reporting 59 months of 0x30.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 15 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.81%.

Complete

0311732264

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH183

Credit report incomplete

No

Credit report 1/11/2017 is missing pages 1 through 6. Upon receipt will require update of credit scores and current open debts.

05.03.17 Lender provided a complete copy of the CBR dated 01/11/2017.

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 15 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.81%.

Complete

0311732264

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support the appraised value of $xxx

4.17.17 Desk review received valued at $xxx dated 4/17/17, value supported.

4.17.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 15 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.81%.

Complete

0643935149

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

CD

CA

VB

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Provide 10-2016 and 11-2016 cancelled checks to verify rental history

4.28.17 Client provided copies of bank statements documenting rental payments for 10-2016 and 11-2016.

4.28.17 Exception satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative Credit Score is 750.

Client Complete

0643935149

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

CD

CA

VB

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster: Declaration Date: 4/1/2017; Effective Date: 2/23/2017 Public Severe Winter Storms, Flooding, and Mudslides Severe Winter Storms, Flooding, and Mudslides xxxxx. Appraisal Dated 2/13/2017.

5.4.17 Client rebuttal states customer was part of public declaration not a private declaration and guidelines only relate to individual assistance declaration. However, a post disaster inspection is required. 5.9.17 Post Disaster Inspection provided reflecting no damage.

5.9.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative Credit Score is 750.

Client Complete

0600158732

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been the same profession for 9.20 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32.95%; guideline maximum is 43%.

Client Complete

0478995585

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Loan Originator name on NMLS License includes first, middle and last name and file documents include middle initial.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 15.63 months PITI cash reserves available. 12 months required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 23 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 23 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 757. Minimum required is 680.

Client Complete

0596929830

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 25yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 25yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves is $176,310.64 or 61.68 months PITI CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 800. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 48.65%

Client Complete

0085663199

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

C

B

D

B

CD

CA

VA

VA

RC

RB

Compliance

Federal Consumer Protection

Waived

C

B

RC

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officers name on the Note, Mortgage, and the 1003 is xxx. The NMLS database verified the loan officers name as xxx and xxx. The Reg-Z requirement is for the Originators name to match the NMLS website exactly.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception. Exception is non-material as only variance is middle name is not spelled out.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 785 exceeds Program Guidelines of 680. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has 7 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified post closing reserves of $348,558.75 or 51.94 months PITI; per guidelines, 12 months PITI reserves is required.

Client Complete

0085663199

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

C

B

D

B

CD

CA

VA

VA

RC

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file.

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 785 exceeds Program Guidelines of 680. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has 7 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified post closing reserves of $348,558.75 or 51.94 months PITI; per guidelines, 12 months PITI reserves is required.

Client Complete

0085663199

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

C

B

D

B

CD

CA

VA

VA

RC

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Service Providers not provided.

5/15/17 - Lender provided SPL disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 785 exceeds Program Guidelines of 680. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has 7 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified post closing reserves of $348,558.75 or 51.94 months PITI; per guidelines, 12 months PITI reserves is required.

Client Complete

0085663199

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

C

B

D

B

CD

CA

VA

VA

RC

RB

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Provide xxxxx

5/16/2017 - Lender provided the xxxxx.

5/16/2017 - Excpeption Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 785 exceeds Program Guidelines of 680. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has 7 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified post closing reserves of $348,558.75 or 51.94 months PITI; per guidelines, 12 months PITI reserves is required.

Client Complete

0085663199

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

C

B

D

B

CD

CA

VA

VA

RC

RB

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing desk review to support value of $xxx.

5.2.17 Desk Review received valued at $xxx dated 5.2.17, value supported.

5.2.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 785 exceeds Program Guidelines of 680. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has 7 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified post closing reserves of $348,558.75 or 51.94 months PITI; per guidelines, 12 months PITI reserves is required.

Client Complete

0065725568

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

CB

CB

VD

VA

RA

RA

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2488

Verbal verification of employment missing

No

Missing verbal verification of employment dated within 20 days of the note date for Borrower2.

5.28.17 lender rebuttal Borrowers are self employed and per XXX doc matrix a VVOE is not required. Attached XXX feedback cert does not request a VVOE.

5.28.17 Per guidelines for self employed must be verified thru 3rd party. Supporting documentation verifying the existence of the business; Secretary of State website; Regulatory agency; Contractor or professional organization; CPA; or Other available resources. Must be within 30 Days from closing. Exception remains

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 15.41%; max allowed DTI per guidelines is 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 67.52%; max allowed LTV per guidelines is 80%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been an XXX at XXX for over 9 years.

Complete

0065725568

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

CB

CB

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing 3rd party valuation supporting the original appraised value $xxx.

5.20.17 Desk Review received valued at $xxxxxx dated 5.20.17, value supported.

5.20.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 15.41%; max allowed DTI per guidelines is 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 67.52%; max allowed LTV per guidelines is 80%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been an XXX at XXX for over 9 years.

Complete

0031852602

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

B

A

B

A

CB

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file.

5/10/17: Lender provided Homeowners Counseling List.

5/10/17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 17 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 801 exceeds minimum required 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.29% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $XXX or 261.87 months PITI reserves. Guidelines require 12 months.

Client Complete

0031852602

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

B

A

B

A

CB

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided Please provide

5/10/17: Lender provided service provider list.

5/10/17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 17 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 801 exceeds minimum required 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.29% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $XXX or 261.87 months PITI reserves. Guidelines require 12 months.

Client Complete

0031852602

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

B

A

B

A

CB

CA

VA

VA

RB

RA

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Missing the VOR for the XXX address

05.19.2017 - Lender responded that Departure residence at XXX, XXX sold on XXX per closing statement in file. Lender's loan system indicates borrowers began residing at XXX on 03/09/2017 and are living rent free. Subject property loan closing date is XXX so borrowers resided rent free for less than one month. Prior mortgage on XXX rated on credit report 51 months; no additional documentation is required. Settlement statement in file for departure dated 02/27/2017. Application does not disclose rental payments for the XXX address.

05.19.2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 17 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 801 exceeds minimum required 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.29% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $XXX or 261.87 months PITI reserves. Guidelines require 12 months.

Client Complete

0031852602

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

B

A

B

A

CB

CA

VA

VA

RB

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing desk review to support value of $xxxxxx.

5.3.17 Desk Review received valued at $xxxxxx dated 5.3.17, value supported.

5.3.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 17 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 801 exceeds minimum required 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.29% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $XXX or 261.87 months PITI reserves. Guidelines require 12 months.

Client Complete

0430373345

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers has owned current residence for over 28yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 37yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 36yrs.Co Borrower has been in current profession for 28yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has been with current employer for over 28yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 196 months PITI reserves available. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower qualifying mid-score is 801. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 22.53%, maximum per guidelines is 43%.

Client Complete

0861362987

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

CC

CB

VA

VA

RA

RA

Credit

Credit/Mtg History

Active

C

B

CC

CB

CRDCRMH2662

Number of mortgaged properties exceeds guideline limit

No

Borrower has five financed properties. When the subject is a second home the maximum financed properties allowed is four.

Lender's exception approval in file.

After further review by a Senior Underwriter, exception is non material. Borrower has 802 credit score, 142 months PITI reserves and this is for the purchase of a second home. Borrower has history of owning multiple financed properties with no late payments. Borrower almost has sufficient reserves to pay cash for the purchase of the property.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been at current job for 11 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 802 exceeds the minimum of 680

Complete

0094409512

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 13.29%, the maximum DTI is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 709, the minimum score is 680.

Client Complete

0337802318

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2550

Missing HUD-1 from sale of property

No

Missing final HUD-1 from sale of the departing residence xxx needed for funds to close. Estimated HUD in file, need final.

7.7.17 Client rebuttal stated property was sold but would not close before this transaction so exclude funds from assets and include housing expense. Excluded the funds from the sale out of assets and borrower has sufficient reserves. Housing expense already included in DTI.

7.7.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 23.07% is below guideline maximum 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 credit score; minimum required is 720. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 5.25 years.

Complete

0662145898

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 35.28%; max allowed DTI per guidelines is 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 771; minimum require credit score per guidelines is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $174,199.24 (EMD $10K + CTC $164,199.24). Statements in file support assets of $474,162.52 with reserves of $295,724.83 exceeding the 12 month PITIA required reserves of $43,895.28 ($3,657.94x12)

Client Complete

0532491109

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

B

A

D

A

CA

CA

VD

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file. Please provide

5.8.17 Client provided List of Homeowners Counseling Organizations

5.8.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 9.33 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 797. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.08% is below Program Guidelines of 43.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 13 years. CFCFS1746: Significant housing expense reduction - Clayton Comments: Borrower has reduced monthly housing expenses by $1,443.46. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $122,760.11 or 35.12 months PITI reserves. Guidelines require 12 months.

Client Complete

0532491109

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

B

A

D

A

CA

CA

VD

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided. Please provide

5.8.17 Client provided Written List of Providers

5.8.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 9.33 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 797. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.08% is below Program Guidelines of 43.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 13 years. CFCFS1746: Significant housing expense reduction - Clayton Comments: Borrower has reduced monthly housing expenses by $1,443.46. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $122,760.11 or 35.12 months PITI reserves. Guidelines require 12 months.

Client Complete

0532491109

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

B

A

D

A

CA

CA

VD

VA

RB

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing desk review to support value of $xxxxxx.

5.3.17 Desk Review received valued at $xxxxxx dated 5.2.17, value supported.

5.3.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 9.33 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 797. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.08% is below Program Guidelines of 43.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 13 years. CFCFS1746: Significant housing expense reduction - Clayton Comments: Borrower has reduced monthly housing expenses by $1,443.46. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $122,760.11 or 35.12 months PITI reserves. Guidelines require 12 months.

Client Complete

0022741255

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

Credit

Legal Documents

Satisfied

N/A

A

N/A

CA

CRDLGL2550

Missing HUD-1 from sale of property

No

Provide the fully executed signed Seller's CD for the sale of XXX as the additional pages after the CD are blank.

05.03.17 Lender provided a copy of the Seller's CD for prop located at XXX executed copy.

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 credit score exceeds guideline minimum of 680 by 96 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 84.31 months reserves exceeds guideline requirement of 12 months.

Client Complete

0917051480

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Per NMLS Consumer Access Website, Individual Originator XXX is XXX and not other names.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 29 months post closing cash reserves available, 12 months are required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower representative score of 784 exceeds the GL requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years in current job.

Client Complete

0559567916

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

C

B

RC

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officers name on the Note, Mortgage, and the 1003 is xxx. The NMLS database verified the loan officers name as xxx, xxx, xxx and xxx. The Reg-Z requirement is for the Originators name to match the NMLS website exactly.

5.10.17 Client xxx waive issues related to exact name matches on NMLS.

5.10.17 Final Grade B. Exception is non-material as only variance is middle name is not spelled out.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years 8 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 783 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.17% is below Program Guidelines of 43.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 33.33% is below Program Guidelines of 70.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 years 6 months at the current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 21 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified post closing reserves of $1,395,792.46 or 183.37 months PITI; per guidelines, 12 mo. PITI reserves required.

Complete

0559567916

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file.

05.12.17 Lender provided a copy of the HOCL.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years 8 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 783 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.17% is below Program Guidelines of 43.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 33.33% is below Program Guidelines of 70.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 years 6 months at the current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 21 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified post closing reserves of $1,395,792.46 or 183.37 months PITI; per guidelines, 12 mo. PITI reserves required.

Complete

0559567916

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

Missing Right of Rescission form; same lender refinance, H-9 form is required. .

05.12.17 Lender provided a copy of the H-9 ROR form.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years 8 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 783 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.17% is below Program Guidelines of 43.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 33.33% is below Program Guidelines of 70.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 years 6 months at the current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 21 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified post closing reserves of $1,395,792.46 or 183.37 months PITI; per guidelines, 12 mo. PITI reserves required.

Complete

0559567916

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

Lender included $695 POC fee ($ 17399.13 - $695 = $16704.13 ) in Closing Costs Financed.

05.19.2017 - Lender responded that they disagree and that their Compliance Team does not validate the accuracy of the Closing Costs Financed (Paid from your Loan Amount) figure in the Calculating Cash to Close Table. Lender stated that per CFPB Guide to loan estimate and closing disclosure forms, Closing Costs Financed (Paid from your Loan Amount) is the sum of the amounts in the Final column of the Loan Amount and Total Payoffs and Payments. However, the amount is disclosed only if the sum is greater than zero and no larger than the Total Closing Costs (deducting the amount in the Final column of Closing Costs Paid Before Closing). (§ 1026.38(e)(6)). )). For this loan, the Closing Costs Financed (Paid from your Loan Amount) figure of $17,399.13 (the Total Closing Costs) disclosed on the Final CD dated xxx is accurate because the Cash to Close to the borrower of $108,309.21 exceeds the Closing Costs Paid Before Closing of $695. This is not a testing defect so corrective action is not required. Exception remains. Clayton Compliance reviewed and noted that the regulation is clear on how to determine the amount financed by the loan on the CD. CFPB rule 1026.38(J)(4)(ii):For purposes of this paragraph (j), “closing funds” means funds collected and disbursed at real estate closing. If we use the example provided to use by the CFPB documents you will see the amount of Closing Cost is charges not paid with closing funds and should be removed from total of Closing cost due to already being funded. Then the “New” Closing cost if loan is used to fund then that amount should be disclosed in the ‘Closing Costs Financed (paid from your Loan Amount) not to be less than $0.

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years 8 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 783 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.17% is below Program Guidelines of 43.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 33.33% is below Program Guidelines of 70.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 years 6 months at the current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 21 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified post closing reserves of $1,395,792.46 or 183.37 months PITI; per guidelines, 12 mo. PITI reserves required.

Complete

0559567916

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Service Providers not provided.

05.12.17 Lender provided a copy of the SPL with service link as the provider listed.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years 8 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 783 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.17% is below Program Guidelines of 43.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 33.33% is below Program Guidelines of 70.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 years 6 months at the current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 21 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified post closing reserves of $1,395,792.46 or 183.37 months PITI; per guidelines, 12 mo. PITI reserves required.

Complete

0559567916

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Missing evidence of property insurance.

5.12.17 - Lender provided hazard evidence.

5.12.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years 8 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 783 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.17% is below Program Guidelines of 43.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 33.33% is below Program Guidelines of 70.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 years 6 months at the current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 21 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified post closing reserves of $1,395,792.46 or 183.37 months PITI; per guidelines, 12 mo. PITI reserves required.

Complete

0309677731

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

A

CA

CA

VC

VA

RA

RA

Property Valuations

Property

Satisfied

C

A

VC

VA

PRVAPROP177

Property Issues Indicated

No

Subject condominium project has 0 units sold out of 48; 0%. Guidelines require at least 70% of units to be sold. Per guidelines, XXX project review must be started prior to submission of exception request

4.28.17 Client rebuttal refers to attachment with XXX project review. However, no attachment was located.05.03.17 Lender provided a copy of the XXX report showing recommended approval for the project.

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.97% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 19.42 years.

Client Complete

0728724851

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 789 is 109 points above the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 26.37% is 16.63% less than the maximum DTI of 43%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Current mortgage rated 34 months with 0x30.

Client Complete

0459963628

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS shows XXX. Documents reflect XXX.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 802 is 122 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.79% is 14.21% less than the maximum DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Has been in his profession for 16 years.

Complete

0459963628

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Provide the most recent 12 months VOR if from an establishment or 12 months cancelled if rents from an individual. Max 0x30/12 month.

05.04.17 Lender provided response to stating borrower rent free with family, however exception remains for signed rent free letter. 05.23.17 Lender provided an LOE for rental history advised the borrower lives with family rent free, however, this is not from the borrower it is from the L/O please provide a document from the borrower explaining rent history. Exception remains for rent free letter executed by family member or borrower

05.23.17 Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 802 is 122 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.79% is 14.21% less than the maximum DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Has been in his profession for 16 years.

Complete

0253882113

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

CC

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle initial, the legal documents in file do not reflect the middle initial.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 61 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxx; xxx for 5 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower is xxx; xxx for 12.4 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 18.96% is 24.04% < back end DTI of 43.00%.

Client Complete

0253882113

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

CC

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3961

TRID - CD: The amount of the periodic escrow payment in the Projected Payments section does not equal the periodic escrow payment disclosed in the Loan Disclosures section

No

The Estimated Monthly Escrow Payment of $588.78 as disclosed in Projected Payments on CD xxx does not match the Monthly Escrow Payment of $273.28 as disclosed in Loan Disclosure section of same CD. Corrected on Post Close CD xxx.

(No Data)

04/20/2017-condition satisfied. Corrected on post close CD and downgraded to non-material.

Numeric

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 61 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxx; xxx for 5 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower is xxx; xxx for 12.4 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 18.96% is 24.04% < back end DTI of 43.00%.

Client Complete

0253882113

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

CC

CA

VA

VA

RB

RB

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC150

Income docs do not meet guidelines

No

Provide the fully executed Final 4506-T as the one in the file is blank.

05.03.17 Lender provided a copy of 4506-T completed dated xxx

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 61 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxx; xxx for 5 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower is xxx; xxx for 12.4 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 18.96% is 24.04% < back end DTI of 43.00%.

Client Complete

0059231634

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

CC

CA

VA

VA

RA

RA

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST205

Insufficient Funds to Close

No

Missing proof of the second $41,000 Earnest money clearing.

5/19/2017 - Lender provided the verification of both 41K Earnest Money Deposits.

5/19/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrowers Representative Credit Score is 764. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 28.78%; guideline maximum is 43%.

Client Complete

0815033209

XXXXXX

IN

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

CA

CA

VC

VB

RD

RB

Compliance

Compliance Manual

Active

C

B

RC

RB

CMPMAN2990

1003 - Final Application is not Accurate

No

Final 1003 indicates that the REO Properties address is XXX, this the Borrowers Current rental residence. The REO properties address is XXX with the PITI of $3,662.36.

05.25.2017: Provide updated Final loan application to correct the departing residence owned as xxx; Lender used the newly renting address (not owned) as xxx for the REO.

5.25.17 Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrowers Representative score is 777. CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been in the same profession for 18 years.

Complete

0815033209

XXXXXX

IN

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

CA

CA

VC

VB

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC225

Missing Rider

No

PUD Rider in file is not signed

05.25.2017: PUD Rider is blank when opened up. No new docs. Exception remains.5.30.2017 Lender provided updated executed Pud Rider.

5.30.2017 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrowers Representative score is 777. CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been in the same profession for 18 years.

Complete

0815033209

XXXXXX

IN

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

CA

CA

VC

VB

RD

RB

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

4.19.17 Desk Review received valued at $xxx dated 4/18/17, value not supported. Field Review recommended.

4.19.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrowers Representative score is 777. CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been in the same profession for 18 years.

Complete

0815033209

XXXXXX

IN

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

CA

CA

VC

VB

RD

RB

Property Valuations

Value

Satisfied

C

A

VC

VB

PRVAVALU153

Value Not Supported

No

4.19.2017 Field Review Ordered.

5.1.17 Field Review received valued at $xxx dated 5.1.17, value supported. 6.2.17 Reconciliation received valued at $xxx dated 6.5.17, value supported.

6.5.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrowers Representative score is 777. CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been in the same profession for 18 years.

Complete

0529178417

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Credit

Assets

Satisfied

B

A

CB

CA

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing one month current Bank Statement for XXX, XXX and XXX, XXX and XXX.

5.19.17 Lender provided XXX dated 1/27/17 & 2/23/17 XXX, XXX, XXX; XXX 1/31/17; XXXd ated 1/31/17

5.19.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 760 exceeded the guideline requirement of 680 by 80 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0529178417

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Missing Verification of Rental for B1 and B2 to verify housing payment history for most recent 12 months.

5.8.17 Client provided rent free letter from parents combined with previous mortgage history.

5.8.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 760 exceeded the guideline requirement of 680 by 80 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0529178417

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2550

Missing HUD-1 from sale of property

No

Missing HUD for sale of Property @ XXX

5.8.17 Client provided final Settlement statement verifying the sale of XXX

5.8.17 Exception satisifed

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 760 exceeded the guideline requirement of 680 by 80 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0529178417

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Property Valuations

Property

Satisfied

D

A

VD

VA

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Missing Condo Questionnaire and Condo Budget

5.26.17 - Lender provided clarification on policy and additional questionnaire is not necessary per guidelines.

5.26.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 760 exceeded the guideline requirement of 680 by 80 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0902448126

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. Name on website is XXX , or XXX

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 33.80%; max allowed DTI per guidelines is 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 796.

Client Complete

0902448126

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 33.80%; max allowed DTI per guidelines is 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 796.

Client Complete

0484741858

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Provide third party desk review. Order placed and pending receipt.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.81% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 9.33 years self-employment. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $XXX or 33.66 months PITI reserves. Guidelines require 12 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 24 years. Co-Borrower has been in the same profession for 8 years.

Client Complete

0889075729

XXXXXX

DE

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP157

Application Not Signed by Primary Borrower

No

Provide the fully executed Final loan application by the Borrower.

05.03.17 Lender provided a copy of the final 1003 signed by borrower and co borrower.

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers' resided at departing residence for 23.25 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 39 years. CFCFS2860: Good credit history - Clayton Comments: Borrowers' have good credit history of 0 x 30 of 456 months or 38 years.

Client Complete

0889075729

XXXXXX

DE

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP227

Application Not Signed by Co-Borrower

No

Provide the fully executed Final loan application by the Co-Borrower.

05.03.17 Lender provided a copy of the final 1003 signed by borrower and co borrower.

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers' resided at departing residence for 23.25 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 39 years. CFCFS2860: Good credit history - Clayton Comments: Borrowers' have good credit history of 0 x 30 of 456 months or 38 years.

Client Complete

0624956874

XXXXXX

SD

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Correspondence in file suggests property taxes incorrectly calculated on final CD and not realized until after funding. Post-Fund Change Template states funding was short for taxes in the amount of $3,309.29. Provide the corrected disclosure with LOE and proof of delivery

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxx ; xxx for 11.5 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 27.38% is 15.62% < maximum DTI of 43.00%. CFCFS1739: Postive mortgage payment history - Clayton Comments: The Mortgage history on the credit report shows 40 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Complete

0472590841

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing Taxes and Insurance for departing property XXX

5.25.17 Lender provided taxes & insurance for XXX property.

5.25.17 exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 786. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 14.01%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower S/E for the last 10yrs

Client Complete

0472590841

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Missing self employed Income analysis

5.30.17 - Lender indicates on rebuttal spreadsheet that they provided however no income analysis PDF was located.6.1.17 - Income analysis tool was provided.

6.1.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 786. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 14.01%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower S/E for the last 10yrs

Client Complete

0472590841

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support appraised value of $xxxxxx

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 786. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 14.01%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower S/E for the last 10yrs

Client Complete

0927122674

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Loan originator name per file documentation includes middle initial. NMLS shows full middle name or only first and last name.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has worked at current job for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative FICO of 777 exceeds guidelines requirement of 720. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for 8 years.

Client Complete

0973107614

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file. Please provide

5.15.17- HOC list provided

5.15.17-Exception satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has more than 12 months mortgage pay history with no lates. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of 109 months exceed guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 714.

Client Complete

0973107614

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided. Please provide

5.15.17- SPL provided

5.15.17- Condition satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has more than 12 months mortgage pay history with no lates. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of 109 months exceed guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 714.

Client Complete

0696430338

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

A

A

CA

CA

CRDINC3258

Missing Profit and Loss statement for one or more Self Employed borrowers

No

Missing Profit and Loss statement for borrowers 3 businesses for up to 2nd quarter 2016.

5.8.17 Client provided P and L statement signed by borrower

5.8.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: 51 years in current position. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 28 years in current position. CFCFS1736: Significant time at current residence - Clayton Comments: 34 years in current departure residence.

Complete

0696430338

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

A

A

CA

CA

CRDINC3260

Balance Sheet missing for one or more Self Employed borrowers

No

Missing balance sheets for borrowers 3 businesses for up to 2nd quarter xxx.

5.8.17 Client provided Balance sheet for XXX.

5.8.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: 51 years in current position. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 28 years in current position. CFCFS1736: Significant time at current residence - Clayton Comments: 34 years in current departure residence.

Complete

0696430338

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

Credit

Insurance

Satisfied

A

A

CA

CA

CRDINSR2400

Missing Flood Certification Document

No

Missing copy of Flood Cert

5.8.17 Client provided flood certification property not in flood zone

5.8.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: 51 years in current position. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 28 years in current position. CFCFS1736: Significant time at current residence - Clayton Comments: 34 years in current departure residence.

Complete

0600379898

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

Credit

Terms/Guidelines

Satisfied

A

A

CA

CA

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Loan presented as a no cash out/rate term refinance. Borrowers received $9,798.64 cash out at close. Underwriting Transmittal and lender approval in file show borrower receiving cash at close.

5/04/2017 - Lender provided settlement statement as verification of lot purchase back in 2014 and a signed itemized construction bid sheet.

5/04/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 21 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 767 exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years at current job.

Client Complete

0821457719

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Provide 12 months cancelled checks to verify rental history as it appears the rent may be on the XXX account ending XXX however it states XXX (current address XXX) and there is no lease to correlate with it.

05.02.17 Lender provided a copy of the 13 months of bank statements showing payments into acct XXX for XXX property for $1945.

05.02.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 23.75 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 representative score exceeds the GL min of 680.

Client Complete

0821457719

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support $xxxxxx appraised value.

4.18.17 Desk review received valued at $xxxxxx dated 4/18/17, value supported.

4.18.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 23.75 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 representative score exceeds the GL min of 680.

Client Complete

0702523610

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP130

Application is incomplete

No

Missing signed Initial and Final 1003's for both borrower's

5.24.17 Initial and Final signed 1003's received.

5.24.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with current employer for the past 10years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 774 exceeded the guideline requirement of 680 by 94 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 27.22%.

Client Complete

0702523610

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA value to support an appraised value of $xxxxxx

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with current employer for the past 10years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 774 exceeded the guideline requirement of 680 by 94 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 27.22%.

Client Complete

0081972063

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5 years 3 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 785 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.78% is below Program Guidelines of 43.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 6 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 18 months PITI reserves; guidelines require 12 months

Client Complete

0238560685

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 712. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV, max per guidelines is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $0. Statements in file supported assets of $215,851.53 with reserves of $154,559.74.12 months reserves required with a loan amount ($3,612.77 x 12= $43,353.24). CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.49% DTI, max per guidelines is 43%

Client Complete

0961297152

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Missing the required twelve month housing history to verify 0x30

05.04.17 Lender provided a copy of a credit sup 3rd party verification of rental history borrower has no 30 day lates with XXX.

05.04.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 776. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.27% is below the maximum per guidelines of 43%

Client Complete

0961297152

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support appraised value of $xxxxxx

4.20.17 Desk review received valued at $xxxxxx dated 4/20/17, value supported.

4.20.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 776. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.27% is below the maximum per guidelines of 43%

Client Complete

0356814269

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of 754 exceed guidelines 680 by 74 points CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.25% below guideline requirement of 43% by 13.75 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 33.33 months of reserves verified. 12 months required.

Client Complete

0376779553

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

D

A

D

A

CD

CA

VD

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Provide certified final HUD1/CD for borrowers sale of departure residence XXX verifying XXX Mortgage has been paid in full since payment excluded from qualifying.

5.9.17 - Lender provided.

5.9.17 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

Client Complete

0376779553

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

D

A

D

A

CD

CA

VD

VA

RD

RA

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST206

Asset Amounts Are Unsupported by Documentation in File

No

Provide certified final HUD1/CD for XXX verifying XXX Mortgage has been paid in full and borrowers netting a minimum of $209,616.64 (cash to close plus 12 months reserves).

05.09.17 Lender provided a copy of the Seller HUD showing the proceeds of $XXXXXX

05.09.17 Exception satisfied.

(No Data)

Not Applicable

(No Data)

Client Complete

0376779553

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

D

A

D

A

CD

CA

VD

VA

RD

RA

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Missing condo insurance policy. Provide verification of sufficient condo association insurance coverage with current effective dates.

05.09.17 Lender provided a copy of the certificate of insurance for XXX with walls in coverage.

05.09.17 Exception satisfied.

(No Data)

Not Applicable

(No Data)

Client Complete

0376779553

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

D

A

D

A

CD

CA

VD

VA

RD

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/17- severe winter storms, flooding and mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.9.17 Post Disaster Inspection provided reflecting no damage.

05.09.17 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

Client Complete

0376779553

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

D

A

D

A

CD

CA

VD

VA

RD

RA

Property Valuations

Property

Satisfied

D

A

VD

VA

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Missing condo approval for subject property. Provide condo approval for the subject new construction condo with 126 total units, 6 sold units and 0 closed units per guidelines.

5.26.17 - Lender provided clarification on policy and additional questionnaire is not necessary per guidelines.

5.26.17 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

Client Complete

0247615349

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Name per NMLS: XXX. Name per loan docs: XXX.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 797, minimum per G/L is 680 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed as a XXX at XXX for over 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.77%, max per G/L is 80% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: DTI is 31.85%, max is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 208.18 months verified post reserves, only 12 months required ($4,073.82 X 12=$48,885.84

Client Complete

0247615349

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR237

Appraisal is stale dated without recertification in file

No

Appraisal is dated 10/27/2016 - more than 120 days prior to XXX note date.

05.04.17 Lender provided a copy of the 1004 D dated for 02.17.17

05.04.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 797, minimum per G/L is 680 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed as a XXX at XXX for over 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.77%, max per G/L is 80% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: DTI is 31.85%, max is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 208.18 months verified post reserves, only 12 months required ($4,073.82 X 12=$48,885.84

Client Complete

0411144370

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed as the XXX for XXX for 14 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed as the XXX for XXX for 5 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 91 months verified reserves, only 12 months required ($3064.07 X 12=$36,768.84) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 784, minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 16.02%, max per G/L is 40%

Client Complete

0149761540

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Loan Officers Name, xxx is not an exact match to the NMLS verification of xxx, xxx.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed a the xxx for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 781, minimum is 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 34.20%, max is 43%

Complete

0149761540

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Credit

Legal Documents

Active

D

B

CD

CB

CRDLGL100

Legal document incorrect or incomplete

No

Exception for HOA fees less than or equal to 12 months to be paid by third party (xxxxx is paying for 12 months HOA dues) is approved.

(No Data)

4.28.17 Exception remains. Exception is non-material as borrower put $139,929.23 of own funds into transaction.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed a the xxx for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 781, minimum is 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 34.20%, max is 43%

Complete

0978296825

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

$29.76 Zero Tolerance due to increase in credit report fee without a valid change of circumstance documented in the file. Cure provided on final CD. Downgraded and satisfied non-material.

(No Data)

4.21.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 779 exceeded the guideline requirement of 680 by 99 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession.

Client Complete

0978296825

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Missing copy of the Hazard Insurance for the subject Property.

05.09.17 Lender provided a copy of the HOI for the subj property

05.09.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 779 exceeded the guideline requirement of 680 by 99 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession.

Client Complete

0373903413

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing 3rd party valuation to support a value of $xxxxxx

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 34.49%, max allowed is 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with Current employer for the past 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 789 exceeded the guideline requirement of 720 by 69 points.

Client Complete

0111275216

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Provide a VOR for the prior 12 months for the property located on XXX.

05.04.17 Lender provided a copy of a XXX activity print out showing 12 month on time rental payments.

05.04.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 786 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 22.51% is below Program Guidelines of 43.00% CFCFS1746: Significant housing expense reduction - Clayton Comments: Borrower has reduced the monthly housing expense by $2,477.43. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 5 years 6 months in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 32.98 months PITI reserves; guidelines require 12 months

Client Complete

0600752102

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for 10.82 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 72.22% is 7.78% < maximum LTV of 80.00%. CFCFS1739: Postive mortgage payment history - Clayton Comments: The Mortgage history on the credit report shows 48 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers have a qualifying credit score of 776. Minimum required is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 46.10 months PITI reserves. 12 months required.

Client Complete

0403516503

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxxxxx.

4.19.17 Desk review received valued at $xxxxxx dated 4/19/17, value supported.

04.22.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score s 792. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.31% DTI is below max DTI of 43%

Client Complete

0083025693

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Amount of Credit report on LE xx/xx/xxxx is $15, subsequent CD's amount is $29.88 due to amounts paid by others and borrower. Tolerance fee should be of the difference of $14.88. No change of circumstance found in file.

(No Data)

05.23.2017: After further review, exception satisfied as Non-Material as the Final CD corrected the issue.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.89% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been at current job for 19.70 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 802 exceeds the minimum of 680.

Complete

0083025693

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC3204

Income Documentation Missing

No

Provide the fully executed and dated Initial 4506-T form as it is blank when opened up.

05.25.2017: No docs submitted. Exception remains.

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.89% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been at current job for 19.70 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 802 exceeds the minimum of 680.

Complete

0083025693

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Legal Documents

Active

B

B

CB

CB

CRDLGL100

Legal document incorrect or incomplete

No

Loan transaction was RELO loan. Lender to obtain a written or verbal verification of the customer's relocation from the customer's employer or their third party agent. If verbal, it must be documented in the underwriting notes and must confirm client relationship between the employer or their third party agent and XXX. In addition, both verbal and written verifications must confirm the customer's transfer and terms and conditions of customer's relocation.

05.25.2017: There is nothing from the employer/3rd party to confirm the relocation, only the Verbal VOEs. Exception remains.

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.89% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been at current job for 19.70 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 802 exceeds the minimum of 680.

Complete

0852948087

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 credit score exceeds guideline minimum of 680 by 33 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer 7 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 43.24 months PITI reserves of $177,245.36. 12 months reserves required.

Complete

0352056311

XXXXXX

WV

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Borrower's Interest

Active

C

B

RC

RB

CMPBI1439

WV Home Loan - NTB Worksheet contains no benefit to borrower

No

Missing the WV Home Loan Tangible Net Benefit Worksheet

(No Data)

5.26.17 Exception is non-material as borrower is converting from ARM to fixed and lowering payments)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for over 31 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: The loan closed with an LTV of 68.09% and the max LTV was 80.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's Credit Score of 767 exceeds guidelines requirements of 720.

Complete

0352056311

XXXXXX

WV

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Borrower's Interest

Active

D

B

RD

RB

CMPBI1437

WV Home Loan - WV Tangible Net Benefit Worksheet not in file

No

Missing the WV Home Loan Tangible Net Benefit Worksheet

(No Data)

5.26.17 Exception is non-material as borrower is converting from ARM to fixed and lowering payment

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for over 31 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: The loan closed with an LTV of 68.09% and the max LTV was 80.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's Credit Score of 767 exceeds guidelines requirements of 720.

Complete

0352056311

XXXXXX

WV

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

State Consumer Protection

Active

B

B

RB

RB

CMPSTCP1403

WV Home Loan - Unable to evaluate advanced payment requirement

No

Missing the WV Home Loan - disclosure to evaluate advanced payment requirement

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for over 31 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: The loan closed with an LTV of 68.09% and the max LTV was 80.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's Credit Score of 767 exceeds guidelines requirements of 720.

Complete

0352056311

XXXXXX

WV

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xxx Calculating Cash to Close section, Closing Costs Financed (paid from your loan amount) value of $1548.57 is incorrect. Lender subtracted out the funds borrower received at close. Amount financed should be $1398.57.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for over 31 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: The loan closed with an LTV of 68.09% and the max LTV was 80.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's Credit Score of 767 exceeds guidelines requirements of 720.

Complete

0291974633

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

No evidence in file of homeowners counseling organizations list being sent to borrower's within three days of application date.

5.10.2017: Lender provided Counseling list.

5.10.2017: Exception satisifed.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.06% is below guideline requirement of 43% by 18.94 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 19 years and the co-borrower 12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The midpoint score of the primary wage earner is (767) exceed guideline of 680 by 87 points.

Client Complete

0291974633

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

No evidence in file of Written List of Providers being sent to borrower's within three days of application date.

5.10.2017: Lender provided SPL

5.10.2017: Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.06% is below guideline requirement of 43% by 18.94 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 19 years and the co-borrower 12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The midpoint score of the primary wage earner is (767) exceed guideline of 680 by 87 points.

Client Complete

0291974633

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% tolerance fee increase between LE xx/xx/xxxx and CD xx/xx/xxxx by $47.88. The Credit Report fee increased without valid documentation. Lender included a credit of $47.88 on the same CD.

(No Data)

5/2/2017: Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.06% is below guideline requirement of 43% by 18.94 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 19 years and the co-borrower 12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The midpoint score of the primary wage earner is (767) exceed guideline of 680 by 87 points.

Client Complete

0104031291

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

CD

CA

VB

VA

RA

RA

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Evidence of Hazard Insurance for subject property missing from loan file.

5.8.17 Client provided escrow information for loan currently being serviced by lender including coverage and premium information

5.8.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 756 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 22 years in current profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified post closing assets of $611,086.08 or 51.89 months subject PITI; per guidelines, 12 months subject PITI reserves required.

Client Complete

0104031291

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

CD

CA

VB

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No subsequent property inspection completed after FEMA Disaster Declaration 3/16/2017 Severe Winter Storms, Flooding and Mudslides; Note date XXX.

5.10.17 Post Disaster Inspection provided reflecting no damage.

5.10.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 756 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 22 years in current profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified post closing assets of $611,086.08 or 51.89 months subject PITI; per guidelines, 12 months subject PITI reserves required.

Client Complete

0022460253

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in current profession for 25 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 exceeds the minimum of 680

Complete

0022460253

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2700

RESPA - List of homeowners counseling organizations not provided w/in 3 days of application

No

Initial 1003 dated xxx, list of homeowners counseling organizations provided xxx which is not within 3 business days.

5/15/17 - Lender provided HOC disclosure Exception remains. Disclosure Worksheet shows Application Date xx/xx/xxxx

5/16/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in current profession for 25 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 exceeds the minimum of 680

Complete

0022460253

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Initial 1003 dated xxx, written list of service provides issued on xxx which is not within 3 business days.

5/15/17 - Lender provided SPL disclosure. Exception remains. Disclosure Worksheet shows Application Date xx/xx/xxxx

5/16/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in current profession for 25 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 exceeds the minimum of 680

Complete

0022460253

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 1/23/2017- Severe Winter Storms, Flooding and Mudslides-. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.9.17 Post Disaster Inspection provided reflecting no damage.

5.9.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in current profession for 25 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 exceeds the minimum of 680

Complete

0356069864

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

A

CD

CA

VC

VA

RD

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file please provide.

5.15.17- HOC list provided

5.15.17- Exception satisfied

(No Data)

Not Applicable

CFCFS1746: Significant housing expense reduction - Clayton Comments: Bwr previous payment $7477, reduced to $4510.07 after refinance. CFCFS1737: LTV below guideline requirements - Clayton Comments: Final LTV 58.26, below 75% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Bwr has 30.08 mths reserves at closing. 18 mths piti required.

Client Complete

0356069864

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

A

CD

CA

VC

VA

RD

RA

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

Missing Right of Rescission form

5.15.17- ROR provided

5.15.17- Condition satisfied

(No Data)

Not Applicable

CFCFS1746: Significant housing expense reduction - Clayton Comments: Bwr previous payment $7477, reduced to $4510.07 after refinance. CFCFS1737: LTV below guideline requirements - Clayton Comments: Final LTV 58.26, below 75% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Bwr has 30.08 mths reserves at closing. 18 mths piti required.

Client Complete

0356069864

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

A

CD

CA

VC

VA

RD

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not found in file, please provide.

5.15.17- SPL provided

5.15.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1746: Significant housing expense reduction - Clayton Comments: Bwr previous payment $7477, reduced to $4510.07 after refinance. CFCFS1737: LTV below guideline requirements - Clayton Comments: Final LTV 58.26, below 75% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Bwr has 30.08 mths reserves at closing. 18 mths piti required.

Client Complete

0356069864

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

A

CD

CA

VC

VA

RD

RA

Credit

Assets

Satisfied

D

A

CD

CA

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing November and December 2016 bank statement for XXX a/c #XXX. Gap in statements between October2016 and January 2017

5.24.17 Received December 2016 XXX statement. Upon further review, the lack of November statement is not significant as 2 consecutive recent months are now in file.

5.24.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1746: Significant housing expense reduction - Clayton Comments: Bwr previous payment $7477, reduced to $4510.07 after refinance. CFCFS1737: LTV below guideline requirements - Clayton Comments: Final LTV 58.26, below 75% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Bwr has 30.08 mths reserves at closing. 18 mths piti required.

Client Complete

0356069864

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

A

CD

CA

VC

VA

RD

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

CDA missing from file.

5.3.17 Desk Review received valued at $xxxxxx dated 5.3.17, value supported.

5.3.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1746: Significant housing expense reduction - Clayton Comments: Bwr previous payment $7477, reduced to $4510.07 after refinance. CFCFS1737: LTV below guideline requirements - Clayton Comments: Final LTV 58.26, below 75% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Bwr has 30.08 mths reserves at closing. 18 mths piti required.

Client Complete

0356069864

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

A

CD

CA

VC

VA

RD

RA

Property Valuations

Property

Satisfied

C

A

VC

VA

PRVAPROP241

Property Type unacceptable under guidelines

No

Subject property is a 3 unit condo conversion from triplex with > 10% ownership and high investor concentration. Exception approved WF PCO.

5.25.17 Lender LVAM exception(s) approved under the PCO delegated authority.

5.25.17 Exception satified

(No Data)

Not Applicable

CFCFS1746: Significant housing expense reduction - Clayton Comments: Bwr previous payment $7477, reduced to $4510.07 after refinance. CFCFS1737: LTV below guideline requirements - Clayton Comments: Final LTV 58.26, below 75% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Bwr has 30.08 mths reserves at closing. 18 mths piti required.

Client Complete

0389914585

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 44 months reserves exceed guideline requirement of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 709 credit score exceeds guideline minimum of 680 by 29 points.

Complete

0811028667

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $662,087.39 or 176.63 months PITIA reserves. 18 mths PITIA required for the subject property as Second Home, 6 months PITI required for the Borrower's primary, 6 months PITI for XXX, and 6 months PITI required for XXX for a total of 36 months PITI(A) reserves required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV below 2nd home guideline requirement of 80%. Actual LTV is 63.01%. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit history with very little debt outstanding and paying all accts as agreed. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower XXX for 14.37 years.

Client Complete

0811028667

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

CDA missing from loan file.

5.3.17 Desk Review received valued at $xxxxxx dated 5.2.17, value supported.

5.3.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $662,087.39 or 176.63 months PITIA reserves. 18 mths PITIA required for the subject property as Second Home, 6 months PITI required for the Borrower's primary, 6 months PITI for XXX, and 6 months PITI required for XXX for a total of 36 months PITI(A) reserves required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV below 2nd home guideline requirement of 80%. Actual LTV is 63.01%. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit history with very little debt outstanding and paying all accts as agreed. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower XXX for 14.37 years.

Client Complete

0811028667

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/17- Severe Winter Storms, Flooding, and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.22.17 Post Disaster Inspection confirm no damages to property.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $662,087.39 or 176.63 months PITIA reserves. 18 mths PITIA required for the subject property as Second Home, 6 months PITI required for the Borrower's primary, 6 months PITI for XXX, and 6 months PITI required for XXX for a total of 36 months PITI(A) reserves required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV below 2nd home guideline requirement of 80%. Actual LTV is 63.01%. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit history with very little debt outstanding and paying all accts as agreed. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower XXX for 14.37 years.

Client Complete

0214395498

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Borrower 2 signature missing from 4506t

05.03.17 Lender provided a copy of the signed 4506T dated 03.22.17

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.95% is 13.05% below the maximum DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 758 is 78 points above the required score of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in his profession for 15 years.

Client Complete

0382119029

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

Property Valuations

Appraisal

Satisfied

N/A

A

N/A

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned departure residence for 16.64 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 16.48 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.16% DTI is below the maximum allowed DTI of 43%.

Client Complete

0550863845

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $455,653.56 or 90.17 months reserves. 12 months PITI reserves required for the subject property, 6 months PITI reserves for the REO property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 769. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 29.09%.

Client Complete

0581078467

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

B

A

B

B

C

B

CC

CB

VB

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $XXX or 87.16 months in PITIA reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on the same job for 22.56 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned and resided in subject residence for 15 years.

Complete

0581078467

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

B

A

B

B

C

B

CC

CB

VB

VA

RB

RB

Credit

Insurance

Satisfied

C

A

CC

CA

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Coverage of $650,100 insufficient Note $XXX rebuild cost per appraisal $691,500. Subject property is in CA.

05.03.17 Lender provided a copy of the dec page showing endorsement for replacement cost

05.03.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $XXX or 87.16 months in PITIA reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on the same job for 22.56 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned and resided in subject residence for 15 years.

Complete

0581078467

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

B

A

B

B

C

B

CC

CB

VB

VA

RB

RB

Credit

Terms/Guidelines

Active

B

B

CB

CB

CRDTER109

Cash Out Amount Exceeds Guidelines

No

This is a second cash out transaction on the subject property within the past 12 months. The cash proceeds of this transaction will be used for down payment on second home purchase. Exception was approved on 02/02/2017 by XXX. Note: Loan was initially refinanced on xxx and disbursement date for this cash out refinance was xxxxx of which is > 1 year. Exception noted and will remain.

Lender approved exception in file. 5.4.17 Client rebuttal states approved exception in file. However, exception remains as no cure for exception was provided.

5.4.17 Exception remains.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $XXX or 87.16 months in PITIA reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on the same job for 22.56 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned and resided in subject residence for 15 years.

Complete

0581078467

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

B

A

B

B

C

B

CC

CB

VB

VA

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/17- Severe Winter Storms, Flooding, and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

05.04.17 Lender provided notes advising no damage to the property. However, in order to clear this exception a property disaster inspection would be required. 5.9.17 Post Disaster Inspection provided reflecting no damage.

5.9.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $XXX or 87.16 months in PITIA reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on the same job for 22.56 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned and resided in subject residence for 15 years.

Complete

0118954527

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

B

B

D

B

CD

CA

VD

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower is an XXX; XXX for 22.6 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 15.16% is 27.84% < maximum DTI of 43.00%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 84 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower resided at primary residence for 15.6 years.

Client Complete

0118954527

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

B

B

D

B

CD

CA

VD

VA

RB

RB

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2996

Missing Trust Documents

No

Provide the Trust Agreement for XXX Trust Agreement dated XXX as the Note closed under the Trust.

05.04.17 Lender provided a copy of the certification of trust

05.04.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower is an XXX; XXX for 22.6 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 15.16% is 27.84% < maximum DTI of 43.00%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 84 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower resided at primary residence for 15.6 years.

Client Complete

0118954527

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

B

B

D

B

CD

CA

VD

VA

RB

RB

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Provide the XXX Report showing value of $xxxxxx.

4.19.17 Desk review received valued at $xxxxxx dated 4/19/17, value supported.

4.19.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower is an XXX; XXX for 22.6 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 15.16% is 27.84% < maximum DTI of 43.00%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 84 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower resided at primary residence for 15.6 years.

Client Complete

0118954527

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

B

B

D

B

CD

CA

VD

VA

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 1/12/17- Severe Winter Storms, Flooding, and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.18.17 Post Disaster Inspection confirm no damages to property.

5.18.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower is an XXX; XXX for 22.6 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 15.16% is 27.84% < maximum DTI of 43.00%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 84 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower resided at primary residence for 15.6 years.

Client Complete

0118954527

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

B

B

D

B

CD

CA

VD

VA

RB

RB

Property Valuations

Property

Satisfied

C

A

VC

VA

PRVAPROP241

Property Type unacceptable under guidelines

No

Subject is a resort condo. UW Decision Summary approved by XXX 03/07/2017 with exception approval at 60% LTV.

UW Decision Summary approved by lender with exception approval at 60% LTV. 05.04.17 Lender provided a copy of the condo approval email chain added to file.

After further review by Senior Underwriter, LTV is exception is non-material as borrower has low DTI of 15%, 222 months PITI reserves and strong residual income. Borrower also demonstrates stability with time on job and time at residence. 05.04.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower is an XXX; XXX for 22.6 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 15.16% is 27.84% < maximum DTI of 43.00%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 84 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower resided at primary residence for 15.6 years.

Client Complete

0118954527

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

B

B

D

B

CD

CA

VD

VA

RB

RB

Property Valuations

Property

Satisfied

D

A

VD

VA

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Provide the Condo Project Review for the subject property as not located in the file and UW Decision Summary states that project approved by PCO after XXX review.

05.04.17 Lender provided a copy of the condo approval email chain added to file.

05.04.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower is an XXX; XXX for 22.6 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 15.16% is 27.84% < maximum DTI of 43.00%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 84 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower resided at primary residence for 15.6 years.

Client Complete

0654630168

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing the Home Ownership Counseling List.

7.7.17 Client provided Home Ownership Counseling List

7.7.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on job 14+ years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Asset statements in file support assets in the amount of $234,208.32 with reserves of $223,468.18 or 27.33 months PITI. 12 months PITI required for reserves: ($8176.77 * 12 = $98,121.24). CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The midpoint credit score (792) of the primary wage earner exceed guideline requirement of 680 by 112 points.

Complete

0222426472

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 33.27 months PITIA reserves verified. 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 771.

Client Complete

0610529858

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

$29.88 Zero Tolerance due to increase credit report fee without a valid change of circumstance documented in the file.Final CD provides cure.Downgraded and satisfied non-material.

(No Data)

Exception satisifed

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for 5.47 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 81.87 months PITI reserves. 12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.13% DTI is below the maximum allowed DTI of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV is 5% less than the maximum program LTV of 80%.

Client Complete

0280660533

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

C

B

A

A

D

B

CD

CA

VC

VB

RA

RA

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Missing Hazard Insurance Dec page for the subject property as it is blank when opened up.

5.31.17 - Lender provided dec page.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico score 735. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for over 14 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: The loan closed with an LTV of 75% and the max LTV was 80.00%.

Complete

0280660533

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

C

B

A

A

D

B

CD

CA

VC

VB

RA

RA

Property Valuations

Property

Active

C

B

VC

VB

PRVAPROP241

Property Type unacceptable under guidelines

No

Exception approval in file for flip transaction. Property sold xxx for $xxx. Current sales price is $xxx. Appraisal notes extensive remodeling since previous purchase. Exception approved dated 03/13/2017; exception approval noted however exception remains.

(No Data)

Upon further review 3rd Party appraisal review supports current value subject property went under extensive renovations. Deemed non-material due to G/L variance not value.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico score 735. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for over 14 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: The loan closed with an LTV of 75% and the max LTV was 80.00%.

Complete

0006517460

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned and resided in primary residence for 6.07 years; Pending Sale after subject closing. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage history is 0x30x84; guidelines require 0x30x24. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score is 786; guidelines require 680.

Client Complete

0137030363

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

B

A

D

A

D

B

CC

CB

VB

VA

RD

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing the Homeownership Counseling list.

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total reserves $868,994.21/ 174.58. PCL required $59,552.64 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTi 31.40, below 43% max requirement.

Client Complete

0137030363

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

B

A

D

A

D

B

CC

CB

VB

VA

RD

RA

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

File is missing H9 ROR Form.

5/15/17 - Lender provided ROR disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total reserves $868,994.21/ 174.58. PCL required $59,552.64 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTi 31.40, below 43% max requirement.

Client Complete

0137030363

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

B

A

D

A

D

B

CC

CB

VB

VA

RD

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing Written list of Service Providers.

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total reserves $868,994.21/ 174.58. PCL required $59,552.64 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTi 31.40, below 43% max requirement.

Client Complete

0137030363

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

B

A

D

A

D

B

CC

CB

VB

VA

RD

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

RC

RA

CMPTRID3590

TRID - At least one LE was delivered on or after the date that a CD was delivered

No

Per Timestamp, the borrower received the last LE xxxxxx 22:20:33 whereas the initial CD was prior on xxxxxx 22:16:50.

5/19/2017 - Lender provided verification of E delivery on the 3/21/2017.

5/19/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total reserves $868,994.21/ 174.58. PCL required $59,552.64 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTi 31.40, below 43% max requirement.

Client Complete

0137030363

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

B

A

D

A

D

B

CC

CB

VB

VA

RD

RA

Credit

LTV/CLTV

Satisfied

C

B

CC

CB

CRDLTV3030

CLTV Exceeds Guideline Requirement by less than 5%

No

CLTV of 73.02% exceeds maximum 70%. Approval from XXX PCO to exceed max 70% CLTV based on overall comp factors on loan.

5.29.17 lender response LVAM approved exception - LTV / CLTV. This exception approved under the PCO delegated authority. Per non agency loan variance, LTV exception is permitted.

5.29.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total reserves $868,994.21/ 174.58. PCL required $59,552.64 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTi 31.40, below 43% max requirement.

Client Complete

0137030363

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

B

A

D

A

D

B

CC

CB

VB

VA

RD

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

FEMA disaster effective 1/23/17 and 2/23/17. No inspection since appraisal on 11/8/16.

5.22.17 Post Disaster Inspection confirm no damages to property.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total reserves $868,994.21/ 174.58. PCL required $59,552.64 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTi 31.40, below 43% max requirement.

Client Complete

0506584465

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

B

CD

CA

VC

VB

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing documentation to complete the ATR/QM status determination review: Provide the insurance and taxes for the departing residence (XXX); the credit supplement did not state whether insurance and taxes were included in the payment nor was there a XXX Screen Shot Mortgage statement provided, only a listing was in the file.

5.26.17 - Lender provided the mortgage statement for the XXX.

5.26.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets of $275,595.21 or 54.13 months PITI reserves. 12 months PITI reserves required for the subject property ($5,091.29 x 12 = $61,095.48) and 6 months PITI reserves for subject property ($3,259 x 6 = $19,554) totaling $80,649.48 total reserves required. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 20 years.

Client Complete

0506584465

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

B

CD

CA

VC

VB

RD

RA

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Provide the insurance and taxes for the departing residence (XXX); the credit supplement did not state whether insurance and taxes were included in the payment nor was there a XXX Screen Shot Mortgage statement provided, only a listing was in the file.

5/04/2017 - Lender provided the mortgage statement for the XXX.

5/04/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets of $275,595.21 or 54.13 months PITI reserves. 12 months PITI reserves required for the subject property ($5,091.29 x 12 = $61,095.48) and 6 months PITI reserves for subject property ($3,259 x 6 = $19,554) totaling $80,649.48 total reserves required. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 20 years.

Client Complete

0506584465

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

B

CD

CA

VC

VB

RD

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

4.19.17 Desk review received indeterminate value, value not supported. Field review recommended.

4.19.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets of $275,595.21 or 54.13 months PITI reserves. 12 months PITI reserves required for the subject property ($5,091.29 x 12 = $61,095.48) and 6 months PITI reserves for subject property ($3,259 x 6 = $19,554) totaling $80,649.48 total reserves required. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 20 years.

Client Complete

0506584465

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

B

CD

CA

VC

VB

RD

RA

Property Valuations

Value

Satisfied

C

A

VC

VB

PRVAVALU153

Value Not Supported

No

4.19.17 Field Review ordered.

5.1.17 Field Review received valued at $xxxxxx dated 5.1.17, value supported.

5.1.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets of $275,595.21 or 54.13 months PITI reserves. 12 months PITI reserves required for the subject property ($5,091.29 x 12 = $61,095.48) and 6 months PITI reserves for subject property ($3,259 x 6 = $19,554) totaling $80,649.48 total reserves required. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 20 years.

Client Complete

0563605078

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

Final 1003 application borrower listed as non citizen. No documentation to confirm citizenship/residency in file with exception of drivers license. Provide proper documentation to confirm status residency

5/09/2017 - Lender provided the I-797A/I-94# - expires on XXX.

5/09/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 758 exceeds minimum of 680

Complete

0563605078

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Credit

LTV/CLTV

Active

C

B

CC

CB

CRDLTV3026

LTV Exceeds Guideline Requirement by at least 5%, but less than 10%

No

Maximum LTV for 2-Unit is 75%. Loan approved with exception to 80%

(No Data)

Exception is non-material due to low DTI of 24.54% and high credit score of 758. 2 unit properties are common in the area as per appraisal, 50% of the properties in the area are 2 unit.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 758 exceeds minimum of 680

Complete

0857113702

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has worked 10 years in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 713 exceeds the guideline requirement of 680 by 33 points. CFCFS2860: Good credit history - Clayton Comments: Borrower's have no derogatory remarks on their credit report.

Complete

0429136736

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file.

5.10.2017: Lender provided counseling list.

5.10.2017: Exception satsified.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified post closing reserves of $255,428.69 or 55.89 months subject PITI. Per guidelines, 12 months PITI required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Both borrowers have significant tenure in their professions; B1, 15 yrs. and B2 20 yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 19.15%.

Client Complete

0429136736

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

Missing Right of Rescission form.

5.8.17 Client provided executed Right to Cancel forms for both borrowers

5.8.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified post closing reserves of $255,428.69 or 55.89 months subject PITI. Per guidelines, 12 months PITI required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Both borrowers have significant tenure in their professions; B1, 15 yrs. and B2 20 yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 19.15%.

Client Complete

0429136736

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Service Providers is missing from loan file.

5.10.2017: Lender provided SPL.

5.10.2017: Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified post closing reserves of $255,428.69 or 55.89 months subject PITI. Per guidelines, 12 months PITI required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Both borrowers have significant tenure in their professions; B1, 15 yrs. and B2 20 yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 19.15%.

Client Complete

0429136736

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

File missing post-closing CDA.

5.2.17 Desk Review received valued at $xxxxxx dated 5.2.17, value supported.

5.2.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified post closing reserves of $255,428.69 or 55.89 months subject PITI. Per guidelines, 12 months PITI required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Both borrowers have significant tenure in their professions; B1, 15 yrs. and B2 20 yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 19.15%.

Client Complete

0782569039

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS shows loan originator including middle name but file documents include first and last name only.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70.65% is 9.35% lower than the maximum LTV of 80%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 30 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.72% DTI is below the maximum allowed DTI of 43%.

Client Complete

0782569039

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

$21 Ten Percent tolerance difference due to increase in recording fees without a valid change of circumstance documented in the file. Final CD provided cure.

(No Data)

04/24/2017 - Exception satisfied as non-material since cure provided on final CD.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70.65% is 9.35% lower than the maximum LTV of 80%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 30 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.72% DTI is below the maximum allowed DTI of 43%.

Client Complete

0516681132

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS Reflects- XXX and XXX. Documents executed as XXX.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 785 is 105 points higher than the required score of 680. CFCFS2854: Significant time in profession - Clayton Comments: Has been in his profession for over 20 years.

Client Complete

0516681132

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

10% tolerance fee increase between LE xx/xx/xxxx and CD xx/xx/xxxx by $27.90. The Recording-Mortgage fee increased without valid documentation. The Lender included a credit of $27.90 for the increase on the same CD.

(No Data)

4/25/2017: exception satisfied since the tolerance error was corrected on the same CD.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 785 is 105 points higher than the required score of 680. CFCFS2854: Significant time in profession - Clayton Comments: Has been in his profession for over 20 years.

Client Complete

0704889234

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

1003 shows LO name of xxx and NMLS consumer acces shows xxx with no matching alternate names.

7.7.17 Client acknowledged waiver of exact match of NMLS

7.07.17 Final Grade B. Exception is non-material as only variance is middle name.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD required funds to close of $0. Statements in file supported assets of $1708047.81 with reserves of $1708047.81 . 6 months reserves required for subject($2777.03x 6 =$16662.18). An Additional 6 months is required on the other financed property ($776x 6=$4656) and ($2454 x 6=$14724) and ($9027 x 6 = $54162) and ($714x 6 = $4284) for a total of $94488.18 reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has representative score of 804. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has 38 years in current job.

Complete

0704889234

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Waived

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xxx: The Closing costs Financed (paid from your loan amount) of $2,717.28 does not match reviews verified amount of $2182.46. Non-Numerical Error Can be satisfied non-material per Legacy TILA cure 130(B), with a corrected post close CD, LOX and verification sent to borrower.

7.18.17 Client response- Acknowledge differences in technical interpretations and waive the finding

7.18.17 Final Grade B

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD required funds to close of $0. Statements in file supported assets of $1708047.81 with reserves of $1708047.81 . 6 months reserves required for subject($2777.03x 6 =$16662.18). An Additional 6 months is required on the other financed property ($776x 6=$4656) and ($2454 x 6=$14724) and ($9027 x 6 = $54162) and ($714x 6 = $4284) for a total of $94488.18 reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has representative score of 804. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has 38 years in current job.

Complete

0466205829

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support the original appraised value of $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower with current employer for 9 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers representative score of 722 exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Current DTI 41% is below max guideline of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: Current LTV 54.91% is below max guideline of 70%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified post closing reserves of $131,403.45 or 43.96 months PITI; guidelines require 18 months PITI reserves.

Client Complete

0466205829

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection subsequent to FEMA declared disasters #xxxxx,xxxxx & xxxxx effective 1/12/17, 1/23/17, and 2/23/17 for Sever Winter Storms and Mudslides.

5.20.17 Post Disaster Inspection confirm no damages to property.

5.20.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower with current employer for 9 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers representative score of 722 exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Current DTI 41% is below max guideline of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: Current LTV 54.91% is below max guideline of 70%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified post closing reserves of $131,403.45 or 43.96 months PITI; guidelines require 18 months PITI reserves.

Client Complete

0981504604

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 33 months cash reserves exceeds guideline requirement of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 credit score exceeds guideline minimum of 680 by 106 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: 17.52% DTI is below guideline maximum of 43%.

Client Complete

0568471615

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 36.42 months verified post clsg reserves, 12 months required ($45,501.84) CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 36.72%, max is 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 787, minimum required is 680

Complete

0257730327

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 718 credit score exceeds guideline minimum of 680 by 38 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 12 years. CFCFS2854: Significant time in profession - Clayton Comments: Co-borrower has been in same profession for 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 45 months cash reserves exceeds guideline requirement of 12 months.

Client Complete

0171423524

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Waived

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xxx Lender included the Cash TO Borrower in Closing Costs Financed Calculation. Closing Costs Financed should show $18016.17

7.18.17 Client response- "Acknowledge differences in technical interpretations and waive the finding "

7.18.17 Final Grade B

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 58.77% is below the GL maximum of 80%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 credit score; minimum required is 720.

Complete

0171423524

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

DTI

Active

B

B

CB

CB

CRDDTI105

Debt Ratio Exception 5% or Less

No

Housing ratio of 40.16% exceeds the maximum allowable housing ratio per guidelines of 36% by 4.16%. Lender approved exception in file with compensating factors of low LTV and high credit score.

7.6.17 Client response- Agree, business followed exception protocols as documented

7.6.17 Exception remains. After further review, exception is non-material. 58.77% LTV is below 80% max per guidelines, and 758 score exceeds 720 minimum required.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 58.77% is below the GL maximum of 80%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 credit score; minimum required is 720.

Complete

0112177010

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The legal documents reflect XXX for the loan officer, the NMLS registry reflects XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves is $129,258.55 or 41.20 months PITI reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 credit score exceeds guideline minimum of 680 by 94 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 21.05%.

Complete

0112177010

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD xx.xx.xxxx Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. 495000 - 482088.52-4767.34 = 8144.14

5.31.17-Lender provided a rebuttal indicating they disagree. Lender's rebuttal: Disagree with investor. The Wells Fargo Compliance Team does not validate the accuracy of the Closing Costs Financed (Paid from your Loan Amount) figure in the Calculating Cash to Close Table. However, per CFPB Guide to loan estimate and closing disclosure forms, Closing Costs Financed (Paid from your Loan Amount) is the sum of the amounts in the Final column of the Loan Amount and Total Payoffs and Payments. However, the amount is disclosed only if the sum is greater than zero and no larger than the Total Closing Costs (deducting the amount in the Final column of Closing Costs Paid Before Closing). (§ 1026.38(e)(6)). For this loan, the Closing Costs Financed (Paid from your Loan Amount) figure of $8,794.02 (the Total Closing Costs) disclosed on the Final CD dated 3/20/2017 is accurate because the Cash to Close to the borrower of $4,767.34 exceeds the Closing Costs Paid Before Closing of $649.88. This is not a testing defect so corrective action is not required.Rebuttal is deficient The regulation is clear on how to determine the amount financed by loan on the CD. CFPB rule 1026.38(J)(4)(ii):For purposes of this paragraph (j), closing funds means funds collected and disbursed at real estate closing. If we use the example provided to use by the CFPB documents you will see the amount of Closing Cost is charges not paid with closing funds and should be removed from total of Closing cost due to already being funded. Then the New Closing cost if loan is used to fund then that amount should be disclosed in the Closing Costs Financed (paid from your Loan Amount) not to be less than $0

5.31.17- exception remains

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves is $129,258.55 or 41.20 months PITI reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 credit score exceeds guideline minimum of 680 by 94 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 21.05%.

Complete

0112177010

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No subsequent inspection was included in the loan file. Fema disaster severe winter storms, flooding, and mudslides on 1/23/17.

5.8.17 Client provided email from lender stating they pulled FEMA disaster address lookup with no issues. However, a post disaster inspection is needed to clear the exception. 5.9.17 Post Disaster Inspection provided reflecting no damage.

5.9.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves is $129,258.55 or 41.20 months PITI reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 credit score exceeds guideline minimum of 680 by 94 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 21.05%.

Complete

0708956123

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

5.4.17 - Lender provided WLP.

5.4.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 791. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves is $1,037,278.40 and 154 months reserves exceeds guideline requirement of 12 months.

Client Complete

0599093146

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

CC

CB

VA

VA

RD

RB

Compliance

Compliance Manual

Active

D

B

RD

RB

CMPMAN2478

Missing Legal Documentation

No

Missing Borrower acknowledgment of Appraised Value being appraised lower than Sales Price; Sales Price of $xxx vs Appraised Value of $xxx.

(No Data)

Exception is non material due to borrower bringing $171,829.12 of own funds to transaction, and sales price disclosed on Final CD.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 808; minimum required credit score per guidelines is 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time in profession for 19.00 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets of $376,966.04 or 111.04 months PITIA reserves. 12 months PITIA reserves required for the subject property ($3,384.93 x 12= $40,619.16) total reserves required.

Complete

0599093146

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

CC

CB

VA

VA

RD

RB

Credit

Credit/Mtg History

Active

C

B

CC

CB

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

The Borrower(s) credit report discloses 3 open trade lines. Only one tradeline has been active in the most recent 12 months, the other two are inactive. Guidelines for the Borrower(s) to have three recent 12 month active tradelines, with at least a 24 month history.

(No Data)

After further review by Senior Underwriter, exception is non material. Borrower has 808 credit score and 111 months reserves. Recent activity offset by established closed accounts.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 808; minimum required credit score per guidelines is 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time in profession for 19.00 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets of $376,966.04 or 111.04 months PITIA reserves. 12 months PITIA reserves required for the subject property ($3,384.93 x 12= $40,619.16) total reserves required.

Complete

0599093146

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

CC

CB

VA

VA

RD

RB

Credit

Income/Employment

Active

N/A

B

N/A

CB

CRDINC150

Income docs do not meet guidelines

No

Provide the fully executed and dated Initial 4506-T form as only the Final 4506-T form was located.

(No Data)

5.25.17 Exception is non-material as final 4506t is adequate to request tax transcripts.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 808; minimum required credit score per guidelines is 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time in profession for 19.00 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post close assets of $376,966.04 or 111.04 months PITIA reserves. 12 months PITIA reserves required for the subject property ($3,384.93 x 12= $40,619.16) total reserves required.

Complete

0636482348

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

1. Missing credit report use to qualify borrower. 2.Please provide executed mortgage. 3.Missing final 1003.

5.16.17 - Lender provided credit report, 1003 and executed mortgage.

5.16.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 22yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 28yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 30yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 43 months PITI reserves available.

Client Complete

0636482348

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Compliance Manual

Satisfied

C

A

RC

RA

CMPMAN2990

1003 - Final Application is not Accurate

No

Missing a copy of the Final 1003.

5/16/2017 - Lender provided the Final 1003

5/16/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 22yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 28yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 30yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 43 months PITI reserves available.

Client Complete

0636482348

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

File is missing executed notary acknowledgement page.

05.18.17 Lender provided a copy of the executed mortgage.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 22yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 28yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 30yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 43 months PITI reserves available.

Client Complete

0636482348

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Please provide executed mortgage.

05.18.17 Lender provided a copy of the executed mortgage.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 22yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 28yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 30yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 43 months PITI reserves available.

Client Complete

0636482348

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

C

B

RC

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

LO name on 1003 xxx, ID corresponds to xxx. No matching alternate name.

5.22.17 - Client provided exception approval to accept NMLS name variation.

5.22.17 - Non-material exception. Exception is non-material due to only variance being middle name not spelled out.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 22yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 28yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 30yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 43 months PITI reserves available.

Client Complete

0636482348

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Missing credit report

5/16/2017 - Lender provided the credit report dated 12/05/2016

5/16/2017 - Exception Satified.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 22yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 28yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 30yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 43 months PITI reserves available.

Client Complete

0636482348

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH189

Missing credit report

No

Missing credit report use to qualify borrower.

5/16/2017 - Lender provided the credit report dated 12/05/2016

5/16/2017 - Exception Satified.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 22yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 28yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 30yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 43 months PITI reserves available.

Client Complete

0636482348

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2864

Copy of Mortgage/Deed in file is incomplete

No

Please provide executed mortgage.

05.18.17 Lender provided a copy of the executed mortgage.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 22yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 28yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 30yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 43 months PITI reserves available.

Client Complete

0636482348

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Title

Satisfied

C

A

CC

CA

CRDTIL875

Title Does Not Agree With Mortgage

No

missing title to compare to mortgage.

05.18.17 Lender provided a copy of the mortgage that matches title.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 22yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 28yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 30yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 43 months PITI reserves available.

Client Complete

0636482348

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Title

Satisfied

D

A

CD

CA

CRDTIL865

Title incomplete

No

Provide title report.

05.18.17 Lender provided a copy of the title.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 22yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 28yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 30yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 43 months PITI reserves available.

Client Complete

0514841423

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. Website shows name as XXX.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 25 years in her profession. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their Primary Residence for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 722 exceeded the guideline requirement of 680 by 42 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0514841423

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Credit

Legal Documents

Satisfied

N/A

A

N/A

CA

CRDLGL2550

Missing HUD-1 from sale of property

No

Missing Proceeds from XXX out Refi prop @ XXX Netting $XXX

5.24.17 Received CD from loan closing documenting funds received $80,836.45

Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 25 years in her profession. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their Primary Residence for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 722 exceeded the guideline requirement of 680 by 42 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0514841423

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

Natural Disaster Area declaration date 4/1/17, no subsequent inspection since Fema Disaster of severe winter storms, flooding, and mudslides.

5.20.17 Post Disaster Inspection confirm no damages to property.

5.20.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 25 years in her profession. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their Primary Residence for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 722 exceeded the guideline requirement of 680 by 42 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0396510063

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for over 5yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 801. Minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25.79%. Maximum is 43%.

Client Complete

0524014745

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer’s name on the Note, Mortgage, and the 1003 is XXX. The NMLS database verified the loan officer’s name as XXX and XXX. The Reg-Z requirement is for the Originator’s name to match the NMLS website exactly.

5.10.17 Client WFHL waive issues related to exact name matches on NMLS.

5.10.17 Final Grade B.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence 8+ years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on current job 14+ years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 17.21%; max allowable per guidelines is 43%.

Client Complete

0524014745

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

05.12.17 Lender provided a copy of the HOCL.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence 8+ years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on current job 14+ years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 17.21%; max allowable per guidelines is 43%.

Client Complete

0524014745

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Service Providers not provided

05.12.17 Lender provided a copy of the SPL showing service link as the provider.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence 8+ years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on current job 14+ years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 17.21%; max allowable per guidelines is 43%.

Client Complete

0675492823

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

CA

CA

VA

VA

RC

RB

Compliance

Compliance Manual

Satisfied

C

A

RC

RA

CMPMAN2990

1003 - Final Application is not Accurate

No

Missing copy of the Final 1003.

5/09/2017 - Lender provided the final 1003, signed and dated on 3/24/2017.

5/09/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have been at current residence for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 6yrs. Co borrower has been in current profession for over 20yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has been with current employer for over 16yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 22.58 months PITI cash reserves available; per guidelines, 12 months PITI required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 790.

Complete

0675492823

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

CA

CA

VA

VA

RC

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer’s name on the Note, Mortgage, and the 1003 is XXX. The NMLS database verified the loan officer’s name as XXX. The Reg-Z requirement is for the Originator’s name to match the NMLS website exactly.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have been at current residence for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 6yrs. Co borrower has been in current profession for over 20yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has been with current employer for over 16yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 22.58 months PITI cash reserves available; per guidelines, 12 months PITI required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 790.

Complete

0373002764

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Provide third party anti fraud report.

7.13.17 Client provided third party anti fraud report

7.13.17 Exception satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 18 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 790 exceeded the guideline requirement of 680 by 110 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Complete

0373002764

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH148

Credit report stale dated at closing

No

Credit report in file dated 12/1/2016 is greater than 120 days prior to note date of xxx.

7.17.17 - Lender provided credit report from 4/4/2017.

7.17.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 18 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 790 exceeded the guideline requirement of 680 by 110 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Complete

0938591853

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing Third party anti-fraud report

7.10.17 Client provided third party anti fraud report with no alerts

7.10.17 Exception satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 12 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 770 exceeded the guideline requirement of 680 by 90 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Complete

0032209440

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

CC

CB

VA

VA

RA

RA

Credit

LTV/CLTV

Active

C

B

CC

CB

CRDLTV3024

LTV Exceeds Guideline Requirement by less than 5%

No

Per guidelines cashout max LTV is 70%, however loan LTV is 71.59%.

(No Data)

Upon further review by Clayton's Senior Underwriter, minor LTV exception deemed non-material due to credit profile and DTI.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is only 35.92%. Max per guidelines is 43%. DTI exceeds guideline requirements by 7.08 percent. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 qualifying score. Min required per guidelines is 680 exceeding guideline requirements by 104 points.

Complete

0492815225

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC796

Missing Title

No

Missing Title Commitment, pages uploaded are blank.

5/09/2017 - Lender provided Title commitment.

5/09/2017 - Exception Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.29% DTI; max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 103.16 months reserves verified. 12 months required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has had same position at job for over 15 years.

Client Complete

0014695945

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

A

CA

CA

VC

VA

RA

RA

Property Valuations

Appraisal

Satisfied

C

A

VC

VA

PRVAAPPR171

Subject Photos Unacceptable

No

Missing picture of Kitchen of subject property as required by guidelines.

05.05.17 Lender provided complete appraisal with the picture of the kitchen included.

05.05.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 806 exceeded the guideline requirement of 680 by 126 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 28.83%, max allowed is 43%

Client Complete

0784673495

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 780. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 30.02, max allowed is 43%.

Client Complete

0714114345

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

(No Data)

Client Complete

0422638517

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

CB

CB

VD

VA

RA

RA

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

B1 only has 1 trade line. 3 Trade lines are required.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 763 exceeded the guideline requirement of 680 by 83 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession.

Complete

0422638517

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

CB

CB

VD

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

Natural Disaster Area, no subsequent inspection (Public) after severe winter storms, flooding, and mudslides on or after 2/23/17.

5.9.17 Post Disaster Inspection provided reflecting no damage.

5.9.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 763 exceeded the guideline requirement of 680 by 83 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession.

Complete

0422638517

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

CB

CB

VD

VA

RA

RA

Property Valuations

Property

Satisfied

D

A

VD

VA

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Missing Condo review including budget

5/09/2017 - Lender provided the Condo Review and the Budget

5/09/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 763 exceeded the guideline requirement of 680 by 83 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession.

Complete

0447226719

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 12 months reserves required per the guide, Borrower has 31 months reserves available CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Guides require a minimum score of 720. Borrower's representative score is 775, exceeding guides

Client Complete

0114815267

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Provide third party desk review

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 credit score exceeds guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.90 DTI below guideline requirement.

Client Complete

0694516740

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS2854: Significant time in profession - Clayton Comments: 31+ years in same profession CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned and occupied the departing residence for more than 10 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 15+ years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: 40.08% LTV below guideline requirements of 80% by 39.92 points

Complete

0234016044

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing desk review to support value of $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5 years 5 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 801 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.09% is below Program Guidelines of 43.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 13 years 5 months at the current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years in their profession.Co-Borrower has 20 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 243 months PITI reserves; guidelines require 12 months

Client Complete

0807728116

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support a value of $xxxxxx

5.22.17 Desk Review received valued at $xxxxxx+AH305 dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower XXXXXX for 5.4 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXXXX for 9 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 25.52%, max allowed is 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' mid score of 781 exceeded the guideline requirement of 680.

Client Complete

0571861525

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

CC

CB

VA

VA

RA

RA

Credit

Credit/Mtg History

Active

C

B

CC

CB

CRDCRMH148

Credit report stale dated at closing

No

XXX days shortfall. The credit report dated 11/28/2016 is XXXXX days from the Note signing date of xxx of which 120 days is allowed.

(No Data)

5.25.17 Upon further reviewException is non-material as guideline overlays allow for 10 day extension to be approved.

(No Data)

(No Data)

CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.94% DTI; max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $129,020.79. Statements in file supported assets of $306,321.03 with reserves of $177,300.24 or 54.79 months PITI reserves.15 months PITI reserves required for the subject property (gap of 1 month) or $48,535.80 ($3,235.72 x 15) and 6 months PITI for departing residence ($2865.83 x 6= $17,194.98) totaling $65,730.78 total reserves required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 62 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Complete

0571861525

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

CC

CB

VA

VA

RA

RA

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Provide the current VOEs for both Borrowers' from the new employer(s) as the start date of 04/17/2017 is after consummation date of xxx.

(No Data)

04.26.17 - Borrower and co-borrower have 14 years in field and an executed offer letter was provided in file, new salary was detailed and base salary was used in qualification. Calculated DTI 29.94% well below maximum of 43%, previous mortgage history 0x30 for 60 months reporting, non-material B exception.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.94% DTI; max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $129,020.79. Statements in file supported assets of $306,321.03 with reserves of $177,300.24 or 54.79 months PITI reserves.15 months PITI reserves required for the subject property (gap of 1 month) or $48,535.80 ($3,235.72 x 15) and 6 months PITI for departing residence ($2865.83 x 6= $17,194.98) totaling $65,730.78 total reserves required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 62 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Complete

0248112584

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS has middle name.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.55% DTI; max per guidelines is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.81% LTV; max per guidelines is 80% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 13.05 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers have a qualifying credit score of 814.

Client Complete

0583480065

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

Property Valuations

Appraisal

Satisfied

N/A

A

N/A

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

5.22.17 Desk Review received valued at $xxxxxx+AH343 dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Credit report reflects no lates in a 24 month period. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been at current profession 16 years.

Client Complete

0971636256

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

DTI

Satisfied

B

A

CB

CA

CRDDTI106

Debt Ratio Exception >5% and <10%

No

Exception noted on UW summary for DTI exception to 50% but if PITIA is included DTI exceeds 50% for REO XXX.

5.10.17 Lender provided Hud settlement statement dated 3/30/17 for property XXX.

5.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The median credit score of 791 is 111 more points than minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 45.64% is 34.36% less than the maximum LTV of 80%. CFCFS1736: Significant time at current residence - Clayton Comments: 16.7 years in current departure residence.

Client Complete

0971636256

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2302

Missing Required Income Documentation

No

File is missing documentation for income distribution of borrower 2's pension/retirement.

5.10.17 Lender provided Pension award letter from XXX showing benefits of $XXX for remainder of lifetime. Also provide 2 months bank statements showing benefits being received.

5.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The median credit score of 791 is 111 more points than minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 45.64% is 34.36% less than the maximum LTV of 80%. CFCFS1736: Significant time at current residence - Clayton Comments: 16.7 years in current departure residence.

Client Complete

0971636256

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Retirement/pension documents missing from file for borrower 2.

5.10.17 Lender provided Pension award letter from XXX showing benefits of $XXX for remainder of lifetime. Also provide 2 months bank statements showing benefits being received.

5.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The median credit score of 791 is 111 more points than minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 45.64% is 34.36% less than the maximum LTV of 80%. CFCFS1736: Significant time at current residence - Clayton Comments: 16.7 years in current departure residence.

Client Complete

0971636256

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2550

Missing HUD-1 from sale of property

No

Per final Underwriting transmittal 1008 primary current residence PITIA excluded from ratios missing HUD from sale, exception noted on UW summary for DTI exception to 50% but if PITIA is XXX.

5.10.17 Lender provided Hud settlement statement dated 3/30/17 for property XXX.

5.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The median credit score of 791 is 111 more points than minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 45.64% is 34.36% less than the maximum LTV of 80%. CFCFS1736: Significant time at current residence - Clayton Comments: 16.7 years in current departure residence.

Client Complete

0022402831

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

CC

CA

VA

VA

RA

RA

Credit

Insurance

Satisfied

C

A

CC

CA

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Homeowner's Declaration Policy shows coverage of $138,820.00 which does not cover the loan amount of $XXX or $XXX cost new on the appraisal report. Must provide verification of extended replacement cost, REC or HOI coverage must be increased.

05.03.17 Lender provided a dec page showing replacement cost and extended replacement cost coverage's are elected.

05.03.17 Exceptions satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The median credit score of 792 is 112 more points than minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 36.76% is 6.24% < maximum DTI of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $238,305.21 or 50.34 months PITI reserves. 12 months PITI reserves required for the subject property ($4,733.94 x 12 = $56,807.28) total reserves required.

Client Complete

0531739101

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing 3rd party anti-fraud report

7.19.17 Client provided third party anti-fraud report. Alerts were verified

7.19.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14+ years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.63% is 13.37 points below the maximum allowable DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score (745) of the primary wage earner exceed guideline requirements of 680 by 65 points

Complete

0519807589

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% tolerance fee increase between LE xx/xx/xxxx and CD xx/xx/xxxx by $125. The appraisal fee increased without valid documentation. Lender included a credit for the increase on the same CD.

(No Data)

4.24.2017: Exception satisfied since tolerance error was corrected on same CD

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: 9.9 years in current departure home. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The median credit score of 754 is 74 more points than minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI of 28.62% is less than the maximum DTI of 43.00%.

Client Complete

0416031356

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Missing 12 months Rental Payment History for prior residences located on XXX and XXX.

5.22.17 Lender provided 2 months cancelled checks for $4800 each for 9/2016 & 10/2016. Still missing 12 months VOR.

5.22.17 Exception remains

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrowers Representative Credit Score is 791. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with the current Employer for 10.56 years.

Complete

0900449798

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

D

A

A

A

D

A

CB

CA

VD

VA

RA

RA

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Provide a Verbal VOE within 20 business days of the note date. VVOE(s) provided in the file are dated 12/30/2016 & 02/15/2017 and the Note signing date is XXXXX.

05.09.17 Lender performed a VVOE on 3.17.17.

05.09.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 8.41 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.68% LTV is 28.32% less than the maximum program LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 796 is 116 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $338,441.96 or 87.89 months of PITIA reserves. 12 months required for the subject property ($3,850.84 x 12 = $46,210.08) total reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.03% DTI is below the maximum allowed DTI of 43%.

Client Complete

0900449798

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

D

A

A

A

D

A

CB

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Missing completion cert per guidelines. Provide clear completion certification for subject property.

5.22.17 - Lender provided a rebuttal indicating they disagree. Lender's rebuttal: "Loan notes xx/xx/xxxx indicates the 1004D (completion cert) has been ordered. However, it is still missing from file.

5.26.17 Exception remains 5.30.17 Completion Cert received . Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 8.41 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.68% LTV is 28.32% less than the maximum program LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 796 is 116 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $338,441.96 or 87.89 months of PITIA reserves. 12 months required for the subject property ($3,850.84 x 12 = $46,210.08) total reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.03% DTI is below the maximum allowed DTI of 43%.

Client Complete

0900449798

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

D

A

A

A

D

A

CB

CA

VD

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/2017 - Severe winter storms, flooding and mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.9.17 Post Disaster Inspection provided reflecting no damage.

5.9.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 8.41 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.68% LTV is 28.32% less than the maximum program LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 796 is 116 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $338,441.96 or 87.89 months of PITIA reserves. 12 months required for the subject property ($3,850.84 x 12 = $46,210.08) total reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.03% DTI is below the maximum allowed DTI of 43%.

Client Complete

0364392314

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Credit

Assets

Satisfied

B

A

CB

CA

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

File is missing verification of the EMD wire out for $74,000. File contains XXX statement reflecting amount for the EMD transferred to another account on 1/25/2017; however, no statements were provided from this account verifying this was the wire sent out for the EMD.

05.05.17 Lender provided a copy of the EMD receipt for the $74,000 to the title.

05.05.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers have a qualifying credit score of 780. 680 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 37.32 months of PITI reserves. 12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.33% DTI is below the maximum allowed DTI of 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower with same employer for 6.73 years.

Client Complete

0052525843

XXXXXX

ME

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

CC

CB

VA

VA

RA

RA

Credit

Credit/Mtg History

Active

C

B

CC

CB

CRDCRMH148

Credit report stale dated at closing

No

XXX days credit report shortfall. The credit report dated 11/25/2016 is XXXXX days old from the Note signing date of xxx. Guidelines require credit documents to be within 120 days.

(No Data)

05.25.17 Exception is non-material. Guideline overlays allow an extension to be granted up to 10 additional days.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $91,643.70 assets or 26.09 post closing PITIA reserves available, 12 months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 810 exceeds the GL requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 19 years in current job.

Complete

0974107324

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.10.17 Client WFHL waive issues related to exact name matches on NMLS.

5.10.17 Final Grade B.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 106.21 months verified post clsg reserves, 12 months required ($3,060.03 X 12=$36,720.36) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 766, minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 22.10%, max is 43% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has been employed as a XXXXX for 6 years.

Complete

0974107324

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Repayment Ability

Active

B

B

RB

RB

CMPSTRA1499

MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst

No

Provide MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 106.21 months verified post clsg reserves, 12 months required ($3,060.03 X 12=$36,720.36) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 766, minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 22.10%, max is 43% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has been employed as a XXXXX for 6 years.

Complete

0974107324

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

05.12.17 Lender provided a copy of the HOCL.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 106.21 months verified post clsg reserves, 12 months required ($3,060.03 X 12=$36,720.36) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 766, minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 22.10%, max is 43% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has been employed as a XXXXX for 6 years.

Complete

0974107324

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

State Consumer Protection

Active

B

B

RB

RB

CMPSTCP1539

MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst

No

Provide MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 106.21 months verified post clsg reserves, 12 months required ($3,060.03 X 12=$36,720.36) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 766, minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 22.10%, max is 43% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has been employed as a XXXXX for 6 years.

Complete

0974107324

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Service providers list is missing from the loan file

05.12.17 Lender provided a copy of the SPL.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 106.21 months verified post clsg reserves, 12 months required ($3,060.03 X 12=$36,720.36) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 766, minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 22.10%, max is 43% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has been employed as a XXXXX for 6 years.

Complete

0974107324

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

CD shows 0% Tolerance Credit for $554.88 for the Appraisal Fee and Credit Report Fee, however Lender gave Borrower credit to cure the issue.

(No Data)

5/1/17 - Exception satisfied as Non-Material as Final CD corrected the issue.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 106.21 months verified post clsg reserves, 12 months required ($3,060.03 X 12=$36,720.36) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 766, minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 22.10%, max is 43% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has been employed as a XXXXX for 6 years.

Complete

0271155123

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

Resident alien cards for B1 and B2 not provided.

5.09.2017 - Lender provided Visa for B1 and B2. However we still need the permanent resident alien cards.5.23.17 - Lender provided the E2 VISAs for B1 and B2.

5.23.2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 36 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower representative score of 743 exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 16 years at current job.

Client Complete

0271155123

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Credit

Assets

Satisfied

B

A

CB

CA

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

100% access letter for account XXXXX not provided.

5.23.2017 - Lender provided the information to support access.

5.23.2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 36 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower representative score of 743 exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 16 years at current job.

Client Complete

0271155123

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Need evidence of bonus income paid, 2016, 2015.

5.09.2017 - Lender provided Paystub without a record of bonus. A payroll history for the 2014 was provided missing evidence of 2015/2016. Provide evidence of the Bonus history.5.23.17 - Lender provided evidence of Bonus history.

5.23.2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 36 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower representative score of 743 exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 16 years at current job.

Client Complete

0271155123

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Property Valuations

Property

Satisfied

D

A

VD

VA

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Condo questionnaire, condo review missing.

05.09.17 Lender provided a copy of the condo cert, approval, and review.

05.09.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 36 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower representative score of 743 exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 16 years at current job.

Client Complete

0993336234

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not found in the file.

5.10.17: Lender provided counseling list.

5.10.17: Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $198,067.90 or 56.80 months reserves. Guidelines require 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 809.

Client Complete

0993336234

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

State Consumer Protection

Satisfied

D

A

RD

RA

CMPSTCP2057

Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file

No

Missing disclosure from loan file

5/16/2017 - Lender provided the Certificate of Excemption.

5/16/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $198,067.90 or 56.80 months reserves. Guidelines require 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 809.

Client Complete

0993336234

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not found in the file.

5.10.17: Lender provided SPL.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $198,067.90 or 56.80 months reserves. Guidelines require 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 809.

Client Complete

0252702162

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

C

B

D

B

CD

CB

VA

VA

RC

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

C

A

RC

RA

CMPATRQM2906

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors

No

File is missing a current, signed lease agreement and 3 months cancelled checks verifying receipt of rental income for rental property located at XXX.

5.10.17 Lender provided lease and proof received rent for XXX. Bank statements show deposit of 9/07/16-1/05/17.

5.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 45.55 months PITIA. 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 800 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in current profession.

Complete

0252702162

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

C

B

D

B

CD

CB

VA

VA

RC

RB

Compliance

Documentation

Active

B

B

RB

RB

CMPDOC2500

Some funds escrowed based on written agreement for completion of improvements to property

No

Closing Disclosure shows on escrow holdback in the amount of $57,181.32 pending work completion and approval. An Escrow Holdback Agreement provided in the file is missing the sellers signature.

5.31.17 - Lender acknowledges unable to locate missing doc.

5.31.17 - Exception remains.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 45.55 months PITIA. 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 800 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in current profession.

Complete

0252702162

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

C

B

D

B

CD

CB

VA

VA

RC

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS has full middle name and first and last name only.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 45.55 months PITIA. 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 800 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in current profession.

Complete

0252702162

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

C

B

D

B

CD

CB

VA

VA

RC

RB

Credit

Ability to Repay/Qualified Mortgage

Satisfied

C

A

CC

CA

CRDATRQM3122

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination.

No

xxx status determination places loan in a different status than the Lender's status determination due to recalculated DTI of 45.31% which exceeds max allowable of 43% for QM Safe Harbor loan. Lender used rental income from an additional property owned to qualify; however, client guidelines require a two-year history of property management experience as evidenced by the most current two years' filed and signed federal IRS 1040 tax returns. No history of receiving rental income is reflected on the prior 2 years tax returns provided in the file. As a result, the rental income was omitted from the recalculations.

5.31.17 - Lender provided overlays to allow use of rental income can copy of lease and canceled checks provided.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 45.55 months PITIA. 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 800 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in current profession.

Complete

0252702162

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

C

B

D

B

CD

CB

VA

VA

RC

RB

Credit

DTI

Satisfied

B

A

CB

CA

CRDDTI105

Debt Ratio Exception 5% or Less

No

Recalculated DTI of 45.31% exceeds max allowable of 43%. Lender used rental income from an additional property owned to qualify; however, client guidelines require a two-year history of property management experience as evidenced by the most current two years' filed and signed federal IRS 1040 tax returns. No history of receiving rental income is reflected on the prior 2 years tax returns provided in the file. As a result, the rental income was omitted from the recalculations.

5.31.17 - Lender provided overlays that allow use of rental income and DTI is <43%.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 45.55 months PITIA. 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 800 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in current profession.

Complete

0252702162

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

C

B

D

B

CD

CB

VA

VA

RC

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

File is missing a verbal VOE within 20 business days of the note date. VVOE provided in the file is expired.

5.31.17 - Lender acknowledged they cannot locate.

5.31.17 - Exception remains, file contains 24 months of W-2s, 24 months of tax returns (not required) and YTD pay stub, borrower has been on job for last 10 years, VVOE was provided but stale, Non-Material Exception B.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 45.55 months PITIA. 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 800 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in current profession.

Complete

0252702162

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

C

B

D

B

CD

CB

VA

VA

RC

RB

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

File is missing a current, signed lease agreement and 3 months cancelled checks verifying receipt of rental income for rental property located at XXX.

5.10.17 Lender provided lease and proof received rent for XXX. Bank statements show deposit of 9/07/16-1/05/17.

5.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 45.55 months PITIA. 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 800 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in current profession.

Complete

0943993233

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID4299

TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD

No

CD dated xx/xx/xxxx- total closing costs (Section J) in LE column showing as -20926.00, does not match Final LE showing as -21107.

5.22.17 Lender provided LE dated xx/xx/xxxx still shows total closing costs (Section J) in LE column showing as -20926.00, does not match Final LE showing as -211075.30.17-Lender provided LE dated xx/xx/xxxx

5.22.17 Exception remains5.30.17-Exception satisfied

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 credit score; minimum required is 720. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 12.25 years. Co-Borrower has been in the same profession for 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.82% DTI is below the maximum allowed DTI of 43%.

Client Complete

0943993233

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID4309

TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD

No

CD dated xx/xx/xxxx shows Cash to Close in LE column as $10180.00, which does not match amount on the final LE showing as $15593.

5.22.17 Lender provided LE dated xx/xx/xxxx still shows Cash to Close in LE column as $10180.00, which does not match amount on the final LE showing as $15593.5.30.17-Lender provided LE dated xx/xx/xxxx

5.30.17-Exception satisfied

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 credit score; minimum required is 720. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 12.25 years. Co-Borrower has been in the same profession for 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.82% DTI is below the maximum allowed DTI of 43%.

Client Complete

0943993233

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID4312

TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD

No

CD dated xx/xx/xxxx- Total Payoff and payments in LE column is showing as -$604,254.00, which does not match Final LE showing as -609486.

5.22.17 Lender provided LE dated xx/xx/xxxx still showing as -$604,254.00, which does not match Final LE showing as -609486.5.30.17-Lender provided LE dated xx/xx/xxxx

5.30.17- Exception satisfied

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 credit score; minimum required is 720. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 12.25 years. Co-Borrower has been in the same profession for 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.82% DTI is below the maximum allowed DTI of 43%.

Client Complete

0943993233

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Provide third party desk review

5.22.17 Desk Review received valued at $xxxxxx+AH373 dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 credit score; minimum required is 720. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 12.25 years. Co-Borrower has been in the same profession for 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.82% DTI is below the maximum allowed DTI of 43%.

Client Complete

0409570095

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

D

A

D

B

CD

CB

VD

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Missing fully executed Deed of Trust (copies in file are not signed and dated).

5.917 - Lender provided fully executed DOT.

5.9.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 credit score; minimum required is 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers owned departure residence 29.68 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $289,100.10 or 65.24 months reserves.

Complete

0409570095

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

D

A

D

B

CD

CB

VD

VA

RD

RA

Credit

DTI

Active

B

B

CB

CB

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Document net rent loss of ($115) for XXX; guidelines require rental income supported by 2 years tax returns, lease and copy of 3 months cancelled checks. DTI is 46% using PITIA expenses of $2,164.32. Additional conditions may apply.

05.11.17 Lender provided a copy of PITI payments for XXX however in order to use rental calculations the borrower would have to provided a copy of 2 years tax returns, lease and copy of 3 months cancelled checks otherwise the full PITI payment would be used against the DTI.

05.11.17 Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 credit score; minimum required is 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers owned departure residence 29.68 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $289,100.10 or 65.24 months reserves.

Complete

0409570095

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

D

A

D

B

CD

CB

VD

VA

RD

RA

Credit

Legal Documents

Active

B

B

CB

CB

CRDLGL2550

Missing HUD-1 from sale of property

No

Missing final CD from sale of departure residence located at XXX to support the omission of taxes and insurance payments.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 credit score; minimum required is 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers owned departure residence 29.68 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $289,100.10 or 65.24 months reserves.

Complete

0409570095

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

D

A

D

B

CD

CB

VD

VA

RD

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL100

Legal document incorrect or incomplete

No

Condo Rider is not fully executed.

5.9.17 - Lender provided fully executed condo rider.

5.9.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 credit score; minimum required is 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers owned departure residence 29.68 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $289,100.10 or 65.24 months reserves.

Complete

0409570095

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

D

A

D

B

CD

CB

VD

VA

RD

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Missing the Appraisal Update / Completion Report.

5.9.17 - Lender provided 1004D showing subject is complete.

5.9.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 credit score; minimum required is 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers owned departure residence 29.68 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $289,100.10 or 65.24 months reserves.

Complete

0409570095

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

D

A

D

B

CD

CB

VD

VA

RD

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspections since the FEMA Disasters 1/12/2017 AND 2/23/17- Severe windstorms,flooding and mudslides -. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.9.17 Post Disaster Inspection provided reflecting no damage.

5.9.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 credit score; minimum required is 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers owned departure residence 29.68 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $289,100.10 or 65.24 months reserves.

Complete

0409570095

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

D

A

D

B

CD

CB

VD

VA

RD

RA

Property Valuations

Property

Satisfied

C

A

VC

VA

PRVAPROP177

Property Issues Indicated

No

Subject condominium project has 10 units sold out of 33; 30.303%. Guidelines require at least 70% of units to be sold.

05.11.17 Lender provided a copy of the condo approval from xxxxx for the property XXXXX.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 credit score; minimum required is 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers owned departure residence 29.68 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $289,100.10 or 65.24 months reserves.

Complete

0826049529

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP157

Application Not Signed by Primary Borrower

No

Application Not Signed by Primary Borrower.

05.05.17 Lender provided a copy of signed final 1003

05.05.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 31.11%. Max per guidelines is 43%. DTI exceeds guideline requirements by 11.89 percent. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 qualifying score. Min required per guidelines is 680 exceeding guideline requirements by 106 points.

Complete

0826049529

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Credit

Assets

Active

C

B

CC

CB

CRDAST206

Asset Amounts Are Unsupported by Documentation in File

No

Missing Two months recent consecutive bank statements for account ending in xxx to support assets used for closing funds and reserves. File contains a snapshot have 8/31/16 thru 1/12/17 missing 1/12/17 to 3/8/17 statement.

(No Data)

6.1.17 – Upon further review by Sr. Underwriter exception is non-material due to compensating factors; calculated DTI of 31.11% less than guideline maximum of 43% and 786 FICO score exceeding min of 680 by 106 points. Non-Material Exception remains.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 31.11%. Max per guidelines is 43%. DTI exceeds guideline requirements by 11.89 percent. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 qualifying score. Min required per guidelines is 680 exceeding guideline requirements by 106 points.

Complete

0924722350

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

(No Data)

Client Complete

0141281544

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Please provide List of homeowners counseling organizations provided to borrower within 3 business days of loan application.

05.15.17 Lender provided a copy of the HOCL.

05.15.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI of 20.55% is 22.45% less than the maximum DTI of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets/Reserves: Verified Cash Reserves $244,710.98 or 50.92 Months PITI Reserves, minimum 12 months PITI reserves required.

Client Complete

0141281544

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Please provide Written List of Service Providers disclosed to borrower within 3 business days of loan application. Per LEs and CDs, in file, borrower was allowed to shop for title services and did shop.

05.15.17 Lender provided a copy of the service provider.

05.15.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI of 20.55% is 22.45% less than the maximum DTI of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets/Reserves: Verified Cash Reserves $244,710.98 or 50.92 Months PITI Reserves, minimum 12 months PITI reserves required.

Client Complete

0484774077

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

CC

CA

VA

VA

RA

RA

Credit

LTV/CLTV

Satisfied

C

A

CC

CA

CRDLTV3024

LTV Exceeds Guideline Requirement by less than 5%

No

Max LTV per guidelines 80% LTV of 83.53% due to appraisal provided $xxx 02/28/17 compared to Clear Capital CDA supports value of $xxx 2nd appraisal provided by same appraiser dated 03/15/2017 value is $xxx.

5.24.17 Client response Original appraisal was completed 2/28/17 for $xxx. An appraisal reconsideration (dispute) was initiated 3/3/17 based on the comparables. The 2nd appraisal was completed 3/15/17 for $xxx reviewed and approved by xxx. The revised value is still lower than anticipated but purchase price remained at $xxx and borrower paid the difference. However, the lowest appraised value is used unless there is documentation that value increased from documented improvements. 6.2.17 - Lender provided rebuttal with documentation to support the value increase and the use of the higher appraisal.

6.2.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $136,538.65 or 15.91 months PITIA. 12 months required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned departure residence for 5.58 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 772 is 52 points above minimum program requirement of 720.

Complete

0484774077

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

CC

CA

VA

VA

RA

RA

Property Valuations

Appraisal

Satisfied

N/A

A

N/A

VA

PRVAAPPR3116

Missing updated valuation

No

CDA ordered on 6.2.17 to support the revised appraisal value of $xxx.

6.6.17 Desk review received valued at $xxx dated 6.6.17, value supported.

6.6.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $136,538.65 or 15.91 months PITIA. 12 months required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned departure residence for 5.58 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 772 is 52 points above minimum program requirement of 720.

Complete

0986241330

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

B

A

D

A

CD

CA

VA

VA

RB

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

N/A

A

N/A

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Provide documentation for PITIA for the XXX property.

5/19/2017 - Lender provided the PITI for the XXX XXXXX Property

5/19/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Guides require minimum fico score of 680. Borrower's representative score is 763. Exceeding guides CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Guides require 6 months PITA- Borrower has 14.59 months PITA exceeding guides

Client Complete

0986241330

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

B

A

D

A

CD

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Please provide List of homeowners counseling organizations disclosed to borrower within 3 business days of loan application.

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Guides require minimum fico score of 680. Borrower's representative score is 763. Exceeding guides CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Guides require 6 months PITA- Borrower has 14.59 months PITA exceeding guides

Client Complete

0986241330

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

B

A

D

A

CD

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Please provide Written List of Service Providers disclosed to borrower within 3 business days of loan application. Per LEs and CDs, in file, borrower was allowed to shop for title services and did shop

5/15/17 - Lender provided SPL disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Guides require minimum fico score of 680. Borrower's representative score is 763. Exceeding guides CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Guides require 6 months PITA- Borrower has 14.59 months PITA exceeding guides

Client Complete

0986241330

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

B

A

D

A

CD

CA

VA

VA

RB

RA

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Provide verification of all components of the PITI for the xxx.

5/19/2017 - Lender provided PITI verification for the xxx.

5/19/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Guides require minimum fico score of 680. Borrower's representative score is 763. Exceeding guides CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Guides require 6 months PITA- Borrower has 14.59 months PITA exceeding guides

Client Complete

0077767030

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

CC

CA

VA

VA

RA

RA

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST205

Insufficient Funds to Close

No

Insufficient verified funds to close. Unable to verify EMD $39,000 or additional liquid funds to support funds at close of $128,130.47. Per UW notes on 1008 stated wouldn't request proof of liquidation, however do need proof in order to clear.

5.20.17 Lender provided asset documentation. Per Guidelines state that UW may use judgment in requiring proof of liquidation. No PCL exception in file.

5.20.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.20% DTI is below the maximum of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been at current job for 20 years

Client Complete

0037675837

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower is XXX; XXX for 10.5 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 59 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower at current residence for 5.4 months.

Client Complete

0914993984

XXXXXX

IN

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing documentation to complete the ATR/QM status determination review: - Provide copy of final signed HUD-1 for sale of departing residence at XXX or Mortgage Statement showing that insurance and taxes are included in the payment.

5.10.17 Lender provided Online Payoff Detail page which shows the property located XXX being paid off on 3/17/17.

5.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers' resided at current residence for 10.8 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 18 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 36.79% is 6.21% < maximum DTI of 43.00%.

Client Complete

0914993984

XXXXXX

IN

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2550

Missing HUD-1 from sale of property

No

Provide copy of final signed HUD-1 for sale of departing residence at XXX or Mortgage Statement showing that insurance and taxes are included in the payment (Lender included the departing residence on liability and did not use the proceeds for assets).

5.10.17 Lender provided Online Payoff Detail page which shows the property located XXX being paid off on 3/17/17.

5.10.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers' resided at current residence for 10.8 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 18 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 36.79% is 6.21% < maximum DTI of 43.00%.

Client Complete

0881498003

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

A

A

A

B

B

CB

CB

VB

VA

RA

RA

Credit

Terms/Guidelines

Active

B

B

CB

CB

CRDTER110

Loan amount exceeds guideline maximum

No

Loan amount of $xxx exceeds guideline maximum of $xxx. File contained lender's exception for loan amount above guideline max.

7.11.17 Client response- Agree, business followed exception protocols as documented.

7.11.17 Exception remains. After further review, exception is non-material as exception allowed per overlays Borrower has 20 years in profession, and 725 credit score exceeds minimum 700 by 25 points. Borrower has $28,629 residual income.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 725 exceeded the guideline requirement of 680 by 45 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 20 years in his profession.

Complete

0881498003

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

A

A

A

B

B

CB

CB

VB

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA229

Natural Disaster Area, Subseq inspect prior to Disaster (Public)

No

Subsequent property inspection (field review) dated xxx was prior to the FEMA declared disaster on xxx Public Severe Winter Storms, Flooding, and Mudslides.

7.12.17 - Post Disaster Inspection from xxx received reflecting no damage.

7.12.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 725 exceeded the guideline requirement of 680 by 45 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 20 years in his profession.

Complete

0772851758

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

7.1.17 Client acknowledged waiver of issues related to exact name match on NMLS

7.10.2017 Final Grade B. Exception is non material as only variation is middle name.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD required funds to close of $31,2207.59. Statements in file supported assets of $752,151.78 with reserves of $439,944.19. 12 months reserves required ($13,296.79 x 12 =$159,561.48) total reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has 779 representative score and exceeds the GL min 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8.11 years on job.

Complete

0297933455

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

Compliance Manual

Active

B

B

RB

RB

CMPMAN2954

Missing Initial Escrow

No

Borrower is a First Time Homebuyer and the escrows are waived. An exception was approved dated 04/19/2017 due to Borrower has an excessive PCL. The exception form approval noted however exception remains.

5.28.17 Lender rebuttal LVAM tracking approved - First Time Homebuyer Escrow Waiver. Tracking approved under the PCO delegated authority.

5.28.17 Exception remains due to not meeting guidelines for first time homebuyers DTI of 35%

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $XXX or 207.01 months PITI reserves. 12 months PITIA reserves required for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 credit score; minimum required is 680. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 42 months satisfactory rent payment history 0 x 30.

Complete

0297933455

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% Tolerance Violation for raising of appraisal fee with no COC or Explanation of increase. The credit report fee increased from $0.00 on LE to Initial CD to $20.96. However Lender gave Borrower a $20.96 on the Final CD.

(No Data)

05/17/2017: Exception satisfied as Non-Material as the Final CD corrected the issue.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $XXX or 207.01 months PITI reserves. 12 months PITIA reserves required for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 credit score; minimum required is 680. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 42 months satisfactory rent payment history 0 x 30.

Complete

0297933455

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

DTI

Active

B

B

CB

CB

CRDDTI105

Debt Ratio Exception 5% or Less

No

1.02% front end DTI shortfall. The front end DTI of 36.02% is 1.02% > First Time Homebuyer maximum DTI of 35.00%.

5.28.17 Lender rebuttal LVAM tracking approved - First Time Homebuyer Escrow Waiver. Tracking approved under the PCO delegated authority with ratio(s) 35.999 / 36.536.

5.28.17 Exception remains due to not meeting guidelines for first time homebuyers DTI of 35%

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $XXX or 207.01 months PITI reserves. 12 months PITIA reserves required for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 credit score; minimum required is 680. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 42 months satisfactory rent payment history 0 x 30.

Complete

0297933455

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Property Valuations

Appraisal

Satisfied

N/A

A

N/A

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation. Desk review ordered and pending receipt.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $XXX or 207.01 months PITI reserves. 12 months PITIA reserves required for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 credit score; minimum required is 680. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrower has 42 months satisfactory rent payment history 0 x 30.

Complete

0152790510

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

B

A

A

A

B

A

CA

CA

VB

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

Severe Winter Storms, Flooding, and Mudslides Natural disaster on 4/1/17 with no subsequent inspection in file.

5.9.17 Post Disaster Inspection provided reflecting no damage.

5.9.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico score 733 exceeds guidelines requirements of 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for over 16 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for over 20 years.

Client Complete

0162603387

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Credit

Assets

Active

D

B

CD

CB

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Missing documentation of $12,350 EMD as required by guidelines.

05.12.17 Lender provided a copy of the final CD, however, this does not suffice for missing EMD documentation. Please provide a copy of the canceled check, source of funds, title or escrow co receipt of funds.5.22.17 - Lender provided a rebuttal indicating they disagree. Lender's rebuttal: "Lender guidelines requires evidence that the earnest money cleared the borrower's account prior to the date the balance was verified. However, the Purchase Agreement was executed xxx after the date all balances were verified so the earnest money could not have cleared any of the verified accounts used for closing. EMD was not considered (used) by the underwriter in available cash to close.

05.12.17 Exception remains.5.26.17 After further review Clayton deems verification of the EMD to be non-material as it was not deducted from funds required.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.66%; max per guidelines is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments: 56.28% LTV; max per guidelines is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $543,231.50. Statements in file supported assets of $1,863,682.19 with reserves of $1,320,450.69.12 months reserves required or $45,804.00 ($3817.00 x 12).

Complete

0286688537

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

B

A

RB

RA

CMPDOC2514

Mortgage/Deed of Trust has not been recorded and/or sent for recording

No

Missing executed Mortgage

5/09/2017 - Lender provided the executed and notarized Mortgage.

5/09/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score of xxx exceeded the guideline requirement of xxx by xxx points. CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI of xxx is xxx less than the maximum DTI of xxx. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of xxx is xxx less than the maximum LTV of xxx.

Client Complete

0286688537

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Missing executed Mortgage

5/09/2017 - Lender provided the executed and notarized Mortgage.

5/09/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score of xxx exceeded the guideline requirement of xxx by xxx points. CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI of xxx is xxx less than the maximum DTI of xxx. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of xxx is xxx less than the maximum LTV of xxx.

Client Complete

0286688537

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Missing executed Mortgage

5/09/2017 - Lender provided the executed and notarized Mortgage.

5/09/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score of xxx exceeded the guideline requirement of xxx by xxx points. CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI of xxx is xxx less than the maximum DTI of xxx. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of xxx is xxx less than the maximum LTV of xxx.

Client Complete

0971072166

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

C

A

D

A

D

A

CB

CA

VC

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing Settlement statement from sale of departure residence to confirm funds to close of $251,414.70 and omission of debt obligation of $2763.00

5.10.17 Lender provided a certified statement of sale which breaks down funds to close, and also copies of checks.

5.10.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8.93 years at current employer. CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI of 24.76% is 18.24% less than the maximum DTI of 43.00%.

Client Complete

0971072166

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

C

A

D

A

D

A

CB

CA

VC

VA

RD

RA

Credit

Legal Documents

Satisfied

B

A

CB

CA

CRDLGL2550

Missing HUD-1 from sale of property

No

Missing Settlement statement from sale of departure residence to confirm funds to close of $251,414.70 and omission of debt obligation of $2763.00

5.10.17 Lender provided a certified statement of sale which breaks down funds to close, and also copies of checks.

5.10.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8.93 years at current employer. CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI of 24.76% is 18.24% less than the maximum DTI of 43.00%.

Client Complete

0971072166

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

C

A

D

A

D

A

CB

CA

VC

VA

RD

RA

Property Valuations

Property

Satisfied

C

A

VC

VA

PRVAPROP177

Property Issues Indicated

No

Flip Tax was 20% as guidelines is to be 5%. Lender with exception as that was the first transfer and future flip tax to be 5%

5.10.17 Lender provided flip tax document. Per guidelines 5% is okay.

5.10.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: 8.93 years at current employer. CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI of 24.76% is 18.24% less than the maximum DTI of 43.00%.

Client Complete

0471215130

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

C

A

D

A

D

A

CA

CA

VC

VA

RD

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Home Owner's Counseling list is missing from file.

5/15/17 - HOC List provided Dated 12/29

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 782. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 19%, maximum DTI allowed is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.64%, maximum LTV allowed is 80%.

Client Complete

0471215130

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

C

A

D

A

D

A

CA

CA

VC

VA

RD

RA

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

ROR is missing from file.

5/15/17 - Signed ROR for all Borrowers Provided

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 782. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 19%, maximum DTI allowed is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.64%, maximum LTV allowed is 80%.

Client Complete

0471215130

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

C

A

D

A

D

A

CA

CA

VC

VA

RD

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers is missing from the file.

5/15/17 - SPL provided Dated 12/29

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 782. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 19%, maximum DTI allowed is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.64%, maximum LTV allowed is 80%.

Client Complete

0471215130

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

C

A

D

A

D

A

CA

CA

VC

VA

RD

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support appraised value of $xxxxxx.

5.2.17 Desk Review received value at $xxxxxx dated 5.2.17, value supported.

5.2.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 782. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 19%, maximum DTI allowed is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.64%, maximum LTV allowed is 80%.

Client Complete

0471215130

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

C

A

D

A

D

A

CA

CA

VC

VA

RD

RA

Property Valuations

Property

Satisfied

C

A

VC

VA

PRVAPROP177

Property Issues Indicated

No

Missing condo approval documentation. Provide all required documents for condo approval per guidelines.

5/16/2017 - Lender Provided the condo approval per guidelines.

5/16/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 782. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 19%, maximum DTI allowed is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.64%, maximum LTV allowed is 80%.

Client Complete

0174347186

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

D

A

C

B

D

B

CC

CA

VD

VA

RC

RB

Compliance

Federal Consumer Protection

Waived

C

B

RC

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS reflects xxx, xxx, xxx and xxx. Documents executed as xxx.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception. Exception is non-material as only variation is middle initial.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 774 is 94 points higher then the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.40% is 22.6% lower than the maximum DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 59.21 months or $473,688.68. Requires 12 months.

Client Complete

0174347186

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

D

A

C

B

D

B

CC

CA

VD

VA

RC

RB

Credit

LTV/CLTV

Satisfied

C

A

CC

CA

CRDLTV3024

LTV Exceeds Guideline Requirement by less than 5%

No

LTV of 83.93% exceeds 80% maximum based on appraised value of $xxx and loan amount of $xxx. Lender used $xxx value from field review

5.26.2017 - Client rebuttal - There was a value reconsideration (dispute) after the $xxx appraisal was completed. RVS (Residential Valuation Services) review was completed and determined the value of $xxx was supported. OPUS agreed with RVS and the collateral was approved with an increased value of $xxx = 80 LTV. However, insufficient evidence of deficient first appraisal exists to justify increase in appraised value. 6.2.17 - Lender provided rebuttal with documentation supporting the use of the $xxx field review value.

6.2.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 774 is 94 points higher then the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.40% is 22.6% lower than the maximum DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 59.21 months or $473,688.68. Requires 12 months.

Client Complete

0174347186

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

D

A

C

B

D

B

CC

CA

VD

VA

RC

RB

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

4.19.17 Desk review received valued at $xxx dated 4/19/17, value supported.

4.19.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 774 is 94 points higher then the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.40% is 22.6% lower than the maximum DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 59.21 months or $473,688.68. Requires 12 months.

Client Complete

0174347186

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

D

A

C

B

D

B

CC

CA

VD

VA

RC

RB

Property Valuations

Property

Satisfied

C

A

VC

VA

PRVAPROP2674

Property Issues Indicated 2

No

The condo developer owns more than 10% of the project units.

5/19/2017 - Lender provided the approval for a single owner owning more than 10%.(15.72%.)

5/19/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 774 is 94 points higher then the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.40% is 22.6% lower than the maximum DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 59.21 months or $473,688.68. Requires 12 months.

Client Complete

0174347186

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

D

A

C

B

D

B

CC

CA

VD

VA

RC

RB

Property Valuations

Property

Satisfied

D

A

VD

VA

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Provide the condo questionnaire and condo budget.

5.26.17 - Lender provided XXX Approval

5.26.17 - Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 774 is 94 points higher then the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.40% is 22.6% lower than the maximum DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 59.21 months or $473,688.68. Requires 12 months.

Client Complete

0717944526

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

D

A

D

A

CA

CA

VD

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC225

Missing Rider

No

Condo Rider not provided.

5.25.17 - Lender provided signed mortgage & rider.

5.25.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 75 months post closing cash reserves available, CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has 775 representative score. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12 years in current job.

Client Complete

0717944526

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

D

A

D

A

CA

CA

VD

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Notary and borrower did not sign mortgage.

5.25.17 - Lender provided signed mortgage & rider.

5.25.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 75 months post closing cash reserves available, CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has 775 representative score. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12 years in current job.

Client Complete

0717944526

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

D

A

D

A

CA

CA

VD

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Mortgage in file is not signed.

5.25.17 - Lender provided signed mortgage & rider.

5.25.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 75 months post closing cash reserves available, CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has 775 representative score. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12 years in current job.

Client Complete

0717944526

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

D

A

D

A

CA

CA

VD

VA

RD

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Provide third party desk review

5.22.17 Desk Review received valued at $xxxxxx dated 5.21.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 75 months post closing cash reserves available, CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has 775 representative score. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12 years in current job.

Client Complete

0271974437

XXXXXX

AK

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

B

CA

CA

VD

VB

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing the updated CDA.

5.26.17 Desk Review received valued at $xxx dated 5.26.17, value not supported.

5.26.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 787 is 107 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 20.35% below the maximum DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 36.98 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 142.98 months of PITI reserves. 12 months required.

Complete

0271974437

XXXXXX

AK

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

B

CA

CA

VD

VB

RA

RA

Property Valuations

Value

Satisfied

N/A

A

N/A

VB

PRVAVALU153

Value Not Supported

No

5.26.17 Field Review Ordered.

6.22.17 Field Review received valued at $xxx dated 6.22.17, value supported.

6.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 787 is 107 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 20.35% below the maximum DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 36.98 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 142.98 months of PITI reserves. 12 months required.

Complete

0865726448

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Individual originator XXX per NMLS is XXX or XXX and no other names.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 20 Months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 717 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years in current profession.

Client Complete

0865726448

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 02/23/2017 Severe winter Storms, Flooding, and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.9.17 Post Disaster Inspection provided reflecting no damage.

5.9.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 20 Months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 717 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years in current profession.

Client Complete

0641387035

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves is $305,945.04 and 54.98 Month PITI reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score 785 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 13 years in current profession.

Client Complete

0499290107

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Credit

Income/Employment

Active

N/A

B

N/A

CB

CRDINC150

Income docs do not meet guidelines

No

Provide the fully executed and dated Initial and Final 4506-T forms as both are not located in the file.

(No Data)

After further review, exception is non-material. Only one 4506t is required to acquire transcripts. Borrower has low DTI of 29.78% and high credit score of 757.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 120.06 months PITIA. 12 months PITIA required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 757 exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with the same employer for 11.80 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.78% DTI is below the maximum allowed DTI of 43%.

Complete

0499290107

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Credit

Legal Documents

Active

D

B

CD

CB

CRDLGL2550

Missing HUD-1 from sale of property

No

Provide copy of Final Signed/Notarized Closing Disclosure for sale of departing residence at xxx (the CD was located however it was not signed or notarized.

(No Data)

After further review, exception is non-material. Borrower has 120 months PITI reserves, low DTI of 29.78%, and high credit score of 757.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 120.06 months PITIA. 12 months PITIA required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 757 exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with the same employer for 11.80 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.78% DTI is below the maximum allowed DTI of 43%.

Complete

0984113789

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 19.47%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 765.

Client Complete

0543517325

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

B

A

D

A

CD

CA

VA

VA

RB

RA

Compliance

Compliance Manual

Satisfied

B

A

RB

RA

CMPMAN2992

1003 - Initial Application is not Accurate

No

Provide the Initial loan application as not located in the file. File only includes final 1003

7.12.17 Client provided initial 1003 signed by Loan Originator

7.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 25.05%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 763; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been xxx of xxx for 9.4 years.

Complete

0543517325

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

B

A

D

A

CD

CA

VA

VA

RB

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Provide 3rd-party DataVerify/Fraud tool report.

7.12.17 Client provided third party fraud report with no alerts

7.12.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 25.05%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 763; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been xxx of xxx for 9.4 years.

Complete

0543517325

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

B

A

D

A

CD

CA

VA

VA

RB

RA

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH148

Credit report stale dated at closing

No

Credit report dated 01.05.2017 is > 120 days from the Note signing date of xxx (a credit supplement was provided dated 01.31.2017 however it was only for the VOR only, no liabilities were included).

7.17.17 - Lender's rebuttal: Lender's credit policy permits up to a 10-day variance to the maximum age of documents. Credit expiration extension was granted from 05-05-2017 to 05-15-2017 (attached); note is dated xxx. Clayton: Copy of extension provided.

7.17.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 25.05%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 763; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been xxx of xxx for 9.4 years.

Complete

0742116449

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

CB

CB

VD

VA

RA

RA

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Borrower has 2 qualifying tradelines; Guidelines require 3. Remaining accounts on credit report are authorized user accounts. Exception approved per underwriter decision summary dated 02/10/2017 by XXX. Exception noted however exception remains.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 788 exceeded the guideline requirement of 680 by 108 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 18.89%. Guideline maximum is 43%.

Complete

0742116449

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

CB

CB

VD

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Provide 12 months VOR history @ 0 x 12 with a profession management company or 12 months cancelled checks.

5/09/2017 - Lender provided the credit report to support the 12 months.

5/09/2017 - Exceptions Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 788 exceeded the guideline requirement of 680 by 108 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 18.89%. Guideline maximum is 43%.

Complete

0742116449

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

CB

CB

VD

VA

RA

RA

Property Valuations

Property

Satisfied

D

A

VD

VA

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Provide the Condo Project Review. The Underwriter Decision Summary has Condo Project expires 09/02/2017.

5/09/2017 - Lender provided the Condo Project Acceptance.

5/09/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 788 exceeded the guideline requirement of 680 by 108 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 18.89%. Guideline maximum is 43%.

Complete

0063998455

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Missing signed Mortgage with borrowers signatures and notary signature.

05.10.17 Lender provided a copy of the signed mortgage with notary signature.

05.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 780 is 100 points above minimum program requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower self-employed with same business for 28.94 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower with same employer for 12.93 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 104.73 months PITIA reserves. 12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.63% DTI is below the maximum allowed DTI of 43%.

Client Complete

0063998455

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Missing signed Mortgage with all Riders with borrowers signatures and notary signature.

05.10.17 Lender provided a copy of the signed mortgage with notary signature.

05.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 780 is 100 points above minimum program requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower self-employed with same business for 28.94 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower with same employer for 12.93 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 104.73 months PITIA reserves. 12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.63% DTI is below the maximum allowed DTI of 43%.

Client Complete

0063998455

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS has middle name.

5.9.17 Client WFHL approved to waive issues related to exact name matching on NMLS.

5.9.17 Final Grade B.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 780 is 100 points above minimum program requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower self-employed with same business for 28.94 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower with same employer for 12.93 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 104.73 months PITIA reserves. 12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.63% DTI is below the maximum allowed DTI of 43%.

Client Complete

0419691171

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing the HUD-1 / Final Settlement statement from sale of departure residence as indicated on 1003 as Sold and to confirm payoff/satisfaction of XXX and proceeds to borrower of $149,310 as available liquid assets to close.

05.12.17 Lender provided a copy of the seller CD showing proceeds from sale of $xxxxx

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 786 exceeds the minimum of 680

Client Complete

0419691171

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Assets

Satisfied

D

A

CD

CA

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing the HUD-1 / Final Settlement statement from sale of departure residence as indicated on 1003 as Sold and to confirm proceeds to borrower of $149,310 as available liquid assets to close.

05.12.17 Lender provided a copy of the seller CD showing proceeds from sale of $xxxxx

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 786 exceeds the minimum of 680

Client Complete

0419691171

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Legal Documents

Satisfied

B

A

CB

CA

CRDLGL2550

Missing HUD-1 from sale of property

No

Missing the HUD-1 / Final Settlement statement from sale of departure residence as indicated on 1003 as Sold and to confirm payoff/satisfaction of XXX.

05.12.17 Lender provided a copy of the seller CD showing proceeds from sale of $xxxxx.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 786 exceeds the minimum of 680

Client Complete

0611933989

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% tolerance fee increase between LE xx/xx/xxxx and CD xx/xx/xxxx by $202. A second Appraisal fee was added without valid documentation. The Lender included a credit of $202 on the same CD.

(No Data)

4/25/2017: exception satisfied since the tolerance error was corrected on the same CD.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed as the XXX for 12 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 23.36%, the maximum DTI is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 773, minimum required is 680 CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has an additional monthly income not used to qualify from his XXX in XXX in the amount of $2748.41. (12 month avg of 2015 K-1)

Client Complete

0260022542

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Provide third party desk review

5.22.17 Desk review received valued at $xxxxxx dated 5.21.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 228 months PITI reserves available. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 29yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has been with current employer for over 26yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 29yrs.Co Borrower has been in current profession for 27yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 23.15%, maximum per guidelines is 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LVT is 50.296%, maximum per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 798.

Client Complete

0795648384

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

On CD xxx, the Closing Costs Financed value of $17330.33 on the Calculating Cash to Close table does not match the Clayton calculation value of $16826.39 since the Closing Costs Paid Before Closing value was not subtracted from the Total Closing Costs.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 37.02%, the maximum DTI is 43%.

Complete

0795648384

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% tolerance fee increase between LE xxx and CD xxx by $9.00. A second Credit Report fee was added without valid documentation. Lender included a credit of $9.00 for the increase on the same CD.

(No Data)

4/25/2017: exception satisfied since the tolerance error was corrected on the same CD.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 37.02%, the maximum DTI is 43%.

Complete

0795648384

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH104

Credit score below guidelines

No

Qualifying FICO is 670; minimum required per guidelines is 720.

(No Data)

After further review by Senior Underwriter, exception is non-material. Borrower have 80 months PITI reserves

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 37.02%, the maximum DTI is 43%.

Complete

0804858638

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

A

A

D

A

D

A

CC

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing documentation to complete the ATR/QM status determination review: Provide payment and balance information for the liability listed on the Final loan application 1003 with a payment of no more than $400.00 per month.

5.31.17 - Lender provided rebuttal that the $400 was the borrower inadvertently including their utilities from previous address on the 1003. Utilities are not included in ratios.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 29.08%, maximum DTI allowed is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 785 is 105 more points than minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 13 years.

Complete

0804858638

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

A

A

D

A

D

A

CC

CA

VA

VA

RD

RA

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST205

Insufficient Funds to Close

No

$12,442.70 short funds to close shortfall. Borrower has $141,601.75 liquid assets and since no proof of Earnest Money being cashed of $20,000, provide liquidation of funds required as the Final CD requires $154,044.45 funds to close.

5.22.17 Lender provided updated Bank statements for XXX which shows enough liquid assets to close.

5.22.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 29.08%, maximum DTI allowed is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 785 is 105 more points than minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 13 years.

Complete

0804858638

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

A

A

D

A

D

A

CC

CA

VA

VA

RD

RA

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

6 months VOR shortfall. The VOR states periods covering 01/28/2017- 02/24/2017 however payments verified only 02/2016- 07/2016.

05.10.17 Lender provided a copy of XXX account detail reports showing all rental payments for 8/2016 - 02/2017.

05.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 29.08%, maximum DTI allowed is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 785 is 105 more points than minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 13 years.

Complete

0804858638

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

A

A

D

A

D

A

CC

CA

VA

VA

RD

RA

Credit

Credit/Mtg History

Satisfied

C

A

CC

CA

CRDCRMH1805

Debts/obligations not disclosed/accounted for at origination

No

Provide payment and balance information for the liability listed on the Final loan application 1003 with a payment of no more than $xxx per month.

5.31.17 - Lender provided rebuttal that the $400 was the borrower inadvertently including their utilities from previous address on the 1003. Utilities are not included in ratios.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 29.08%, maximum DTI allowed is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 785 is 105 more points than minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 13 years.

Complete

0437313321

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

B

A

B

B

D

B

CD

CA

VB

VA

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

LO's name on NMLS is XXX, name on 1003 is XXX. No alternate matching names.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 765. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has owned current business for 16yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has owned current business for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 20yrs.Co Borrower has been in current profession for 10yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 52 months PITI cash reserves available. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%.

Complete

0437313321

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

B

A

B

B

D

B

CD

CA

VB

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

Lender included closing costs paid before closing in the amount financed.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 765. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has owned current business for 16yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has owned current business for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 20yrs.Co Borrower has been in current profession for 10yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 52 months PITI cash reserves available. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%.

Complete

0437313321

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

B

A

B

B

D

B

CD

CA

VB

VA

RB

RB

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH183

Credit report incomplete

No

Missing credit score pages of credit report.

5.30.17 lender provided complete credit report dated 12/21/2016

5.30.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 765. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has owned current business for 16yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has owned current business for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 20yrs.Co Borrower has been in current profession for 10yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 52 months PITI cash reserves available. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%.

Complete

0437313321

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

B

A

B

B

D

B

CD

CA

VB

VA

RB

RB

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2408

Income verification does not meet guidelines

No

Provide most recent statement for Life Insurance payout. Last stub is dated 12.2016

5.30.17 - Client provided a statement within 120 days of note date.

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 765. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has owned current business for 16yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has owned current business for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 20yrs.Co Borrower has been in current profession for 10yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 52 months PITI cash reserves available. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%.

Complete

0437313321

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

B

A

B

B

D

B

CD

CA

VB

VA

RB

RB

Property Valuations

Appraisal

Satisfied

N/A

A

N/A

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 765. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has owned current business for 16yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has owned current business for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 20yrs.Co Borrower has been in current profession for 10yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 52 months PITI cash reserves available. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%.

Complete

0437313321

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

B

A

B

B

D

B

CD

CA

VB

VA

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

FEMA declared disaster on 1/23/17 with no subsequent inspection.

5.26.17 Post Disaster Inspection confirm no damages to property.

5.26.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 765. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has owned current business for 16yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has owned current business for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 20yrs.Co Borrower has been in current profession for 10yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 52 months PITI cash reserves available. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%.

Complete

0081625185

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2277

Note Not Executed

No

Missing Signature on the last page of the Note. An unexecuted Note is present.

5/09/2017 - Lender provided the executed Note.

05/09/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 11yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 17yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves is $1,037,735.61 or 115 months PITI reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 755.

Client Complete

0660899105

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Income/Employment

Active

A

B

CA

CB

CRDINC3204

Income Documentation Missing

No

Provide a fully executed and dated Initial 4506-T form as not located in the file, only the Final 4506-T form was located.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 779. Minimum required is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $92,468.19 or 32.12 months PITI reserves. 20 months PITI reserves required, 12 months for the subject property, 8 months for the employment gap and 2 months for Lender required gap of employment.

Complete

0355589186

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 776. 680 minimum required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 138.5 months PITI reserves available. 12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 27.25%. Maximum is 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 18yrs.

Client Complete

0834019415

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided at departure residence for over 10yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 11 yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has been with current employer for 8yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for11yrs. Co Borrower has been in current profession for 11yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 69.78 months PITI reserves available. 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 798. Minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32%, maximum per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.49%.

Client Complete

0870886021

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

B

B

B

C

B

CA

CA

VC

VB

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Loan Officer name on NMLS includes middle name. Loan documents show first and last name only.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 779. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 42 months PITI reserves available. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 21.18%. Maximum is 43%.

Client Complete

0870886021

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

B

B

B

C

B

CA

CA

VC

VB

RB

RB

Property Valuations

Property

Satisfied

C

B

VC

VB

PRVAPROP2674

Property Issues Indicated 2

No

One entity owning greater than 10% on condominium project (15.72%). New construction project; sponsor is renting 25 units out of 159; This appears to be a short term until units are marketed & sold. Exception approval in file.

5.24.17 Client response LVAM approved exception, Condo - One entity owning more than 10%. This exception was approved under EP delegated authority. 159 unit new construction project, 83 units sold to primary occupants, 29 rentals (18.23% investor concentration). 25 of the rental properties are owned and being rented by a single entity (the sponsor) (15.72%), delinquency of 10%, no litigation, no special assessment, budget meets guidelines. Compensating factors to include strong residual income, borrower has ability to devote a greater portion of income to housing expenses, ability to accumulate savings and a conservative attitude toward the use of credit.

5.24.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 779. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 42 months PITI reserves available. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 21.18%. Maximum is 43%.

Client Complete

0101425828

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

CA

CA

VC

VA

RD

RB

Compliance

Compliance Manual

Satisfied

D

A

RD

RA

CMPMAN2956

Missing disclosure

No

-Missing executed escrow waiver to support post close CD (xx/xx/xxxx) showing no escrow, in contradiction of closing CD(xx/xx/xxxx).

5.21.17 Lender provided escrow waiver disclosure

5.21.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 12 months PITI reserves req'd or $3,453.92 x12=$41,447.04, verified post closing liquid reserves $81,610.79 or 23.63 months, exceeding the guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 799. Minimum allowed 680.

Client Complete

0101425828

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

CA

CA

VC

VA

RD

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Homeowners Counseling list is not in file.

05.15.17 Lender provided a copy of the disclosure.

05.15.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 12 months PITI reserves req'd or $3,453.92 x12=$41,447.04, verified post closing liquid reserves $81,610.79 or 23.63 months, exceeding the guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 799. Minimum allowed 680.

Client Complete

0101425828

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

CA

CA

VC

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Service Provider list is not in file.

05.15.17 Lender provided a copy of the service provider.

05.15.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 12 months PITI reserves req'd or $3,453.92 x12=$41,447.04, verified post closing liquid reserves $81,610.79 or 23.63 months, exceeding the guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 799. Minimum allowed 680.

Client Complete

0101425828

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

CA

CA

VC

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

RC

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

10 % tolerance fee increase between LE xx/xx/xxxx and CD xx/xx/xxxx by $336.10. The Recording-Mortgage fee increased without valid documentation. Lender included a credit of $316.24 for the increase but it is not sufficient.

6.1.17 - Lender provided the following rebuttal:UPDATE: Attached are the documents that were sent to borrower (new Closing Disclosure, letter, refund check). Prior Response: Agree with investor. The Recording Fee increased in the amount of $361, exceeding the 10% tolerance by $336.10 from the final LE issued xx/xx/xxxx (001) to the initial CD issued xx/xx/xxxx (002). There was a $316.24 Over Tolerance refund in Section J of the initial and final CDs, with $105.14 being applied to an increase in Transfer Taxes and the remaining $211.10 being applied to the Recording Fees; however, an additional $125 would need to be provided to cure the full amount of the 10% tolerance fee increase. Refund to the borrower of $125 and new CD reflecting the additional $125 over tolerance credit is required to cure the defect. Remediation request sent to CDCR 5/19/17.6.1.17 - Clayton received the PCCD dated 5/23/17, letter to the borrower and copy of check.

6.1.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 12 months PITI reserves req'd or $3,453.92 x12=$41,447.04, verified post closing liquid reserves $81,610.79 or 23.63 months, exceeding the guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 799. Minimum allowed 680.

Client Complete

0101425828

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

CA

CA

VC

VA

RD

RB

Property Valuations

Appraisal

Satisfied

C

A

VC

VA

PRVAAPPR169

Appraisal includes one or more issue(s)

No

Appraisal states 179 total units. Master Policy, Flood Insurance Policy and XXX review state 177 total units. Appraisal states 32 rentals, XXX review states 81 rental units.

5.25.17 Lender Based on certificate of occupancy and lender files, the project contains 177 units.

5.25.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 12 months PITI reserves req'd or $3,453.92 x12=$41,447.04, verified post closing liquid reserves $81,610.79 or 23.63 months, exceeding the guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 799. Minimum allowed 680.

Client Complete

0301417482

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Form not in file.

5/09/2017 - Lender provided the List of homeowners counseling organizations

05/09/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.70% DTI, max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Statements in file supported assets of $361,236.86 with reserves of $120,045.86. Borrower has 24.47 months PITI reserves; guidelines required $58,879.20 ($4,906.28 x 12). CFCFS1750: High potential for increased earnings - Clayton Comments: Borrower bonus and income is continually increasing based on pay stubs provided. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 785.

Client Complete

0301417482

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Missing Written List of Providers.

5/09/2017 - Lender provided the Written List of Providers

05/09/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.70% DTI, max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Statements in file supported assets of $361,236.86 with reserves of $120,045.86. Borrower has 24.47 months PITI reserves; guidelines required $58,879.20 ($4,906.28 x 12). CFCFS1750: High potential for increased earnings - Clayton Comments: Borrower bonus and income is continually increasing based on pay stubs provided. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 785.

Client Complete

0041347460

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

File is missing a copy of the notarized mortgage as the documents are blank when opened up.

5.31.2017 Lender provided executed mortgage

5.31.2017 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for 13.22 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 787 is 107 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 40.74 months PITIA reserves. 12 months required.

Complete

0041347460

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

File is missing a copy of the fully executed mortgage and rider(s).

5.31.2017 Lender provided executed mortgage

5.31.2017 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for 13.22 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 787 is 107 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 40.74 months PITIA reserves. 12 months required.

Complete

0041347460

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer’s name on the Note, Mortgage, and the 1003 is XXX . The NMLS database verified the loan officer’s name as XXX and XXX. The Reg-Z requirement is for the Originator’s name to match the NMLS website exactly.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for 13.22 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 787 is 107 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 40.74 months PITIA reserves. 12 months required.

Complete

0041347460

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% Tolerance Violation due to increase in credit report in the amount of $29.88. However, Lender gave Borrower a Lender Credit in the amount of $29.88 on CD's to cure violation. .

(No Data)

4.24.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for 13.22 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 787 is 107 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 40.74 months PITIA reserves. 12 months required.

Complete

0041347460

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Credit

Application

Active

D

B

CD

CB

CRDAPP130

Application is incomplete

No

File is missing the final loan application (1003) signed and dated by the borrowers and the loan officer as it is blank when opened up.

(No Data)

Upon further review by Sr. UW, digital copy of application is in the file and it indicates taken by phone so no signature is deemed non-material. Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for 13.22 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 787 is 107 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 40.74 months PITIA reserves. 12 months required.

Complete

0041347460

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Credit

DTI

Active

B

B

CB

CB

CRDDTI105

Debt Ratio Exception 5% or Less

No

The housing expense (front-end) ratio of 37.15% exceeds max allowable of 36% per client guidelines. Lender qualified loan with housing expense ratio of 37.153%.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for 13.22 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 787 is 107 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 40.74 months PITIA reserves. 12 months required.

Complete

0041347460

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Credit

Income/Employment

Active

D

B

CD

CB

CRDINC3204

Income Documentation Missing

No

Provide the fully executed and dated Initial and Final 4506-T form for both borrowers as the documents are blank when opened up.

(No Data)

Upon further review by Sr. UW, borrower employed by government agency for 13 years. Only W-2 base salary used to qualify. Paystubs and W-2 provided, missing 4506-T deemed non-material. Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for 13.22 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 787 is 107 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 40.74 months PITIA reserves. 12 months required.

Complete

0194464519

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

5.23.17 Desk review received valued at $xxxxxx dated 5.23.17, value supported. Revised Desk Review pending.

5.23.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VOE B is a XXX and has been with the same employer for over 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 808. Minimum allowed is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $150,958.61 (EMD $19,920 + CTC $131,038.61). Statements in file support assets of $1,073,291.43 with effective post closing liquidity of $655,531.23, exceeding the 12 months PITIA req'd of $40,615.20 ($3,384.60x12).

Client Complete

0537398583

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

A

D

B

CB

CB

VA

VA

RD

RA

Compliance

Documentation

Satisfied

B

A

RB

RA

CMPDOC2514

Mortgage/Deed of Trust has not been recorded and/or sent for recording

No

Deed of Trust dated xxx has not been signed by borrowers and not sent for recording.

5.31.2017 Lender provided executed and recorded mortgage

5.31.2017 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrower representative credit score is 815. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the profession for 35 years.

Complete

0537398583

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

A

D

B

CB

CB

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Deed of Trust is not signed and notarized by Notary.

5.31.2017 Lender provided executed and recorded mortgage

5.31.2017 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrower representative credit score is 815. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the profession for 35 years.

Complete

0537398583

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

A

D

B

CB

CB

VA

VA

RD

RA

Credit

DTI

Active

B

B

CB

CB

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification that taxes and insurance included in payment from credit report for departure REO property on XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrower representative credit score is 815. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the profession for 35 years.

Complete

0561305152

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

B

A

D

A

D

A

CA

CA

VB

VA

RD

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not found in file.

5.15.17- HOC list provided

5.15.17-condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $40,482.74. Statements in file supported assets of $300,543.04 with reserves of $210,507.12. 24 months reserves required or $149,461.68 ($6,227.57 x 24). CFCFS1737: LTV below guideline requirements - Clayton Comments: 36.20% LTV; max per guidelines is 70% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has more than 20 years at current position.

Client Complete

0561305152

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

B

A

D

A

D

A

CA

CA

VB

VA

RD

RA

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

Right of Rescission form not found in file.

5.15.17- ROR form provided

5.15.17- condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $40,482.74. Statements in file supported assets of $300,543.04 with reserves of $210,507.12. 24 months reserves required or $149,461.68 ($6,227.57 x 24). CFCFS1737: LTV below guideline requirements - Clayton Comments: 36.20% LTV; max per guidelines is 70% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has more than 20 years at current position.

Client Complete

0561305152

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

B

A

D

A

D

A

CA

CA

VB

VA

RD

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Service Providers not found in the file, please provide.

5.15.17- SPL provided

5.15.17-condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $40,482.74. Statements in file supported assets of $300,543.04 with reserves of $210,507.12. 24 months reserves required or $149,461.68 ($6,227.57 x 24). CFCFS1737: LTV below guideline requirements - Clayton Comments: 36.20% LTV; max per guidelines is 70% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has more than 20 years at current position.

Client Complete

0561305152

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

B

A

D

A

D

A

CA

CA

VB

VA

RD

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support the original appraised value of $xxxxxx.

5.3.17 Desk Review received value at $xxxxxx dated 5.3.17, value supported.

5.3.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $40,482.74. Statements in file supported assets of $300,543.04 with reserves of $210,507.12. 24 months reserves required or $149,461.68 ($6,227.57 x 24). CFCFS1737: LTV below guideline requirements - Clayton Comments: 36.20% LTV; max per guidelines is 70% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has more than 20 years at current position.

Client Complete

0561305152

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

B

A

D

A

D

A

CA

CA

VB

VA

RD

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No subsequent property inspection completed after FEMA Disaster Declaration XXX date of 02/23/2017, Severe Winter Storms, Flooding, and Mudslides.

5.16.17 Post Disaster Inspection confirm no damages to property.

5.16.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $40,482.74. Statements in file supported assets of $300,543.04 with reserves of $210,507.12. 24 months reserves required or $149,461.68 ($6,227.57 x 24). CFCFS1737: LTV below guideline requirements - Clayton Comments: 36.20% LTV; max per guidelines is 70% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has more than 20 years at current position.

Client Complete

0943293533

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

5.10.17: Lender provided counseling list.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 164.06 months PITI reserves required. CFCFS1736: Significant time at current residence - Clayton Comments: Co Borrower has owned current residence for over 10yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has owned current business for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 16yrs.Co Borrower has been in current profession for over 17yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 733. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.27% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.38%

Client Complete

0943293533

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

5.10.17: Lender provided SPL

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 164.06 months PITI reserves required. CFCFS1736: Significant time at current residence - Clayton Comments: Co Borrower has owned current residence for over 10yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has owned current business for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 16yrs.Co Borrower has been in current profession for over 17yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 733. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.27% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.38%

Client Complete

0621922920

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing Leases for the property for: XXX; XXX ; XXX. Need better Clarification of the P/I for XXX; XXX 1040 2015 Shows Mortgage Interest (1003 shows Taxes and Insurance only); XXX and Taxes and Insurance for XXX.

5.31.2017 Lender response 1- Leases not required. Per lender guidelines (Documentation Matrix), if rental income other than subject property is used to qualify and there is 10% Post Closing Liquidity (PCL) based on the total aggregate liens on the subject property (in addition to standard PCL requirements) lease agreements are not required. 2- Supporting documentation (clarification) attached for XXX, XXX, XXX and XXX properties.

5.31.2017 Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.51%; guideline maximum is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines is 620; Borrowers Representative Credit Score is 790.

Complete

0621922920

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

3/22/17 CD sequence 005 - CCTC table has Closing Cost financed as $8,808.32 when it should be $8,288.44. Non-Numerical ErrorCan be satisfied non-material with client consent to legacy TILA Cure 130(B), corrected PCCD with LOX and proof of delivery to the borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.51%; guideline maximum is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines is 620; Borrowers Representative Credit Score is 790.

Complete

0621922920

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing Leases for the property for: XXX. Need better Clarification of the P/I for XXX; XXX 1040 2015 Shows Mortgage Interest (1003 shows Taxes and Insurance only); XXX and Taxes and Insurance for 3 XXX.

5.31.2017 Lender response 1- Leases not required. Per lender guidelines (Documentation Matrix), if rental income other than subject property is used to qualify and there is 10% Post Closing Liquidity (PCL) based on the total aggregate liens on the subject property (in addition to standard PCL requirements) lease agreements are not required. 2- Supporting documentation (clarification) attached for XXX, XXX, XXX and XXX properties.

5.31.2017 Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.51%; guideline maximum is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines is 620; Borrowers Representative Credit Score is 790.

Complete

0255207432

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

05.12.17 Lender provided a copy of the HOCL.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for over 18yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 16yrs.Co Borrower has been in current profession for 5yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 783, minimum score required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 29.19%, maximum per guidelines is 43%.

Client Complete

0255207432

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

05.12.17 Lender provided a copy of the service provider list showing service link as the provider.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at current residence for over 18yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 16yrs.Co Borrower has been in current profession for 5yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 783, minimum score required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 29.19%, maximum per guidelines is 43%.

Client Complete

0207703098

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

L/O per NMLS XXX and no other names. L/O name on source docs is XXX.

5.18.17 - Client provided exception approval to accept NMLS name variation. 5.22.17 – Client provided a rebuttal waiving issues related to exact name matches on NMLS

5.18.17 – Non-material exception. 5.26.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $178,386.59 or 55.40 months PITI reserves; Guidelines require 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 54.46, max allowed is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 794. Minimum allowed is 680.

Complete

0207703098

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: xx/xx/xxxx, Section: Calculating Cash to Close, Field: Closing Costs Financed - lender included $559.88 POC (6651.24 - 559.88 = 6091.36)

5.30.17- Lender provided a rebuttal indicating they disagree. Lender's rebuttal: Disagree. Final CD #009 executed by consumers xxxxx disclosed Total of Payments of $1,002,898.01. Wells Fargo Compliance Team calculated Total of Payments is $1,002,897.97. Difference is $0.04 and within acceptable tolerance. Clayton commentary states their calculated Total Payment Amount is higher than disclosed on the Final CD but does not provide a value. This is not a testing defect so corrective action is not required.rebuttal is deficient: The regulation is clear on how to determine the amount financed by loan on the CD. CFPB rule 1026.38(J)(4)(ii):For purposes of this paragraph (j), closing funds means funds collected and disbursed at real estate closing. If we use the example provided to use by the CFPB documents you will see the amount of Closing Cost is charges not paid with closing funds and should be removed from total of Closing cost due to already being funded. Then the New Closing cost if loan is used to fund then that amount should be disclosed in the Closing Costs Financed (paid from your Loan Amount) not to be less than $0

5.30.17- Exception remains

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $178,386.59 or 55.40 months PITI reserves; Guidelines require 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 54.46, max allowed is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 794. Minimum allowed is 680.

Complete

0207703098

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Property Valuations

Appraisal

Satisfied

N/A

A

N/A

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

5.21.17 Desk Review received valued at $xxxxxx dated 5.21.17, value supported.

5.21.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $178,386.59 or 55.40 months PITI reserves; Guidelines require 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 54.46, max allowed is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 794. Minimum allowed is 680.

Complete

0779645708

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

7.11.17 Client acknowledged waiver for NLMS license verification not matching exactly.

7.11.17 Final Grade B. Exception is non-material as only variation is middle name.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 36 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 796 exceeded the guideline requirement of 680 by 116 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Complete

0975606133

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support the original appraised value of $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for over 9 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower's FICO score 805 exceeds guidelines requirements of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.31% ; max per guidelines is 43%.

Client Complete

0746696438

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

A

D

B

CB

CB

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC191

Missing Mortgage

No

Provide Mortgage and or any/all Rider(s) if applicable for the subject property. The legal description exhibit is missing from the mortgage. Unable to determine if the legal description matches the title policy legal.

5/16/2017 - Lender provided the Mortgage

5/16/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 17.50 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' median credit score of 755.

Complete

0746696438

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

A

D

B

CB

CB

VA

VA

RD

RA

Credit

Income/Employment

Active

A

B

CA

CB

CRDINC3204

Income Documentation Missing

No

Provide the fully executed and dated Initial and Final 4506-T form as not located in the file.

5.26.17 - Lender's rebuttal - Unable to locate fully executed initial and final 4506-T form(s).

5.26.17 - Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 17.50 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' median credit score of 755.

Complete

0386076695

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

A

B

B

B

B

CB

CB

VB

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

7.11.17 Client acknowledged waiver for NMLS not matching exactly.

7.11.17 Final Grade B. Exception is non-material as only variation is middle name.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 23 years in his profession. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xxx; xxx for 14.7 years.

Complete

0386076695

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

A

B

B

B

B

CB

CB

VB

VA

RB

RB

Credit

Terms/Guidelines

Active

B

B

CB

CB

CRDTER3122

Loan documents do not meet guideline requirements

No

Borrowers' do not meet the required 2 year's property management rental income. There is an approved exception in the file dated xxx by xxxxxx. Exception approval noted however exception remains.

7.11.17 Client response - Agree, business followed exception protocols as documented.

7.11.17 Exception remains. After further review, exception is non-material. Borrowers have $13,679.43 in residual income, Borrower 2 has 14 years on job.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 23 years in his profession. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xxx; xxx for 14.7 years.

Complete

0386076695

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

A

B

B

B

B

CB

CB

VB

VA

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA229

Natural Disaster Area, Subseq inspect prior to Disaster (Public)

No

FEMA disaster effective xxx; Appraisal dated 1.29.2017. No subsequent inspection in file.

7.12.17 - Post Disaster Inspection from xxx received reflecting no damage.

7.12.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 23 years in his profession. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xxx; xxx for 14.7 years.

Complete

0338559128

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Missing List of homeowners counseling.

5.15.17-HOC list provided

5.15.17-condition satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 12yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 12yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 13.59% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 40.81% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 156 months PITI cash reserves available.

Complete

0338559128

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

Missing Right of Rescission form.

5.15.17- ROR from provided

5.15.17-condition satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 12yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 12yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 13.59% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 40.81% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 156 months PITI cash reserves available.

Complete

0338559128

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The Closing Costs Financed value of $4868.92 on the Calculating Cash to Close table of CD xx/xx/xxxx does not match the xxx calculation of $4173.92 since the Closing Costs Paid Before Closing value of $695 was not subtracted from the Total Closing Costs(J).

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 12yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 12yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 13.59% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 40.81% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 156 months PITI cash reserves available.

Complete

0338559128

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Missing Written List of Providers.

5.15.17-SPL provided

5.15.17-condition satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 12yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 12yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 13.59% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 40.81% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 156 months PITI cash reserves available.

Complete

0171354974

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file, please provide.

5.10.17: Lender provided counseling list.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for over 5yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 16yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 795. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49.63%

Complete

0171354974

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: xx/xx/xxxx, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 4210.75 is correct input

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for over 5yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 16yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 795. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49.63%

Complete

0171354974

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not found in the file, please provide.

5.10.17: Lender provided SPL

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for over 5yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 16yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 795. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49.63%

Complete

0088431306

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Loan Officers name, XXX is not an exact match to the NMLS verification; XXX.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with the current Employer for 10.83 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with the current Employer for 5.94 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 33.94%; guideline maximum is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 728 exceeds minimum of 680

Client Complete

0430928190

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support the original appraised value of $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned primary residence for 8.25 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.13% DTI is below the maximum allowed DTI of 43%.

Client Complete

0086915007

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

5.15.17- HOC list provided

5.15.17- Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The credit score is 808. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: The Borrower has a credit history of 156 months or 13 years with no derrogatory, 24 months are required per guidelines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Over 44 months of PITI reserves.

Client Complete

0086915007

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

5.15.17- SPL provided

5.15.17- Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The credit score is 808. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: The Borrower has a credit history of 156 months or 13 years with no derrogatory, 24 months are required per guidelines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Over 44 months of PITI reserves.

Client Complete

0941264462

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Missing list of homeowners counseling organization.

05.12.17 Lender provided a copy of the HOCL.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at primary residence for over 13 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for over 15 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.98% DTI is below the maximum allowed DTI of 43%.

Client Complete

0941264462

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Missing List of provider disclosure.

05.12.17 Lender provided a copy of the service provider list.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at primary residence for over 13 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for over 15 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.98% DTI is below the maximum allowed DTI of 43%.

Client Complete

0995314686

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

B

CB

CA

VA

VB

RD

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Form not in file.

5/15/17 - HOC List provided Dated 12/14

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 36.61%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 70%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 725

Complete

0995314686

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

B

CB

CA

VA

VB

RD

RA

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

ROR not in file.

5/15/17Signed ROR for all Borrowers Provided

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 36.61%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 70%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 725

Complete

0995314686

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

B

CB

CA

VA

VB

RD

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Form not in file.

5/15/17 - SPL provided Dated 12/14

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 36.61%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 70%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 725

Complete

0995314686

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

B

CB

CA

VA

VB

RD

RA

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC2488

Verbal verification of employment missing

No

Missing a VVOE for the Borrower's other business xxxxx, within 30 days of the printed Note date.

5.26.17 - lenders rebuttal - Unable to locate the VVOE for xxxxx. However, there is no negative impact removing this income from qualifying; DTI increases to 36.18% and still meets QM/ATR requirements.

5.26.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 36.61%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 70%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 725

Complete

0995314686

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

B

CB

CA

VA

VB

RD

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

5.3.17 Desk Review received value indeterminate dated 5/3/17, value not supported. Field Review Recommended.

5.3.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 36.61%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 70%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 725

Complete

0995314686

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

B

CB

CA

VA

VB

RD

RA

Property Valuations

Value

Satisfied

N/A

A

N/A

VB

PRVAVALU153

Value Not Supported

No

5.3.17 Field Review Ordered.

5.24.17 Field Review received valued at $xxxxxx dated 5.24.17, value not supported. 6.2.17 - Lender's rebuttal: "Our extensive independent market research found no more reliable sales or market data to support a higher value conclusion than reported in the desk review."-Clayton ordered a Reconciliation. 6.5.17 Reconciliation received valued at $xxxxxx dated 6.5.17, value supported.

6.5.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 36.61%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 70%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 725

Complete

0202316746

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

B

A

B

A

B

A

CA

CA

VB

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations missing.

5.10.17 - Lender provided List of homeowners counseling organizations

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score of 812, exceeds the minimum required score of 680 by 132 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 25.30%; max allowed 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 69.89%, max allowed under this xxxxx program is 80%.

Client Complete

0202316746

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

B

A

B

A

B

A

CA

CA

VB

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Service Providers missing.

5.10.17 - Lender provided WLP.

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score of 812, exceeds the minimum required score of 680 by 132 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 25.30%; max allowed 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 69.89%, max allowed under this xxxxx program is 80%.

Client Complete

0202316746

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

B

A

B

A

B

A

CA

CA

VB

VA

RB

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support the original appraised value.

5.3.17 Desk Review received valued at $xxxxxx dated 5.3.17, value supported.

5.3.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score of 812, exceeds the minimum required score of 680 by 132 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 25.30%; max allowed 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 69.89%, max allowed under this xxxxx program is 80%.

Client Complete

0202316746

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

B

A

B

A

B

A

CA

CA

VB

VA

RB

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

FEMA disaster effective 2/23/2017, Severe Winter Storms, Flooding, and Mudslides, Dec #xxxxx Note date xxxxx. Initial appraisal dated 12/22/2016; no subsequent inspection provided.

5.10.17 Post Disaster Inspection provided reflecting no damage.

5.10.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score of 812, exceeds the minimum required score of 680 by 132 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 25.30%; max allowed 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 69.89%, max allowed under this xxxxx program is 80%.

Client Complete

0462557385

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

D

B

D

B

CB

CB

VD

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC225

Missing Rider

No

Missing executed Condo Rider

5.25.17 Lender provided signed rider.

5.25.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of 776 exceeds guideline requirement of 680 by 96 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI of 32.18% is below guideline requirement of 43% by 10.82%. CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit history with no derogatory trade lines, no adverse history, no public records. All trade lines are pay as agreed. Credit report evidences 4 open mortgages, all paid in a timely fashion for the last 45 months. 1*30 evidenced on a minor charge card, however, occurrence is greater than 24 months ago.

Complete

0462557385

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

D

B

D

B

CB

CB

VD

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Lender's credit of $23.88 for exceeding legal limit is sufficient to cover 10% tolerance fee of $23.88 for increased credit report charge. Exception fired in error.

(No Data)

5.22.17: Exception satisfied as Non-Material as the Final CD corrected the issue.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of 776 exceeds guideline requirement of 680 by 96 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI of 32.18% is below guideline requirement of 43% by 10.82%. CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit history with no derogatory trade lines, no adverse history, no public records. All trade lines are pay as agreed. Credit report evidences 4 open mortgages, all paid in a timely fashion for the last 45 months. 1*30 evidenced on a minor charge card, however, occurrence is greater than 24 months ago.

Complete

0462557385

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

D

B

D

B

CB

CB

VD

VA

RD

RB

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH2662

Number of mortgaged properties exceeds guideline limit

No

Exception approval for number financed properties exceeding 4 is in file. Total # of financed properties is 5 including the subject. Exception approval noted however exception remains.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of 776 exceeds guideline requirement of 680 by 96 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI of 32.18% is below guideline requirement of 43% by 10.82%. CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit history with no derogatory trade lines, no adverse history, no public records. All trade lines are pay as agreed. Credit report evidences 4 open mortgages, all paid in a timely fashion for the last 45 months. 1*30 evidenced on a minor charge card, however, occurrence is greater than 24 months ago.

Complete

0462557385

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

D

B

D

B

CB

CB

VD

VA

RD

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC3204

Income Documentation Missing

No

Provide the fully executed and dated Final 4506-T Form as blank when opened up.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of 776 exceeds guideline requirement of 680 by 96 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI of 32.18% is below guideline requirement of 43% by 10.82%. CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit history with no derogatory trade lines, no adverse history, no public records. All trade lines are pay as agreed. Credit report evidences 4 open mortgages, all paid in a timely fashion for the last 45 months. 1*30 evidenced on a minor charge card, however, occurrence is greater than 24 months ago.

Complete

0462557385

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

D

B

D

B

CB

CB

VD

VA

RD

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxxxx

5.22.17 Desk Review received valued at $xxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of 776 exceeds guideline requirement of 680 by 96 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI of 32.18% is below guideline requirement of 43% by 10.82%. CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit history with no derogatory trade lines, no adverse history, no public records. All trade lines are pay as agreed. Credit report evidences 4 open mortgages, all paid in a timely fashion for the last 45 months. 1*30 evidenced on a minor charge card, however, occurrence is greater than 24 months ago.

Complete

0006562199

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

State Late Charges

Satisfied

B

B

RB

RB

CMPSLC1127

Late Charge percentage exceeds regulatory limits

No

Late charge shows 5% after 15 calendar days on Note. Max allowed fro NY is 2%.

5.17.2017 Client provided clarification of Charter.

Exception satisfied. Data updated with corrected OCC charter information.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 20 years in his profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 784 exceeded the guideline requirement of 680 by 104 points.

Complete

0006562199

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing xxxxx and xxxxx.

05.10.17 Lender provided a copy of the anti fraud report.

05.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 20 years in his profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 784 exceeded the guideline requirement of 680 by 104 points.

Complete

0006562199

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2408

Income verification does not meet guidelines

No

Missing 2016 W-2's for B1. Missing Current paystubs covering one month earnings dated within one month of Closing for B1.

05.10.17 Lender provided a copy of the WVOE from the work number dated 01.31.2017 info current as of 01/03/2017 with the info from the YTD earnings and previous years earnings for B1 however the note date is dated xxx and we still require a paystub covering one month earnings dated within 1 month of closing. 5.23.17 - Lender provided the 2015 and 2014 W2 for B1 and the current paystub

5.23.2017 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 20 years in his profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 784 exceeded the guideline requirement of 680 by 104 points.

Complete

0006562199

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR2400

Missing Flood Certification Document

No

Missing Flood Cert.

5/09/2017 - Lender provided the Flood Certification.

5/09/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 20 years in his profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 784 exceeded the guideline requirement of 680 by 104 points.

Complete

0006562199

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Terms/Guidelines

Satisfied

C

A

CC

CA

CRDTER3684

HELOC draws in last 6 months not permitted per guidelines

No

Leader approved 50,000 heloc please provide note.

5.30.17 lender response See attached Note. There were no HELOC draws in the last 6 months. This loan transaction was a purchase with a simultaneous XXX 2nd (HELOC); line amount disbursed $0.

5.30.17 Exception satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 20 years in his profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 784 exceeded the guideline requirement of 680 by 104 points.

Complete

0879329509

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

B

A

D

A

CD

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations missing.

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 783. Minimum allowed 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets:Final CD requires funds to close of $177,625.24 (CTC $152,625.24 + EMD $25,000). Statements in file support assets of $1,071,932.18 with verified post closing reserves of $527,994.84. Liquidation to support funds to close not provided, however, using UW discretion, additional relocation bonus of $250K was paid after last bank statements provided and per GL's is eligible for closing. EMD was wired after last bank statement. GL's require 12 months PITI reserves $57,647.04 ($4,803.92x12).

Client Complete

0879329509

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

B

A

D

A

CD

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers missing.

5/15/17 - Lender provided SPL disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 783. Minimum allowed 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets:Final CD requires funds to close of $177,625.24 (CTC $152,625.24 + EMD $25,000). Statements in file support assets of $1,071,932.18 with verified post closing reserves of $527,994.84. Liquidation to support funds to close not provided, however, using UW discretion, additional relocation bonus of $250K was paid after last bank statements provided and per GL's is eligible for closing. EMD was wired after last bank statement. GL's require 12 months PITI reserves $57,647.04 ($4,803.92x12).

Client Complete

0879329509

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

B

A

D

A

CD

CA

VA

VA

RB

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Missing initial executed 4506T at time of application as req'd by WF GL's.

5.26.17 - Lender response: "Per the attached final AUS, it does not indicate a 4506T is requested. This is a relocation loan and an initial 4506T is not required." Signed 4506 from closing in file.

5.26.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 783. Minimum allowed 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets:Final CD requires funds to close of $177,625.24 (CTC $152,625.24 + EMD $25,000). Statements in file support assets of $1,071,932.18 with verified post closing reserves of $527,994.84. Liquidation to support funds to close not provided, however, using UW discretion, additional relocation bonus of $250K was paid after last bank statements provided and per GL's is eligible for closing. EMD was wired after last bank statement. GL's require 12 months PITI reserves $57,647.04 ($4,803.92x12).

Client Complete

0485847750

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Missing supporting documents for Verification of Rent from the Borrower(s) present residence at XXX.

05.11.17 Lender provided a copy of a VOR via 3rd party verifying 12 on time payments to XXX. 0x30

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 25.90%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 733; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been employed at xxxxx for 19 years.

Client Complete

0483461224

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

CD

CA

VB

VA

RA

RA

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing Proof of PITI used $8,716.37 for the Primary Residence.

6.2.17 Client provided documentation of PITIA of primary residence

6.2.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrowers Representative score is 776. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Cash Reserves in the amount of $235,154.91or 57.16 months PITIA

Client Complete

0483461224

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

CD

CA

VB

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

Appraisal dated 1/10/2017. Declaration Date: 4/1/2017; Effective Date: 2/23/2017 Public Severe Winter Storms, Flooding, and Mudslides Severe Winter Storms, Flooding, and Mudslides xxxxx. Clayton grades FEMA: Natural Disaster Are, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can included: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public assistance does not indicate that damage has occurred to personal; property and does not have a substantive impact on the property.

5.22.17 Post Disaster Inspection confirm no damages to property.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrowers Representative score is 776. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Cash Reserves in the amount of $235,154.91or 57.16 months PITIA

Client Complete

0740753131

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

CA

CA

VA

VA

RC

RB

Compliance

Documentation

Satisfied

C

A

RC

RA

CMPDOC3076

Legal document was not executed or is incomplete

No

Executed Mortgage is missing pages 2 and 12. Unsigned copy in file.

5/09/2017 - Lender provided the executed Mortgage with the missing pages 2 and 12.

5/09/2017 - Exception Satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession fro 15.50 years.Co-Borrower has been in the same profession for 13.00 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrowers Representative Credit Score is 782. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Cash Reserves in the amount of $186,018.38; 51.29 months PITI in reserves. 12 months required.

Client Complete

0740753131

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

CA

CA

VA

VA

RC

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

$29.88 Zero Tolerance due to increase in credit report fee from Loan Estimate to Final CD without a valid change of circumstance documented in the file. Cure provided on final CD.

(No Data)

04/26/2016 - Exception satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession fro 15.50 years.Co-Borrower has been in the same profession for 13.00 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrowers Representative Credit Score is 782. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Cash Reserves in the amount of $186,018.38; 51.29 months PITI in reserves. 12 months required.

Client Complete

0593442659

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with the same employer for 24.68 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 787 is 107 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 110.90 months PITI reserves. 12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.14% DTI is below the maximum allowed DTI of 43%.

Client Complete

0776613258

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

A

CA

CA

VC

VA

RA

RA

Property Valuations

Property

Satisfied

C

A

VC

VA

PRVAPROP177

Property Issues Indicated

No

Subject condominium project has 7 units sold out of 12; 58.33%. Guidelines require at least 70% of units to be sold.

05.18.17 Lender provided a copy of the condo approval certified on 02.21.2017.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 794. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $127,930.08 or 33.50 months PITI reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.65% DTI is below the maximum allowed DTI of 43%.

Client Complete

0908352435

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing Homeownership Counseling list.

05.12.17 Lender provided a copy of the HOCL.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 796. Minimum allowed 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $561,509.40 (EMD $111,500 + CTC 450,009.40). Statements in file supports assets of $857,483.62 with reserves of $295,974.22. GL's require 12 months PITI reserves $55,132.56 ($4,594.38x12). CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 53.81%, max allowed 80%.

Complete

0908352435

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4229

TRID - CD: The Prepaids total amount disclosed in the CD Other Costs section does not equal its component parts

No

On CD xx/xx/xxxx and CD xx/xx/xxxx, under Other Cost, Section F, the prepaids are listed as follows: Insurance $1,887+ prepaid interest $1337.70+ property taxes $2678.56 with a total of $8581.82. The system shows the total is $5,903.26. The difference between the disclosed total and actual total is $2678.56.Non-Numerical ErrorCan be Satisfied non-material with client consent to Legacy TILA Cure 130(b), corrected post close CD, LOX, and verification sent to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 796. Minimum allowed 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $561,509.40 (EMD $111,500 + CTC 450,009.40). Statements in file supports assets of $857,483.62 with reserves of $295,974.22. GL's require 12 months PITI reserves $55,132.56 ($4,594.38x12). CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 53.81%, max allowed 80%.

Complete

0908352435

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4236

TRID - CD: The Closing Costs subtotal (Borrower Paid at Closing) amount disclosed in the CD Other Costs section does not equal its component parts

No

On CD xx/xx/xxxx and CD xx/xx/xxxx, under Other Cost, Section F, the prepaids are listed as follows: Insurance $1,887+ prepaid interest$1337.70+ property taxes $2678.56 with a total of $8581.82. The system shows the total is $5,903.26. The difference between the disclosed total and actual total is $2678.56 resulting in the Other Costs total showing $43897.40 rather than $41218.84.Non-Numerical ErrorCan be Satisfied non-material with client consent to Legacy TILA Cure 130(b), corrected post close CD, LOX, and verification sent to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 796. Minimum allowed 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $561,509.40 (EMD $111,500 + CTC 450,009.40). Statements in file supports assets of $857,483.62 with reserves of $295,974.22. GL's require 12 months PITI reserves $55,132.56 ($4,594.38x12). CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 53.81%, max allowed 80%.

Complete

0908352435

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing written list of service providers.

05.12.17 Lender provided a copy of the service provider list showing service link as the provider.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 796. Minimum allowed 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $561,509.40 (EMD $111,500 + CTC 450,009.40). Statements in file supports assets of $857,483.62 with reserves of $295,974.22. GL's require 12 months PITI reserves $55,132.56 ($4,594.38x12). CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 53.81%, max allowed 80%.

Complete

0791523283

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2408

Income verification does not meet guidelines

No

1.The loan file does not consist of proof of a two year work history for the Borrower. The Borrower started working at XXX on 8/31/2016. Previously the Borrower was self-employed in XXX. The loan file is missing proof of previous years' of foreign employment. 2.Missing 24 months previous tax returns.

6.2.17 Client provided SARS tax returns for previous employment

6.2.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 36.16%; max allowed DTI per guidelines is 43%.

Client Complete

0603383650

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 22.62% is below the maximum of 43% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrowers have additional bonus income ($6,458.33 monthly B1 & $1,229.17 monthly B2) verified not used to qualify. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been at current job for 12.9 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xxxxx; XXX for 6.3 years.

Client Complete

0172832997

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing verification of taxes, insurance and HOA for REO property on XXX.

5/19/2017 - Lender provided the Mortgage Statement for REO property on XXX.

5/19/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI xxx is below the maximum of xxx CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for xxx years

Client Complete

0172832997

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Assets

Satisfied

D

A

CD

CA

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing the January 2017 statement from XXX account #XXX.

5/19/2017 - Lender provided the January 2017 statement from XXX account #XXX.

5/19/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI xxx is below the maximum of xxx CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for xxx years

Client Complete

0172832997

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

DTI

Satisfied

B

A

CB

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of taxes, insurance and HOA for REO property on XXX.

5/19/2017 - Lender provided the Mortgage Statement for REO property on XXX.

5/19/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI xxx is below the maximum of xxx CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for xxx years

Client Complete

0679932837

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.AH534

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $150,750.58. Statements in file supported assets of $450,476.66 with reserves of $176,724.30. 12 months reserves required or $50,873.64 ($4,239.47 x 12). CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Strong Residual income: $12,014.59-$4,670.47= $7,344.12 monthly residual income. CFCFS2860: Good credit history - Clayton Comments: Credit History shows minimal use of revolving or installment debt.

Client Complete

0133788274

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file.

05.12.17 Lender provided a copy of the HOCL.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 137 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 representative score exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 7 years on current job.

Client Complete

0133788274

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

The Written List of Providers not provided on file.

05.12.17 Lender provided a copy of the service provider list.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 137 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 representative score exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 7 years on current job.

Client Complete

0223534277

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Missing initial 4506 at application missing for both borrowers.

5.31.17 This is a relocation loan and per Wells Fargo guidelines, all borrowers to execute IRS Form 4506T at loan closing. An initial 4506T not required.

5.31.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: 24 years with current employer CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 20 years with current employer.

Client Complete

0223534277

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Property Valuations

Appraisal

Satisfied

N/A

A

N/A

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

6.2.17 - CDA dated 6/1/17 with value of $xxxxxx provided and is same value as appraisal.

6.2.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: 24 years with current employer CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 20 years with current employer.

Client Complete

0269398584

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has a qualifying credit score of 800. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 82.64 months of PITI reserves. 12 months PITI required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 18.61% DTI is below the maximum allowed DTI of 43%.

Client Complete

0830016774

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint score of 783 exceed guideline requirements for second home purchase (680) by 103 points CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit history with no derogatory history, no public records and with all trade lines paid as agreed, CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Asset statements in file support assets in the amount of $711,072.70 with reserves of $502,270.22. Per guidelines, 18 months PITI is required on the subject ($6473.20 * 18 = $116,517.60).

Complete

0544573523

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Missing verbal verification of employment within 20 business days prior to the date printed on the note is required. VVOE provided is greater than 20 days from note date.

05.02.17 Lender provided a copy of the VVOE dated 02.28.17.

05.02.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 qualifying score. Min required per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 13.14 years.

Client Complete

0568077651

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing verification taxes, insurance and HOA fees for borrower primary residence, XXX included in mortgage payment or verification of monthly amounts.

5/16/2017 - Lender provided the missing verification taxes, insurance and HOA fees for borrower primary residence, XXX.

5/16/2017- Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 17.99% DTI below guideline requirement of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified post closing reserves of $444,290.93 or 67.53 months subject PITI; reserves of 18 months PITI required or $118,418.22.

Client Complete

0568077651

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification taxes, insurance and HOA fees for borrower primary residence,XXX included in mortgage payment or verification of monthly amounts. Provide verification taxes, insurance and HOA fees for borrower primary residence, XXX included in mortgage payment or verification of monthly amounts. Additional conditions may apply.

5/16/2017 - Lender provided the missing verification taxes, insurance and HOA fees for borrower primary residence, XXX.

5/16/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 17.99% DTI below guideline requirement of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified post closing reserves of $444,290.93 or 67.53 months subject PITI; reserves of 18 months PITI required or $118,418.22.

Client Complete

0213256472

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

D

A

A

A

D

A

CC

CA

VD

VA

RA

RA

Credit

Terms/Guidelines

Satisfied

C

A

CC

CA

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing verification of most recent 12 month rental history as required by guidelines. The file has 1/16 -12/16, closing date is xxxxx.

5.25.17 Lender provided updated rental history.

5.25.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.51 DTI below guideline requirement . CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 Credit score exceeds guidelines.

Client Complete

0213256472

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

D

A

A

A

D

A

CC

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.51 DTI below guideline requirement . CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 Credit score exceeds guidelines.

Client Complete

0918551815

XXXXXX

IA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS license reflects originator name including full middle name whereas lender documents includes middle initial.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Primary borrower receives commission income that was not included in income qual. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit with minimum debt outside of mortgage.

Client Complete

0918551815

XXXXXX

IA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Title

Satisfied

D

A

CD

CA

CRDTIL865

Title incomplete

No

File is missing either title commitment or final policy.

5/09/2017 - Lender provided the Title Commitment.

05/09/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Primary borrower receives commission income that was not included in income qual. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit with minimum debt outside of mortgage.

Client Complete

0536703114

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 credit score exceeds guideline requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 203.27 months verified reserves exceed guidelines.

Client Complete

0184927653

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Individual Originator shown as XXX does not match NMLS originator shown as XXX and no other name.

5.9.17 Client xxxxx approved to waive issues related to exact name matching on NMLS.

5.9.17 Final Grade B.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $1,527,324.90 or 340.83 months PITI reserves. Guidelines require 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 representative score exceeds the GL min of 720.

Complete

0184927653

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

5.10.17 - Lender provided List of homeowners counseling organizations.

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $1,527,324.90 or 340.83 months PITI reserves. Guidelines require 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 representative score exceeds the GL min of 720.

Complete

0184927653

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

Missing Right of Rescission form.

5.10.17: Lender provided ROR.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $1,527,324.90 or 340.83 months PITI reserves. Guidelines require 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 representative score exceeds the GL min of 720.

Complete

0184927653

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xx/xx/xxxx Closing Costs Financed (Paid from your Loan amount) shows $4006.88, whereas review verified $3456.80.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $1,527,324.90 or 340.83 months PITI reserves. Guidelines require 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 representative score exceeds the GL min of 720.

Complete

0184927653

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided on file.

5.10.17 - Lender provided WLP.

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $1,527,324.90 or 340.83 months PITI reserves. Guidelines require 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 representative score exceeds the GL min of 720.

Complete

0425499704

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations is not on file.

5.15.17-lender provide HOC list

5.15.17-conditions satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 23.88 months PITIA reserves. 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 representative score exceeds the GL min 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for 10.08 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.39% DTI is below the maximum allowed DTI of 43%.

Client Complete

0425499704

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Service Providers not provided.

5.15.17-SPL provided

5.15.2017-condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 23.88 months PITIA reserves. 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 representative score exceeds the GL min 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with same employer for 10.08 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.39% DTI is below the maximum allowed DTI of 43%.

Client Complete

0422359722

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been at current job for 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 743 exceeds the minimum of 680

Client Complete

0876973685

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

1.Please provide documents for family loan of $275,000. which was used for down payment and closing cost. 2.Missing proof of PITI for departing property located XXX.

5/16/2017 - Lender provided the documents for family loan of $275,000. which was used for down payment and closing cost, and the PITI for departing property located XXX.

5/16/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 812 exceeded the guideline requirement of 720 by 92 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower's LTV is 61.65%

Client Complete

0876973685

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing proof of PITI for departing property located XXX.

5/16/2017 - Lender provided the PITI for departing property located XXX.

5/16/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 812 exceeded the guideline requirement of 720 by 92 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower's LTV is 61.65%

Client Complete

0876973685

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Terms/Guidelines

Satisfied

C

A

CC

CA

CRDTER3122

Loan documents do not meet guideline requirements

No

Please provide documents for family loan of $275,000. which was used for down payment and closing cost.

5/16/2017 - Lender provided the documents for family loan of $275,000.

5/16/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 812 exceeded the guideline requirement of 720 by 92 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower's LTV is 61.65%

Client Complete

0125680037

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

A

A

CA

CA

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Provide the Verbal VOE from the previous employer to determine the termination date as Borrower's LOE states was unemployed from 06/2014 thru 06/2015 (taking time off for motherhood). In addition, provide a corrected Verbal VOE for the current employer as the start date shows 11/01/2014 which is > 2 years from the Note signing date of XXXXX.

5.5.17 Client provided VVOE dated 3.3.17

5.5.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 35.43%/35.92%, max allowed is 36.00%/43.00% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 716 exceeded the guideline requirement of 680 by 36 points.

Client Complete

0076501399

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer’s name on the Note, Mortgage, and the 1003 is XXX. The NMLS database verified the loan officer’s name as XXX. The Reg-Z requirement is for the Originator’s name to match the NMLS website exactly.

5.18.17 - Client provided exception approval to accept NMLS name variation. 5.22.17 – Client provided a rebuttal waiving issues related to exact name matches on NMLS

5.18.17 – Non-material exception. 5.26.17 – Non-material exception.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession 40.67 years CFCFS1739: Postive mortgage payment history - Clayton Comments: 0x30 mortgage history for 41 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 747 is 67 points above minimum program requirement of 680. CFCFS1736: Significant time at current residence - Clayton Comments: Co-Borrower has been in current residence for 15.31 years.

Client Complete

0076501399

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Property Valuations

Appraisal

Satisfied

N/A

A

N/A

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession 40.67 years CFCFS1739: Postive mortgage payment history - Clayton Comments: 0x30 mortgage history for 41 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 747 is 67 points above minimum program requirement of 680. CFCFS1736: Significant time at current residence - Clayton Comments: Co-Borrower has been in current residence for 15.31 years.

Client Complete

0561211383

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 797.

Client Complete

0203936506

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 783 exceeded the guideline requirement of 680 by 103 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 15 years in his profession.

Client Complete

0346861741

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC152

Missing verbal VOE required by guidelines

No

Verbal VOEs dated 2/27/17 for borrower and co-borrower are not within 20 business days prior to Note date XXX. Saturday included as business day.

5/09/2017 - Lender provided the VVOE for the Borrower and the Co Borrower.

5/09/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score of 781 exceeds the minimum guideline of 680 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 8 years in his profession.

Client Complete

0657173319

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing verification of PITI on REO property located on XXX.

05.10.17 Lender provided a copy of the PITI statement for XXX.

05.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current place of employment for 14.34 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 758 exceeds guideline requirements of 680 by 78 points CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.78% is below guideline requirements of 80% by 11.22 points

Complete

0657173319

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xx/xx/xxxx Calculating Cash to Close Section- Closing costs Financed (Paid from Your Loan Amount) $19,549.28 does not equate to the amount based on Reg's formula. The Total Closing Costs (J) $19,549.28 was not reduced by the amount Paid before Closing of $627.94 therefore has an incorrect value.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current place of employment for 14.34 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 758 exceeds guideline requirements of 680 by 78 points CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.78% is below guideline requirements of 80% by 11.22 points

Complete

0657173319

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Credit

DTI

Satisfied

B

A

CB

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of PITI on REO property located on XXX.

05.10.17 Lender provided a copy of the PITI statement for XXX.

05.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current place of employment for 14.34 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 758 exceeds guideline requirements of 680 by 78 points CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.78% is below guideline requirements of 80% by 11.22 points

Complete

0768000690

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Service provider list not found in file.

5/15/17 - SPL provided Dated 12/14

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 732; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 20.46%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 75.00%; max allowed LTV per guidelines is 80%.

Client Complete

0768000690

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $XXXXX.

5.2.17 Desk Review received valued at $XXXXX dated 5/2/17, value supported.

5.2.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 732; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 20.46%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 75.00%; max allowed LTV per guidelines is 80%.

Client Complete

0996838302

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

A

A

D

A

D

A

CC

CA

VA

VA

RD

RA

Compliance

Compliance Manual

Satisfied

C

A

RC

RA

CMPMAN2990

1003 - Final Application is not Accurate

No

Missing the final 1003 signed by both borrowers at closing.

05.10.17 Lender provided a copy of the signed final 1003.

05.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit history. No derogatory history, no public records evidenced and no collections evidenced. All tradelines are paid as agreed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 32.88 month reserves after closing exceed guideline requirements of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of the primary wage earner (766) exceed guideline requirement of 680 by 96 months.

Client Complete

0996838302

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

A

A

D

A

D

A

CC

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Security instrument in file is missing borrowers signature and notary.

05.10.17 Lender provided a copy of the mortgage with the borrowers signatures and notary stamp.

05.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit history. No derogatory history, no public records evidenced and no collections evidenced. All tradelines are paid as agreed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 32.88 month reserves after closing exceed guideline requirements of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of the primary wage earner (766) exceed guideline requirement of 680 by 96 months.

Client Complete

0996838302

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

A

A

D

A

D

A

CC

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

The security instrument in file is missing the borrowers' signatures.

05.10.17 Lender provided a copy of the mortgage with the borrowers signatures.

05.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit history. No derogatory history, no public records evidenced and no collections evidenced. All tradelines are paid as agreed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 32.88 month reserves after closing exceed guideline requirements of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of the primary wage earner (766) exceed guideline requirement of 680 by 96 months.

Client Complete

0996838302

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

A

A

D

A

D

A

CC

CA

VA

VA

RD

RA

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST3036

Assets reflect unsourced deposits

No

Missing supporting source of funds documentation to support transfer of $30,000 gift from borrowers' parents

5.20.17 - Lender provided the source of funds documentation to support transfer of $30,000 gift from borrowers' parents

5.20.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit history. No derogatory history, no public records evidenced and no collections evidenced. All tradelines are paid as agreed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 32.88 month reserves after closing exceed guideline requirements of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of the primary wage earner (766) exceed guideline requirement of 680 by 96 months.

Client Complete

0106678316

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

B

A

C

A

CC

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing the list of homeowners counseling organizations.

5.10.17 - Lender provided list of homeowners counseling organizations.

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 29.52%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 783; minimum required credit score per guidelines is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 42.81 months PITIA reserves. 12 months required.

Client Complete

0106678316

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

B

A

C

A

CC

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing the Written List of Providers.

5.10.17 - Lender provided WLP.

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 29.52%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 783; minimum required credit score per guidelines is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 42.81 months PITIA reserves. 12 months required.

Client Complete

0106678316

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

B

A

C

A

CC

CA

VA

VA

RB

RA

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST3036

Assets reflect unsourced deposits

No

File is missing 2 months consecutive months bank statements verifying acceptable source of funds and showing the earnest money deposits of $111,000 made on 9/17/2016, $10,000 made on 8/20/2016 and $25,000 made on 7/9/2016 clearing the borrowers' account(s). Any large deposits showing on the bank statements will require verification they are from an acceptable source.

5.20.17- Lender provided the 2 months consecutive months bank statements verifying acceptable source of funds and showing the earnest money deposits of $111,000 made on 9/17/2016, $10,000 made on 8/20/2016 and $25,000 made on 7/9/2016 clearing the borrowers' account(s).

5.20.17- Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 29.52%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 783; minimum required credit score per guidelines is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 42.81 months PITIA reserves. 12 months required.

Client Complete

0106678316

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

B

A

C

A

CC

CA

VA

VA

RB

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxxxx.

5.3.17 Desk Review received valued at $xxxxxx dated 5.3.17, value supported.

5.3.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 29.52%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 783; minimum required credit score per guidelines is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 42.81 months PITIA reserves. 12 months required.

Client Complete

0207747354

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

CB

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing a copy of the current hazard insurance policy, current year tax bill and a copy of monthly HOA Assessments/coupon for REO property, XXX.

05.18.17 Lender provided a copy of the mortgage stmnt showing the loan is escrowed. Please provide missing a copy of the current hazard insurance policy, current year tax bill and a copy of monthly HOA Assessments/coupon for REO property, XXX. 5.22.17 - Lender provide mortgage statement reflecting payment has escrow and bank statements reflecting direct debits for the HOA payment which is sufficient.

5.22.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 32.64Z%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 776; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been employed at xxxxx for 22.97 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed at xxxxx for 7.85 years.

Client Complete

0207747354

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

CB

CA

VA

VA

RD

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

5.10.17: Lender provided counseling list.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 32.64Z%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 776; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been employed at xxxxx for 22.97 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed at xxxxx for 7.85 years.

Client Complete

0207747354

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

CB

CA

VA

VA

RD

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

5.10.17: Lender provided SPL.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 32.64Z%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 776; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been employed at xxxxx for 22.97 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed at xxxxx for 7.85 years.

Client Complete

0207747354

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

CB

CA

VA

VA

RD

RA

Credit

DTI

Satisfied

B

A

CB

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing a copy of the current hazard insurance policy, current year tax bill and a copy of monthly HOA Assessments/coupon for REO property, xxx.

05.18.17 Lender provided a copy of the mortgage stmnt showing the loan is escrowed. Please provide missing a copy of the current hazard insurance policy, current year tax bill and a copy of monthly HOA Assessments/coupon for REO property, XXX. 5.22.17 - Lender provide mortgage statement reflecting payment has escrow and bank statements reflecting direct debits for the HOA payment which is sufficient.

5.22.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 32.64Z%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 776; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been employed at xxxxx for 22.97 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed at xxxxx for 7.85 years.

Client Complete

0207747354

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

CB

CA

VA

VA

RD

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxxxxx.

5.3.17 Desk Review received valued at $xxxxxx dated 5/3/17, value supported.

5.3.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 32.64Z%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 776; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been employed at xxxxx for 22.97 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed at xxxxx for 7.85 years.

Client Complete

0437964641

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 20.97% is 22.03% is < maximum DTI of 43.00%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as XXX for 6 years.

Client Complete

0337854044

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

CA

CA

VA

VA

RC

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations is missing from the file.

5.10.17: Lender provided Counseling List.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 716; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 29.69%; max allowed DTI per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 21.36 months PITI reserves. 12 months required.

Client Complete

0337854044

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

CA

CA

VA

VA

RC

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers is missing from the file.

5.10.17: SPL provided

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 716; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 29.69%; max allowed DTI per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 21.36 months PITI reserves. 12 months required.

Client Complete

0337854044

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

CA

CA

VA

VA

RC

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

RC

RA

CMPTRID3552

TRID - Loan Estimate not timely

No

The initial loan application (1003) provided in the file was signed and dated by the loan officer on xx/xx/xxxx. The earliest Loan Estimate provided in the file was issued on xx/xx/xxxx.

(No Data)

5.5.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 716; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 29.69%; max allowed DTI per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 21.36 months PITI reserves. 12 months required.

Client Complete

0337854044

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

CA

CA

VA

VA

RC

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of CDA supporting the original appraised value of $xxxxxx.

5.2.17 Desk Review received value at $xxxxxx dated 5.2.17, value supported.AH608

5.2.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 716; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 29.69%; max allowed DTI per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 21.36 months PITI reserves. 12 months required.

Client Complete

0707715288

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Provide complete credit report for borrower 1

05.18.17 Lender provided a copy of the complete CBR with B1 info included.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower is XXX for 6.4 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 48 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Co-Borrower receives Alimony of $7,105 per month not used in qualifying ($85,260/12 = $7,105) supported by 2 year's tax returns and 2015 tax transcripts. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on same job for 6.95 years.

Client Complete

0707715288

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH183

Credit report incomplete

No

Provide the most recent, complete credit report for the Borrower as the credit report dated 01/26/2017 only shows the Co-Borrower's name. The credit report dated 02/10/2017 for the Borrower shows only the Verification of Rent and median credit scores.

05.18.17 Lender provided 01/26/17 with borrower info.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower is XXX for 6.4 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 48 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Co-Borrower receives Alimony of $7,105 per month not used in qualifying ($85,260/12 = $7,105) supported by 2 year's tax returns and 2015 tax transcripts. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on same job for 6.95 years.

Client Complete

0707715288

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2408

Income verification does not meet guidelines

No

Provide legible copies of the XXX statements to determine bonus income. In addition, provide a LOE to show that the bonus income has not declined as the difference from the 2014 W-2 to 2015 W-2 total income is $65,704 of which is > 20% decline which would lead to unstable income and not used to qualify ***additional exceptions may apply with regards to DTI.

05.18.17 Lender provided a copy of the XXX statement, however, the statement is illegible. Please provide a clear copy. 5.30.17 - Lender provided the XXX statement, LOE, and statement shows increase of Bonus income from 2015 to 2016.

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower is XXX for 6.4 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 48 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Co-Borrower receives Alimony of $7,105 per month not used in qualifying ($85,260/12 = $7,105) supported by 2 year's tax returns and 2015 tax transcripts. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on same job for 6.95 years.

Client Complete

0707715288

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Provide the fully executed Final 4506-T for both Borrowers'.

05.18.17 Lender provided a copy of the 4506T for both borrowers.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower is XXX for 6.4 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 48 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Co-Borrower receives Alimony of $7,105 per month not used in qualifying ($85,260/12 = $7,105) supported by 2 year's tax returns and 2015 tax transcripts. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on same job for 6.95 years.

Client Complete

0833277651

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

C

A

B

B

C

B

CC

CB

VC

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes first suffix (xxxxx), no name variation without first suffix (xxxxx).

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 21.7 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 15.6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 37.50%, maximum LTV of 70.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $514,472.50 or 97.51 months PITI reserves. 12 months required.

Complete

0833277651

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

C

A

B

B

C

B

CC

CB

VC

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Waived

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xx/xx/xxxx: Closing Costs Financed (Paid from your loan amount) of $7,135.08 whereas review verified $6,492.20. Non-Numerical Error Can be satisfied non-material with client consent to Legacy TILA Cure 130(B), corrected post close CD, LOX, and verification sent to borrower.

5.5.17 - Lender provided rebuttal they disagree however the correct Closing Costs Financed is $6,492.20.5.8.17 Client provided approval closing costs financed difference of $7135.08 versus the review of $6492.20

Final Grade B

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 21.7 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 15.6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 37.50%, maximum LTV of 70.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $514,472.50 or 97.51 months PITI reserves. 12 months required.

Complete

0833277651

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

C

A

B

B

C

B

CC

CB

VC

VA

RB

RB

Credit

Terms/Guidelines

Active

C

B

CC

CB

CRDTER109

Cash Out Amount Exceeds Guidelines

No

The Cash out of $743,507.80 exceed the maximum Cash out of $500,000.00 by $243,507.80. UW Decision Summary indicates exception approved for cash out of $730k to reimburse funds use for home renovation.

5.22.17 Client rebuttal is lender approved exception in file, however file is missing documentation of all cash purchase.

5.22.17 After further review by Senior Underwriter, borrower renovated home is recouping expenses. Per appraisal, high end renovation just completed. Non material exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 21.7 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 15.6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 37.50%, maximum LTV of 70.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $514,472.50 or 97.51 months PITI reserves. 12 months required.

Complete

0833277651

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

C

A

B

B

C

B

CC

CB

VC

VA

RB

RB

Property Valuations

Property

Satisfied

C

A

VC

VA

PRVAPROP177

Property Issues Indicated

No

Provide the updated Appraisal Completion Report.

5/09/2017 - Lender provided the Appraisal Completion report dated 3/09/2017

5/09/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 21.7 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 15.6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 37.50%, maximum LTV of 70.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $514,472.50 or 97.51 months PITI reserves. 12 months required.

Complete

0428282147

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

D

A

D

A

CD

CA

VB

VA

RD

RA

Compliance

Compliance Manual

Satisfied

D

A

RD

RA

CMPMAN2478

Missing Legal Documentation

No

Missing Legal Description for Deed of Trust.

05.18.17 Lender provided a copy of the legal description.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their Primary Residence for 28 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 36 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 727 exceeded the guideline requirement of 680 by 47 points.

Client Complete

0428282147

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

D

A

D

A

CD

CA

VB

VA

RD

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing xxxxx.

5/16/2017 - Lender provided the missing xxxxx.

5/16/2017 - exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their Primary Residence for 28 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 36 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 727 exceeded the guideline requirement of 680 by 47 points.

Client Complete

0428282147

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

D

A

D

A

CD

CA

VB

VA

RD

RA

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR2400

Missing Flood Certification Document

No

Missing Flood Certification.

05.18.17 Lender provided a copy of the flood cert property is not in a flood zone.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their Primary Residence for 28 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 36 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 727 exceeded the guideline requirement of 680 by 47 points.

Client Complete

0428282147

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

D

A

D

A

CD

CA

VB

VA

RD

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2644

Missing proof there were no draws on HELOC in the last 12 months > $2,000

No

Missing proof there were no draws on HELOC being paid off in the last 12 months > $2,000.00.

5/16/2017 - Lender provided proof there were no draws on HELOC being paid off in the last 12 months > $2,000.00.

5/16/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their Primary Residence for 28 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 36 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 727 exceeded the guideline requirement of 680 by 47 points.

Client Complete

0428282147

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

D

A

D

A

CD

CA

VB

VA

RD

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

2/23/2017 Public Severe Winter Storms, Flooding, and Mudslides

5.12.17 Post Disaster Inspection confirm no damages to property.

5.12.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in their Primary Residence for 28 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 36 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 727 exceeded the guideline requirement of 680 by 47 points.

Client Complete

0108921471

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS does not include xxxxx

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 799 is 79 points above minimum program requirement of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.85% DTI is below the maximum allowed DTI of 43%.

Client Complete

0108921471

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Assets

Satisfied

D

A

CD

CA

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

File contains documentation showing liquidation of XXX accounts XXX and *XXX; however, file is missing updated checking/savings account statements verifying receipt of these funds by the borrowers and showing the EMD clearing their account as well.

5.20.17- Lender provided the documentation showing liquidation of XXX accounts *XXX and *XXX; however, file is missing updated checking/savings account statements verifying receipt of these funds by the borrowers and showing the EMD clearing their account as well.

5.20.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 799 is 79 points above minimum program requirement of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.85% DTI is below the maximum allowed DTI of 43%.

Client Complete

0431414921

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

B

A

A

A

B

A

CA

CA

VB

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

Severe Winter Storms, Flooding, and Mudslides Natural disaster on 4/1/17 with no subsequent inspection in file.

5.9.17 Post Disaster Inspection provided reflecting no damage.

5.9.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked self employed at current job for over 13 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers scores are 760/801 which exceeds guidelines requirements of 720. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for over 17 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has been on same job for 9.38 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: mortgage payment history is 0x30x84; guidelines require 0x30x12.

Client Complete

0848813629

XXXXXX

WI

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Provide the Verbal VOE for the previous employer as Borrower's start date on the current job is xxx from the Note signing date of xxx. The Final 1003 shows previous employer termination date of xxx Guidelines require 2 year's verification of employment history.

(No Data)

04.28.17 Borrower's current employment was verified with offer letter; borrower's approved DTI is 28.57% based on income from new job, income documentation was provided from previous employment that supports qualified income. Non-material exception level B.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.57% is 14.43% below the maximum DTI of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 72.88% is 7.12% lower than the maximum LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 785 is 55 points above the required score of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 51.98 months or $146,315.35 exceeds the required reserves of 12 months.

Complete

0550561592

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Provide 2 years tax returns/K1's/W2's for XXX.

5.20.17 Lender provided 2014 & 2015 1120s with K1 for XXX.

5.20.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 744. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.51% is 18.49% lower then the maximum allowable DTI of 43%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Primary Mortgage rate 43 months with 0x30.

Client Complete

0550561592

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS Reflects XXX and XXX. Documents executed as XXX.

5.10.17 Client WFHL waive issues related to exact name matches on NMLS.

5.10.17 Final Grade B.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 744. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.51% is 18.49% lower then the maximum allowable DTI of 43%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Primary Mortgage rate 43 months with 0x30.

Client Complete

0550561592

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC2488

Verbal verification of employment missing

No

Provide a 3rd a party VVOE for the Borrower, dated within 30 days of the Note date.

5.20.17 Lender provided VVOE dated 3/10/17

5.20.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 744. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.51% is 18.49% lower then the maximum allowable DTI of 43%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Primary Mortgage rate 43 months with 0x30.

Client Complete

0550561592

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Missing 2 years tax returns/K1's/W2's for XXX.

5.20.17 Lender provided 2014 & 2015 1120s with K1 for XXX.

5.20.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 744. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.51% is 18.49% lower then the maximum allowable DTI of 43%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Primary Mortgage rate 43 months with 0x30.

Client Complete

0987475707

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Waived

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xx/xx/xxxx Calculating Cash to Close section Closing Costs Financed (paid from your loan amount) value of $4,601.61 does not equal Total Closing Costs (J) less the costs paid before close calculated by Clayton totaling $3,967.71. ..

5.5.17 - Lender provided a rebuttal indicating they disagree. Lender's rebuttal: Disagree with investor. The XXX Compliance Team does not validate the accuracy of the Closing Costs Financed (Paid from your Loan Amount) figure in the Calculating Cash to Close Table. However, per CFPB Guide to loan estimate and closing disclosure forms, Closing Costs Financed (Paid from your Loan Amount) is the sum of the amounts in the Final column of the Loan Amount and Total Payoffs and Payments. However, the amount is disclosed only if the sum is greater than zero and no larger than the Total Closing Costs (deducting the amount in the Final column of Closing Costs Paid Before Closing). (§ 1026.38(e)(6)). For this loan, the Closing Costs Financed (Paid from your Loan Amount) figure of $7,135.08 (the Total Closing Costs) disclosed on the Final CD dated xx/xx/xxxx is accurate because the Cash to Close to the borrower of $743,507.80 exceeds the Closing Costs Paid Before Closing of $642.88. This is not a testing defect so corrective action is not required. ** Clayton rebuttal: Closing costs financed is $3,967.71 per the Final CD dated xx/xx/xxxx (we do not have a CD from xx/xx/xxxx being referenced). $4,601.61 - $633.90 (before closing) = $3,967.71. 5.8.17 Client approved exception for Calculating Cash to Close section Closing Costs Financed (paid from your loan amount) value of $4,601.61 does not equal Total Closing Costs (J) less the costs paid before close calculated by Clayton totaling $3,967.71.

Final Grade B

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 58.19% is 11.81% less than the maximum LTV of 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 761 is 41 points higher than the required score of 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage paid as agreed for 76 months with 0x30. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.53% DTI is below the maximum of 43%

Complete

0987475707

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 02/23/2017 Storms, Flooding and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

05.05.17 Lender provided notes advising no damage to the property. However, in order to clear this exception a property disaster inspection would be required. 5.9.17 Post Disaster Inspection provided reflecting no damage.

5.9.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 58.19% is 11.81% less than the maximum LTV of 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 761 is 41 points higher than the required score of 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage paid as agreed for 76 months with 0x30. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.53% DTI is below the maximum of 43%

Complete

0621360461

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

Property Valuations

FEMA

Satisfied

A

A

VA

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

Fema Declaration Date 4/1/2017, Effective Date 2/23/2017 due to Severe Winter Storms, Flooding, and Mudslides. Declaration XXX. The Transaction date xxxxx.

5.16.17 Post Disaster Inspection confirm no damages to property.

5.16.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score from the Borrower 768 is 88 points above the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 17.90 is below maximum DTI of 43%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage paid as agreed for 25 months 0x30/12.

Client Complete

0349220317

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

CD

CA

VB

VA

RA

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

N/A

A

N/A

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing evidence of PITI for XXX and XXX

5.18.2017 -Lender provided XXX, and evidence owned free and clear. Missing evidence of PITI for XXX and XXX. 5.25.17 - Lender provided the evidence of PITI for XXX.

5.25.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 701 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: borrower has 18 years in current profession.

Client Complete

0349220317

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

CD

CA

VB

VA

RA

RA

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST115

Cash reserves do not meet guidelines

No

10 months post closing cash reserves available. 12 months required.

5.21.17 Lender provided same bank statements. 5.26.17 Lender states "Borrowers have XXX checking $11,495.24;XXX savings $2,657.21; XXX checking $3,919.97; and XXX $15,922.69, earnest money $43,000 paid with draw on departure residence HELOC. Departure residence sold prior to closing, proceeds of $xxxxx per estimated closing disclosure, total non retirement assets $409,574.16, final closing disclosure reflects $276,013.64 needed to close, resulting in non retirement reserves of $133,560.52 (20.21 months PITI). Borrowers also have XXX funds $40691.71 and $93,661.33 that could also be used to meet 50% of required reserves (documentation attached)." Received documentation showing prior residence sold.

5.26.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 701 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: borrower has 18 years in current profession.

Client Complete

0349220317

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

CD

CA

VB

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH183

Credit report incomplete

No

Initial credit report 1/31/17 missing several pages. Did find another credit report but was pulled post close and is dated 3/29/17.

5/18/2017 -Lender provided complete credit report 1/31/17.

5/18/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 701 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: borrower has 18 years in current profession.

Client Complete

0349220317

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

CD

CA

VB

VA

RA

RA

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing evidence of PITI for XXX, and evidence owned free and clear, or sold. Missing evidence of PITI for XXX.

5/18/2017 -Lender provided XXX, and evidence owned free and clear. Missing evidence of PITI for XXX and XXX. 5.25.17 - Lender provided the evidence of PITI for XXX.

5.25.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 701 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: borrower has 18 years in current profession.

Client Complete

0349220317

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

CD

CA

VB

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

2/14/2017 1/12/2017 Public Severe Winter Storms, Flooding, and Mudslides Severe Winter Storms, Flooding, and Mudslides 4301, not date xxxxx.

5.12.17 Post Disaster Inspection confirm no damages to property.

5.12.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 701 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: borrower has 18 years in current profession.

Client Complete

0595813475

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support appraised value of $xxxxxx

5.22.17 Desk Review received valued at $xxxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 753 exceeded the guideline requirement of 720 by 33 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 11.54 / 13.62, max allowed is 36/43 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with Current employer for the past 8 years

Client Complete

0673760116

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

B

B

D

B

CD

CB

VD

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD xx/xx/xxxx Calculating Cash to Close section (Alt Version) is $4180.26 does not equate to the amount based on the Reg's formula of $xxxxxx - xxxxxx.xx - xxxx.xx = 3643.38

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 733 exceeded the guideline requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer for the past 32yrs CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower's LTV is 57.471, max allowed is 80%

Complete

0673760116

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

B

B

D

B

CD

CB

VD

VA

RB

RB

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2408

Income verification does not meet guidelines

No

Missing Complete 2014 1040's

5.30.17 - Client provided the Complete 2014 1040's

5.30.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 733 exceeded the guideline requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer for the past 32yrs CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower's LTV is 57.471, max allowed is 80%

Complete

0673760116

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

B

B

D

B

CD

CB

VD

VA

RB

RB

Credit

Terms/Guidelines

Active

B

B

CB

CB

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Max cash out allowed has a cap of 1%. Borrower received $5,424.57 at closing, which exceeds maximum by $424.57.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 733 exceeded the guideline requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer for the past 32yrs CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower's LTV is 57.471, max allowed is 80%

Complete

0673760116

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

B

B

D

B

CD

CB

VD

VA

RB

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing third party desk review to support an appraised value of $xxxxxx

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 733 exceeded the guideline requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer for the past 32yrs CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower's LTV is 57.471, max allowed is 80%

Complete

0673760116

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

B

B

D

B

CD

CB

VD

VA

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

Latest inspection in file is the appraisal dated 2.5.17FEMA Declaration was 4.1.17, Effective 2.23.17

5.27.17 Post Disaster Inspection confirm no damages to property.

5.27.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 733 exceeded the guideline requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer for the past 32yrs CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower's LTV is 57.471, max allowed is 80%

Complete

0516014297

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.52% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $221,531.01 or 51.39 months reserves; guidelines require 12 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 credit score; minimum required is 680.

Complete

0246454537

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxxxxx.

5.2.17 Desk Review received value at $xxxxxx dated 5.2.17, value supported.

5.2.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 56.73%; max allowed LTV per guidelines is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 33.67%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 753 is > minimum required score of 680.

Client Complete

0246454537

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Property

Satisfied

D

A

VD

VA

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Missing a completed HOA Certificate/Questionnaire.

5.21.17 Lender provided UW notes confirmation approval of project. However exception remains for XXX 5.31.17 Lender rebuttal states project was streamline approval

5.31.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 56.73%; max allowed LTV per guidelines is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 33.67%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 753 is > minimum required score of 680.

Client Complete

0532118355

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

D

A

D

A

D

A

CB

CA

VD

VA

RD

RA

Compliance

State Consumer Protection

Satisfied

D

A

RD

RA

CMPSTCP2057

Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file

No

XXX Pred Lend Database - No Cert of Compliance or Cert of Exemption in file found

5.22.17 Lender provided Cert of Exemption

5.22.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for the past 12.1 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 791 exceeded the guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 37.78%, maximum allow is 43%.

Client Complete

0532118355

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

D

A

D

A

D

A

CB

CA

VD

VA

RD

RA

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC3204

Income Documentation Missing

No

Provide the fully executed and dated Final 4506-T form as only the Initial 4506-T form located in the file.

5.24.17 Lender provided final 4506-T.

5.24.17 exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for the past 12.1 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 791 exceeded the guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 37.78%, maximum allow is 43%.

Client Complete

0532118355

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

D

A

D

A

D

A

CB

CA

VD

VA

RD

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support an appraised value of $xxxxxx

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for the past 12.1 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 791 exceeded the guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 37.78%, maximum allow is 43%.

Client Complete

0221966057

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Provide the Insurance for XXX. Missing complete Taxes and Insurance for XXX, currently not provided.

05.10.17 Lender provided a copy of missing T & I for XXX.

05.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $632,880.97 or 179.23 months in PITIA reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 representative score exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years at current job.

Client Complete

0221966057

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Provide the Insurance for XXX. Missing complete Taxes and Insurance for XXX, currently not provided.

05.10.17 Lender provided a copy of missing T & I for XXX.

05.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves $632,880.97 or 179.23 months in PITIA reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 representative score exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years at current job.

Client Complete

0644056829

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing documentation to complete the ATR/QM status determination review: Credit report in file shows XXX HELOC acct #XXX as open for the departing residence (XXX) with an available balance of $800,000 and Open End Mortgage indicates loan will be due and payable xx/xx/xxxx. Provide evidence this HELOC account has been closed to future draws and satisfied of record. ***additional exceptions may apply to DTI.

5.26.17 - Lenders rebuttal - XXX HELOC on non-subject property (departure) is still open with no outstanding balance. HELOC opened xx-xxxx with no activity in the last 24 months. Per lender guidelines, a monthly payment was not required to be included in the total monthly obligations.

5.26.17 - Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 16.49% is below Program Guidelines of 43.00% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 813 exceeds Program Guidelines of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 115.76 months PITI reserves; guidelines require 12 months

Client Complete

0437155707

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

CA

CA

VA

VA

RC

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

RC

RA

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Initial CD issued and transaction date was xxx, however there is no proof in file borrower received CD 3 days prior to closing. File is missing CD xxx with sequence number xxx.

7.11.17 Client provided document tracking sheet showing CD xxx electronically delivered to borrower on xxx. However, file is still missing the CD xxx. Only CD in file was prepared by title company at closing. Exception remains for CD xxx sequence xxx. 7.13.17 - Lender provided CD from xxx.

7.13.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: 22 years in same profession CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.15% below guideline requirements of 43% by 21.85 points. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 805 exceed guideline requirements of 680 by 125 points

Complete

0614391228

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

N/A

A

N/A

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Provide page 5 of the credit report

05.09.17 Lender provided a complete credit report.

05.09.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 18 years 3 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 740. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.03% is below Program Guidelines of 43.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 14 years 6 months at the current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 18 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 34 months PITI reserves; guidelines require 6 months

Complete

0614391228

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

On CD xx/xx/xxxx the Closing Costs Financed value of $7502.61 on the Calculating Cash to Close table does not match the Clayton calculation of $7472.73 since the Closing Costs Paid Before Closing value was not subtracted from the Total Closing Costs.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 18 years 3 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 740. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.03% is below Program Guidelines of 43.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 14 years 6 months at the current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 18 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 34 months PITI reserves; guidelines require 6 months

Complete

0614391228

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH2544

Missing credit report used in the AUS analysis

No

Provide page 5 of the credit report dated 2/2/17.

05.09.17 Lender provided complete credit report all pages.

05.09.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 18 years 3 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 740. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.03% is below Program Guidelines of 43.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 14 years 6 months at the current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 18 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 34 months PITI reserves; guidelines require 6 months

Complete

0614391228

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Provide verification of Hazard insurance on the subject property.

05.09.17 Lender provided a copy of the HOI.

05.09.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 18 years 3 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 740. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.03% is below Program Guidelines of 43.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 14 years 6 months at the current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 18 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 34 months PITI reserves; guidelines require 6 months

Complete

0004354646

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

N/A

A

N/A

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

2015 K-1 for XXX not provided. 2014 is in file showing 10% ownership, 2015 is needed to match 2015 1040 and to document ownership did not increase above 25%. Taxes and Insurance info not provided for XXX, XXX, Taxes for raw land and evidence free and clear.

6.1.17 - Lender provided documentation to support amounts used on the 1003 for XXX, XXX and the raw land.

6.1.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have cash reserves of $550,299.09 or 128.84 months, subject PITI; per guidelines, 12 months PITI required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 representative score exceeds the GL requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 37 years in current job.

Client Complete

0004354646

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Taxes and Insurance info not provided for XXX, XXX, Taxes for raw land and evidence free and clear.

6.1.17 - Lender provided documentation to support amounts used on the 1003 for XXX and the raw land.

6.1.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have cash reserves of $550,299.09 or 128.84 months, subject PITI; per guidelines, 12 months PITI required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 representative score exceeds the GL requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 37 years in current job.

Client Complete

0004354646

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2408

Income verification does not meet guidelines

No

2015 K-1 for XXX not provided. 2014 is in file showing 10% ownership, 2015 is needed to match 2015 1040 and to document ownership did not increase above 25%.

6.1.17 - Lender provided 2015 K-1 matching 1040 and still reflecting 10% ownership.

6.1.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have cash reserves of $550,299.09 or 128.84 months, subject PITI; per guidelines, 12 months PITI required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 representative score exceeds the GL requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 37 years in current job.

Client Complete

0351751602

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing the updated valuation.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 30.76; max per guidelines is 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 788. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 10 yrs.

Client Complete

0486881119

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

N/A

A

N/A

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

The credit report dated 1/24/2017 is missing pages to support the disclosed credit scores reported from the three credit bureaus. In addition, missing pages to report additional disclosed debts obligations, including current mortgages.

05.11.17 Lender provided a copy of the credit report complete with all pages with the 12 month history.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 50.81%; max allowed LTV per guidelines is 80%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: the Borrower has been employed at XXX for 19 years and 6 months.

Client Complete

0486881119

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

B

A

RB

RA

CMPDOC2514

Mortgage/Deed of Trust has not been recorded and/or sent for recording

No

Provide copy of fully executed mortgage; copy in file is unsigned.

05.09.17 Lender provided a copy of the signed and executed copy of the mortgage.

05.09.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 50.81%; max allowed LTV per guidelines is 80%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: the Borrower has been employed at XXX for 19 years and 6 months.

Client Complete

0486881119

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Copy of Mortgage provided is not signed and is not notarized.

05.09.17 Lender provided a copy of the completed and executed mortgage.

05.09.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 50.81%; max allowed LTV per guidelines is 80%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: the Borrower has been employed at XXX for 19 years and 6 months.

Client Complete

0486881119

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Please provide copy of fully executed mortgage; copy provided is unsigned.

05.09.17 Lender provided a copy of the completed and executed mortgage.

05.09.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 50.81%; max allowed LTV per guidelines is 80%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: the Borrower has been employed at XXX for 19 years and 6 months.

Client Complete

0486881119

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

RC

RA

CMPTRID3730

TRID - Error #2 discovered on Closing Disclosure

No

Final CD xx/xx/xxxx page #5 is cut off on top of page and missing Total number of Payments in Loan Calculations, need complete and fully executed copy of page #5.

5.9.17-All pages to final CD xx/xx/xxxx provided

5.9.17-condition satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 50.81%; max allowed LTV per guidelines is 80%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: the Borrower has been employed at XXX for 19 years and 6 months.

Client Complete

0486881119

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

RC

RA

CMPTRID4350

TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form

No

Final CD xx/xx/xxxx Other Disclosure Section is cut off at the top and missing appraisal disclosure verbiage. Provide complete page 5 of CD.

5.9.17-Page 5 of Final CD xx/xx/xxxx provided.

5.9.17-condition satisfied

Hybrid

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 50.81%; max allowed LTV per guidelines is 80%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: the Borrower has been employed at XXX for 19 years and 6 months.

Client Complete

0486881119

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Missing prior 12 mo. mortgage history per guidelines; credit report provided is incomplete and missing pages.

05.11.17 Lender provided a copy of the credit report complete with all pages 12 month history.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 50.81%; max allowed LTV per guidelines is 80%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: the Borrower has been employed at XXX for 19 years and 6 months.

Client Complete

0486881119

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH183

Credit report incomplete

No

The credit report dated 1/24/2017 is missing pages to support the disclosed credit scores reported from the three credit bureaus. In addition, missing pages to report additional disclosed debts obligations (mortgages, etc.).

05.11.17 Lender provided a copy of the credit report complete with all pages.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 50.81%; max allowed LTV per guidelines is 80%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: the Borrower has been employed at XXX for 19 years and 6 months.

Client Complete

0486881119

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2864

Copy of Mortgage/Deed in file is incomplete

No

Please provide copy of fully executed mortgage.

05.09.17 Lender provided a copy of the completed and executed mortgage.

05.09.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 50.81%; max allowed LTV per guidelines is 80%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: the Borrower has been employed at XXX for 19 years and 6 months.

Client Complete

0066177384

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

$42.70 Ten Percent tolerance due to increase in recording fees from Loan Estimate to Final CD. Final CD provided cure.Downgraded and satisfied non-material.

(No Data)

4.25.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.01% DTI; max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $807,009.15. Statements in file supported assets of $1,324,366.94 with reserves of $408,675.73.24 months reserves required or $333,611.36 ($14,067.14 x 24).

Client Complete

0281539416

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

CD

CB

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Missing signed mortgage by applicant. Verified not in loose file.

5.9.17 - Lender provided signed mortgage.

5.9.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 18%, max per guidelines is 43%

Complete

0281539416

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

CD

CB

VA

VA

RD

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP157

Application Not Signed by Primary Borrower

No

Missing signed final 1003 by borrower.

5.9.17 - Lender provided borrower signed final 1003.

5.9.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 18%, max per guidelines is 43%

Complete

0281539416

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

CD

CB

VA

VA

RD

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP227

Application Not Signed by Co-Borrower

No

Missing signed final 1003 by co borrower.

5.9.17 - Lender provided co- borrower signed final 1003.

5.9.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 18%, max per guidelines is 43%

Complete

0281539416

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

CD

CB

VA

VA

RD

RA

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Per guidelines borrower has insufficient credit and does not meet the criteria for sufficient credit. Borrower has two trade lines. Exception approval provided in file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 18%, max per guidelines is 43%

Complete

0281539416

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

CD

CB

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Missing signed 4506T for Co Borrower. The E-signed 4506T for borrower is in the file.

5.9.17 - Lender provided 4506-T signed by both borrowers.

5.9.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 18%, max per guidelines is 43%

Complete

0637339007

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

Missing documentation related to citizenship for B1

5.30.17 Lender provided I-797 which shows visa doesn't expire till 2019.

5.30.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 718 exceeded the guideline requirement of 680 by 38 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: CD required funds to close of $462,604.42.Statements in file supported assets of $640,159.45 with reserves of $177,555.03 with 12 months reserves required with a loan amount <$2MM< 80% LTV ($3,780.03 x 12 = $45,360.36) for a total of $45,306.36. reserves required.Borrower has Remaining $ 132,194.67 in reserves.

Client Complete

0637339007

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Missing Verification of Rental for current address at XXX for B1 and B2.

5.30.17 Lender provided documentation of bank statements showing rents being paid.

5.30.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 718 exceeded the guideline requirement of 680 by 38 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: CD required funds to close of $462,604.42.Statements in file supported assets of $640,159.45 with reserves of $177,555.03 with 12 months reserves required with a loan amount <$2MM< 80% LTV ($3,780.03 x 12 = $45,360.36) for a total of $45,306.36. reserves required.Borrower has Remaining $ 132,194.67 in reserves.

Client Complete

0637339007

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2408

Income verification does not meet guidelines

No

Missing Paystub for B1 coving 30 days of earnings.

5.30.17 lender provided paystub for month

5.30.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 718 exceeded the guideline requirement of 680 by 38 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: CD required funds to close of $462,604.42.Statements in file supported assets of $640,159.45 with reserves of $177,555.03 with 12 months reserves required with a loan amount <$2MM< 80% LTV ($3,780.03 x 12 = $45,360.36) for a total of $45,306.36. reserves required.Borrower has Remaining $ 132,194.67 in reserves.

Client Complete

0637339007

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing valuation supporting the original appraised value of $xxxxxx

5.22.17 Desk Review received valued at $xxxxxx dated 5/22/17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 718 exceeded the guideline requirement of 680 by 38 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: CD required funds to close of $462,604.42.Statements in file supported assets of $640,159.45 with reserves of $177,555.03 with 12 months reserves required with a loan amount <$2MM< 80% LTV ($3,780.03 x 12 = $45,360.36) for a total of $45,306.36. reserves required.Borrower has Remaining $ 132,194.67 in reserves.

Client Complete

0637339007

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Property Valuations

Property

Satisfied

D

A

VD

VA

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Missing Condo Questionnaire and Condo Budget for Subject Property.

5.26.17 - Lender provided clarification on policy and additional questionnaire is not necessary per guidelines.

5.26.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 718 exceeded the guideline requirement of 680 by 38 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: CD required funds to close of $462,604.42.Statements in file supported assets of $640,159.45 with reserves of $177,555.03 with 12 months reserves required with a loan amount <$2MM< 80% LTV ($3,780.03 x 12 = $45,360.36) for a total of $45,306.36. reserves required.Borrower has Remaining $ 132,194.67 in reserves.

Client Complete

0192596650

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

D

A

D

A

CA

CA

VD

VA

RD

RA

Compliance

State Consumer Protection

Satisfied

D

A

RD

RA

CMPSTCP2057

Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file

No

XXX Anti Predatory and Compliance Cert are missing in file

5.24.17 - Lender provided XXX Anti-Predatory Certificate of Exemption.

5.24.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70% is below the GL maximum of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.23% DTI is below the maximum allowed DTI of 43%.

Client Complete

0192596650

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

D

A

D

A

CA

CA

VD

VA

RD

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70% is below the GL maximum of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.23% DTI is below the maximum allowed DTI of 43%.

Client Complete

0992393698

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD xx/xx/xxxx Calculating Cash to Close section (Alt Version) is $7432.06 which does not equate to the amount based on the Reg's formula 498000 - 490567.94 - 575.78 = 6856.28

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 62.64%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 742; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower is an xxx at xxx for 14.05 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $0. Statements in-file supports liquid assets/reserves of $199,969.77 exceeding the 12 months PITIA reserves req'd of $45,952.32 ($3,799.36X12).

Complete

0992393698

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Credit

DTI

Active

B

B

CB

CB

CRDDTI105

Debt Ratio Exception 5% or Less

No

Max allowed housing DTI ratio is 36%. The Borrower's current housing ratio is 39.65% exceeding by 3.65%. HOA per a appraisal is $940/mo. Lender qualified with HOA fee of $300/mo. Final CD estimates the annual HOA @ $3,600 or $316.67/mo. Condo cert does not confirm the monthly HOA.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 62.64%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 742; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower is an xxx at xxx for 14.05 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $0. Statements in-file supports liquid assets/reserves of $199,969.77 exceeding the 12 months PITIA reserves req'd of $45,952.32 ($3,799.36X12).

Complete

0992393698

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing valuation supporting the original appraised value of $xxxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 62.64%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 742; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower is an xxx at xxx for 14.05 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $0. Statements in-file supports liquid assets/reserves of $199,969.77 exceeding the 12 months PITIA reserves req'd of $45,952.32 ($3,799.36X12).

Complete

0992393698

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Property Valuations

Property

Satisfied

C

A

VC

VA

PRVAPROP241

Property Type unacceptable under guidelines

No

GL's require 70% owner occupancy for condos. Owner occupancy is 51.23% and does not meet GL's.

5.30.17 - Client provided the Condo Project Approval.

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 62.64%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 742; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower is an xxx at xxx for 14.05 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $0. Statements in-file supports liquid assets/reserves of $199,969.77 exceeding the 12 months PITIA reserves req'd of $45,952.32 ($3,799.36X12).

Complete

0919797752

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

B

B

B

C

B

CA

CA

VC

VB

RB

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

N/A

A

N/A

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Provide signature pages for 1040 personal returns.

5.31.2017 Lender provided signature pages for 2014 & 2015 1040. Per lender guidelines if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting; no other signature was required for 1040 personal returns. Signature pages attached.

5.31.2017 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 817. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 49.10% is 30.90% lower than the maximum LTV of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.40% is 10.10% below the maximum allowable DTI of 43%.

Complete

0919797752

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

B

B

B

C

B

CA

CA

VC

VB

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS- XXX and XXX. Documents executed XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 817. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 49.10% is 30.90% lower than the maximum LTV of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.40% is 10.10% below the maximum allowable DTI of 43%.

Complete

0919797752

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

B

B

B

C

B

CA

CA

VC

VB

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster xxx Severe Winter Storms, Flooding and Mudslides. Clayton grades “FEMA: Natural Disaster Area, no subsequent inspection (Public)” as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.26.17 Post Disaster Inspection confirm no damages to property.

5.26.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 817. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 49.10% is 30.90% lower than the maximum LTV of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.40% is 10.10% below the maximum allowable DTI of 43%.

Complete

0919797752

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

B

B

B

C

B

CA

CA

VC

VB

RB

RB

Property Valuations

Property

Active

C

B

VC

VB

PRVAPROP2674

Property Issues Indicated 2

No

Agricultural usage of the collateral property exceeds 20%. Lender approved exception in file for agricultural use, exception remains.

5.31.2017 lender response LVAM exception(s) approved under the PCO delegated authority

5.31.2017 - Comps and 3rd party CDA support value and zoning is typical to the area and is deemed non-material. Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 817. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 49.10% is 30.90% lower than the maximum LTV of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.40% is 10.10% below the maximum allowable DTI of 43%.

Complete

0122358720

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxxxxxx

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in the subject 24 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 14.82% DTI is below the maximum allowed DTI of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 32.54 is below the GL maximum of 80%

Client Complete

0736692798

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

B

A

D

A

CA

CA

VD

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations missing.

5.10.17: Lender provided counseling list.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 800 exceeded the guideline requirement of 680 by 120 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 13.50 years in his profession.

Client Complete

0736692798

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

B

A

D

A

CA

CA

VD

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers is missing.

5.10.17: Lender provided SPL.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 800 exceeded the guideline requirement of 680 by 120 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 13.50 years in his profession.

Client Complete

0736692798

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

B

A

D

A

CA

CA

VD

VA

RB

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing third party desk review to support value

5.2.17 Desk Review received valued at $xxxxxx dated 5/2/17, value supported.

5.2.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 800 exceeded the guideline requirement of 680 by 120 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 13.50 years in his profession.

Client Complete

0656019685

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.5.22.17 Client provided a rebuttal waiving issues related to exact name matches on NMLS

5.18.17 Non-material exception.5.26.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 10.15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 credit score; minimum required is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 126.76 months PITI reserves. Guidelines require 12 months for the subject property, 6 months for Second Home.

Complete

0656019685

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD xx/xx/xxxx Calculating Cash to Close section (Alt Version) is $7792.30 which does not equate to the amount based on the Reg's formula of 850000 - 446295.39 - 396562.19 = 7142.42

(No Data)

05/18/2017: After further review, difference of $649.88 is POC. Exception cancelled.

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 10.15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 credit score; minimum required is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 126.76 months PITI reserves. Guidelines require 12 months for the subject property, 6 months for Second Home.

Complete

0656019685

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Credit

Terms/Guidelines

Active

B

B

CB

CB

CRDTER109

Cash Out Amount Exceeds Guidelines

No

$95,057.61 cash out shortfall. The cash out of $495,057.61 is $95,057.61 > maximum cash back to Borrowers' of $400,000.00 based on LTV of 65.00% (maximum cash back allowed is $400,000.00- Also, Lender is not including the XXX HELOC). An approved exception was granted dated 3/20/2017 based on Borrowers' fixing up other property. Exception approval noted however exception remains.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 10.15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 credit score; minimum required is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 126.76 months PITI reserves. Guidelines require 12 months for the subject property, 6 months for Second Home.

Complete

0656019685

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxxxxxx

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 10.15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 credit score; minimum required is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 126.76 months PITI reserves. Guidelines require 12 months for the subject property, 6 months for Second Home.

Complete

0656019685

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/2017- Severe Winter Storms, Flooding, and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.25.17 Post Disaster Inspection confirm no damages to property.

5.25.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 10.15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 credit score; minimum required is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 126.76 months PITI reserves. Guidelines require 12 months for the subject property, 6 months for Second Home.

Complete

0093027658

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC225

Missing Rider

No

Missing the Leasehold Rider.

5.21.17 Lender provide leasehold rider

5.21.17 Exception satisfied

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 805 exceeded the guideline requirement of 680 by 125 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 35 years in his profession.

Client Complete

0093027658

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations missing.

5/16/17 - HOC List provided Dated 2/7

5/16/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 805 exceeded the guideline requirement of 680 by 125 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 35 years in his profession.

Client Complete

0093027658

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers missing.

5/16/17 - SPL provided Dated 2/7

5/16/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 805 exceeded the guideline requirement of 680 by 125 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 35 years in his profession.

Client Complete

0093027658

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing xxxxx.

5.3.17 Desk Review received value at $xxxxxx dated 5.3.17, value supported.

5.3.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 805 exceeded the guideline requirement of 680 by 125 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 35 years in his profession.

Client Complete

0686066259

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 27.27%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 81.44 months PITIA reserves. 24 months required.

Client Complete

0837284068

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

B

B

B

A

A

A

B

B

B

B

CB

CA

VA

VA

RB

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

N/A

A

N/A

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Provide page 3 of credit report.

5.21.17 Lender provided credit report

5.21.17 exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer 11.20 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 795 which exceeds minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 25.63% maximum allowed DTI of 43.00%.

Client Complete

0837284068

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

B

B

B

A

A

A

B

B

B

B

CB

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer 11.20 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 795 which exceeds minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 25.63% maximum allowed DTI of 43.00%.

Client Complete

0837284068

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

B

B

B

A

A

A

B

B

B

B

CB

CA

VA

VA

RB

RB

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH2544

Missing credit report used in the AUS analysis

No

Missing page 3 of credit report in file dated 1.30.17.

5.21.17 Lender provided full credit report

5.21.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer 11.20 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 795 which exceeds minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 25.63% maximum allowed DTI of 43.00%.

Client Complete

0691772828

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

CA

CA

VD

VA

RC

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

RC

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

10 % tolerance fee increased between LE xx/xx/xxxx and CD xx/xx/xxxx by $35. The Recording-Mortgage fee increased without valid documentation.

5.24.17 Lender agrees and will issue refund.6.1.17 - Lender provided the following rebuttal:UPDATE: Attached are the documents that were sent to borrower (new Closing Disclosure, letter, refund check).Prior response: Agree with investor. The Credit Report fee increased by $9 on the initial CD issued xx/xx/xxxx (006). The increase was valid; however, the date of knowledge was xx/xx/xxxx. The CD was not issued within 3 days of knowledge and there was no Over Tolerance Refund issued for this fee. The Discount Points in the amount of $662.50 were added to the CD issued xx/xx/xxxx (011) with a valid Change Circumstance of interest rate decrease. The change was also disclosed within timing (Date of Knowledge xx/xx/xxxx). The borrower would not be due a refund for the addition of Discount Points; however, would be due a total of $9 for the insufficient timing of re-disclosure for the increase to the 0% tolerance Credit Report fee. Refund to the borrower of $9 and new CD reflecting the $9 over tolerance credit is required to cure the defect. Remediation request sent to CDCR 5/24/17.6.1.17 - Clayton received the PCCD dated xx/xx/xxxx, copy of check and letter to the borrower.

6.1.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have resided in the primary residence for 21+ years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on current job 10+ years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.64% below guideline requirements of 80% by 16.36 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Per CD, funds required to close in the amount of $308,012.20. Asset statements in file support assets in the amount of $844,491.60 with reserves of $308,012.20. Per guidelines, 18 months reserves is required. Verified Post Closing Liquidity is $93,490.84 exceeding the 18 months reserves req'd of $61,982.46 ($3,443.47x18) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 772.

Client Complete

0691772828

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

CA

CA

VD

VA

RC

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxxxxxx

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have resided in the primary residence for 21+ years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on current job 10+ years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.64% below guideline requirements of 80% by 16.36 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Per CD, funds required to close in the amount of $308,012.20. Asset statements in file support assets in the amount of $844,491.60 with reserves of $308,012.20. Per guidelines, 18 months reserves is required. Verified Post Closing Liquidity is $93,490.84 exceeding the 18 months reserves req'd of $61,982.46 ($3,443.47x18) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 772.

Client Complete

0479287110

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Compliance

Compliance Manual

Active

B

B

RB

RB

CMPMAN2992

1003 - Initial Application is not Accurate

No

Missing initial 1003 signed and dated by borrowers at time of application.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on current job 15+ years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 16.18% is below guideline requirement of 43% by 26.82 points CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of the primary wage earner (775) exceed guideline requirement of 720 by 55 points

Complete

0479287110

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD xx/xx/xxxx Calculating Cash to Close section (Alt Version) is 7791.15 which does not equate to the amount based on the Reg's formula of $730000 - 719659.06 - 2584.17 = 7756.77

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on current job 15+ years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 16.18% is below guideline requirement of 43% by 26.82 points CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of the primary wage earner (775) exceed guideline requirement of 720 by 55 points

Complete

0479287110

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing 3rd party valuation supporting the original appraised value of $xxxxxxx

5.22.17 Desk Review received valued at $xxxxxx+AH701 dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on current job 15+ years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 16.18% is below guideline requirement of 43% by 26.82 points CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of the primary wage earner (775) exceed guideline requirement of 720 by 55 points

Complete

0034624014

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Both borrowers have additional monthly income that was not used in the analysis. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit history with very little outstanding debt outside primary and second home mortgages. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have post closing reserves of $130,909.80 or 35.40 months PITI; per guidelines, 18 months PITI required.

Client Complete

0725409766

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 24.48%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 796; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been a xxx at xxx for over 14 years.

Complete

0615242038

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1750: High potential for increased earnings - Clayton Comments: B2 started new emp and has not earned her bonus yet. CFCFS2860: Good credit history - Clayton Comments: Borrowers have good credit, managing disputes appropriately and satisfied judgment outside paid as agreed tradelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 784 credit score; minimum required is 680.

Client Complete

0650274431

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

CA

CA

VD

VA

RC

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

RC

RB

CMPTRID3750

TRID - Error #10 discovered on Closing Disclosure

No

CD sequence xxx dated xxx is missing from file and lender's spreadsheet indicates it was delivered to borrower.

5.30.17-Lender provided CD xxx

5.25.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have resided in current residence 7+ years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of 805 exceed guidelines of 680 by 125 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit history with no derogatory trade lines, no public records, and all tradelines paid as agreed. Borrower has a previous housing history that was 0*30 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Per CD, funds required in the amount of $93,831.14. Asset statements in the file support assets in the amount of $225,987.97 with reserves of $131,447.01. PCL is $53,642.84, exceeding the 12 months PITI of $42,241.68.

Complete

0650274431

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

CA

CA

VD

VA

RC

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxx.

5.22.17 Desk Review received valued at $xxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have resided in current residence 7+ years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of 805 exceed guidelines of 680 by 125 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit history with no derogatory trade lines, no public records, and all tradelines paid as agreed. Borrower has a previous housing history that was 0*30 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Per CD, funds required in the amount of $93,831.14. Asset statements in the file support assets in the amount of $225,987.97 with reserves of $131,447.01. PCL is $53,642.84, exceeding the 12 months PITI of $42,241.68.

Complete

0650841653

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

CB

CB

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC191

Missing Mortgage

No

Missing Mortgage for current transaction. File contained the recorded Deed of Trust dated xxx

5.24.17 Lender provided mortgage & riders.

5.24.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for 13.22 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 17.78 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $504,897.64 or 147.59 months PITI reserves. Guidelines require 12 months.

Complete

0650841653

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

CB

CB

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for 13.22 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 17.78 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $504,897.64 or 147.59 months PITI reserves. Guidelines require 12 months.

Complete

0650841653

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

CB

CB

VA

VA

RD

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC3204

Income Documentation Missing

No

Provide the Initial 4506-T form as only the Final 4506-T form was located.

5.24.17 - Lender rebuttal Per the attached final XXX feedback cert a 4506T was not required and this is a relocation loan and an initial 4506T is not required to be signed.

5.24.17 Per guidelines initial and Final 4506T required Exception remains.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for 13.22 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 17.78 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $504,897.64 or 147.59 months PITI reserves. Guidelines require 12 months.

Complete

0562338142

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer’s name on the Note, Mortgage, and the 1003 is XXX. The NMLS database verified the loan officer’s name as XXX and XXX. The Reg-Z requirement is for the Originator’s name to match the NMLS website exactly.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV below guideline of 70% CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Borrower paying off HELOC 2nd reducing monthly debt and revolving credit exposure.

Complete

0190582086

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for 11.08 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 30.17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 credit score; minimum required is 720.

Client Complete

0579247270

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Documentation

Active

B

B

RB

RB

CMPDOC2500

Some funds escrowed based on written agreement for completion of improvements to property

No

There is an escrow holdback for 68,010 pending work completion and approval. An executed Escrow Holdback Agreement is in the file.

05/18/2017 - Lender responded that purchase contract was amended lowering sales price and adding provisions for a holdback for repair of deck. Lender stated that repairs will be paid by seller and a fully executed holdback agreement in file meets credit policy requirements (no health/safety issues, 120% of highest bid held, up to 180 days for completion). No issues noted.Exception remains. Guidelines provided do not address escrow hold back for repairs.5.23.17 After review of bids, the contractor mentions replacing collapsed deck. This suggest a safety issue for the property. Exception remains.

5.23.17 Exception remains

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 806 exceeded the guideline requirement of 720 by 114 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower self employed with same business for 25.45 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in their primary residence for 15.16 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 102.69 months PITI reserves. 24 months required.

Complete

0101856594

XXXXXX

MI

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

State Consumer Protection

Active

B

B

RB

RB

CMPSTCP4383

MI Home Loan - No Evidence that Michigan Home Loan Toolkit was delivered to the borrower

No

The XXX Home Loan Toolkit not found in file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 725 exceeded the guideline requirement of 680 by 45 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 24.29/36.42, max allowed is 36/43

Complete

0908843858

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Legal Documents

Active

B

B

CB

CB

CRDLGL4033

Missing Legal Document(s)

No

Borrower 2 is required to pay monthly child support payments of $120.00; payment history was provided, however, file is missing a copy of all pages of the recorded court order/divorce decree to evaluate any additional borrower liability.

7.10.17 Client provided pay history from the child support office showing amount of child support. However, guidelines required that all child support payments must be documented with a copy of the court order, such as the divorce decree.

7.10.17 Exception remains. After further review, exception is non-material. Borrowers DTI is low at 24.96% and have 71 months PITI reserves. Borrower 1 on job 9 years.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 24.96% is 18.04 points below the maximum allowable DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: HUD-1 required funds to close of $115,561.11 Statements in file supported effective assets of $310,173.13 with reserves of $194,612.88; 12 months reserves required with a loan amount <$xxx ($2,738.44 x 12 = $32,861.28). CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has worked for the same employer for over 9 years,

Complete

0798541927

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

B

CA

CA

VD

VB

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support the appraised value of $xxxxxx.

5.22.17 Desk Review received indeterminate value dated 5.22.17, value not supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 15.96 years with same employer. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 11.20 years with same employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.08% DTI is below the maximum allowed DTI of 43%.

Client Complete

0798541927

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

B

CA

CA

VD

VB

RA

RA

Property Valuations

Value

Satisfied

N/A

A

N/A

VB

PRVAVALU153

Value Not Supported

No

5.22.17 Field Review Ordered.

6.2.17 Field Review received valued at $xxxxxx dated 6.2.17, value supported.

6.2.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 15.96 years with same employer. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 11.20 years with same employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.08% DTI is below the maximum allowed DTI of 43%.

Client Complete

0120859899

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

B

A

D

B

D

B

CC

CA

VB

VA

RD

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing documentation to complete the ATR/QM status determination review: Provide the XXX information (appears to be land) monthly tax payment as not accounted for at origination.

5.23.17 - Lender provided the purchase agreement for XXX, however the provide the XXX information, Lender provided initial 1003 and updated 1003 showing borrower originally was to purchase the XXX property and then switched to XXX.

5.23.17 - Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current job for the past 6 years CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 27.85%, max allowed is 43.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 791 exceeded the guideline requirement of 680.

Client Complete

0120859899

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

B

A

D

B

D

B

CC

CA

VB

VA

RD

RB

Compliance

Compliance Manual

Satisfied

C

A

RC

RA

CMPMAN2990

1003 - Final Application is not Accurate

No

Provide updated Final 1003 to include the XXX information (appears to be land) monthly tax payment as not accounted for at origination.

5.23.17 - Lender provided the purchase agreement for XXX, however the provide the XXX information. The client provided initial 1003 showing original property was the XXX property and then the buyer switched to XXX property

5.23.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current job for the past 6 years CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 27.85%, max allowed is 43.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 791 exceeded the guideline requirement of 680.

Client Complete

0120859899

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

B

A

D

B

D

B

CC

CA

VB

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% Tolerance Violation for raising of Transfer fee with no COC or Explanation of increase. Transfer fee increased from $127.00 on LE to Initial CD to $1,360.00. However Lender gave Borrower a $1,233.10 Lender Credit to cure the failure.

(No Data)

Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current job for the past 6 years CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 27.85%, max allowed is 43.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 791 exceeded the guideline requirement of 680.

Client Complete

0120859899

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

B

A

D

B

D

B

CC

CA

VB

VA

RD

RB

Credit

Credit/Mtg History

Satisfied

C

A

CC

CA

CRDCRMH1805

Debts/obligations not disclosed/accounted for at origination

No

Provide the XXX information (appears to be land) monthly tax payment as not accounted for at origination.

5.23.17 - Lender provided the purchase agreement for XXX, however the provide the XXX information. Client provided initial 1003 showing the original property was XXX, however, the property was changed to the XXX.

5.23.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current job for the past 6 years CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 27.85%, max allowed is 43.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 791 exceeded the guideline requirement of 680.

Client Complete

0120859899

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

B

A

D

B

D

B

CC

CA

VB

VA

RD

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/17- Severe Winter Storms, Flooding, and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.9.17 Post Disaster Inspection provided reflecting no damage.

5.9.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current job for the past 6 years CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 27.85%, max allowed is 43.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 791 exceeded the guideline requirement of 680.

Client Complete

0438999994

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 60%; max allowed LTV per guidelines is 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 29.88%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 807; minimum required credit score per guidelines is 720.

Complete

0927271363

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

$125 Zero Tolerance due to increase in appraisal fee from loan estimate to final CD without a valid change of circumstance documented in the file. Final CD provided on cure.

(No Data)

04/25/2017 - Exception satisfied as non-material since cure provided on final CD.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 802 exceeded the guideline requirement of 720 by 82 points.

Client Complete

0993922484

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 820 is 140 points higher than the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 56.50% is 23.50% lower than the maximum LTV of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.80% is 13.2% less than the maximum allowable DTI of 43%.

Complete

0989914124

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS has middle name.

7.10.17 Client acknowledged waiver for NLMS name not matching exactly

7.10.17 Final Grade B. After further review, exception is non-material as only variation is middle name.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: New LTV is 61.39%, below max LTV for cash out refinance of 70%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with the same employer for 11.89 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived in the subject for 6.92 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 741 is 21 points above minimum program requirement of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.68% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 26.50 months PITI reserves. 12 months required.

Complete

0989914124

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Waived

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xxx The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) is $5892.52 which does not equate to the amount based on the Reg's formula. xxxxxx - xxxxxx.xx - xxxxx.xx = 5362.58

7.18.17 Client response "Acknowledge differences in technical interpretations and waive the finding "

7.18.17 Final Grade B

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: New LTV is 61.39%, below max LTV for cash out refinance of 70%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with the same employer for 11.89 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived in the subject for 6.92 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 741 is 21 points above minimum program requirement of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.68% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 26.50 months PITI reserves. 12 months required.

Complete

0989914124

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Assets

Active

B

B

CB

CB

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

File is missing additional months bank statement from xxx account # xxx for January or March. All account statements must be consecutive. These funds are needed to meet post-closing liquidity requirement.

7.11.17 Client provided February statement for xxx xxx. However, this statement was in original file and 2 months statements are required. Exception remains for January or March 2017 statement

7.11.17 Exception remains. Exception is non-material as borrower has sufficient funds in February statement, low LTV and 11.89 years job time, 6.92 years in residence and good credit score of 741.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: New LTV is 61.39%, below max LTV for cash out refinance of 70%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with the same employer for 11.89 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived in the subject for 6.92 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 741 is 21 points above minimum program requirement of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.68% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 26.50 months PITI reserves. 12 months required.

Complete

0469244388

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: xxx,Costs Financed - Final Value is 11992.43 and does not match calculated amount showing as $11,297.43, a difference of $695.00. The difference is the POC amount borrower paid in advance for Appraisal.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified cash reserves of $254,047.42 or 50.25 months PITI.

Complete

0469244388

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH104

Credit score below guidelines

No

Borrower representative score of 690 below GL requirement of 700 for 2 units. Lender requested approval for exception to score, exception approved, Clayton findings due to overall loan circumstance, approval has no material effect on loan.

(No Data)

Upon further review, minor credit score variation deemed non-material. Due to 50 months reserves and 27% LTV.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified cash reserves of $254,047.42 or 50.25 months PITI.

Complete

0469244388

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2488

Verbal verification of employment missing

No

VVOE's for B1 and B2 dated within 30 days of the note date per guidelines not provided.

(No Data)

Upon furhter review Borrower has been on current job for 3 years verified with 24 months of personal tax returns, and co-borrower has 10 years xxx verified with 24 months of business tax returns and most recent tax transcripts. Original LTV of 27.36%, and 50.25 months of verified PITI reserves verified. Non-material exception level B.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified cash reserves of $254,047.42 or 50.25 months PITI.

Complete

0469244388

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3258

Missing Profit and Loss statement for one or more Self Employed borrowers

No

2016 YTD P&L missing for B1 xxx.

5.30.17 - Client provided 1099s and LOX.

5.30.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified cash reserves of $254,047.42 or 50.25 months PITI.

Complete

0469244388

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3260

Balance Sheet missing for one or more Self Employed borrowers

No

2016 YTD Balance Sheet missing for B1 xxx.

5.30.17 - Client provided 1099s and LOX.

5.30.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified cash reserves of $254,047.42 or 50.25 months PITI.

Complete

0933327597

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Per loan documents, individual originator Includes first name, middle initial and last name.NMLS Consumer Access Website shows First/last name or first name/ middle name and last name with no other names disclosed.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 56 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 804 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 16 years in current profession.

Complete

0933327597

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4276

TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain the same values for Downpayment/Funds From Borrower but Did This Change? = Yes

No

The LE and CD columns of the CD xx.xx.xxxx Calculating Cash to Close table contain the same values for Down payment/Funds From Borrower but state a change was made.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 56 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 804 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 16 years in current profession.

Complete

0952469643

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file. Please provide

5.10.17: Lender provided counseling list.

5.10.17: Exception sastisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 credit score; minimum required is 680. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments reported in the last 36 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $147,932.88 or 85.80 months PITI reserves; guidelines require total reserves of $49,592.16

Client Complete

0952469643

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided. Please provide

5.10.17: Lender provided SPL.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 credit score; minimum required is 680. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments reported in the last 36 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $147,932.88 or 85.80 months PITI reserves; guidelines require total reserves of $49,592.16

Client Complete

0952469643

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing xxxxx

5.3.17 Desk Review received value at $xxxxxx dated 5.3.17, value supported.

5.3.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 credit score; minimum required is 680. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments reported in the last 36 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $147,932.88 or 85.80 months PITI reserves; guidelines require total reserves of $49,592.16

Client Complete

0784047464

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 77 months post closing cash reserves available, 24 month required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score 774 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower 2 has 37 years in current profession.

Client Complete

0699908676

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Guides require 12 months reserves. Borrower has 87 months to include 12 months for subject and 6 months for 1 REO. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Guides require a minimum score of 680. Borrower's representative score is 759, which exceeds guides

Client Complete

0154401508

XXXXXX

KS

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file.

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 799 exceeded the guideline requirement of 680 by 119 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0154401508

XXXXXX

KS

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Service Providers missing from loan file.

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 799 exceeded the guideline requirement of 680 by 119 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0154401508

XXXXXX

KS

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing Desk Review supporting $xxxxxxx

5.3.17 Desk Review received value at $xxxxxx dated 5.3.17, value supported.

5.3.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 799 exceeded the guideline requirement of 680 by 119 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0248538953

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Insurance

Satisfied

C

A

CC

CA

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Subject hazard insurance coverage of $300,000 is insufficient to cover the loan balance of $xxxxx or appraisal total estimated cost new of $xxxxxx. Provide insurance agents replacement cost estimate to support $300,000 in coverage.

5.25.17 - WF Hazard insurance matrix indicates that on ACORD binders they should reflect endorsement of SPEC to indicate replacement cost coverage which the policy in file has the BASIC box checked. Provide evidence of replacement cost coverage5.30.17 - Client rebuttal - policy is written on a replacement cost basis. The HO-B is a standardized Texas policy that provides replacement cost coverage

5.25.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 800 is 120 points above Client guideline minimum of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.86% is 6.14 points below Client guideline maximum of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves are 36.77 months PITI; minimum required is 12 months.

Client Complete

0248538953

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2864

Copy of Mortgage/Deed in file is incomplete

No

Missing the legal description exhibit to the mortgage. Unable to determine if the mortgage legal matches the title commitment legal description.

5.9.17 - Lender provide mortgage with exhibit A, the legal description.

5.9.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 800 is 120 points above Client guideline minimum of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.86% is 6.14 points below Client guideline maximum of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves are 36.77 months PITI; minimum required is 12 months.

Client Complete

0796193717

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Assets

Satisfied

D

A

CD

CA

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Missing earnest money deposit documentation required per guidelines. Final CD shows $28,450 earnest money deposit. Guidelines require a copy of the canceled or certified check and account verification; or a bank / brokerage statement showing that the earnest money deposit check has cleared the account; or certification from the earnest money deposit holder acknowledging receipt of the funds with documentation evidencing acceptable source of funds.

05.09.17 - Lender provided a copy of UW notes which is not a valid documentation from the title company / canceled check.05.24.17 - Lender provided settlement statement from the sale of departing home as validation of liquidity.

5.24.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Departing residence owned 9.90 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower employed in same profession 17.50 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 is 98 points above Client guideline minimum required of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is 0x30 for 47 months; requirement is 0x30 for 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.43% is 8.57 points below Client guideline maximum of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves are 98.02 months PITI; minimum required is 12 months.

Client Complete

0360601850

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

1. Missing current YTD pay stub or WVOE for borrower to support base income and bonus used by lender.2. Missing 2016 W2. 3. Missing previous 12mo. rental history. 4. Missing 2 mo. asset statements to support cash to close and 12 mo. PITI reserves.

5.10.17: Lender provided all necessary documentation.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 7 years

Client Complete

0360601850

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Copy of Deed of Trust provided is incomplete and unsigned.

5.9.17 - Lender provided complete signed mortgage.

5.9.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 7 years

Client Complete

0360601850

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Copy of Deed of Trust provided is not signed by borrowers.

5.9.17 - Lender provided signed deed of trust.

5.9.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 7 years

Client Complete

0360601850

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP157

Application Not Signed by Primary Borrower

No

Missing fully executed 1003; missing borrower and LO signatures.

05.10.17 Lender provided a copy of the 1003 signed by the borrower.

05.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 7 years

Client Complete

0360601850

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST206

Asset Amounts Are Unsupported by Documentation in File

No

Guidelines require 2 months bank statements or VOD; XXX VOD dated 1/31/2017 has no ownership information with no initial bank statement provided to support it's ownership.; XXX VOD has no ownership information; XXX VOD only has current amounts in account and is missing the transaction history. 2. UW summary states GIFT Funds of $80K provided to borrower - ALL gift funds required documentation is missing.

5.10.17: Lender provided sufficient bank statement documentation

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 7 years

Client Complete

0360601850

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Verified reserves of 12 months PITI not verified per guidelines.

5.10.17: Lender provided additional asset documentation.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 7 years

Client Complete

0360601850

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Missing credit report dated within 120 days of Note date.

5.10.17: Lender provided updated credit report.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 7 years

Client Complete

0360601850

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Missing Verification of Rent for previous 12 months; Per Guidelines, 12 months VOR is required to be verified using cancelled checks, bank statements, paid receipts, VOR or a letter from the management company.

5.10.17: Lender provided verification of rent.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 7 years

Client Complete

0360601850

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH189

Missing credit report

No

Missing credit report used for analysis.

5.10.17: Lender provided updated credit report.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 7 years

Client Complete

0360601850

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC150

Income docs do not meet guidelines

No

1. Missing executed 4506T at application and at closing. 2. Missing current YTD pay stub or WVOE for borrower to support base income and bonus used by lender. 3. Missing 2016 W2.

5.10.17: Lender provided YTD Paystub and W2. Still missing executed 4506T.5.16.17 - Lender provided the executed 4506T

5/16/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 7 years

Client Complete

0360601850

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL4033

Missing Legal Document(s)

No

Missing full executed Purchase Agreement with all pages and addendum's.

5.9.17 - Lender provided complete executed purchase agreement.

5.9.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 7 years

Client Complete

0502602092

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CoBorrower has worked at current job for over 9 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has months of PITIA reserves, Only 24 months required. CFCFS2860: Good credit history - Clayton Comments: Borrower has over 84 months of credit reviewed with no lates.

Client Complete

0374421846

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

CA

CA

VA

VA

RC

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

5/15/17 - HOC List provided Dated 2/14

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for over 13 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current line of work as XXX for XXX for over 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 803.

Client Complete

0374421846

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

CA

CA

VA

VA

RC

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

5/15/17 - SPL provided Dated 2/14

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for over 13 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current line of work as XXX for XXX for over 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 803.

Client Complete

0374421846

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

CA

CA

VA

VA

RC

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

RC

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

With no Service Provider List in File Fee increases in Section B Default to 0% Tolerance. Cannot verify if Fees Exceed 10% Tolerance without the SPL.Tolerance Screen shows 0% Tolerance Violation of $320

5/15/17 - SPL Provided, updated Data Entry. Verified no Tolerance Violation found.

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for over 13 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current line of work as XXX for XXX for over 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 803.

Client Complete

0869481114

XXXXXX

MI

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

State Consumer Protection

Active

B

B

RB

RB

CMPSTCP4383

MI Home Loan - No Evidence that Michigan Home Loan Toolkit was delivered to the borrower

No

No Evidence that XXX Home Loan Toolkit was delivered to the borrower

05.19.2017 - Lender responded that Loan is a refinance, so the Home Loan Toolkit is not required. (Only required for a purchase loan.) Exception remains as this exception is specific to XXX and Toolkit required.

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 25 years 1 month at the current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 20 years 1 month at their current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 738 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.19% is below Program Guidelines of 43.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 73.38% is below Program Guidelines of 80.00% CFCFS1746: Significant housing expense reduction - Clayton Comments: Borrower has reduced the monthly housing expense by $626.47 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 12 years 1 month at the current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 25 years in their profession.Co-Borrower has 25 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 41.87 months PITI reserves; guidelines require 12 months.

Complete

0683114526

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' median credit score of 783 exceed guidelines requirements of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 25.78% is < maximum DTI of 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has worked at current job for 9.1 years.

Client Complete

0683114526

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/17- Severe Winter Storms, Flooding, and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.22.17 Post Disaster Inspection confirm no damages to property.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' median credit score of 783 exceed guidelines requirements of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 25.78% is < maximum DTI of 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has worked at current job for 9.1 years.

Client Complete

0193755715

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been self employed as the XXX for 8 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has occupied subject property for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.86%, max required on a R/T refi per G/L is 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 789, minimum required is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 45.37 months verified PITI, only 12 months required ($3234.83 X 12=$38,817.96) CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional K-1 and 1120s income of over 47k/month not used to qualify

Client Complete

0598685650

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Assets

Active

B

B

CB

CB

CRDAST115

Cash reserves do not meet guidelines

No

Post-closing liquidity (PCL) requirements not met. Guidelines allow retirement assets to be used to meet 50% of the reserve requirement. Subject loan requires reserves of $39,833.40 with 50%, or $19,916.70 in this case, to be from a liquid source. Borrower has $14,149.68 in reserves from a liquid source after closing funds requirement. File is missing verification of additional liquid assets to meet reserve requirement. Exception approval in file.

7.11.17 Client response- Agree, business followed exception protocols as documented.

7.11.17 Exception remains. After further review, exception is non-material. borrower has 156 months reserves, 33.8% DTI below 43% maximum, and excellent credit score of 786.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 69.44%; max allowed LTV per guidelines is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 33.80%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 786; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been the same employer for 18.81 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 156.07 months PITI reserves. 12 months required.

Complete

0786998716

XXXXXX

NH

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

B

B

D

B

CD

CA

VD

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

Closing costs of $35,927.41 minus paid before closing of $569.88 leaves closing costs financed of $35,357.53. The CD shows the closing costs paid at closing as $35,522.40.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 93 months post closing cash reserves available, 6 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 796. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 17 years in current profession

Complete

0786998716

XXXXXX

NH

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

B

B

D

B

CD

CA

VD

VA

RB

RB

Credit

Assets

Satisfied

D

A

CD

CA

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

2nd consecutive month for account IPI ending in xxx not provided.

5.30.17 - Client provided the Feb and March for account IPI ending in xxxxx.

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 93 months post closing cash reserves available, 6 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 796. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 17 years in current profession

Complete

0786998716

XXXXXX

NH

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

B

B

D

B

CD

CA

VD

VA

RB

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 93 months post closing cash reserves available, 6 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 796. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 17 years in current profession

Complete

0633279453

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for over 11 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CoBorrower has worked at current job for over 11 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico scores 790/776 exceed guidelines requirements of 720.

Client Complete

0633279453

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

5/15/17 - Lender provided SPL. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for over 11 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CoBorrower has worked at current job for over 11 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico scores 790/776 exceed guidelines requirements of 720.

Client Complete

0654583614

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

5/15/17 - HOC List provided Dated 1/27

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current line of work as XXX for over 11 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 742. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has reserves of $101,989.87 or 24.9 months of PITI reserves.

Client Complete

0654583614

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

5/15/17 - SPL provided Dated 1/27

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current line of work as XXX for over 11 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 742. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has reserves of $101,989.87 or 24.9 months of PITI reserves.

Client Complete

0007389455

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 801, minimum required per G/L is 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 102.84 months of verified post closing reserves, 18 months required for the subject property (12 months for the subject property & 6 months for departing residence being listed for sale) ($3,097.20 X 18 =$55,749.60) total reserves required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed as an XXX with XXX for over 7 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been the XXX for XXX for 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 26.77%, max is 43%.

Client Complete

0820462922

XXXXXX

MI

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 26.19%; allowed DTI per guidelines is 43%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Qualifying credit score is 796; minimum required credit score per guidelines is 680.

Client Complete

0785069162

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

CC

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

$398.12 cure on CD sufficient to cover increase in fees.

(No Data)

Exception satisfied Non-Material as Final CD xxx correct the issue.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 30.96%, maximum allowed is 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 796 which meets minimum credit score of 680. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xxx; xxx for 5 years.

Complete

0785069162

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

CC

CB

VA

VA

RB

RB

Credit

Assets

Active

C

B

CC

CB

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

6 months or 50% PCL requirement to liquidate retirement funds shortfall. Currently over 50% of the reserves are coming from borrowers retirement account. Lender approved exception dated XXXXX of which is funding date due to closing documents already sent as liquid reserves are < 1 month. Exception approval noted however exception remains.

5.26.17 Lender states "LVAM approved exception - Reserve requirements / Post Close Liquidity (PCL) requirements. This exception was approved under the PCO delegated authority."

5.26.17 Upon further review by Sr. UW, $199k and 51 months in reserves deems exception non-material for liquidity. Non-material.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 30.96%, maximum allowed is 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 796 which meets minimum credit score of 680. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xxx; xxx for 5 years.

Complete

0692374956

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

B

A

D

A

D

A

CA

CA

VB

VA

RD

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Home Owner's Counseling list is not in file.

5.10.17 Lender provided List of homeowners counseling organizations.

5.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 808. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 53.72% is below the GL maximum of 75%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.25 years.

Client Complete

0692374956

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

B

A

D

A

D

A

CA

CA

VB

VA

RD

RA

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

ROR form is not in the file

5.16.17- Lender provided ROR form

5.16.17- condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 808. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 53.72% is below the GL maximum of 75%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.25 years.

Client Complete

0692374956

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

B

A

D

A

D

A

CA

CA

VB

VA

RD

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Service provider list is not in file.

5.10.17 Lender provided WLP.

5.10.17- Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 808. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 53.72% is below the GL maximum of 75%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.25 years.

Client Complete

0692374956

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

B

A

D

A

D

A

CA

CA

VB

VA

RD

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/17- Severe Winter storms, Flooding, and Mudslides- . Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.10.17 Post Disaster Inspection confirm no damages to property.

5.10.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 808. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 53.72% is below the GL maximum of 75%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.25 years.

Client Complete

0364783811

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Provide the List of Homeowners counseling organization

5.15.17 HOC provided

5.15.17- Exception Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 45.10% is below the GL maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 785. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrowers have over 53 months of mortgage credit history with no lates.

Client Complete

0364783811

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Missing the Service Providers List.

5.15.17- SPL provided

5.15.17- Exception Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 45.10% is below the GL maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 785. CFCFS1739: Postive mortgage payment history - Clayton Comments: Borrowers have over 53 months of mortgage credit history with no lates.

Client Complete

0161867778

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.54% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $643,698 or 84.48 months reserves. Guidelines require 12 months.

Client Complete

0435440048

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

A zero tolerance fee is required in the amount of $44.82 due to increase in fees being added without any COC in file disclosing the reasons for the increased in fees.

(No Data)

Exception satisfied as non-material as $44.82 cure on CD covers the increase in fees.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 6 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Closing assets of $66,560.41 or 18.00 months reserves. 12 months PITI reserves for the subject property ($3,696.92 x 12 = $44,363.04) total reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 715 is 35 points above minimum program requirement of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 27 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0519423392

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 15 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been in departure residence for 12.23 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of XXX is 24 points above minimum program requirement of 720.

Client Complete

0156684006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID4323

TRID - Ten percent tolerance fees increased beyond 10% at or prior to closing without a valid reason or not timely disclosed; refund was sent to the consumer within 60 days of consummation

No

$27.90 Ten Percent Tolerance due to increase in recording fees from Loan Estimate to Final CD without a valid change of circumstance.Cure provided on final CD.Downgraded and satisfied non-material.

(No Data)

4.26.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 credit score; minimum required is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 30.61 months reserves. 12 months required.

Complete

0156684006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Application

Satisfied

B

A

CB

CA

CRDAPP1813

Undisclosed non-arm's length transaction

No

Borrower received a gift of equity from a sibling. Pending receipt of guidelines verifying guideline requirements are met for non-arm's length transaction.

05.10.17 Lender provided a copy of the signed gift letter from borrower's sister.05.12.17 Lender provided a copy of the guideline: Gift of Equity guidelines state: Only an immediate family member may provide equity credit as a gift on a property being sold to another family member. Equity credit is defined as the difference between the lesser of appraised value or sales price and the sellers remaining loan amount. If the seller is gifting equity to the borrower, all documentation normally obtained to verify gift funds remains in effect. Gift of equity was from an immediate family member (sibling) and the required gift letter for the equity was sufficiently completed

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 credit score; minimum required is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 30.61 months reserves. 12 months required.

Complete

0156684006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

DTI

Active

B

B

CB

CB

CRDDTI105

Debt Ratio Exception 5% or Less

No

Front-end (housing) debt ratio of 40.46% exceeds max allowable of 36%.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 credit score; minimum required is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 30.61 months reserves. 12 months required.

Complete

0900651110

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 718 credit score; minimum required is 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for 11.99 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 24.08 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of $458,568.54 or 128.12 months reserves. 12 months required.

Client Complete

0457764944

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance fee increased for appraisal $330.00. However Lender gave Borrower a Lender Credit in the amount of $334.80 on Final CD dated and signed xx/xx/xxxx.

(No Data)

04/25/2017 - Exception satisfied as non-material since credit given on final CD.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 810; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been with same employer for 12.87 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.81% is below max allowed DTI of 43%.

Client Complete

0955632555

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 33.94%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 759; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been an XXX at XXX for 22 years.

Client Complete

0141645623

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 credit score; minimum required is 680. CFCFS2860: Good credit history - Clayton Comments: Credit report reflects no late payments in a 24 month period. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.35% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 12.08 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $150,456.17 or 30.40 months PITI reserves. Guidelines require 12 months.

Client Complete

0316042140

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

DTI

Active

B

B

CB

CB

CRDDTI105

Debt Ratio Exception 5% or Less

No

The Borrower's housing DTI ratio is over by 2.11%. Max allowed housing DTI ratio per guidelines is 36%.

(No Data)

Upon further review by Sr. UW the DTI exceeds guidelines by 2.11% but it mitigated by 16 months reserves and $8k in residual income to allow B grade. Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 16.81 months reserves verified, 12 months required.

Complete

0178078106

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 30.63%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 755; minimum required credit score per guidelines is 680.

Client Complete

0028020179

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been XXX for 25 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 790; minimum required credit score per guidelines is 680.

Client Complete

0963507581

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

B

A

A

A

C

A

CC

CA

VB

VA

RA

RA

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC150

Income docs do not meet guidelines

No

Missing executed 4506T at application as required by guidelines.

05.10.17 Lender provided a copy of the e-signed 4506T.

05.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV 55.60/64.88, max allowed per GL's 80/85. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 730, minimum allowed is 680.

Complete

0963507581

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

B

A

A

A

C

A

CC

CA

VB

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

FEMA disaster effective 2/23/2017, Severe Winter Storms, Flooding, and Mudslides, Dec #xxxxx. Appraisal dated xxx. Note date xxx, no subsequent inspection in file.

5.9.17 – Post Disaster Inspection provided reflecting no damage.

5.9.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV/CLTV 55.60/64.88, max allowed per GL's 80/85. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 730, minimum allowed is 680.

Complete

0844112514

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance fee violation of $1,179.55. Refunded on final CD.

(No Data)

05.23.2017: Exception satisfied as Non-Material as the Final CD corrected the issue.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 779 exceeds Program Guidelines of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.28% is below Program Guidelines of 80.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 13 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $105,989.80 or 24.25 months PITI reserves. 12 months PITI reserves required for the subject property.

Client Complete

0844112514

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing desk review to support value of xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 779 exceeds Program Guidelines of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.28% is below Program Guidelines of 80.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 13 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $105,989.80 or 24.25 months PITI reserves. 12 months PITI reserves required for the subject property.

Client Complete

0965962450

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

B

A

A

C

B

CA

CA

VC

VB

RA

RA

Property Valuations

Property

Active

C

B

VC

VB

PRVAPROP177

Property Issues Indicated

No

Subject property is a flip transaction. Sellers purchased property on xxx for $xxx with recently remodeling and updating the property and increased the sales price to $xxx. Exception approval in the file dated 03/01/2017 showing all of the home improvements on the subject property. Exception noted however exception remains.

(No Data)

Upon further Clayton review, Higher purchase price of $xxx is supported by extensive improvements completed on the subj prop after purchase last xxx. Improvements included but not limited to completely remodeled kitchen and baths. Non-material.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers median score of 761 is 81 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.26% is 9.74% below the maximum DTI of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70% is 10% less then the maximum LTV of 80%. CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in his profession for 15 years.

Complete

0912101231

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer’s name on the Note, Mortgage, and the 1003 is XXX. The NMLS database verified the loan officer’s name as XXX. The Reg-Z requirement is for the Originator’s name to match the NMLS website exactly.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 – Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 25 months PITI reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer for over XXXyrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for over XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 793 is 113 points above the minim um required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 21.41%; maximum per guidelines is 43%.

Client Complete

0912101231

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Missing List of homeowners counseling organizations.

5.15.17- HOC list provided

5.15.17-condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 25 months PITI reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer for over XXXyrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for over XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 793 is 113 points above the minim um required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 21.41%; maximum per guidelines is 43%.

Client Complete

0912101231

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Missing Written List of Providers.

5.15.17- SPL provided

5.15.17- condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 25 months PITI reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer for over XXXyrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for over XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 793 is 113 points above the minim um required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 21.41%; maximum per guidelines is 43%.

Client Complete

0782207148

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Compliance Manual

Active

D

B

RD

RB

CMPMAN2954

Missing Initial Escrow

No

Borrowers are First Time Homebuyers and Escrows were waived. Lender provided an exception approval form dated XXX waiving the escrows. Exception approval noted however exception remains.

(No Data)

Upon further review by Sr. UW, 775 credit score, 16 months reserves and 34% DTI mitigate risk and can be graded non-material. Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers median score of 775 is 95 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.12% is 8.88% less than the maximum DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $74,168.5050 or 16.12 months PITI reserves. 12 months PITI reserves required for the subject property ($4,600.05 x 12= $55,200.60) total reserves required.

Complete

0782207148

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers median score of 775 is 95 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.12% is 8.88% less than the maximum DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $74,168.5050 or 16.12 months PITI reserves. 12 months PITI reserves required for the subject property ($4,600.05 x 12= $55,200.60) total reserves required.

Complete

0782207148

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% tolerance fee increase between LE xxx and CD xxx by $29.88. A second Credit Report Fee was added without valid documentation. Lender included a credit of $30 for the increase.

(No Data)

4/24/2017: Exception satisfied since the tolerance error was corrected on the same CD.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers median score of 775 is 95 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.12% is 8.88% less than the maximum DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $74,168.5050 or 16.12 months PITI reserves. 12 months PITI reserves required for the subject property ($4,600.05 x 12= $55,200.60) total reserves required.

Complete

0560805918

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: borrowers have ample reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: Total LTV is 61.538

Client Complete

0745515331

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

B

CA

CA

VA

VB

RA

RA

Property Valuations

Appraisal

Satisfied

N/A

A

N/A

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

4.19.17 Desk Review received indeterminate value dated XXX, value not supported. Field Review recommended.

4.19.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 36.16%, maximum DTI allowed is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 731.

Client Complete

0745515331

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

B

CA

CA

VA

VB

RA

RA

Property Valuations

Value

Satisfied

N/A

A

N/A

VB

PRVAVALU153

Value Not Supported

No

05.02.2017 Desk review received with an indeterminate value. Field review recommended.

5.1.17 Field Review received valued at $XXX dated 5.1.17, value supported.

5.1.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 36.16%, maximum DTI allowed is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 731.

Client Complete

0534430664

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

C

A

D

A

CA

CA

VD

VA

RC

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

RC

RA

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Initial CD dated XXX and closing XXX which is within 3 day waiting period. However, CD is not signed or nothing in file showing when Borrower received CD. Earliest closing date per mailbox rule is XXX.

5.30.17 - Lender provided the E delivery confirmation of CD xx/xx/xxxx.

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at primary residence for 11.50 years. CFCFS2854: Significant time in profession - Clayton Comments: B2 has been in the same profession for 22.67 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 credit score; minimum required is 720.

Client Complete

0534430664

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

C

A

D

A

CA

CA

VD

VA

RC

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing 3rd party valuation supporting the original appraised value of $XXX

5.22.17 Desk Review received valued at $XXX dated XXX, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at primary residence for 11.50 years. CFCFS2854: Significant time in profession - Clayton Comments: B2 has been in the same profession for 22.67 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 credit score; minimum required is 720.

Client Complete

0999482846

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD XXX Calculating cash to close section Closing Costs Financed CD shows $5,282.61 and xxxn figure shows $4,772.73. The xxx calculation reflects the Closing Costs Paid Before Closing value subtracted from Total Closing Costs(J).

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is only 27.04%. Max per guidelines is 43%. DTI exceeds guideline requirements by 15.96%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 qualifying score. Min required per guidelines is 680 exceeding guideline requirements by 68 points. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 50 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Complete

0639132140

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Mortgage is missing signatures and the notary signature.

05.11.17 Lender provided a copy of the mortgage executed by borrowers and notary.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is only 22.37%. Max per guidelines is 43%. DTI exceeds guideline requirements by 20.63 percent. CFCFS2860: Good credit history - Clayton Comments: Credit report reflects no lates in a 24 month period.

Client Complete

0639132140

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Please provide executed mortgage.

05.11.17 Lender provided a copy of the executed mortgage.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is only 22.37%. Max per guidelines is 43%. DTI exceeds guideline requirements by 20.63 percent. CFCFS2860: Good credit history - Clayton Comments: Credit report reflects no lates in a 24 month period.

Client Complete

0639132140

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% tolerance fees increased between LE xx/xx/xxxx and CD xx/xx/xxxx by $401.88. The Appraisal fee and the Credit Report fee increased without valid documentation. Lender included a credit of $401.94 for the increase on the same CD.

(No Data)

04/26/2017: exception satisfied since the tolerance error was corrected on the same CD.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is only 22.37%. Max per guidelines is 43%. DTI exceeds guideline requirements by 20.63 percent. CFCFS2860: Good credit history - Clayton Comments: Credit report reflects no lates in a 24 month period.

Client Complete

0639132140

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP157

Application Not Signed by Primary Borrower

No

Final Application Not Signed by Primary Borrower

05.11.17 Lender provided a signed copy of the final 1003 signed by borrower and co-borrower.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is only 22.37%. Max per guidelines is 43%. DTI exceeds guideline requirements by 20.63 percent. CFCFS2860: Good credit history - Clayton Comments: Credit report reflects no lates in a 24 month period.

Client Complete

0639132140

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP227

Application Not Signed by Co-Borrower

No

Final Application Not Signed by Co-Borrower

05.11.17 Lender provided a signed copy of the final 1003 signed by borrower and co-borrower.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is only 22.37%. Max per guidelines is 43%. DTI exceeds guideline requirements by 20.63 percent. CFCFS2860: Good credit history - Clayton Comments: Credit report reflects no lates in a 24 month period.

Client Complete

0639132140

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2864

Copy of Mortgage/Deed in file is incomplete

No

Please provide executed mortgage.

05.11.17 Lender provided a copy of the executed mortgage.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is only 22.37%. Max per guidelines is 43%. DTI exceeds guideline requirements by 20.63 percent. CFCFS2860: Good credit history - Clayton Comments: Credit report reflects no lates in a 24 month period.

Client Complete

0814349617

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 16.53%. Max per guidelines is 43%. DTI exceeds guideline requirements by 26.47 percent. CFCFS2854: Significant time in profession - Clayton Comments: B2 has been in current position over 10 years

Client Complete

0594120880

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Assets

Active

B

B

CB

CB

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

3 months PCL shortfall. The Lender has an approved exception dated XXX as Borrowers' used own funds for renovations. Exception approval noted however exception remains.

5.29.17 lender rebuttal LVAM approved exception - Reserve requirements / Post Close Liquidity (PCL) requirement. This exception approved under the PCO delegated authority.

5.29.17 After review approval states that documentation of customers using their own funds for home improvements is required. PCL is only 9 months and 12 months is required. Exception remains.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for over 9 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $150,071.54 or 51.04 months PITI reserves. Guidelines require 12 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with current employer for 10.20 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 18.67 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 26.56%, maximum per guidelines is 40%.

Complete

0921791902

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

CC

CB

VA

VA

RD

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing documentation to complete the ATR/QM status determination review: Provide the fully executed and dated 2014 tax return as only the 2015 tax returns were signed.

5.20.17 Lender provided signed/ stamped certified 2014 1040 tax returns.

5.20.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is only 30.99%. Max per guidelines is 43%. CFCFS2860: Good credit history - Clayton Comments: Credit report reflects no lates in a 24 month period. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 credit score exceeds minimum required of 680.

Complete

0921791902

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

CC

CB

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is only 30.99%. Max per guidelines is 43%. CFCFS2860: Good credit history - Clayton Comments: Credit report reflects no lates in a 24 month period. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 credit score exceeds minimum required of 680.

Complete

0921791902

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

CC

CB

VA

VA

RD

RB

Credit

Application

Active

C

B

CC

CB

CRDAPP1813

Undisclosed non-arm's length transaction

No

The Broker on the deal who also is the Giftor is the Borrower's Parents in Law of which is considered a Non-Arm's Length transaction.

(No Data)

After further review by Senior Underwriter, non-material as guidelines allow at interest transactions. Mother in law is buyer's broker.Alll documentation provided by realtor verified through 3rd party .

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is only 30.99%. Max per guidelines is 43%. CFCFS2860: Good credit history - Clayton Comments: Credit report reflects no lates in a 24 month period. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 credit score exceeds minimum required of 680.

Complete

0921791902

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

CC

CB

VA

VA

RD

RB

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC150

Income docs do not meet guidelines

No

Provide the fully executed and dated 2014 tax return as only the 2015 tax returns were signed.

5.20.17 Lender provided signed/ stamped certified 2014 1040 tax returns.

5.20.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is only 30.99%. Max per guidelines is 43%. CFCFS2860: Good credit history - Clayton Comments: Credit report reflects no lates in a 24 month period. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 credit score exceeds minimum required of 680.

Complete

0867330631

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

Compliance Manual

Satisfied

D

A

RD

RA

CMPMAN2956

Missing disclosure

No

Missing a copy of signed Escrow Waiver.

5.24.17 - Lender provided copy of fully executed Escrow Waiver.

5.24.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 738, minimum score required is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 8yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 12yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 68 months of PITI reserves available. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.85%.

Client Complete

0571215050

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xx/xx/xxxx stated Closing Costs Financed (Paid from Your Loan Amount) amount of $3,251.40 does not match review's verified amount of $2706.52.Non-Numerical ErrorCan be satisfied non-material with client consent to legacy TILA cure 130(B), corrected post close CD, LOX, and verification sent to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 25 yrs with current employer CFCFS1737: LTV below guideline requirements - Clayton Comments: max ltv is 80% for rate/term CFCFS1741: Credit score exceeds guidelines - Clayton Comments: borrowers have excellent credit CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower have ample reserves. Not all assets in file used on application and in qualifying.

Complete

0571215050

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

$44.00 Zero Tolerance due to increase in transfer tax without a valid change of circumstance documented in the file.Final CD provides cure.Downgraded and satisfied non-material.

(No Data)

Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 25 yrs with current employer CFCFS1737: LTV below guideline requirements - Clayton Comments: max ltv is 80% for rate/term CFCFS1741: Credit score exceeds guidelines - Clayton Comments: borrowers have excellent credit CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower have ample reserves. Not all assets in file used on application and in qualifying.

Complete

0571215050

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR2400

Missing Flood Certification Document

No

Flood certificate missing from file.

5/9/17: Lender provided flood cert.

5/9/17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 25 yrs with current employer CFCFS1737: LTV below guideline requirements - Clayton Comments: max ltv is 80% for rate/term CFCFS1741: Credit score exceeds guidelines - Clayton Comments: borrowers have excellent credit CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower have ample reserves. Not all assets in file used on application and in qualifying.

Complete

0899467081

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

On CD XXX the Closing Costs Financed value of $8219.26 on the Calculating Cash to Close table does not match the Clayton calculation of $7596.88 since the Closing Costs Paid Before Closing value was not subtracted from the Total Closing Costs (J).

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 778 exceeded the guideline requirement of 680 by 98 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments 0x30 on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked XXX years in her profession.

Complete

0275842043

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer’s name on the Note, Mortgage, and the 1003 is XXX . The NMLS database verified the loan officer’s name as XXX . The Reg-Z requirement is for the Originator’s name to match the NMLS website exactly.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 760 exceeded the guideline requirement of 680 by 80 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked XXX years in his profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Complete

0275842043

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% tolerance fee increase between LE XXX and CD XXX by $125. The Appraisal fee rose form $509 to $634 without valid documentation. Lender included a credit of $125 for the increase on the same CD.

(No Data)

5/2/2017: exception satisfied since the tolerance error was corrected on the same CD.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 760 exceeded the guideline requirement of 680 by 80 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked XXX years in his profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Complete

0275842043

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC3204

Income Documentation Missing

No

2016 & 2015 W-2's provided in file are illegible.

(No Data)

05.12.17 Document images are poor quality however borrower's name company and income can be seen adequately, YTD income was used to qualify and qualified income is supported by W-2s provided, Non-Material exception level B.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 760 exceeded the guideline requirement of 680 by 80 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked XXX years in his profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Complete

0025719445

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

CC

CB

VA

VA

RD

RB

Compliance

Compliance Manual

Satisfied

D

A

RD

RA

CMPMAN2956

Missing disclosure

No

Provide the xxxxx Report.

5.10.17 - Lender provided fraud report.

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 9.1 yrs. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 11 yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 33.22%, maximum per guidelines is 43%.

Complete

0025719445

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

CC

CB

VA

VA

RD

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Provide the homeownership counseling list.

5.10.17 - Lender provided homeownership counseling list.

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 9.1 yrs. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 11 yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 33.22%, maximum per guidelines is 43%.

Complete

0025719445

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

CC

CB

VA

VA

RD

RB

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

Provide the ROR Form as cannot locate in the file.

6.1.17 Client rebuttal stating ROR attached, however no attachment with ROR was found.6.1.17 - Lender provided ROR.

6.1.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 9.1 yrs. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 11 yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 33.22%, maximum per guidelines is 43%.

Complete

0025719445

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

CC

CB

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Provide the written list of service providers.

5.10.17 - Lender provided WLP.

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 9.1 yrs. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 11 yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 33.22%, maximum per guidelines is 43%.

Complete

0025719445

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

CC

CB

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

$11.00 Zero Tolerance due to increase in appraisal fee from loan estimate to final CD without a valid change of circumstance documented in the file.Final CD provides cure.Downgraded and satisfied non-material.

(No Data)

5.3.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 9.1 yrs. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 11 yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 33.22%, maximum per guidelines is 43%.

Complete

0025719445

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

CC

CB

VA

VA

RD

RB

Credit

Assets

Active

C

B

CC

CB

CRDAST115

Cash reserves do not meet guidelines

No

Note is short PCL. Required amount is $XXX. Approved Exception dated XXX as Borrower is paying off Ex-Spouse. Exception approval noted however exception remains. File does contain computerized transaction history showing sufficient funds, however, portions of the printout are difficult to read. Provide complete March statement to verify sufficient funds to close.

5.26.17 - Lender states "LVAM approved exception - Reserve requirements / Post Close Liquidity (PCL) requirement. Exception was approved under the PCO delegated authority."

After further review by Senior Underwriter, file contains transaction history with sufficient funds to close but dates are illegible and require actual bank statements from March. Non material exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 9.1 yrs. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 11 yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 33.22%, maximum per guidelines is 43%.

Complete

0849961955

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

B

A

RB

RA

CMPDOC2514

Mortgage/Deed of Trust has not been recorded and/or sent for recording

No

Missing the fully executed copy of Mortgage.

05.18.17 Lender provided a copy of the executed mortgage sent for recording.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 736; minimum required credit score per guidelines is 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Borrower has a 0x30; 33 month mortgage history.

Complete

0849961955

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Missing the fully executed copy of Mortgage.

05.18.17 Lender provided a copy of the executed mortgage.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 736; minimum required credit score per guidelines is 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Borrower has a 0x30; 33 month mortgage history.

Complete

0849961955

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Missing the fully executed copy of Mortgage.

05.18.17 Lender provided a copy of the executed mortgage.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 736; minimum required credit score per guidelines is 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Borrower has a 0x30; 33 month mortgage history.

Complete

0849961955

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xx/xx/xxxx Closing Costs Financed (paid from your loan amount) of $10251.66 does not match review's verified amount of $9725.78.Non-Numerical ErrorCan be satisfied non-material with client consent to legacy TILA Cure 130(B), corrected post close CD, LOX, and verification sent to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 736; minimum required credit score per guidelines is 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Borrower has a 0x30; 33 month mortgage history.

Complete

0849961955

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

The Co-Borrower's re-verification VVOE completed by XXX on 3/7/2017 discloses the Co-Borrower was no longer employed as of 2/15/2017, when the VVOE completed on 3/16/2017 discloses the Co-Borrower is still employed and currently working as a XXX employee receiving 1099 income.

5/19/2017 - Lender provided the VVOE dated 3/16/2017

5/19/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 736; minimum required credit score per guidelines is 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Borrower has a 0x30; 33 month mortgage history.

Complete

0849961955

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2864

Copy of Mortgage/Deed in file is incomplete

No

Missing the fully executed copy of Mortgage.

05.18.17 Lender provided a copy of the executed mortgage.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 736; minimum required credit score per guidelines is 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Borrower has a 0x30; 33 month mortgage history.

Complete

0652256234

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP130

Application is incomplete

No

Missing legible copy of Final application signed by both borrowers.

05.10.17 Lender provided a copy of the final 1003 signed by borrowers.

05.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.56 DTI below guideline requirement of 35% for a first time homebuyer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 credit score exceeds guideline 680.

Complete

0652256234

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Provide evidence of timely rental payments for prior 12 months that missing from the file, or evidence loan was decisioned by a Fulfillment level 3 (4P) underwriter as required by guidelines for first time homebuyers.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.56 DTI below guideline requirement of 35% for a first time homebuyer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 credit score exceeds guideline 680.

Complete

0820524455

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC150

Income docs do not meet guidelines

No

2 years personal returns are not signed as required by GL's.

5/9/17: Lender provided signed tax returns.

5/9/17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 721. Min allowed 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: GL's requires 12 months PITI reserves, borrower has 94.80 months in verified post closing reserves.

Client Complete

0820524455

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Missing Hazard Insurance

5.9.17 Lender provided hazard insurance.

5.9.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 721. Min allowed 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: GL's requires 12 months PITI reserves, borrower has 94.80 months in verified post closing reserves.

Client Complete

0924008021

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

Final CD XXX: Calculating Cash to Close table, Closing Costs Financed (Paid from your Loan Amount), CD Value: $10,871.12; Clayton Calculated Value: $10,311.24.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 29yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 49% PITI cash reserves available. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32%, maximum per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.52%.

Complete

0924008021

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Terms/Guidelines

Active

B

B

CB

CB

CRDTER111

Ownership seasoning does not meet minimum per guidelines

No

Exception approval in file for less than 90 days seasoning and credit score. Borrowers purchased subject property in a non arms length transaction on XXX for $XXX. Current appraisal value of $xxxxx used for LTV. Borrower originally purchased the property in cash and are now recouping a portion of their initial investment; underwriter decision summary states this is not a true cash out (delayed financing) and thus 684 credit score meets guidelines (cash out minimum is 720).

05/18/2017 - Lender responded that LVAM tracking approved Purchase < 90 days policy. Lender stated that transaction approved under the PCO delegated authority, and purpose was to reimburse the borrower's cash investment for second home purchased within the preceding 90 days. Maximum LTV is based on the purchase LTV matrix using the lesser of the original purchase price or current appraised value. Loans are structured and closed as a refinance because the borrower is already on title but decisioned as a purchase transaction. Exception remains. Exception approval located in file was noted.

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 29yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 49% PITI cash reserves available. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32%, maximum per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.52%.

Complete

0053041317

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2488

Verbal verification of employment missing

No

Missing VVOE prior to close for B1.

0518.17 Lender provided a copy of the WF acceptance letter, please provide a copy of the VVOE dated within 20 business days of the note.

05.18.17 Exception remains, 24 months of income verification was provided, original LTV of 57.50%, 31 months of PITI reserves verified, mid FICO score of 790. Non-Material exception level B.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 31 months PITI cash reserves available. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 57.50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 790.

Complete

0287071065

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID4299

TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD

No

LE: xx/xx/xxxx, Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: 59579 does not match CD: xx/xx/xxxx, Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: 29579.00. Numeric-Material Error, Correction of the CD allows LE exception to be graded Satisfied B.

(No Data)

4.27.17 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7.8 years in current position. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10.25 years in current position. CFCFS1736: Significant time at current residence - Clayton Comments: 8.39 years in current departure residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The median credit score of 802 is 122 more points than minimum required score of 680.

Client Complete

0371331609

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer’s name on the Note, Mortgage, and the 1003 is xxx. The NMLS database verified the loan officer’s name as xxx. The Reg-Z requirement is for the Originator’s name to match the NMLS website exactly.

7.12.17 Client acknowledged waiver for NMLS License not being an exact match

7.12.17 Final Grade B. Exception is non-material as only variance is middle name.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 778 is 98 points higher than the required minimum score 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Current mortgage rated 57 months with 0x30. CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been in the same profession for 10 years.

Complete

0933118945

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

LO's name on NMLS showXXX , with no AKA's. Documents in file show XXX .

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 – Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 39 months PITI cash reserves available. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 7yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 21yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 15.92%, maximum per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 40.21%, maximum per guidelines is 80%.

Client Complete

0933118945

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing homeownership counseling list.

5/15/17 - HOC List provided Dated 1/14

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 39 months PITI cash reserves available. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 7yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 21yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 15.92%, maximum per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 40.21%, maximum per guidelines is 80%.

Client Complete

0933118945

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

File is missing ROR Form.

5/15/17 - Signed ROR for all Borrowers Provided

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 39 months PITI cash reserves available. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 7yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 21yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 15.92%, maximum per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 40.21%, maximum per guidelines is 80%.

Client Complete

0933118945

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing written listen of service providers.

5/15/17 - SPL provided Dated 1/14

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 39 months PITI cash reserves available. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned current residence for over 7yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 21yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 15.92%, maximum per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 40.21%, maximum per guidelines is 80%.

Client Complete

0099141155

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. Website shows name as XXX

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $218,244.40. Statements in file supported assets of $822,506.67 with reserves of $477,165.85. 12 months reserves required or $69,803.04 ($5,816.92 x 12). CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has more than 9 years in current position. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has more than 8 years in current position.

Complete

0099141155

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation supporting value $XXX

5.22.17 Desk Review received valued at $xxxxxx dated XXX, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $218,244.40. Statements in file supported assets of $822,506.67 with reserves of $477,165.85. 12 months reserves required or $69,803.04 ($5,816.92 x 12). CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has more than 9 years in current position. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has more than 8 years in current position.

Complete

0344521960

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $138,195.28 or 37.80 months PITI reserves. 12 months required for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 representative score exceeds the GL min of 680.

Client Complete

0330342532

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing PITIA expenses for retained primary residence at XXX

5.20.17 Lender provided PITI for xxxxx $1667.66.

5.20.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $235,210.47 or 68.73 months PITI reserves. Guidelines require 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 798 exceeds the GL min of 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 29 years.

Client Complete

0733068263

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.60 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 776 is 96 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 33.50 months PITIA reserves. 12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.01% DTI is below the maximum allowed DTI of 43%.

Client Complete

0999987149

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Provide List of homeowners counseling organizations not found in file

5.10.17 Lender provided List of homeowners counseling organizations.

5.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 25.39%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 773; minimum required credit score is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 11 years.

Client Complete

0999987149

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Provide List of Providers as not found in file.

5.10.17 Lender provided WLP.

5.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 25.39%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 773; minimum required credit score is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 11 years.

Client Complete

0999987149

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxxxxx.

5.2.17 Desk Review received value at $xxxxxx dated 5.2.17, value supported.

5.2.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 25.39%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 773; minimum required credit score is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 11 years.

Client Complete

0628460031

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing multiple documents required to complete ATR/QM review. 1. Missing all income documentation. 2. Missing credit report.3. Missing verification of assets to close.

5.24.17 - Lender supplied credit report, asset statements, 2 years tax returns, quarterly annuity statement and SSI awards letter supporting income used.

5.24.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 9.23 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75%; Max 80%

Client Complete

0628460031

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

10% tolerance fee increase between LE xx/xx/xxxx and CD XXX by $78.20. The Recording-Mortgage fee increased without valid documentation. Lender included a credit of $78.20 for the increase on the same CD.

(No Data)

4/28/2017: exception satisfied since the tolerance error was corrected on the same CD.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 9.23 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75%; Max 80%

Client Complete

0628460031

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP157

Application Not Signed by Primary Borrower

No

Final application not signed by primary borrower.

5.24.17 - Lender provided copy of fully executed final 1003.

5.24.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 9.23 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75%; Max 80%

Client Complete

0628460031

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST205

Insufficient Funds to Close

No

Missing verification of sufficient funds to close.

5.24.17 - Lender supplied asset statements providing sufficient funds for closing and reserves.

5.24.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 9.23 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75%; Max 80%

Client Complete

0628460031

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH189

Missing credit report

No

Missing credit report for borrower.

5.24.17 - Lender provided credit report dated 1.17.17.

5.24.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 9.23 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75%; Max 80%

Client Complete

0628460031

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC888

Income Amount is Unsupported by Documentation in File

No

Missing documentation of income. IRS transcripts are not sufficient to determine income due to multiple negative income lines.

5.24.17 - Lender supplied 2 years tax returns, quarterly annuity statement and SSI awards letter supporting income used.

5.24.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 9.23 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75%; Max 80%

Client Complete

0628460031

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2302

Missing Required Income Documentation

No

Missing documentation of income. IRS transcripts are not sufficient to determine income due to multiple negative income lines.

5.24.17 - Lender supplied 2 years tax returns, quarterly annuity statement and SSI awards letter supporting income used.

5.24.17 - exception cancelled.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 9.23 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75%; Max 80%

Client Complete

0628460031

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Missing hazard insurance for subject property.

5.20.17- Lender provided hazard insurance for subject property.

5.20.17- Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 9.23 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75%; Max 80%

Client Complete

0530867323

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The median credit score of 754 is 74 more points than minimum required score of 680.

Client Complete

0090619573

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 15.77%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 771; minimum required credit score per guidelines is 680.

Client Complete

0555708554

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Assets

Active

B

B

CB

CB

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Provide additional reserves. Per guidelines 12 months PITI reserves are required. Borrowers have $23,688.73 in reserves. PITI $3,662.24 x 12 = $43,946.88 - $23,688.73 = $20,258.15 additional reserves are required.

5.26.17 Lender response "Borrower has $17,307.37 in xxx account plus net proceeds from departure residence of $xxxxx equals $287,457.15 available assets; final closing disclosure reflects $263,909.22 funds to close resulting in $23,547.93 available assets after closing. Transactions requires 12 months PITI ($3664.33 x 12 = $43,971.96), $20,424.03 additional assets required to meet reserve requirements."

5.26.17 Graded non-material due to 777 credit score, $13k a month in residual income, and 33% DTI ratio. Borrower will meet reserve requirement with refund of net proceeds from departure residence.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 777 exceeds 720 mid score.

Complete

0865182578

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4229

TRID - CD: The Prepaids total amount disclosed in the CD Other Costs section does not equal its component parts

No

The Final CD: xx/xx/xxxx, Section: Other Costs, Total in Section F showing as $7,481.32, only fee showing as Borrower Paid is property Tax $3,740.66. Verified Data Entry.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 98.06 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 773 exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXX years in current job.

Complete

0865182578

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4232

TRID - CD: The Total Other Costs (Borrower-Paid) amount disclosed in the CD Other Costs section does not equal its component parts

No

The Final CD: xx/xx/xxxx, Section: Other Costs, Total in Section F showing as $7,481.32, only fee showing as Borrower Paid is property Tax $3,740.66. Calculation Error flows through remainder of Disclosure. Verified Data Entry.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 98.06 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 773 exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXX years in current job.

Complete

0865182578

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4233

TRID - CD: The Other Costs subtotal (Borrower Paid at Closing) amount disclosed in the CD Other Costs section does not equal its component parts

No

The Final CD: xx/xx/xxxx, Section: Other Costs, Total in Section F showing as $7,481.32, only fee showing as Borrower Paid is property Tax $3,740.66. Calculation Error flows through remainder of Disclosure. Verified Data Entry.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 98.06 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 773 exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXX years in current job.

Complete

0865182578

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4235

TRID - CD: The Total Closing Costs (Borrower-Paid) amount disclosed in the CD Other Costs section does not equal its component parts

No

The Final CD: XXX, Section: Other Costs, Total in Section F showing as $7,481.32, only fee showing as Borrower Paid is property Tax $3,740.66. Calculation Error flows through remainder of Disclosure. Verified Data Entry.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 98.06 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 773 exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXX years in current job.

Complete

0865182578

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4236

TRID - CD: The Closing Costs subtotal (Borrower Paid at Closing) amount disclosed in the CD Other Costs section does not equal its component parts

No

The Final CD: XXX, Section: Other Costs, Total in Section F showing as $7,481.32, only fee showing as Borrower Paid is property Tax $3,740.66. Calculation Error flows through remainder of Disclosure. Verified Data Entry.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 98.06 months post closing cash reserves available, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 773 exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXX years in current job.

Complete

0053075634

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.9.17 Client XXX approved to waive issues related to exact name matching on NMLS.

5.18.17 – Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets/Reserves: Verified Post Close assets of $517,632.40 or 130.57 months PITI reserves. 12 months PITI reserves required for the subject property ($3,964.33 x 12 = $47,571.96) total reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 745 exceeds the GL requirement of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as a xxxxx for 5 years.

Client Complete

0053075634

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

10% tolerance fee increase between LE xx/xx/xxxx and CD xx/xx/xxxx by $42.70. The Recording-Mortgage fee increased from $143 to $200 without valid documentation however the Lender credit the Borrower on the Final CD.

(No Data)

05/02/2017- Exception satisfied as Non-Material as Final CD corrected the issue.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets/Reserves: Verified Post Close assets of $517,632.40 or 130.57 months PITI reserves. 12 months PITI reserves required for the subject property ($3,964.33 x 12 = $47,571.96) total reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 745 exceeds the GL requirement of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as a xxxxx for 5 years.

Client Complete

0587960620

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing the list of homeowners counseling organizations.

5.10.17: Lender provided Counseling LIst.

5.10.17: Exception satisfeid.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 790; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 25.50 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in the subject for 13.16 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 53.92 months PITIA reserves. 12 months required.

Complete

0587960620

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

File is missing the Notice of Right of Rescission.

5.10.17: Lender provided ROR

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 790; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 25.50 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in the subject for 13.16 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 53.92 months PITIA reserves. 12 months required.

Complete

0587960620

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: xx/xx/xxxx, Section: Calculating Cash to Close, Field: Closing Costs Financed - Value of $10500.09 is incorrect, amount not considering the POC fee of $536.88. Numeric-Material Error, please provide corrected CD within 60 days of consummation. The curable items require a letter of explanation, proof of delivery, a refund if applicable, and reopening of rescission if applicable along with a Corrected CD.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 790; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 25.50 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in the subject for 13.16 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 53.92 months PITIA reserves. 12 months required.

Complete

0587960620

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing the Written List of Providers.

5.10.17: Lender provided SPL.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 790; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 25.50 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in the subject for 13.16 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 53.92 months PITIA reserves. 12 months required.

Complete

0587960620

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Credit

Assets

Satisfied

B

A

CB

CA

CRDAST115

Cash reserves do not meet guidelines

No

Insufficient non-retirement assets verified to meet cash reserves requirement. Per client guidelines, retirement assets may be used for no more than 50% of the post-closing liquidity (PCL) requirements. Asset documentation in file verified total reserves of $220,812.09, of which, $25,312.18 is from non-retirement assets which is less than 50% of the required PCL. Subject loan requires 12 months PITIA or $49,142.04 in reserves.

5.26.17 Lender provided bank statements showing sufficient liquid assets.

5.26.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 790; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 25.50 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in the subject for 13.16 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 53.92 months PITIA reserves. 12 months required.

Complete

0587960620

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxxxxx.

5.3.17 Desk Review received valued at $xxxxxx dated 5.2.17, value supported.

5.3.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 790; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 25.50 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in the subject for 13.16 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 53.92 months PITIA reserves. 12 months required.

Complete

0473579242

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4276

TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain the same values for Downpayment/Funds From Borrower but Did This Change? = Yes

No

Data entered correctly per CD xx/xx/xxxx. 5/3/17- The Final CD data is entered correctly, however; the CD calculating cash to close table answer reflects YES but there is not change between the values.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 25.04%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 776; minimum required credit score per guidelines is 680.

Complete

0461714176

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Form was not provided.

5/15/17 - HOC List provided Dated 1/20

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.11% DTI is below the maximum allowed DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 credit score; minimum required is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 11.79 years.

Client Complete

0461714176

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Form was not provided.

5/15/17 - SPL provided Dated 1/20

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.11% DTI is below the maximum allowed DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 credit score; minimum required is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 11.79 years.

Client Complete

0461714176

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of xxxxxx.

5.2.17 Desk Review received value at $xxxxxx dated 5.2.17, value supported.

5.2.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.11% DTI is below the maximum allowed DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 credit score; minimum required is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 11.79 years.

Client Complete

0522153499

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

7.12.17 Client acknowledged waiver for NMLS License verification not being an exact match

7.12.17 Final Grade B. Exception is non-material as only variance is middle name.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 17 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 780 exceeded the guideline requirement of 720 by 60 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 35.56 months PITIA reserves. 12 months required.

Complete

0986343815

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.78% DTI is below max DTI of 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 794.

Client Complete

0773567689

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS has middle name, or first and last name only.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 788 exceeded the guideline requirement of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.10% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $216,456.31 or 52.07 months PITIA reserves. 12 months required for the subject property ($4,157.26 x 12 = $49,887.12) total reserves required.

Complete

0773567689

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID4323

TRID - Ten percent tolerance fees increased beyond 10% at or prior to closing without a valid reason or not timely disclosed; refund was sent to the consumer within 60 days of consummation

No

$74.00 Ten Percent Tolerance due to increase in recording fee from loan estimate to final CD without a valid change of circumstance documented in the file. Final CD provides cure.Downgraded and satisfied non-material.

(No Data)

4.27.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 788 exceeded the guideline requirement of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.10% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $216,456.31 or 52.07 months PITIA reserves. 12 months required for the subject property ($4,157.26 x 12 = $49,887.12) total reserves required.

Complete

0773567689

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP130

Application is incomplete

No

File is missing the signed and dated initial loan application as the documents are blank when opened up.

05.10.17 Lender provided a copy of the signed 1003.

05.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 788 exceeded the guideline requirement of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.10% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $216,456.31 or 52.07 months PITIA reserves. 12 months required for the subject property ($4,157.26 x 12 = $49,887.12) total reserves required.

Complete

0773567689

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

12 months VOR 0 x 30 shortfall. The VOR is incomplete as the Landlord information at the top of VOR is blank. In addition, if VOR is from a private Landlord, guidelines require copies of cancelled checks.

5.10.17 - Lender provided statement from xxxxx that shows 12 months payment history.

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 788 exceeded the guideline requirement of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.10% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $216,456.31 or 52.07 months PITIA reserves. 12 months required for the subject property ($4,157.26 x 12 = $49,887.12) total reserves required.

Complete

0773567689

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Provide the Verbal VOE for the previous employer as Borrower's start date on the current job is XXX from the Note signing date of XXX. The Final 1003 shows previous employer termination date of XXX. Guidelines require 2 year's verification of employment history.

(No Data)

05.18.17 Income was verified with 24 months of W-2s most recent year of IRS transcripts, and at YTD pay stub. Compensating factors; 52 months of PITI reserves, 33.10% DTI, and 788 mid FICO score. Non-material exception level B.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 788 exceeded the guideline requirement of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.10% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $216,456.31 or 52.07 months PITIA reserves. 12 months required for the subject property ($4,157.26 x 12 = $49,887.12) total reserves required.

Complete

0623828482

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 6.37 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 9.88 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 749 exceeds guideline minimum of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 23.81% is below guideline maximum of 43.00% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower owned departure residence 6.29 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been in the same profession for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $301,666.43 or 42.87 months PITI reserves; guidelines require 12 months.

Complete

0246490273

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 805 exceeded the guideline requirement of 720 by 85 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 30.45/31.15, max allowed is 36/43

Client Complete

0675523513

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 789 is 109 points above minimum program requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.64% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 16.86 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 160.74 months PITIA reserves. 12 months PITI or required.

Client Complete

0265473765

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

N/A

A

N/A

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Provide pages 1,3, and 4 of the credit report

5.10.17 - Lender provided complete credit report.

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: The loan closed with an DTI of 27.70% and the max LTV was 43%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for over 11 years. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has been in current line of work as xxxxx for over 20 years.

Client Complete

0265473765

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH183

Credit report incomplete

No

Provide pages 1, 3 & 4 of the credit report dated 01/22/2017 including the credit scores. Used Equifax fico scores listed on Wells Fargo disclosures***Additional conditions may apply.

5.10.17 - Lender provided complete credit report.

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: The loan closed with an DTI of 27.70% and the max LTV was 43%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for over 11 years. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has been in current line of work as xxxxx for over 20 years.

Client Complete

0048624852

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing written verification of employment to stating continuance of overtime and documenting 2 years of overtime. Only have verification of 2016 overtime income

5.30.17 Lender response Decisioner used a three-year average of 2014, 2015 and 2016 income, documenting an increasing trend and probability of continued receipt of off duty/overtime income. Borrower has been on this job 21 years. Documenation was sufficient to meet income requirements.

5.30.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $0. Statements in file supported assets of $363,812.84 with reserves of $363,812.84. 12 months reserves required or $40,427.64 ($3,368.97 x 12). CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 20 years in current position. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived in subject residence for more than 15 years.

Complete

0048624852

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: xx/xx/xxxx, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 10985.48 which does not match xxx calculation of: 10480.54

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $0. Statements in file supported assets of $363,812.84 with reserves of $363,812.84. 12 months reserves required or $40,427.64 ($3,368.97 x 12). CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 20 years in current position. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived in subject residence for more than 15 years.

Complete

0048624852

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

RC

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance violation for increased Credit Report and Points in Origination totaling $671.50, without a valid reason or not timely disclosed; supply refund of $671.50, Letter of Explanation, and corrected CD required within 60 days of consummation

6.1.17 - Lender provided the following rebuttal:UPDATE: Attached are the documents that were sent to borrower (new Closing Disclosure, letter, refund check).Prior response: Agree with investor. The Credit Report fee increased by $9 on the initial CD issued xx/xx/xxxx (006). The increase was valid; however, the date of knowledge was xx/xx/xxxx. The CD was not issued within 3 days of knowledge and there was no Over Tolerance Refund issued for this fee. The Discount Points in the amount of $662.50 were added to the CD issued xx/xx/xxxx (011) with a valid Change Circumstance of interest rate decrease. The change was also disclosed within timing (Date of Knowledge xx/xx/xxxx). The borrower would not be due a refund for the addition of Discount Points; however, would be due a total of $9 for the insufficient timing of re-disclosure for the increase to the 0% tolerance Credit Report fee. Refund to the borrower of $9 and new CD reflecting the $9 over tolerance credit is required to cure the defect. Remediation request sent to CDCR 5/24/17. 6.1.17 - XXX received the PCCD dated xx/xx/xxxx, copy of refund check and letter to the borrower.

6.1.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $0. Statements in file supported assets of $363,812.84 with reserves of $363,812.84. 12 months reserves required or $40,427.64 ($3,368.97 x 12). CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 20 years in current position. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived in subject residence for more than 15 years.

Complete

0048624852

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Missing written verification of employment to stating continuance of overtime and documenting 2 years of overtime. Only have verificatiion of 2016 overtime income.

5.30.17 Lender response Decisioner used a three-year average of 2014, 2015 and 2016 income, documenting an increasing trend and probability of continued receipt of off duty/overtime income. Borrower has been on this job 21 years. Documenation was sufficient to meet income requirements.

5.30.17 exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $0. Statements in file supported assets of $363,812.84 with reserves of $363,812.84. 12 months reserves required or $40,427.64 ($3,368.97 x 12). CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over 20 years in current position. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived in subject residence for more than 15 years.

Complete

0375583544

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

B

B

C

B

CB

CB

VC

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

(No Data)

(No Data)

5.18.17- Cure on CD of $199.81 sufficient to cover increase in fees, condition satisfied Non-Material.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets/Reserves: Verified Post Close assets of $610,800.71 or 61.48 months PITIA reserves. 12 months PITIA reserves required for the subject property, 6 months PITI required for the REO property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 773, minimum score required of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxxxx for 10.30 years.

Complete

0375583544

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

B

B

C

B

CB

CB

VC

VA

RB

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2488

Verbal verification of employment missing

No

Missing 3rd party self-employed verification dated within 30 calendar days of note date for the following entities: -Borrower's business - XXX

5.31.2017 Lender response Unable to locate a re-verification of self-employment within 30 days of note date.

5.31.17 exception remains

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets/Reserves: Verified Post Close assets of $610,800.71 or 61.48 months PITIA reserves. 12 months PITIA reserves required for the subject property, 6 months PITI required for the REO property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 773, minimum score required of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxxxx for 10.30 years.

Complete

0375583544

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

B

B

C

B

CB

CB

VC

VA

RB

RB

Property Valuations

Property

Satisfied

C

A

VC

VA

PRVAPROP177

Property Issues Indicated

No

1). Provide the private road maintenance agreement.2). Appraiser/Environmental Specialist to further comment on the marketability and the potential safety hazard on the area concerned with the subject property due to the mold located on the ceiling (appears to be spreading). **Lender conditional approval requested repair and inspection completed with a mold inspection/certificate however not located in the file**

5.31.2017 - Lender provided the repair and inspection completed invoice with a mold inspection/certificate

5.31.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets/Reserves: Verified Post Close assets of $610,800.71 or 61.48 months PITIA reserves. 12 months PITIA reserves required for the subject property, 6 months PITI required for the REO property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 773, minimum score required of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxxxx for 10.30 years.

Complete

0669191858

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

CC

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

$356.60 cure on CD sufficient to cover increase in fees, condition cancelled

(No Data)

05/18/2017: Exception satisfied as Non-Material as the Final CD corrected the issue.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 764 exceeded the guideline requirement 700. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession.

Complete

0669191858

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

CC

CB

VA

VA

RB

RB

Credit

Application

Active

B

B

CB

CB

CRDAPP130

Application is incomplete

No

Missing initial application executed by L/O and B xxx per lender disclosure list. Earliest 1003 dated xxx. Initial 4506T supports lender app date of xxx.

5.28.17 Lender rebuttal Unable to locate the initial Loan Application dated xxxxx. Please provide initial application

5.28.17 Exception remains

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 764 exceeded the guideline requirement 700. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession.

Complete

0669191858

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

CC

CB

VA

VA

RB

RB

Credit

LTV/CLTV

Satisfied

C

A

CC

CA

CRDLTV3028

LTV Exceeds Guideline Requirement by 10% or more

No

20.00% LTV shortfall. The LTV of 80.00% is 20.00% > maximum LTV allowed for Foreign National of 60.00%.

5.24.17 - Lender provided a rebuttal indicating they disagree. Lender's rebuttal:"LTV meets guideline requirement(s). Borrower is a non-permanent resident alien (not Foreign National) that possesses a valid H-1B visa (attached). " 5.30.17 Lender to provide guidelines "Borrower - General Information" for review by XXX. 5.31.17 - Lender provided the general information section that was missing.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 764 exceeded the guideline requirement 700. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession.

Complete

0811775736

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support the original appraised value of $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: 52.34 LTV below guideline requirements. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.34% DTI; max per guidelines is 43%.

Client Complete

0310649298

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing homeownership counseling list.

5/15/17 - HOC List provided Dated 3/16

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 17.77%; max allowed DTI per guidelines is 43%.

Client Complete

0310649298

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing written list of service providers.

5/15/17 - SPL provided Dated 3/16

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 17.77%; max allowed DTI per guidelines is 43%.

Client Complete

0310649298

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of xxxxxx.

5.2.17 Desk Review received value at $xxxxxx+AH913 dated 5.2.17, value supported.

5.2.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 17.77%; max allowed DTI per guidelines is 43%.

Client Complete

0201216775

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS has full first, middle and last name, or first and last name only.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 110.85 months PITIA reserves. 12 months PITI required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 791 exceeds the GL requirement 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 6.79 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.80% DTI is below the maximum allowed DTI of 43%.

Client Complete

0201216775

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% Tolerance Violation for raising of credit report fee with no COC or explanation of increase. Credit report fee increased from LE of 15.00 to $23.94 on the Initial CD however Lender gave Borrower a $9.00 Lender Credit to cure the failure.

(No Data)

Exception satisfied as CD 03/20/2017 as Borrower credited this amount on the Final CD.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 110.85 months PITIA reserves. 12 months PITI required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 791 exceeds the GL requirement 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 6.79 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.80% DTI is below the maximum allowed DTI of 43%.

Client Complete

0258004684

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

B

B

D

A

D

B

CB

CA

VB

VB

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Provide copy of final signed Closing Statement for sale of xxx, with net proceeds of $xxx(not signed and no credit supplement showing -0- balance or closed) or Provide PITI to include in DTI

7.13.17 Client rebuttal- Property xxx paid in full prior to close. Documents to verify $0 balance and net proceeds of $xxx attached. Documents provided are copies of checks to borrower and mortgage statement showing 0 balance. Checks are from 2 different places and there is no link to a closing. Exception remains for Final CD or HUD showing sale. 7.18.17 - Lender provided satisfaction of mortgage and copies of checks totaling $xxx.

7.18.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 766 exceeds Program Guidelines of 680 for 75% LTV. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 18.70 months PITIA reserves. 12 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV is 5% less than the maximum program LTV of 80% for 766 credit score.

Complete

0258004684

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

B

B

D

A

D

B

CB

CA

VB

VB

RD

RA

Credit

DTI

Satisfied

B

A

CB

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Provide copy of final signed Closing Statement for sale of xxx, with net proceeds of $xxx (not signed and no credit supplement showing -0- balance or closed) or provide PITIA to include in DTI

7.13.17 Client rebuttal- Property xxx paid in full prior to close. Documents to verify $0 balance and net proceeds of $xxx attached. Documents provided are copies of checks to borrower and mortgage statement showing 0 balance. Checks are from 2 different places and there is no link to a closing. Exception remains for Final CD or HUD showing sale. 7.18.17 - Lender provided satisfaction of mortgage and copies of checks totaling $xxx.

7.18.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 766 exceeds Program Guidelines of 680 for 75% LTV. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 18.70 months PITIA reserves. 12 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV is 5% less than the maximum program LTV of 80% for 766 credit score.

Complete

0258004684

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

B

B

D

A

D

B

CB

CA

VB

VB

RD

RA

Property Valuations

Property

Active

B

B

VB

VB

PRVAPROP241

Property Type unacceptable under guidelines

No

Appraisal indicates a single entity holds xxx units which is 31.43% of the total project. Client guidelines allow a single entity to own no more than 10% of the units. An exception request was provided in the file dated xxx . Exception approval noted however exception remains.

7.12.17 Client response- Agree, business followed exception protocols as documented

7.12.17 Exception remains. After further review, exception is non-material. Overlays allow exception with proper approval. Credit Score of 766 exceeds Program Guidelines of 680 for 75% LTV.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 766 exceeds Program Guidelines of 680 for 75% LTV. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 18.70 months PITIA reserves. 12 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV is 5% less than the maximum program LTV of 80% for 766 credit score.

Complete

0876404452

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Missing evidence of Homeowners Insurance.

05.11.17 Lender provided a copy of the HOI.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower employed 13.80 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60.76%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 770 is 90 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified post closing reserves of $143,615.56 or 33.38 months PITI; per guidelines, 12 months PITI required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.81% is 8.89 points below the maximum permitted of 43%.

Client Complete

0551003277

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC3204

Income Documentation Missing

No

Provide the fully executed signed and dated Initial 4506-T form as only the Final 4506-T form was located.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxxxx for 20.2 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xxxxx for 10.2 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 credit score exceeds guidelines of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets/Reserves: Verified Post Close assets of $272,784.39 or 64.02 months PITIA reserves. 18 months PITIA reserves required Second Home, 6 months PITI for the primary residence and 6 months PITI reserves for the REO property.

Complete

0551003277

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

LTV/CLTV

Active

B

B

CB

CB

CRDLTV3026

LTV Exceeds Guideline Requirement by at least 5%, but less than 10%

No

Lender exception approval dated xxx provided allowing 5% increase in the maximum LTV/CLTV from 70% to 75% due to the Second Home is a resort condo. Exception approval noted however exception remains.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxxxx for 20.2 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xxxxx for 10.2 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 credit score exceeds guidelines of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets/Reserves: Verified Post Close assets of $272,784.39 or 64.02 months PITIA reserves. 18 months PITIA reserves required Second Home, 6 months PITI for the primary residence and 6 months PITI reserves for the REO property.

Complete

0694908987

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support the original appraised value of $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 Credit score exceeds the minimum guidelines requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.08 DTI; max per guideline is 43%.

Client Complete

0533658635

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

B

A

D

B

D

B

CA

CA

VB

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.9.17 Client WFHL approved to waive issues related to exact name matching on NMLS.

5.9.17 Final Grade B.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxxxx for 15.1 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xxxxx for 20.1 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' median credit score of 774 is < minimum credit score of 680.

Client Complete

0533658635

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

B

A

D

B

D

B

CA

CA

VB

VA

RD

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Provide List of homeowners counseling organizations not in file

5.10.17: Lender provided counseling list.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxxxx for 15.1 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xxxxx for 20.1 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' median credit score of 774 is < minimum credit score of 680.

Client Complete

0533658635

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

B

A

D

B

D

B

CA

CA

VB

VA

RD

RB

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

Provide Notice of Right of Rescission form as cannot locate in the file.

5.10.17: Lender provided ROR

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxxxx for 15.1 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xxxxx for 20.1 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' median credit score of 774 is < minimum credit score of 680.

Client Complete

0533658635

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

B

A

D

B

D

B

CA

CA

VB

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Provide Missing written List of Service Providers.

5.10.17: Lender provided SPL.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxxxx for 15.1 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xxxxx for 20.1 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' median credit score of 774 is < minimum credit score of 680.

Client Complete

0533658635

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

B

A

D

B

D

B

CA

CA

VB

VA

RD

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/17- Severe Winter Storms, Flooding, and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.9.17 Post Disaster Inspection confirm no damages to property.

5.9.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxxxx for 15.1 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xxxxx for 20.1 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' median credit score of 774 is < minimum credit score of 680.

Client Complete

0917122174

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing anti-fraud report

5.30.17 - Client provided the Anti-Fraud Report.

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 781. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 21.70 months PITI reserves; per guidelines, 12 months required.

Client Complete

0917122174

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support the original appraised value of $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 781. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 21.70 months PITI reserves; per guidelines, 12 months required.

Client Complete

0217252699

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

CC

CA

VA

VA

RA

RA

Credit

Terms/Guidelines

Satisfied

C

A

CC

CA

CRDTER3124

Loan documents do not meet guideline requirements

No

Missing xxxxx per guideline requirements.

5.30.17 - Client provided the xxxxx per guideline requirements.

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.82 DTI below guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 71.62 months verified cash reserves exceed guidelines

Client Complete

0852978893

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

D

A

A

A

D

A

CC

CA

VD

VA

RA

RA

Credit

Terms/Guidelines

Satisfied

C

A

CC

CA

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing 12 month rental history per guideline requirements.

5.30.17 - Client provided the 12 month rental history .

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 credit score exceeds guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.23% DTI is below the guideline requirement of 43%.

Client Complete

0852978893

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

D

A

A

A

D

A

CC

CA

VD

VA

RA

RA

Credit

Terms/Guidelines

Satisfied

C

A

CC

CA

CRDTER3124

Loan documents do not meet guideline requirements

No

Missing all condo documentation for approval of condo per guideline requirements.

5.31.17 - Client provided the Condo Final Project Approval.

5.31.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 credit score exceeds guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.23% DTI is below the guideline requirement of 43%.

Client Complete

0852978893

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

D

A

A

A

D

A

CC

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing third party desk review to support the original appraised value of $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 credit score exceeds guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.23% DTI is below the guideline requirement of 43%.

Client Complete

0653602580

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

CC

CA

VA

VA

RA

RA

Credit

Terms/Guidelines

Satisfied

C

A

CC

CA

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing the concurrently closed subordinate HELOC documentation/line agreement to confirm the terms and payment amount.

5.10.17 - Lender provided terms of the HELOC. Guidelines indicate to calculate payment off of: Full credit line limit, 20-year amortization term, Fully indexed rate (prime+ margin) from the note + 2.00 Wells Fargo qualifying economic adjuster. Used $500k +4.00 prime + .250 margin +2.00 = 6.25%.$500k at 6.25% at 20 years is $3,655.

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $449,833.46 or 29.23 months of PITI reserves; per guidelines, 24 months subject PITIA reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 804 exceeds the guideline requirement of 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed at the same company for the last 15 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed at the same job for the last 9 years.

Client Complete

0258465872

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

B

A

C

A

CC

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file, please provide.

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 credit score exceeds 680 guidelines.

Client Complete

0258465872

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

B

A

C

A

CC

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not in file, please provide.

5/15/17 - Lender provided SPL disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 credit score exceeds 680 guidelines.

Client Complete

0258465872

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

B

A

C

A

CC

CA

VA

VA

RB

RA

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST206

Asset Amounts Are Unsupported by Documentation in File

No

Missing donor's source for gift letter for $10,000 (ex copies cancelled checks)

5.21.17 Lender provided cancel check from donor for gift of $10,000

5.21.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 credit score exceeds 680 guidelines.

Client Complete

0773577882

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $114,237.27 or 29.02 months PITI cash reserves. 12 months PITI reserves required for the subject property ($3,936.23 x 12 = $47,234.76) total reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 27.02%, maximum DTI allowed is 43%. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit with on time payment history. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower receives bonus income which was not used in qualifying ($80,000.00/12 = $6,666.67 monthly bonus pay).

Client Complete

0077143678

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Credit

Assets

Satisfied

D

A

CD

CA

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Donor availability of funds from xxx A/C xxx missing from file. Gift was given xxx after the application date xxx

5.20.17 Lender provided documentation of wire from xxxxx on 3/17/17 for $100,000 to borrower.

5.20.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has very little debt, excellent repayment history including VOR. Overall credit score is 778. Minimum credit score 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has abundant reserves in investments and retirement. Minimum required PCL is 12 mths PITI ($4759.04 X 12= $57,108.48).

Complete

0077143678

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Missing check verification for January 2016 rent on departure residence. Exception was approved to use 9 mths VOR.

5.14.17 Client rebuttal No exception was required. Per non-conforming underwriting guidelines waiving the VOR is not allowed but judgment regarding the number of months payments verified is allowed. However, exception remains.

5.14.17 Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has very little debt, excellent repayment history including VOR. Overall credit score is 778. Minimum credit score 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has abundant reserves in investments and retirement. Minimum required PCL is 12 mths PITI ($4759.04 X 12= $57,108.48).

Complete

0077143678

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Credit

DTI

Active

B

B

CB

CB

CRDDTI105

Debt Ratio Exception 5% or Less

No

Borrower is first time home buyer, limiting his DTI to 35%. Overall DTI front/back is 37.278/ 38.031. Exception approved by Originator.

5.14.17 Client rebuttal LVAM tracking approved - First Time Homebuyer Escrow Waiver. Transaction was approved under the PCO delegated authority. However, exception remains.

5.14.17 Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has very little debt, excellent repayment history including VOR. Overall credit score is 778. Minimum credit score 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has abundant reserves in investments and retirement. Minimum required PCL is 12 mths PITI ($4759.04 X 12= $57,108.48).

Complete

0638266015

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Provide third party verification of existence of business dated within 30 days of note date.

7.17.17 Client response Underwriter completed verbal VOE with CPA who prepared business tax returns on 05-06-2017 (attached); note is dated xxx. However, there is no VOE attached. Exception remains. 7.18.17 Client response- Underwriter completed verbal VOE with CPA who prepared business tax returns on 05-06-2017 (attached); note is dated xxx. Attached was copy of UW notes.

7.18.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current property 15+ years CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 33 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 62.50% is below guideline requirement of 80% by 17.50 points

Complete

0638266015

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing 3rd party anti-fraud report.

7.13.17 Client provided third anti fraud report with high risk score due to multiple inquiries with lender. Exception remains for proof borrower has no other mortgage financing with xxx. 7.18.17 Client provided screenshot of loans with borrower confirming only loans with borrower; this transaction and the property pending sale.

7.18.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current property 15+ years CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 33 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 62.50% is below guideline requirement of 80% by 17.50 points

Complete

0638266015

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC2488

Verbal verification of employment missing

No

Missing verbal verification of employment or a CPA letter confirming that the borrower has been self-employed for the most recent 2 years. Verification must be dated within 30 days of the Note date.

7.17.17 Client response Underwriter completed verbal VOE with CPA who prepared business tax returns on 05-06-2017 (attached); note is dated xxx. However there was no VOE attached. Exception remains for VVOE 7.18.17 Client provided UW comments where UW completed verbal VOE with CPA

7.18.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current property 15+ years CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 33 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 62.50% is below guideline requirement of 80% by 17.50 points

Complete

0419534061

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% tolerance fee increase between LE xx/xx/xxxx and CD xx/xx/xxxx by $25.90. The Credit Report fee increased without valid documentation. Lender included a credit of $25.90 on the same CD.

(No Data)

4/27/2017: exception satisfied since the tolerance error was corrected on the same CD.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $148,159.31 or 46.15 PITI reserves. 12 months PITI reserves required for the subject property ($3,210.43 x 12 = $38,525.16) total reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers credit score of 774 is > minimum credit score of 680. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower is xxxxx for 6 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers' resided at current residence for 9.75 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 42 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0410893422

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 16.21%, maximum DTI allowed is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 772 is > minimum credit score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13.30 years in current job.

Complete

0410893422

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

5.15.17- HOC list provided

5.15.17-condition satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 16.21%, maximum DTI allowed is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 772 is > minimum credit score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13.30 years in current job.

Complete

0410893422

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

5.15.17-SPL provided

5.15.17- Exception Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 16.21%, maximum DTI allowed is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 772 is > minimum credit score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13.30 years in current job.

Complete

0410893422

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Credit

Application

Active

C

B

CC

CB

CRDAPP1813

Undisclosed non-arm's length transaction

No

Loan is a Non-Arm's Length transaction as Appraiser noted that offered privately between family members. UW Decision Summary indicates this is considered "At Interest Transaction".

(No Data)

After further review by Senior Underwriter, exception is non-material. Relationship was disclosed and there are seller concessions or any other red flags. Purchase price based on market value.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 16.21%, maximum DTI allowed is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 772 is > minimum credit score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13.30 years in current job.

Complete

0410893422

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Provide the xxxxx Report as cannot locate in the file.

5.20.17 Lender provided xxxxx

5.20.17 exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 16.21%, maximum DTI allowed is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 772 is > minimum credit score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13.30 years in current job.

Complete

0410893422

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support appraised value of $xxxxxx

5.2.17 Desk Review received value at $xxxxxx dated 5.2.17, value supported.

5.2.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 16.21%, maximum DTI allowed is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 772 is > minimum credit score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13.30 years in current job.

Complete

0905539149

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 774 is 94 points above than minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 14.87% DTI is below the guideline maximum 43% DTI. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years with current employer.

Client Complete

0526146435

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

5/15/17 - HOC List provided Dated 2/3

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 20.68%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 801; minimum required credit score per guidelines is 680.

Client Complete

0526146435

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided or untimely

5/15/17 - SPL provided Dated 2/3

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 20.68%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 801; minimum required credit score per guidelines is 680.

Client Complete

0593786139

XXXXXX

MI

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Assets

Active

B

B

CB

CB

CRDAST205

Insufficient Funds to Close

No

Borrowers are short liquid assets by $144,609.78. Asset documents in file support liquid assets of $40,149.66. Document borrowers have sufficient liquid assets of $184,759.44 required at closing. Provide evidence of liquidation from XXX #XXX and deposit to XXX #XXX prior to closing. Additional conditions may apply.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.32% DTI; Max per guidelines is 43%. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional income on paystub not used for qualification. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 30 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 credit score; minimum required is 680.

Complete

0593786139

XXXXXX

MI

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Income/Employment

Active

N/A

B

N/A

CB

CRDINC3204

Income Documentation Missing

No

Provide the fully executed and dated Initial 4506-T as not located in the file.

5.10.17 Client provided Final 4506T

Final grade B due to non-material issue upon receipt of final 4506T.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.32% DTI; Max per guidelines is 43%. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional income on paystub not used for qualification. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 30 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 credit score; minimum required is 680.

Complete

0777002709

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

B

A

A

B

B

CA

CA

VB

VB

RA

RA

Property Valuations

Appraisal

Active

B

B

VB

VB

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Provide Appraisal Update and/or Completion Report reflecting: all light fixtures are installed; general clean up completed, carpet installed, and grading and seeding completed. Per the Appraiser, subject property is 99% complete and the Estimated cost to cure is $xxxxx (0.25% of sales Price $xxxxx).

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 80 months post closing cash reserves available, 6 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower representative middle score is 777 which exceeds the GL min of 720. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 8 years in profession.

Complete

0659873142

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 773 is 93 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 19.28% is 23.72% below the maximum DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 20 years.

Client Complete

0608216970

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

B

B

B

B

B

CA

CA

VB

VB

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS-xxx XXX, documents executed - XXX.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 – Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 805 is 85 points higher than the required score of 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 30.30% is 39.7% lower the maximum LTV of 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 23.21% is 19.79% less than the maximum DTI of 43%.

Complete

0608216970

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

B

B

B

B

B

CA

CA

VB

VB

RB

RB

Property Valuations

Property

Active

B

B

VB

VB

PRVAPROP2674

Property Issues Indicated 2

No

COOP - The Flip tax >5%, an exception appoval is in the file.

5.26.17 Lender states "LVAM approved exception - Cooperative Flip Tax. Exception was approved under the PCO delegated authority." Non-material exception.

5.26.17 exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 805 is 85 points higher than the required score of 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 30.30% is 39.7% lower the maximum LTV of 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 23.21% is 19.79% less than the maximum DTI of 43%.

Complete

0542236970

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score 806 is 126 points higher than the required score of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets or $657,662.84 or 79.85 PITI reserves. 12 months PITI required for the subject property ($8,235.47 x 12 = $98,825.64), 6 months PITI for xxxxx ($4,505.00 x 6 = $27,030.00), 6 months PITI for xxxxx ($1,108.92 x 6= $6,653.52), 6 months PITI for xxxxx ($8,215.03 x 6= $49,290.18) totaling $181,799.34 total reserves required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage rated 25 months with 0x30.

Client Complete

0877911312

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing the list of homeowners counseling organizations.

05.15.17 Lender provided a copy of the HOCL.

05.15.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 83.40 months PITI reserves. 18 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 credit score exceed guideline minimum of 680 by 124 points. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived in his primary residence for 12.35 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 7.6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.53% LTV is 6.47% less than the maximum program LTV of 80%.

Client Complete

0877911312

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing the Written List of Providers.

05.15.17 Lender provided a copy of the service provider.

05.15.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 83.40 months PITI reserves. 18 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 credit score exceed guideline minimum of 680 by 124 points. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived in his primary residence for 12.35 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 7.6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.53% LTV is 6.47% less than the maximum program LTV of 80%.

Client Complete

0284106257

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Waived

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. off by the poc amount of $695.00.

7.11.17 Client acknowledge of waiver for differences in technical interpretations and waive the finding.

7.11.17 Final Grade B

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 15.53%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 69.08%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 807; minimum required credit score per guidelines is 680.

Complete

0473557007

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing homeownership counseling list.

5/15/17 - HOC List provided Dated 1/27

5/15/17 - Exception Satisfied

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11.8 years with current employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 790 exceeded the guideline requirement of 680 by 110 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets/Reserves: Verified Cash Reserves $132057.61 or 36.62 Months PITI Reserves, minimum 12 months PITI reserves required.

Client Complete

0473557007

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing written list of service providers.

5/15/17 - SPL provided Dated 1/27

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 11.8 years with current employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 790 exceeded the guideline requirement of 680 by 110 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets/Reserves: Verified Cash Reserves $132057.61 or 36.62 Months PITI Reserves, minimum 12 months PITI reserves required.

Client Complete

0903525351

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. Name on website is XXX , however per loan documents name is shown as XXX.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 – Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 776 exceeded the guideline requirement of 680 by 96 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7.92 years with current employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets/Reserves: Verified Cash Reserves $115,050.14 or 29 Months PITI Reserves, minimum 12 months PITI reserves required.

Client Complete

0903525351

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

No evidence in file of homeowners counseling organizations list being provided to borrower's with three days of application date.

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 776 exceeded the guideline requirement of 680 by 96 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7.92 years with current employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets/Reserves: Verified Cash Reserves $115,050.14 or 29 Months PITI Reserves, minimum 12 months PITI reserves required.

Client Complete

0903525351

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

No evidence of Written List of Providers being sent to borrower's within three days of application date.

5/15/17 - Lender provided SPL disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 776 exceeded the guideline requirement of 680 by 96 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 7.92 years with current employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets/Reserves: Verified Cash Reserves $115,050.14 or 29 Months PITI Reserves, minimum 12 months PITI reserves required.

Client Complete

0387168276

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

D

A

D

B

CB

CB

VD

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing documentation to complete the ATR/QM status determination review: Missing verification of REO expenses for the departing residence (xxxxx); the credit report did not state whether insurance and taxes were included in the payment nor was there a mortgage statement provided.

5.31.17 - Lender provided the verification of REO expenses for the departing residence (xxxxx).

5.31.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 16 years in her profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments 0 x 30 on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' median credit score of 745 exceeded the guideline requirement of 680 by 65 points.

Complete

0387168276

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

D

A

D

B

CB

CB

VD

VA

RD

RA

Credit

DTI

Satisfied

B

A

CB

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of REO expenses for the departing residence (xxxxx); the credit report did not state whether insurance and taxes were included in the payment nor was there a mortgage statement provided

5.31.17 - Lender provided the verification of REO expenses for the departing residence (xxxxx).

5.31.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 16 years in her profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments 0 x 30 on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' median credit score of 745 exceeded the guideline requirement of 680 by 65 points.

Complete

0387168276

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

D

A

D

B

CB

CB

VD

VA

RD

RA

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC3204

Income Documentation Missing

No

Missing Final 4506-T form signed at closing.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 16 years in her profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments 0 x 30 on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' median credit score of 745 exceeded the guideline requirement of 680 by 65 points.

Complete

0387168276

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

D

A

D

B

CB

CB

VD

VA

RD

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation supporting the appraised value on appraisal of $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 16 years in her profession. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments 0 x 30 on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' median credit score of 745 exceeded the guideline requirement of 680 by 65 points.

Complete

0299292838

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 88.02 months of PITI reserves. 12 months required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 8.78 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.97% LTV is 11.03% less than the maximum program LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 775 is 95 points above minimum program requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 17.94% DTI is below the maximum allowed DTI of 43%.

Client Complete

0878608254

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

A

A

D

B

D

B

CC

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Provide Mortgage with the executed Notary Status for the subject property as copies of documents in the file are blank when opened up.

5.31.17 - Client provided the executed Notary Status for the subject property

5.31.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed as the XXX for 14 years at XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 796, minimum required is 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 20.63%, max is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have verified Post Close assets of $991,227.34 or 255.68 months PITIA reserves. 12 months PITIA reserves required for the subject property ($3,876.87 X 12=$45,522.44) total reserves required.

Client Complete

0878608254

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

A

A

D

B

D

B

CC

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Provide Mortgage and or any/all Rider(s) if applicable for the subject property as copies of documents in the file are blank when opened up.

5.31.17 - Client provided Mortgage and or any/all Rider(s

5.31.17 - Exception Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed as the XXX for 14 years at XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 796, minimum required is 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 20.63%, max is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have verified Post Close assets of $991,227.34 or 255.68 months PITIA reserves. 12 months PITIA reserves required for the subject property ($3,876.87 X 12=$45,522.44) total reserves required.

Client Complete

0878608254

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

A

A

D

B

D

B

CC

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance violation due to increase in Appraisal Fee. However, Lender gave borrower a $125.00 Lender Credit to cure violation.

Lender gave borrower a $125.00 Lender Credit to cure violation.

5.24.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed as the XXX for 14 years at XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 796, minimum required is 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 20.63%, max is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have verified Post Close assets of $991,227.34 or 255.68 months PITIA reserves. 12 months PITIA reserves required for the subject property ($3,876.87 X 12=$45,522.44) total reserves required.

Client Complete

0878608254

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

A

A

D

B

D

B

CC

CA

VA

VA

RD

RB

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC150

Income docs do not meet guidelines

No

Provide the fully executed Final 4506-T as the one in the file is blank when opened up.

5.31.17 - Client provided the executed the Final 4506-T

5.31.17 - Exception Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed as the XXX for 14 years at XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 796, minimum required is 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 20.63%, max is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have verified Post Close assets of $991,227.34 or 255.68 months PITIA reserves. 12 months PITIA reserves required for the subject property ($3,876.87 X 12=$45,522.44) total reserves required.

Client Complete

0611567987

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided at current address 12.36 years CFCFS2854: Significant time in profession - Clayton Comments: Both borrowers have been in same profession for 20 years each CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of the primary wage earner (781) exceed guideline requirements of 680 by 101 points

Complete

0023634811

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

C

B

D

B

CD

CB

VD

VA

RC

RB

Compliance

Compliance Manual

Satisfied

C

A

RC

RA

CMPMAN2990

1003 - Final Application is not Accurate

No

The final 1003 is missing a two year housing history for both borrowers.

5.30.17 Lender response Two year housing history for both borrowers attached. 1003 - final Loan Application, page 4 (attached) reflects prior two year address history; letter of explanation from borrower provided. Underwriting loan notes indicate borrowers lease was up on XXXXXX so they moved in with a friend at XXXXXX until the subject transaction closed.

5.30.17 Exception satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been employed in the same profession for 11 years each CFCFS2860: Good credit history - Clayton Comments: Borrowers have a good credit history and good use of credit. Borrowers have one collection account in the last 24 months, however, nothing in the most recent 12 months. Balance is $122, Per guidelines it does not have to be paid off. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 32+ months verified cash reserves after closing CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.71% is below guideline requirement of 43% by 11.29 points

Complete

0023634811

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

C

B

D

B

CD

CB

VD

VA

RC

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The Loan Officer's name as it appears on the 1003, Note and Deed of Trust XXX does not match the NMLS website XXX

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been employed in the same profession for 11 years each CFCFS2860: Good credit history - Clayton Comments: Borrowers have a good credit history and good use of credit. Borrowers have one collection account in the last 24 months, however, nothing in the most recent 12 months. Balance is $122, Per guidelines it does not have to be paid off. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 32+ months verified cash reserves after closing CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.71% is below guideline requirement of 43% by 11.29 points

Complete

0023634811

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

C

B

D

B

CD

CB

VD

VA

RC

RB

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

Borrower1-Missing copy of current, unexpired, H1B visa. Missing I-797 (updated VISA application).

5.30.17 Lender provided -797 forms which show Visa's are still valid.

5.30.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been employed in the same profession for 11 years each CFCFS2860: Good credit history - Clayton Comments: Borrowers have a good credit history and good use of credit. Borrowers have one collection account in the last 24 months, however, nothing in the most recent 12 months. Balance is $122, Per guidelines it does not have to be paid off. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 32+ months verified cash reserves after closing CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.71% is below guideline requirement of 43% by 11.29 points

Complete

0023634811

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

C

B

D

B

CD

CB

VD

VA

RC

RB

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH104

Credit score below guidelines

No

Borrower 1 is the primary wage earner and a foreign national with a qualifying credit score of 675. Per Guidelines minimum credit score allowed for foreign nationals is 700. Low score due to 1x30 & 3x60 on revolving credit accounts 9/15 + 12/15.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been employed in the same profession for 11 years each CFCFS2860: Good credit history - Clayton Comments: Borrowers have a good credit history and good use of credit. Borrowers have one collection account in the last 24 months, however, nothing in the most recent 12 months. Balance is $122, Per guidelines it does not have to be paid off. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 32+ months verified cash reserves after closing CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.71% is below guideline requirement of 43% by 11.29 points

Complete

0023634811

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

C

B

D

B

CD

CB

VD

VA

RC

RB

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

0x30x12 VOR is req'd per GL's and is missing. Requested on UW summary.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been employed in the same profession for 11 years each CFCFS2860: Good credit history - Clayton Comments: Borrowers have a good credit history and good use of credit. Borrowers have one collection account in the last 24 months, however, nothing in the most recent 12 months. Balance is $122, Per guidelines it does not have to be paid off. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 32+ months verified cash reserves after closing CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.71% is below guideline requirement of 43% by 11.29 points

Complete

0023634811

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

C

B

D

B

CD

CB

VD

VA

RC

RB

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxxxxx.

5.5.17 Desk Review received value at $xxxxxx dated 5.5.17, value supported.

5.5.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been employed in the same profession for 11 years each CFCFS2860: Good credit history - Clayton Comments: Borrowers have a good credit history and good use of credit. Borrowers have one collection account in the last 24 months, however, nothing in the most recent 12 months. Balance is $122, Per guidelines it does not have to be paid off. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 32+ months verified cash reserves after closing CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.71% is below guideline requirement of 43% by 11.29 points

Complete

0023634811

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

C

B

D

B

CD

CB

VD

VA

RC

RB

Property Valuations

Property

Satisfied

D

A

VD

VA

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Missing WF/PERS condo property approval and/or Condo Cert and Budget. Per UW summary this has been requested, just not provided in file.

5.26.17 - Lender provided clarification on policy and additional questionnaire is not necessary per guidelines.

5.26.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrowers have been employed in the same profession for 11 years each CFCFS2860: Good credit history - Clayton Comments: Borrowers have a good credit history and good use of credit. Borrowers have one collection account in the last 24 months, however, nothing in the most recent 12 months. Balance is $122, Per guidelines it does not have to be paid off. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 32+ months verified cash reserves after closing CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.71% is below guideline requirement of 43% by 11.29 points

Complete

0587895180

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Trade lines Does Not Meet Guideline Requirements. Per guide lines 3 trade lines are required, however borrower only has 2 as XXX trade line opened XXX/2015 (< 2 years) and Note signing date XXX. In addition, Borrower living rent free with Parents after selling previous Mortgage however has 84 months VOM history.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The median credit score of 803 is 123 more points than minimum required score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxx for 6.33 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI of 27.19% is 15.81% less than the maximum DTI of 43.00%.

Complete

0642653306

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

CA

CA

VD

VA

RC

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not in file

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 15 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 751 exceeded the guideline requirement of 680 by 71 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Complete

0642653306

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

CA

CA

VD

VA

RC

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

RC

RA

CMPTRID3564

TRID - There is at least one revised Loan Estimate or Closing Disclosure containing a change that is not documented or supported in the file

No

LE 4/14/17 has been re-disclosed but without the reason(s) for the re-disclosure documented sufficiently in file

5.30.17 Lender provided screen printout with borrower's email of rate being locked and extended on xx/xx/xxxx. This is reason for re-disclosure of LE on xx/xx/xxxx.

5.30.17 exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 15 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 751 exceeded the guideline requirement of 680 by 71 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Complete

0642653306

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

CA

CA

VD

VA

RC

RB

Property Valuations

Property

Satisfied

D

A

VD

VA

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Missing Condo Questionnaire.

5.26.17 - Lender provided clarification on policy and additional questionnaire is not necessary per guidelines.

5.26.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 15 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 751 exceeded the guideline requirement of 680 by 71 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Complete

0481414401

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

N/A

A

N/A

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing proof of royalty income to continue for 5 years as required per guidelines and 12 months proof of receipt of royalty income.

05.18.17 Lender provided a copies of the 1099 for 2 years and 12 months bank statements showing proof of receipt of royalty income.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $84,292.07. Statements in file supported assets of $423,235.32 with reserves of $307,663.14.12 months reserves required or $51,682.56 ($4,306.88 x 12). CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower receives additional income from business sold that is not being used. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time in profession for 30 years.

Client Complete

0481414401

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Missing proof of royalty income to continue for 5 years as required per guidelines and 12 months proof of receipt of royalty income.

05.18.17 Lender provided a copies of the 1099 for 2 years and 12 months bank statements showing proof of receipt of royalty income.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $84,292.07. Statements in file supported assets of $423,235.32 with reserves of $307,663.14.12 months reserves required or $51,682.56 ($4,306.88 x 12). CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower receives additional income from business sold that is not being used. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time in profession for 30 years.

Client Complete

0481414401

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL100

Legal document incorrect or incomplete

No

Provide documentation to support B1 sale of Schedule C business xxxxx.

05.18.17 Lender provided a copy of the Note of sale of the xxxxx with a 10 year term starting in 2013.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $84,292.07. Statements in file supported assets of $423,235.32 with reserves of $307,663.14.12 months reserves required or $51,682.56 ($4,306.88 x 12). CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower receives additional income from business sold that is not being used. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time in profession for 30 years.

Client Complete

0065848808

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.46% DTI, max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $112,387.49. Statements in file supported assets of $214,261.59 with reserves of $72,341.64.12 months reserves required for the subject property ($2,783.52 x 12= $33,402.24) and 6 months PITIA reserves required for xxxxx ($1,491.03 x 6 =$8,946.18) totaling $42,348.42 total reserves required. CFCFS1750: High potential for increased earnings - Clayton Comments: Borrower to rent out exiting property and has had increasing salary and bonus year over year.

Client Complete

0599831302

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC191

Missing Mortgage

No

Missing Mortgage Deed dated xxxxx.

5.24.17 Lender provided mortgage & rider.

5.24.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score is 801 CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 30 years in his profession.

Client Complete

0599831302

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2700

RESPA - List of homeowners counseling organizations not provided w/in 3 days of application

No

List of homeowners counseling organizations dated 2/9/17 initial application dated xxxxx

5.24.17 Lender provided internal documentation of application date as xxxxx.

5.24.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score is 801 CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 30 years in his profession.

Client Complete

0599831302

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers in file dated 2/9/17

5.24.17 Lender provided internal documentation of application date as xx/xx/xxxx.

5.24.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score is 801 CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 30 years in his profession.

Client Complete

0599831302

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID4299

TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD

No

The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different ($67,610.00) from the value disclosed on the last LE ($69,653).

xx/xx/xxxx- Lender provided copy of latest LE

5.30.17-condition satisfied

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score is 801 CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 30 years in his profession.

Client Complete

0599831302

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID4309

TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD

No

The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different ($361,280.00) from the value disclosed on the last LE ($363,323).

xx/xx/xxxx-Lender provided latest LE

5.30.17-condition satisfied

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score is 801 CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 30 years in his profession.

Client Complete

0599831302

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

RC

RA

CMPTRID3552

TRID - Loan Estimate not timely

No

TRID Application Date, xxxxx LE dated xx/xx/xxxx

5.24.17 Lender provided internal documentation of application date as xx/xx/xxxx.

5.24.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score is 801 CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 30 years in his profession.

Client Complete

0599831302

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Assets

Satisfied

D

A

CD

CA

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing January 2017 Bank Statement for xxxxx accounts xxxxx.

5.30.17 - Client provide the January 2017 Bank Statement for xxxxx accounts xxxxx.

5.30.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score is 801 CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 30 years in his profession.

Client Complete

0242023875

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing verification of HOI premium for REO property on xxxxx.

5.10.17 - Lender provided verification for HOI premium.

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been the xxxxx for 25 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed as the xxxxx for 29 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have occupied the subject property for 14 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.33%, max per G/L is 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 803, minimum requirements per G/L is 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified post closing reserves of $1,310,620.08 or 431.76 months PITI, 12 months required ($3038.24 X 12=$36,458.88).

Client Complete

0242023875

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH183

Credit report incomplete

No

Credit report in file with numerous accounts illegible and pages missing. Provide a complete, legible copy of the credit report.

5.10.17 - Lender provided legible copy.

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been the xxxxx for 25 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed as the xxxxx for 29 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have occupied the subject property for 14 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.33%, max per G/L is 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 803, minimum requirements per G/L is 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified post closing reserves of $1,310,620.08 or 431.76 months PITI, 12 months required ($3038.24 X 12=$36,458.88).

Client Complete

0242023875

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Missing HOI declarations page for subject property. Figures used from final 1003 for qualifying purposes.

5.10.17 - Lender provided their Step Saver documentation and it confirms coverage amount, premium and coverage dates.

5.10.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been the xxxxx for 25 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed as the xxxxx for 29 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have occupied the subject property for 14 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.33%, max per G/L is 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 803, minimum requirements per G/L is 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified post closing reserves of $1,310,620.08 or 431.76 months PITI, 12 months required ($3038.24 X 12=$36,458.88).

Client Complete

0042711402

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 37.18%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 798; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been a xxxxx for 19.50 years.

Client Complete

0360131921

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP2658

Missing 3rd-party anti-fraud report

No

File is missing a 3rd-party anti-fraud report.

7.12.17 Client provided third party anti-fraud report with no major alerts.

7.12.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 798 exceeded the guideline requirement of 680 by 118 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 8.01 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.46% LTV is 11.54% less than the maximum program LTV of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 21.59 months PITI. 12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.91% DTI is below the maximum allowed DTI of 43%.

Complete

0857797941

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH183

Credit report incomplete

No

Provide the full, completed credit report dated 01/19/2017 as only a partial credit report is located in the file with some pages printed over other pages ***took liabilities from the Final 1003- additional exceptions may apply to DTI

05.18.17 Lender provided a copy of the CBR dated 01/19/2017 complete with all pages.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with the current Employer for 8.40 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers' at current residence for 7.83 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $74,037.12 or 22.41 months PITIA reserves. 12 months PITIA required for the subject property ($3,303.29 x 12= $39,639.48), 6 months PITIA required for the departing residence ($1,396.42 x 6 = $8,378.52) totaling $48,018.00 total reserves required.

Client Complete

0857797941

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Missing Credit Report.

05.18.17 Lender provided a copy of the CBR dated 01/19/2017 complete with all pages.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with the current Employer for 8.40 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers' at current residence for 7.83 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $74,037.12 or 22.41 months PITIA reserves. 12 months PITIA required for the subject property ($3,303.29 x 12= $39,639.48), 6 months PITIA required for the departing residence ($1,396.42 x 6 = $8,378.52) totaling $48,018.00 total reserves required.

Client Complete

0857797941

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR3278

Hazard Insurance documentation in file is incomplete

No

Missing Coverage information; the declaration Page is the file.

05.18.17 Lender provided a copy of the HOI dec page with the coverage amount present.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with the current Employer for 8.40 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers' at current residence for 7.83 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $74,037.12 or 22.41 months PITIA reserves. 12 months PITIA required for the subject property ($3,303.29 x 12= $39,639.48), 6 months PITIA required for the departing residence ($1,396.42 x 6 = $8,378.52) totaling $48,018.00 total reserves required.

Client Complete

0232987763

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Assets

Satisfied

D

A

CD

CA

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing one month Bank Statement Jan 2017 for XXX acct# XXX and XXX.

5.30.17 Lender response No Jan 2017 statement(s) were required. Per lender guidelines, a 10-day variance is allowed. Extension Expiration Date approval 4/09/2017 for bank statements attached.

5.30.17 Exception satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 25 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 727 exceeded the guideline requirement of 680 by 47 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: CD required funds to close of $8,565.88.Statements in file supported assets of $548,328.25 with reserves of $539,762.37 with 12 months reserves required with a loan amount <$2MM< 80% LTV ($8,024.27 x 12 = $96,291.24) for a total of $96,291.24 reserves required.Borrower has Remaining $ 443,471.11 in reserves.

Client Complete

0834258737

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xx/xx/xxxx Closing Costs Financed (Paid from your loan amount) shows $8619.09 whereas review verified it should be $7949.15.Non-Numerical ErrorCan be satisfied non-material with client consent to legacy TILA Cure 130(B), corrected post close CD, LOX and verification sent to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 credit score; minimum required is 720. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for 10 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8.17 years self-employment. CFCFS1737: LTV below guideline requirements - Clayton Comments: The loan closed with an LTV of 36.19% and the max LTV was 75.00%.

Complete

0834258737

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

$14.94 Zero Tolerance due to increase in credit report fee from Loan Estimate to Final Cd without a valid change of circumstance documented in the file.Cure provided on final CD.Downgraded and satisfied non-material.

(No Data)

5.4.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 credit score; minimum required is 720. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for 10 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8.17 years self-employment. CFCFS1737: LTV below guideline requirements - Clayton Comments: The loan closed with an LTV of 36.19% and the max LTV was 75.00%.

Complete

0290594425

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

CD

CB

VA

VA

RD

RA

Compliance

Documentation

Satisfied

B

A

RB

RA

CMPDOC2514

Mortgage/Deed of Trust has not been recorded and/or sent for recording

No

Deed of trust is missing proof of recordation

5.30.17 - Client provided the fully executed copy of the Mortgage.

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.90% DTI; max per guidelines is 40% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $176,344.23. Statements in file supported assets of $333,235.94 with reserves of $108,593.21. 12 months reserves required or $44,315.28 ($3,692.94 x 12). CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has more than 10 years in current position.

Complete

0290594425

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

CD

CB

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Provide fully executed copy of the Mortgage.

5.30.17 - Client provided the fully executed copy of the Mortgage.

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.90% DTI; max per guidelines is 40% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $176,344.23. Statements in file supported assets of $333,235.94 with reserves of $108,593.21. 12 months reserves required or $44,315.28 ($3,692.94 x 12). CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has more than 10 years in current position.

Complete

0290594425

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

CD

CB

VA

VA

RD

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP157

Application Not Signed by Primary Borrower

No

Provide final application signed by the borrower.

5.30.2017 - Client provided the final application signed by the borrower.

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.90% DTI; max per guidelines is 40% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $176,344.23. Statements in file supported assets of $333,235.94 with reserves of $108,593.21. 12 months reserves required or $44,315.28 ($3,692.94 x 12). CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has more than 10 years in current position.

Complete

0290594425

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

CD

CB

VA

VA

RD

RA

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Provide verification of rent reflecting 0x30 for the last 12 months.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.90% DTI; max per guidelines is 40% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $176,344.23. Statements in file supported assets of $333,235.94 with reserves of $108,593.21. 12 months reserves required or $44,315.28 ($3,692.94 x 12). CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has more than 10 years in current position.

Complete

0290594425

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

CD

CB

VA

VA

RD

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL100

Legal document incorrect or incomplete

No

Provide fully executed copy of the PUD Rider.

5.30.17 - Client provided the fully executed copy of the PUD Rider.

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.90% DTI; max per guidelines is 40% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $176,344.23. Statements in file supported assets of $333,235.94 with reserves of $108,593.21. 12 months reserves required or $44,315.28 ($3,692.94 x 12). CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has more than 10 years in current position.

Complete

0962875471

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file.

05.15.17 Lender provided a copy of the HOCL.

05.15.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $158,051.36 or 54.63 months PITI reserves. Guidelines require 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 credit score; minimum required is 720. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 14 years.

Client Complete

0962875471

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

05.15.17 Lender provided a copy of the service provider.

05.15.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $158,051.36 or 54.63 months PITI reserves. Guidelines require 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 credit score; minimum required is 720. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 14 years.

Client Complete

0040322661

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV below 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has ample liquid reserves. CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit with little debt owed. CFCFS1750: High potential for increased earnings - Clayton Comments: Borrower just starting his career as a XXX. Will make more income as he progresses.

Client Complete

0196450921

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Loan Officers name XXX is not an exact match to the NMLS verification of XXX.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 18 mths PITI reserves required ($74,678.22) Borrowers have $944,556.72/ 191.87 mths PITI non-retirement assets in post-closing reserves. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit with 795/795, meeting the 720 credit score requirement for the loan.

Client Complete

0408372459

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

C

A

B

B

D

B

CD

CA

VC

VB

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer’s name on the Note, Mortgage, and the 1003 is XXX. The NMLS database verified the loan officer’s name as XXX. The Reg-Z requirement is for the Originator’s name to match the NMLS website exactly.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 22 years with current employer CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit with very little revolving debt outstanding. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $677,514.50 or 170.93 months, subject PITI in reserves; per guidelines, 12 mo. PITI reserves required.

Complete

0408372459

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

C

A

B

B

D

B

CD

CA

VC

VB

RB

RB

Credit

Legal Documents

Satisfied

B

A

CB

CA

CRDLGL2550

Missing HUD-1 from sale of property

No

HUD for departure residence in file, however, missing signature from settlement agent and/or borrower. Required per xxx guidelines as proceeds from sale of departure were used for subject purchase.

5.21.17 Lender provided executed Hud for departure residence

5.21.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 22 years with current employer CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit with very little revolving debt outstanding. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $677,514.50 or 170.93 months, subject PITI in reserves; per guidelines, 12 mo. PITI reserves required.

Complete

0408372459

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

C

A

B

B

D

B

CD

CA

VC

VB

RB

RB

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL137

Missing copy of 2nd lien Note (subject is 1st lien)

No

Missing copy of Note for subordinate HELOC with a credit line of $XXX and a current balance of $xxx; unable to confirm term, rate and monthly payment.

5.21.17 Lender provided subordinate Heloc note with terms.

5.21.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 22 years with current employer CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit with very little revolving debt outstanding. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $677,514.50 or 170.93 months, subject PITI in reserves; per guidelines, 12 mo. PITI reserves required.

Complete

0408372459

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

C

A

B

B

D

B

CD

CA

VC

VB

RB

RB

Property Valuations

Value

Satisfied

C

A

VC

VB

PRVAVALU153

Value Not Supported

No

5.22.2017 Field Review Ordered.

5.26.17 Field Review received valued at $xxxxxx, value supported.

5.26.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 22 years with current employer CFCFS2860: Good credit history - Clayton Comments: Borrower has excellent credit with very little revolving debt outstanding. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $677,514.50 or 170.93 months, subject PITI in reserves; per guidelines, 12 mo. PITI reserves required.

Complete

0378811430

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS has middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 77.15 months of PITI reserves. 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 representative score exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has with same employer for 7.43 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.78% LTV is 8.22% less than the maximum program LTV of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.76% DTI is below the maximum allowed DTI of 43%.

Client Complete

0378811430

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Homeowners Counseling Disclosure is missing from file.

5/15/17 - HOC List provided Dated 2/7

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 77.15 months of PITI reserves. 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 representative score exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has with same employer for 7.43 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.78% LTV is 8.22% less than the maximum program LTV of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.76% DTI is below the maximum allowed DTI of 43%.

Client Complete

0378811430

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Service Providers List missing from file.

5/15/17 - SPL provided Dated 2/7

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 77.15 months of PITI reserves. 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 representative score exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has with same employer for 7.43 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.78% LTV is 8.22% less than the maximum program LTV of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.76% DTI is below the maximum allowed DTI of 43%.

Client Complete

0320662342

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

1) File is missing more recent YTD paystub within 120 days of the note and showing current receipt of bonus income. Most recent paystub in file is dated 12/24/16, Note date is xxx. 2) Missing evidence of the PITIA for the property located in xxxxxxxxx. Used lender amount of $621.78 to qualify. Credit report shows payment of $582 US, however it does not specify if it includes taxes and insurance.

7.18.17 - 1) Lender's rebuttal: Lender's credit policy permits up to a 10-day variance to the maximum age of documents. Paystub expiration date was extended to 05-08-2017 (attached); note is dated xxx. Clayton response: Lender indicated expiration date was extended and is attached but no attachment extending and 135 days from 12/24/16 to 5/8/17 which would exceed a max of 130 with a 10 day variance allowed. Also need evidence of receipt of bonus income. 2) 7.18.17 - Lender provided evidence of PITIA for xxxxxxxxx property. 7.20.17 - Paystub issue date is 12/29/16 and meets the 130 days as variance allowed. Bonus income is supported by LOX from employer verifying bonus amounts which meets appendix Q.

7.20.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 738 is 58 points above the required score of 680 for 56.69% LTV. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.69% is 24.81% lower than the maximum LTV of 80% with credit score of 738. CFCFS2854: Significant time in profession - Clayton Comments: Has been in her profession for 11 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 51.44 months PITIA reserves. 18 months required.

Complete

0320662342

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing evidence of the PITIA for the property located in xxxxxxxxx. Used lender amount of $621.78 to qualify. Credit supplement shows payment of $582 US, but does not specify if that includes taxes and insurance.

7.18.17 - Lender provided conversion used which it calculates to .705 of xxxxxxxxx dollar to US. $806 + $14.45 month haz and $43.33 a month taxes = $863.78 x .705=$608.97. Used lender's $621.78.

7.18.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 738 is 58 points above the required score of 680 for 56.69% LTV. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.69% is 24.81% lower than the maximum LTV of 80% with credit score of 738. CFCFS2854: Significant time in profession - Clayton Comments: Has been in her profession for 11 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 51.44 months PITIA reserves. 18 months required.

Complete

0320662342

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2408

Income verification does not meet guidelines

No

File is missing more recent YTD paystub within 120 days of the note and showing current receipt of bonus income. Most recent paystub in file is dated 12/24/16, Note date is xxx.

7.18.17 - Lender's rebuttal: Lender's credit policy permits up to a 10-day variance to the maximum age of documents. Paystub expiration date was extended to 05-08-2017 (attached); note is dated xxx. Clayton response: Lender indicated expiration date was extended and is attached but no attachment extending and xxx days from 12/24/16 to 5/8/17 which would exceed a max of 130 with a 10 day variance allowed. Also need evidence of receipt of bonus income. 7.20.17 - Paystub issue date is 12/29/16 and meets the 130 days as variance allowed. Bonus income is supported by LOX from employer verifying bonus amounts. Evidence of bonus income is in file page 653

7.20.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 738 is 58 points above the required score of 680 for 56.69% LTV. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.69% is 24.81% lower than the maximum LTV of 80% with credit score of 738. CFCFS2854: Significant time in profession - Clayton Comments: Has been in her profession for 11 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 51.44 months PITIA reserves. 18 months required.

Complete

0667911287

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

B

A

A

A

B

A

CA

CA

VB

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/17- Severe Winter Storms, Flooding, and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.22.17 Post Disaster Inspection confirm no damages to property.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 742. Minimum allowed 680. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower receives pension income that was not included in qualifying CFCFS3836: Borrower Net Worth - Clayton Comments: Borrower owns primary residence free and clear and has ample assets in investments and retirement. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.80% < maximum DTI of 43%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided in their primary residence for 43 years.

Client Complete

0745219020

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Provide desk review.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $90,342.94 or 24.17 months PIT reserves. Guidelines require 12 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 11 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.01% DTI is below the maximum allowed DTI of 43%.

Client Complete

0352821349

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

A

A

A

B

B

CB

CB

VB

VA

RA

RA

Credit

DTI

Active

B

B

CB

CB

CRDDTI105

Debt Ratio Exception 5% or Less

No

Housing ratio 40.66%; max per guidelines is 36%.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified cash reserves of $1,178,100.69 or 224.30 months PITI; per guidelines, 12 months PITI required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 41.26%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 783; minimum required credit score per guidelines is 680.

Complete

0352821349

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

A

A

A

B

B

CB

CB

VB

VA

RA

RA

Credit

Income/Employment

Satisfied

B

B

CB

CB

CRDINC126

Length of employment/self-employment does not meet guidelines

No

The Borrower has been only been employed with current employer for 1 year and 2 months. The Borrower's hire date with XXX was on XXX; guidelines require 2 year employment history or LOX for gap; Borrower was previously in college and received his Masters degree on XXX.

5.25.17 Lender provided LOX for gap in employment

5.25.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified cash reserves of $1,178,100.69 or 224.30 months PITI; per guidelines, 12 months PITI required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 41.26%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 783; minimum required credit score per guidelines is 680.

Complete

0352821349

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

A

A

A

B

B

CB

CB

VB

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/2017- Severe Winter Storms, Flooding, and Mudslides. XXX grades “FEMA: Natural Disaster Area, no subsequent inspection (Public)” as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.20.17 Post Disaster Inspection confirm no damages to property.

5.20.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has verified cash reserves of $1,178,100.69 or 224.30 months PITI; per guidelines, 12 months PITI required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 41.26%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 783; minimum required credit score per guidelines is 680.

Complete

0404729966

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

1. Missing verification of all components of REO properties, XXX, Apt XXX and XXX. Missing a copy of the current hazard insurance policy, current year tax bill/information and current proof of monthly HOA assessments.

05.16.17 Lender provided a copy of the hazard insurance policy, current year tax bill/information on current mortgage statement showing taxes are escrowed for XXX, Apt XXX this is a condo borrower provided the master policy info included on mtg stmnt. Bank stmnt provided borrower to identify the HOA payment on statement. 6.1.17 - Lender provided a copy of the schedule E for XXX.

6.1.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 70%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 808; minimum required credit score per guidelines is 680.

Client Complete

0404729966

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer’s name on the Note, Mortgage, and the 1003 is XXX. The NMLS database verified the loan officer’s name as XXX and XXX. The Reg-Z requirement is for the Originator’s name to match the NMLS website exactly.

5.9.17 Client WFHL approved to waive issues related to exact name matching on NMLS.

5.9.17 Final Grade B.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 70%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 808; minimum required credit score per guidelines is 680.

Client Complete

0404729966

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Missing 12 mo. payment history for the REO properties, XXX , Apt XXX and XXX.; credit report reflects 1 open Mortgage with xxxxx Mortgage with 0 x 30, however, no evidence in file to support which property is secured by that mortgage; 12 months payment history is required for each.

05.25.2017 - Lender responded that a 12 month history (VOM) for both REO properties is reflected on the Credit Report; trade 1 xxxxx Mortgage (0x30), trade 2 xxxxx (0x30). Credit report reflects 0x30 for 16 months and 0x30 for 48 months for the two mortgages respectively.

05.25.2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 70%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 808; minimum required credit score per guidelines is 680.

Client Complete

0404729966

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of all components of REO properties, XXX, Apt XXX and XXX. Missing a copy of the current hazard insurance policy, current year tax bill/information and current proof of monthly HOA assessments.

05.16.17 Lender provided a copy of the hazard insurance policy, current year tax bill/information on current mortgage statement showing taxes are escrowed for XXX, Apt XXX this is a condo borrower provided the master policy info included on mtg stmnt. Bank stmnt provided borrower to identify the HOA payment on statement. 6.1.17 - Lender provided a copy of the schedule E for XXX.

6.1.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 70%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 808; minimum required credit score per guidelines is 680.

Client Complete

0404729966

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Property Valuations

Property

Satisfied

D

A

VD

VA

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Missing HOA Certificate/Questionnaire for the subject property.

05.25.2017 - Lender responded that HOA Cert/Questionnaire was not required. Lender stated that this is a Streamlined project review (approval) and only an Individual Condominium Appraisal Report (Form 465) was required. Exception remains as neither the loan approval or the Transmittal Summary I(project classification section) identifies the project as approved through streamlined review.5.26.17 - Lender provided clarification on policy and additional questionnaire is not necessary due to being a streamline review.

5.26.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 70%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 808; minimum required credit score per guidelines is 680.

Client Complete

0037395348

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Homeowners counseling disclosure not in file

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 6.42 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 credit score; minimum required is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.64% DTI is below the maximum allowed DTI of 43%.

Client Complete

0037395348

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Service Providers list missing from file

5/15/17 - Lender provided SPL disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 6.42 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 credit score; minimum required is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.64% DTI is below the maximum allowed DTI of 43%.

Client Complete

0775461823

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

Closing Costs Paid Before Closing were included in the lender's amount of Closing Costs Financed.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.08% DTI; max per guidelines is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments: 36.28% LTV; max per guidelines is 70%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $0. Statements in file supported assets of $88,766.66 with 28.23 months reserves of $88,766.66.12 months reserves required or $37,731.72 ($3,144.31 x 12).

Complete

0775461823

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

SPL dated XXX exceeds 3 business days of the initial 1003 dated xxx.

5/9/17: Lender provided SPL dated 2/13/17.

5/9/1: Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.08% DTI; max per guidelines is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments: 36.28% LTV; max per guidelines is 70%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $0. Statements in file supported assets of $88,766.66 with 28.23 months reserves of $88,766.66.12 months reserves required or $37,731.72 ($3,144.31 x 12).

Complete

0064675078

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

CD

CB

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

D

B

CD

CB

CRDINC3204

Income Documentation Missing

No

Provide the fully executed Initial 4506-T as the document in the file is blank.

6.1.2017 lender response This is a relocation loan and per xxx guidelines, all borrowers to execute IRS Form 4506T at loan closing. An initial 4506T not required.

6.1.2017 exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 22.29%; guideline maximum is 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with the current Employer for 17.36 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's median credit score of 758 is < minimum required score of 680.

Client Complete

0098076751

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 803 is 103 points above the required score of 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 67.61% is 12.39% lower than the maximum LTV of 80%. CFCFS2854: Significant time in profession - Clayton Comments: Has been in his profession for xxx years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Requires 12 months, mortgaged rated 84 months with 3x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified effective assets of $968,960.27; CD Required $265,036.19 for closing with reserves of $683,924.08; per guidelines 18 months PITIA required or $57,031.02.

Complete

0877257728

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 728; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 31.63%; max allowed DTI per guidelines is 43%.

Client Complete

0409057536

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Missing copy of HOI policy; copy provided is an Insurance Quote and does not match the premium reflected on the final CD.

05.11.17 Lender provided a copy of the HOI

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.67% DTI; max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $116,021.41. Statements in file supported assets of $218,923.89 with reserves of $94,900.54. 12 months reserves required or $35,656.68 ($2,971.39 x 12). CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has more than 10 years in current position.

Client Complete

0907234161

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

CA

CA

VD

VA

RC

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS has middle name.

5.22.17 - Client provided exception approval to accept NMLS name variation.

5.22.17 - Non-material exception

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 784 is 104 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 20.39% below the maximum DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves in file of $220,164.57 or 57.91 months PITI. Requires 12 months reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.59 years.

Client Complete

0907234161

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

CA

CA

VD

VA

RC

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations is missing from the file.

5.15.17-HOC list provided

5.15.17- Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 784 is 104 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 20.39% below the maximum DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves in file of $220,164.57 or 57.91 months PITI. Requires 12 months reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.59 years.

Client Complete

0907234161

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

CA

CA

VD

VA

RC

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers is missing from the file.

5.15.17- SPL provided

5.15.17-condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 784 is 104 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 20.39% below the maximum DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves in file of $220,164.57 or 57.91 months PITI. Requires 12 months reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.59 years.

Client Complete

0907234161

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

CA

CA

VD

VA

RC

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

RC

RA

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Disclosure Worksheet shows Initial CD 011 sent by email xx/xx/xxxx and received xx/xx/xxxx. No CD in File with Sequence 011 issued xx/xx/xxxx

5.15.17-Lender provided CD xx/xx/xxxx with evidence of electronic delivery viewed same day

5.15.17-condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 784 is 104 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 20.39% below the maximum DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves in file of $220,164.57 or 57.91 months PITI. Requires 12 months reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.59 years.

Client Complete

0907234161

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

CA

CA

VD

VA

RC

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

File is missing CDA supporting appraised value of $XXX.

5.8.17 Desk Review received valued at $xxx dated 5/8/17, value supported.

5.8.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 784 is 104 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 20.39% below the maximum DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves in file of $220,164.57 or 57.91 months PITI. Requires 12 months reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.59 years.

Client Complete

0686608465

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing 3rd party valuation supporting the original appraised value of $xxxxxx

5.22.17 Desk review received valued at xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $1,196,330.26 or 358.77 months PITI reserves. Guidelines require 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 credit score; minimum required is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.58% DTI is below the maximum allowed DTI of 43%.

Client Complete

0369370925

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

D

A

A

A

D

A

CC

CA

VD

VA

RA

RA

Credit

Potential Misrepresentation

Satisfied

C

A

CC

CA

CRDPMR1799

Potential misrepresentation of occupancy

No

The Borrower's primary residence is located in XXX, XX which is approximately 1.2 miles away from the subject property, which is located in XXX, XXX. The loan transaction closed with an Occupancy status of "Second Home".

5.31.17 - Client provided verification of the subject being a Second Home

5.31.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 769; minimum required credit score per guidelines for an Investment property is 740. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 23.53%; max allowed DTI for an Investment property is 38%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been xxxxx at XXX for over 15 years.

Client Complete

0369370925

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

D

A

A

A

D

A

CC

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing 3rd part valuation supporting the original appraised value of $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 769; minimum required credit score per guidelines for an Investment property is 740. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 23.53%; max allowed DTI for an Investment property is 38%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been xxxxx at XXX for over 15 years.

Client Complete

0963265142

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing 3rd party valuation supporting the original appraised value of $xxxxxx

5.26.17 Desk Review received valued at $xxxxxx dated 5.26.17, value supported.

5.26.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $212,390.07 or 49.60 months PITI reserves. Guidelines require 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.16% DTI, max per guidelines is 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 12.80 years.

Client Complete

0012601618

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing written list of service providers.

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for over 5yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 11yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 15yrs.Co Borrower has been in current profession for 10yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 25 months PITI cash reserves available. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 27.25%, maximum per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 793, minimum score required is 680.

Client Complete

0012601618

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing written list of service providers.

5/15/17 - Lender provided SPL disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for over 5yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 11yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 15yrs.Co Borrower has been in current profession for 10yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 25 months PITI cash reserves available. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 27.25%, maximum per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 793, minimum score required is 680.

Client Complete

0073169857

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

CD

CA

VB

VA

RA

RA

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC150

Income docs do not meet guidelines

No

Missing a signed 4506T at the time of initial application

05.18.17 Lender provided a copy of the e-signed initial 4506t.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 7 years at their current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 796 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 19.17% is below Program Guidelines of 43.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 49.43% is below Program Guidelines of 80.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years in their profession.Co-Borrower has 15 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 98 months PITI reserves; guidelines require 6 months

Client Complete

0073169857

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

CD

CA

VB

VA

RA

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL100

Legal document incorrect or incomplete

No

Missing the lenders Underwriter Decision Summary

05.18.17 Lender provided a copy of the Underwriter Decision Summary.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 7 years at their current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 796 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 19.17% is below Program Guidelines of 43.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 49.43% is below Program Guidelines of 80.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years in their profession.Co-Borrower has 15 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 98 months PITI reserves; guidelines require 6 months

Client Complete

0073169857

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

CD

CA

VB

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/2017 - Severe Winter Storms, Flooding and Mudslides-. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.13.17 Post Disaster Inspection confirm no damages to property.

5.13.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 7 years at their current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 796 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 19.17% is below Program Guidelines of 43.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 49.43% is below Program Guidelines of 80.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years in their profession.Co-Borrower has 15 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 98 months PITI reserves; guidelines require 6 months

Client Complete

0338171342

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Compliance Manual

Active

B

B

RB

RB

CMPMAN2990

1003 - Final Application is not Accurate

No

Provide an updated Final loan application for the Co-Borrower to update the dates of employment as Final 1003 has incorrect employment dates. XXX overlap- Hired XXX. The 1003 indicates she was with XXX until xxx.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxxxx for 12.80 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 761 is 81 points above the required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 69.23% is 10.77% lower than the maximum LTV of 80%.

Complete

0825362700

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $89,015.91 or 22.14 months PITI reserves. Guidelines require 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for 6.08 years.. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.75 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 20 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 37.04%, maximum per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 credit score; minimum required is 720.

Client Complete

0037588410

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.49% below max allowed of 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: No xxx reporting with mortgage payment history on credit report. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for xxx years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in the subject for xxx years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 756 is 76 points above minimum program requirement of 680.

Complete

0018027626

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 63.33 months reserves exceeds guideline requirement of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 credit score exceeds guideline minimum of 680 by 47 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.77% DTI is below guideline maximum of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 17.82 years.

Client Complete

0031856583

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Assets

Active

B

B

CB

CB

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Borrower has reserves of $52,016.08 which is 11.58 months of PITI reserves Guidelines for jumbo loans under $2 million on primary residence require 12 months reserves. Exception approval in file.

5.26.17 Lender states "LVAM tracking approved - Non-HFI 3 mo PCL Reduction. This tracking was approved under the PCO delegated authority." Non-material exception.

5.26.17 exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for over 5 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: The loan closed with an DTI of 28.10% and the max LTV was 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 credit score. Minimum required is 680.

Complete

0550644838

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico score 783 exceeds guidelines requirements of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: The loan closed with an DTI of 28.91% and the max LTV was 43%. CFCFS2860: Good credit history - Clayton Comments: Borrowers have over 84 months of credit history with no lates.

Client Complete

0380145167

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

A

A

C

B

CB

CB

VC

VA

RA

RA

Credit

DTI

Active

B

B

CB

CB

CRDDTI105

Debt Ratio Exception 5% or Less

No

2.82% housing ratio shortfall. The front end ratio of 38.82% is 2.82% > maximum allowed of 36.00%.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $491,083.66 or 84.33 months PITIA reserves. 12 months PITIA required for the subject property ($5,823.03 x 12 = $69,876.36) total reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 777 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 13 years in current profession.

Complete

0380145167

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

A

A

C

B

CB

CB

VC

VA

RA

RA

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Provide the Verbal VOE for the previous employer as Borrower's start date on the current job is xxx from the Note signing date of xxx. The Final 1003 shows previous employer termination date of xxx. Guidelines require 2 year's verification of employment history.

(No Data)

04.27.17 Income / employment was verified with an executed offer letter form new employer, 24 months of W-2s and a paystub to verify previous employment history, and IRS transcripts for previous 24 months. Compensating factors 24 months of PITI reserves, and 777 qualifying score. Non-material exception level B.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $491,083.66 or 84.33 months PITIA reserves. 12 months PITIA required for the subject property ($5,823.03 x 12 = $69,876.36) total reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 777 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 13 years in current profession.

Complete

0380145167

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

A

A

C

B

CB

CB

VC

VA

RA

RA

Property Valuations

Property

Satisfied

C

A

VC

VA

PRVAPROP2674

Property Issues Indicated 2

No

Subject Property is a Flip transaction as Seller's purchased property XXX and loan purchase contract dated XXX. Exception approval form dated XXX by XXX as Seller's made major improvements to home. Exception approval noted however exception remains.

6.1.17 - Lender provided overlays and LVAM authority for flip transactions. Underwriting decision notes and appraisal notes meet the requirements in guidelines and because seller of property was a LLC an exception was reviewed and approved.

6.1.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $491,083.66 or 84.33 months PITIA reserves. 12 months PITIA required for the subject property ($5,823.03 x 12 = $69,876.36) total reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 777 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 13 years in current profession.

Complete

0993953523

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing homeownership counseling list.

5.15.17- HOC list provided

5.15.17- Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 60 months PITI reserves available. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for over 5yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 5yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 8yrs.Co Borrower has been in current profession for 10yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 31.24%

Client Complete

0993953523

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing written list of service providers.

5.15.17- SPL provided

5.15.17-condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 60 months PITI reserves available. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for over 5yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 5yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 8yrs.Co Borrower has been in current profession for 10yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 31.24%

Client Complete

0717261372

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The median credit score of 779 is 99 more points than minimum required score of 680. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 36 years with current employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $3,200,848 verified liquid assets.

Client Complete

0612384361

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12.9 years with current employer CFCFS1736: Significant time at current residence - Clayton Comments: 11.9 years in current departure residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The median credit score of 799 is 119 more points than minimum required score of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 63 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0562435029

XXXXXX

MO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 12.53 years CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.83% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 21.30 months PITI reserves of $82,330.77. Guidelines require 12 months PITI reserves.

Complete

0635874506

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

CC

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS has middle name.

5.10.17 Client WFHL waive issues related to exact name matches on NMLS.

5.10.17 Final Grade B.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 8.40 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 24.21%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 804 is 124 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 426.69 months PITIA post closing reserves; minimum required is 18 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 12.83% is 30.17 points below the maximum permitted of 43%.

Client Complete

0635874506

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

CC

CA

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of Home Owner's Counseling Agencies is not in file.

05.12.17 Lender provided a copy of the HOCL.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 8.40 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 24.21%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 804 is 124 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 426.69 months PITIA post closing reserves; minimum required is 18 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 12.83% is 30.17 points below the maximum permitted of 43%.

Client Complete

0635874506

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

CC

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Service Provider list is not in file.

05.12.17 Lender provided a copy of the service provider list.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 8.40 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 24.21%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 804 is 124 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 426.69 months PITIA post closing reserves; minimum required is 18 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 12.83% is 30.17 points below the maximum permitted of 43%.

Client Complete

0635874506

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

CC

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% tolerance fees increased between LE xx/xx/xxxx and CD xx/xx/xxxx by $17.88. The Credit Report fee increased without valid documentation. Lender include a credit of $18.00 on the same CD.

(No Data)

5/4/2017: Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 8.40 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 24.21%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 804 is 124 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 426.69 months PITIA post closing reserves; minimum required is 18 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 12.83% is 30.17 points below the maximum permitted of 43%.

Client Complete

0635874506

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

CC

CA

VA

VA

RB

RB

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Primary borrower's verbal verification of employment dated 2/16/17 is > 20 business days from the closing date of XXX. Guidelines required verification within 20 business days of closing.

05.18.16 Lender provided a copy of VVOE dated XXX.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 8.40 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 24.21%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 804 is 124 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 426.69 months PITIA post closing reserves; minimum required is 18 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 12.83% is 30.17 points below the maximum permitted of 43%.

Client Complete

0635874506

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

CC

CA

VA

VA

RB

RB

Credit

Title

Satisfied

C

A

CC

CA

CRDTIL875

Title Does Not Agree With Mortgage

No

The title commitment vesting does not match the mortgage vesting. The title commitment vesting is in the borrower's individual names and does not include co-borrower's trust vesting additionally identified on the mortgage. Provide final title policy or deed to verify correct vesting.

05.11.17 Lender provided a copy of the title showing vesting that shows XXXXXX and trust info and XXXXXX.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 8.40 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 24.21%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 804 is 124 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 426.69 months PITIA post closing reserves; minimum required is 18 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 12.83% is 30.17 points below the maximum permitted of 43%.

Client Complete

0304452920

XXXXXX

MI

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Assets

Active

B

B

CB

CB

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

9.46 months PITI reserves shortfall. PCL calculation 12 x $3,050.37 = $36,604.44 Cash to close if we are sending up for PCL exception we can only use half as retirement. 4.5 months x $3,050.37 = $13,726.67 - liquid = $26,035.94 = 8.54 months liquid . An approved exception form dated 03/21/2017. Exception approval noted however exception remains.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The median credit score of 806 is 126 more points than minimum required score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 5.6 years at current employer. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower 5.3 years with current employer.

Complete

0304452920

XXXXXX

MI

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC3204

Income Documentation Missing

No

Provide the fully executed and dated Initial 4506-T form as only the Final located in the file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The median credit score of 806 is 126 more points than minimum required score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 5.6 years at current employer. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower 5.3 years with current employer.

Complete

0623540460

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Assets

Active

B

B

CB

CB

CRDAST115

Cash reserves do not meet guidelines

No

1.20 Reserves shortfall. The verified Post Close assets of $114,625.47 or 22.80 months is < 24 months PITI reserves required. 12 months PITI reserves required for the subject property, 6 months PITI reserves required for the departing residence and 6 months PITI reserves required for the REO.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has a representative score of 775 and exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 17 years in current profession. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xxxxx for 14.7 years.

Complete

0623540460

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2408

Income verification does not meet guidelines

No

Provide the most recent year to date paystub to determine base pay and bonus income pay***additional exceptions may apply to DTI.

(No Data)

05.18.17 Income verified with 24 months of W-2s, Personal tax returns, and most recent IRS tax transcripts. Average income over the last 2 years can be established with income documentation provided. Compensating factors; qualifying score of 775 exceeds min of 680, borrower has 17 years on current job. Non-material exception level B.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has a representative score of 775 and exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 17 years in current profession. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xxxxx for 14.7 years.

Complete

0854968185

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Service provider list is not in file.

5/15/17 - SPL provided Dated 2/20

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 16.2 years with current employer, xxxxx, as a xxxxx. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 15.6 years with her current employer, xxxxx, as a xxxxx. CFCFS2860: Good credit history - Clayton Comments: Bwrs have excellent credit with no derogs and paying all accts as agreed. 26 tradelines, oldest trade 3/86. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers verified Post Close have assets of $379,599.34 / 114.44 months reserves. 12 months PITI reserves required for the subject property, 6 months PITI reserves required for REO (xxxxx) and 6 months PITI reserves required for (xxxxx). CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 55 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0627620064

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 29 months cash reserves exceeds guideline requirement of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 credit score exceeds guideline minimum of 680 by 80 points.

Client Complete

0903058578

XXXXXX

LA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The Loan Officer's name as it appears on the 1003, Note and Mortgage (XXX) does not match the name as it appears on the NMLS website (XXX)

5.9.17 Client WFHL approved to waive issues related to exact name matching on NMLS.

5.9.17 Final Grade B.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 26.63% is below guideline requirement of 43% by 16.37 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70.93% below guideline requirements of 80% by 9.07 points CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit report is 765.

Client Complete

0573819928

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 737 exceeds the minimum guideline of 720. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided in the primary residence 17.10 years

Client Complete

0675371382

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

B

CA

CA

VA

VB

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Notary status is missing from mortgage/deed. Provide fully executed mortgage/deed with notarization section completed. Additional conditions may apply. Looks as if the Mortgage is in the file however not able to open it to review signatures and Notary date and signature.

5/9/17: Lender provided Mortgage, fully executed and notarized.

5/9/17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 16.31%. Guideline maximum is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 777. Minimum required is 680.

Client Complete

0675371382

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

B

CA

CA

VA

VB

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Missing fully executed mortgage. Copy in file is not signed. Looks as if the Mortgage is in the file, however not able to open it to review signatures and Notary date and signature.

5/9/17: Lender provided Mortgage, fully executed and notarized.

5/9/17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 16.31%. Guideline maximum is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 777. Minimum required is 680.

Client Complete

0675371382

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

B

CA

CA

VA

VB

RD

RA

Property Valuations

Appraisal

Satisfied

N/A

A

N/A

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

4.19.17 Desk Review received indeterminate value dated 4.19.17, value not supported. Field Review recommended.

4.19.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 16.31%. Guideline maximum is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 777. Minimum required is 680.

Client Complete

0675371382

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

B

CA

CA

VA

VB

RD

RA

Property Valuations

Value

Satisfied

N/A

A

N/A

VB

PRVAVALU153

Value Not Supported

No

4.19.17 Field Review Ordered.

5.1.17 Field Review received valued at xxxxx dated 5.1.17, value supported.

5.1.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 16.31%. Guideline maximum is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 777. Minimum required is 680.

Client Complete

0178875464

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Provide a notarized copy of the Mortgage.

5/9/17: Lender provided fully executed mortgage.

5/9/17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 724 is 44 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.84% is 11.16% below the maximum DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Has been in his profession for 22 years. CFCFS1739: Postive mortgage payment history - Clayton Comments: Rated 84 months with 0x30. Requires 12 months.

Client Complete

0178875464

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Provide fully executed Mortgage & riders. Copies in file are not signed by borrowers.

5/9/17: Lender provided fully executed mortgage.

5/9/17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 724 is 44 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.84% is 11.16% below the maximum DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Has been in his profession for 22 years. CFCFS1739: Postive mortgage payment history - Clayton Comments: Rated 84 months with 0x30. Requires 12 months.

Client Complete

0178875464

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 724 is 44 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.84% is 11.16% below the maximum DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Has been in his profession for 22 years. CFCFS1739: Postive mortgage payment history - Clayton Comments: Rated 84 months with 0x30. Requires 12 months.

Client Complete

0011975262

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

B

A

B

A

CB

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Form was not provided.

5.15.17-HOC list provided

5.15.17- condition satisfied

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1 earns annual bonus not used in qualifying. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit with no derogs and all tradelines paid as agreed. Credit scores are 797/789. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have ample assets with $260,822.16/ 48.26 in investments and retirement after closing. 12 mths PITI required, $66,036.48.

Client Complete

0011975262

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

B

A

B

A

CB

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Form was not provided.

5.15.17- SPL provided

5.15.17- Condition satisfied

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1 earns annual bonus not used in qualifying. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit with no derogs and all tradelines paid as agreed. Credit scores are 797/789. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have ample assets with $260,822.16/ 48.26 in investments and retirement after closing. 12 mths PITI required, $66,036.48.

Client Complete

0011975262

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

B

A

B

A

CB

CA

VA

VA

RB

RA

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

VVOE for B1 is dated 3/15, Note is XXX. More than 20 days.

5.20.17 Lender provided VVoe dated XXX

5.20.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: B1 earns annual bonus not used in qualifying. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit with no derogs and all tradelines paid as agreed. Credit scores are 797/789. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have ample assets with $260,822.16/ 48.26 in investments and retirement after closing. 12 mths PITI required, $66,036.48.

Client Complete

0220091938

XXXXXX

MO

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The legal documents reflect XXX for the loan officer, the NMLS registry reflects XXX.

(No Data)

After further review, variance is only for middle name and is the Loan Officer associated with transaction. Non material exception

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 40 months reserves exceeds guideline requirement of 12 months. CFCFS2860: Good credit history - Clayton Comments: 0 x 30 days in most recent 24 months.

Complete

0220091938

XXXXXX

MO

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD xx/xx/xxxx Calculating Cash to Close section (Alt Version) is $3328.55 which does not equate to the amount based on the Reg's formula of 727025 - 723696.45 = 7.03 = 3321.52

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 40 months reserves exceeds guideline requirement of 12 months. CFCFS2860: Good credit history - Clayton Comments: 0 x 30 days in most recent 24 months.

Complete

0220091938

XXXXXX

MO

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Provide updated valuation desk review

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 40 months reserves exceeds guideline requirement of 12 months. CFCFS2860: Good credit history - Clayton Comments: 0 x 30 days in most recent 24 months.

Complete

0654430625

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

DTI

Active

B

B

CB

CB

CRDDTI105

Debt Ratio Exception 5% or Less

No

2.80% back end DTI shortfall. The back end DTI of 42.80% is 2.80% > maximum back end DTI of 40.00% (cash out refinance). The Lender approved the DTI on 04.06.2017 xxxxx based on Borrower Non-Recoverable Draw is considered base salary and will not end. Exception approval noted however exception remains.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $363,260.54 or 50.48 months PITI reserves. 17 months PITI reserves are required for the subject property (12 months for the subject, 3 months gap of employment + an additional 2 months for the gap) and 6 months PITI reserves are required for the REO property (xxxxx). CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score is 786, minimum required score for cash out is 720. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as xxxxx for 20 years.

Complete

0512381571

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Terms/Guidelines

Active

B

B

CB

CB

CRDTER127

Payment shock does not meet guidelines

No

Payment shock of 703.55% , which exceeds the guideline of 200%; due to borrower owning current residence free & clear.

5.16.17 Client response Payment shock was due to borrower owning current residence free & clear. Qualifying ratio(s) 30.707 and 40.535. Underwriter has the discretion to exceed this payment shock if adequate consideration is given to compensating factors. Strong residual income, demonstrated ability to accumulate savings and a conservative attitude toward the use of credit, strong equity position in other assets, including real estate owned. However, while previous home is owned free and clear, payment shock variance is not addressed in guidelines.

5.16.17 Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's representative score 769 exceeds guidelines requirements of 720. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned and occupied the departing residence for over 15 years; home is owned free & clear. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has worked at current job for over 10 years.

Complete

0923170915

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Provide updated third party desk review.

5.2.17 Desk Review received valued at $xxxxxx+AH1157 dated 4/19/17, value supported.

5.2.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico score 814 exceeds guidelines requirements of 720. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for over 22 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked self-employed at current job for over 30 years.

Client Complete

0205186699

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.9.17 Client WFHL approved to waive issues related to exact name matching on NMLS.

5.9.17 Final Grade B.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 792 exceeded the guideline requirement of 680 by 112 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months 0 x 30. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 9 years in his profession.

Client Complete

0323086540

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 23.36 months reserves after closing. 12 months PITI reserves required for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The midpoint credit score of the primary wage earner (808) exceed guideline requirement (680) by 128 points. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit history with no derogatory history. No public records, no adverse history and no lates evidenced. All tradelines are paid as agreed.

Complete

0323086540

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing homeownership counseling list.

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 23.36 months reserves after closing. 12 months PITI reserves required for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The midpoint credit score of the primary wage earner (808) exceed guideline requirement (680) by 128 points. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit history with no derogatory history. No public records, no adverse history and no lates evidenced. All tradelines are paid as agreed.

Complete

0323086540

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing written list of service provider.

5/15/17 - Lender provided SPL disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 23.36 months reserves after closing. 12 months PITI reserves required for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The midpoint credit score of the primary wage earner (808) exceed guideline requirement (680) by 128 points. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit history with no derogatory history. No public records, no adverse history and no lates evidenced. All tradelines are paid as agreed.

Complete

0323086540

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

$0.40 Ten Percent Tolerance due to increase in credit report from loan estimate to final Cd without a valid change of circumstance documented in the file.Cure provided on the final CD.Downgraded and satisfied non-material.

(No Data)

5.5.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 23.36 months reserves after closing. 12 months PITI reserves required for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The midpoint credit score of the primary wage earner (808) exceed guideline requirement (680) by 128 points. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit history with no derogatory history. No public records, no adverse history and no lates evidenced. All tradelines are paid as agreed.

Complete

0323086540

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Application

Active

B

B

CB

CB

CRDAPP130

Application is incomplete

No

Provide signed copy of the initial application.

5/18/2017 -Lender provided unsigned copy of initial application.

5/18/2017 - Exception not satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 23.36 months reserves after closing. 12 months PITI reserves required for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The midpoint credit score of the primary wage earner (808) exceed guideline requirement (680) by 128 points. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit history with no derogatory history. No public records, no adverse history and no lates evidenced. All tradelines are paid as agreed.

Complete

0323086540

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC3204

Income Documentation Missing

No

Provide the fully executed and dated Initial 4506-T Form as it is blank when opened up.

5/18/2017 -Lender provided fully executed and dated 4506-T Form.

5/18/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 23.36 months reserves after closing. 12 months PITI reserves required for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The midpoint credit score of the primary wage earner (808) exceed guideline requirement (680) by 128 points. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit history with no derogatory history. No public records, no adverse history and no lates evidenced. All tradelines are paid as agreed.

Complete

0072010687

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Form was not provided.

5.15.17- HOC list provided

5.15.17- exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 33.88%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 73.85%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 802

Client Complete

0072010687

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Form was not provided.

5.15.17- SPL provided

5.15.17- exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 33.88%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 73.85%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 802

Client Complete

0121814226

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 740 exceeded the guideline requirement of 680 by 60 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 11.30 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 25.82 months PITI reserves. 12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.51% DTI is below the maximum allowed DTI of 43%.

Complete

0734302872

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

5/4/17- The List of homeowners counseling organizations was not in file.

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 777 exceeded the guideline requirement of 720 by 57 points. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned their current residence for 9.25 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $401,071.03 or 105.49 months PITI reserves. Guidelines require total reserves of $66,941.04.

Client Complete

0734302872

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

SPL not provided in file

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 777 exceeded the guideline requirement of 720 by 57 points. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned their current residence for 9.25 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $401,071.03 or 105.49 months PITI reserves. Guidelines require total reserves of $66,941.04.

Client Complete

0499449192

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Compliance Manual

Active

B

B

RB

RB

CMPMAN2990

1003 - Final Application is not Accurate

No

Final Loan Application Indicates that the Borrower has not owned a Home; the Mortgage Statement for XXX and Seller's Final CD is in the file indicating that the borrower is not a First Time Home Buyer. Declaration section I incomplete.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with the current Employer for 27.82 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with the current Employer for 7.05 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 21.32%; guideline maximum is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Cash Reserves in the amount of $322,324.37; 112.34 months PITI in reserves. 12 months PITIA reserves required for the subject property.

Complete

0547736437

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.61% DTI is below the maximum allowed DTI of 43%.

Client Complete

0519454366

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH183

Credit report incomplete

No

Missing pages 2-6 of credit report dated 2/15/17.

5.21.17 Lender provided complete credit report dated 2/15/17

5.21.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's representative score of 786 exceeds guidelines requirements of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualified DTI of 19.10% ; max per guidelines is 43%. CFCFS2860: Good credit history - Clayton Comments: Borrowers have over 56 months of credit history with no lates.

Client Complete

0942015721

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2340

Employment verification does not meet guidelines

No

Missing current pay stub and VVOE dated within 20 days of closing for XXX income. Provide current pay stub and VVOE dated within 20 days of closing for XXX income per guidelines.

5.25.17 Lender provided VVOE dated 3.7.17., still missing current paystub. 5.24.17 - Lender provided a rebuttal indicating they disagree. Lender's rebuttal:"Borrower is self-employed as an XXX xxxxx. Per letter of explanation provided by the borrower, it's common in his field to be paid either 1099 or a W-2 employee depending on the preference of the client. Income from Schedule C and W-2's were averaged to calculate qualifying income. Supporting documentation attached. "

5.30.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history exceeds guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 25.64 months verified cash reserves exceed guidelines.

Client Complete

0942015721

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Missing current hazard insurance. Provide proof of current hazard insurance for subject property with sufficient coverage. Additional conditions may apply.

5.24.17 - Lender provided Hazard Step Saver documentation.

5.24.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history exceeds guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 25.64 months verified cash reserves exceed guidelines.

Client Complete

0402827292

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 740 is 60 points higher than the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 19.77% is 23.23% less than the maximum allowable DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Has been employed in her profession for 14 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage rated 54 months with 0x30, only requires 12 months.

Complete

0351572644

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 25 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 809 exceeded the guideline requirement of 680 by 129 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0856529773

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The midpoint credit score of the primary wage earner (797) exceed guidelines requirements of (680) by 117 points. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers resided in current residence 8.90 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.52% is below guideline requirement 43% by 8.48 point.

Client Complete

0711508889

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 11.87 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $124,267.71 post closing reserves, 36.43 months PITIA. Guidelines require 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 720 qualifying score. Min required per guidelines is 680.

Complete

0955581098

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer’s name on the Note, Mortgage, and the 1003 is XXX . The NMLS database verified the loan officer’s name as XXX and XXX . The Reg-Z requirement is for the Originator’s name to match the NMLS website exactly.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 – Non-material exception.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with the same Employer for 24.90 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been Self Employed for 18.51 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 30.46%; guideline maximum is 43%.

Client Complete

0955581098

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support the value of xxxxxxx.

CDA received 5/5/2017, supporting the original appraised value of $xxxxxxx.

5.11.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with the same Employer for 24.90 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been Self Employed for 18.51 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 30.46%; guideline maximum is 43%.

Client Complete

0074791866

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC3204

Income Documentation Missing

No

Provide the fully executed and dated 4506-T form as not located in the file.

5.24.17 Lender provided executed final 4506-T.

5.24.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxxxx 5.9 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower xx for 8.10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $205,742.23 or 61.04 months PITI reserves. 12 months PITI reserves required for the subject property ($3,161.28x12=$37,935.36), 12 months PITI reserves for departing residence and REO property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 781, minimum allowed 680.

Client Complete

0660996863

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Provide a copy of the fully executed and Notarized Mortgage as the documents are blank when opened up.

5/9/17: Lender provided fully executed and notarized Mortgage.

5/9/17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.20% is 11.80% less than the maximum DTI of 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Primary mortgage rated 84 months with 0 x 30 months. CFCFS2854: Significant time in profession - Clayton Comments: Has been in his profession for 32 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 810 is 130 points higher than the required score of 680.

Client Complete

0660996863

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Copy of mortgage/rider in file not signed by borrowers as the documents are blank when opened up.

5/9/17: Lender provided fully executed and notarized Mortgage.

5/9/17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.20% is 11.80% less than the maximum DTI of 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Primary mortgage rated 84 months with 0 x 30 months. CFCFS2854: Significant time in profession - Clayton Comments: Has been in his profession for 32 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 810 is 130 points higher than the required score of 680.

Client Complete

0660996863

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Provide the fully executed Final 4506-T as the documents are blank when opened up.

5/9/17: Lender provided fully executed 4506T.

5/9/17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.20% is 11.80% less than the maximum DTI of 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Primary mortgage rated 84 months with 0 x 30 months. CFCFS2854: Significant time in profession - Clayton Comments: Has been in his profession for 32 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 810 is 130 points higher than the required score of 680.

Client Complete

0717271705

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 753 is 73 points above the required score of 680. CFCFS2854: Significant time in profession - Clayton Comments: Has been employed in his profession for 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $284,163.93 or 89.70 months, exceeds the 12 month reserve requirement.

Complete

0806468966

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Assets

Active

B

B

CB

CB

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

$31,076.12 PITI PCL reserves shortfall. The PCL reserves of $31,011.58 < $31,076.12 of total PCL reserves required of $62,087.70 (6 months PCL reserves required). The Lender has an approved exception dated XXX by based on Borrower has put over $700,000.00 into complete remodel of subject property. Exception approval noted however exception remains.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 23 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as xxx for 22 years.

Complete

0806468966

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

LTV/CLTV

Active

B

B

CB

CB

CRDLTV3026

LTV Exceeds Guideline Requirement by at least 5%, but less than 10%

No

8.08% LTV shortfall. The LTV of 73.08% is > maximum LTV of cash back to Borrower of 65.00%. The Lender has an approved exception dated XXX by based on Borrower has put over $700,000.00 into complete remodel of subject property. Exception approval noted however exception remains.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 23 months reviewed 0 x 30; the minimum required by guidelines is 12 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as xxx for 22 years.

Complete

0287722214

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS has middle name, or first and last name only.

5.4.17 - Client provided exception approval to accept NMLS name variation.

Final Grade B.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.82% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower self-employed with same business for 5.62 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 772 is 92 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 79.80 months PITI reserves. 24 months required.

Client Complete

0287722214

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/2017 Storms, Flooding and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.9.17 Post Disaster Inspection provided reflecting no damage.

5.9.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.82% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower self-employed with same business for 5.62 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 772 is 92 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 79.80 months PITI reserves. 24 months required.

Client Complete

0438450916

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

C

A

D

A

CD

CA

VA

VA

RC

RA

Compliance

Documentation

Satisfied

C

A

RC

RA

CMPDOC3076

Legal document was not executed or is incomplete

No

File is missing page1 of the signed note.

5/10/2017 - Lender provided page1 of the signed note.

5/10/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.34% DTI is below the maximum allowed DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 779 is 99 points above minimum program requirement of 680. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage rated 36 months with 0x30. Requires 12 months 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 27.03 months PITIA reserves. 12 months required.

Client Complete

0438450916

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

C

A

D

A

CD

CA

VA

VA

RC

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP130

Application is incomplete

No

File is missing the signed and dated final loan application.

5/10/2017 - Lender provided the signed and dated final loan application

5/10/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.34% DTI is below the maximum allowed DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 779 is 99 points above minimum program requirement of 680. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage rated 36 months with 0x30. Requires 12 months 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 27.03 months PITIA reserves. 12 months required.

Client Complete

0438450916

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

C

A

D

A

CD

CA

VA

VA

RC

RA

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR3278

Hazard Insurance documentation in file is incomplete

No

File is missing a copy of the hazard insurance declarations page verifying policy effective dates and dwelling coverage sufficient to cover at least the loan amount.

5/10/2017 - Lender provided the hazard insurance with effective dates and the 524,000 dwelling coverage.

5/10/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.34% DTI is below the maximum allowed DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 779 is 99 points above minimum program requirement of 680. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage rated 36 months with 0x30. Requires 12 months 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 27.03 months PITIA reserves. 12 months required.

Client Complete

0438450916

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

C

A

D

A

CD

CA

VA

VA

RC

RA

Credit

Terms/Guidelines

Satisfied

C

A

CC

CA

CRDTER3124

Loan documents do not meet guideline requirements

No

Provide the signed initial and final 4506-T's from each borrower.

05.11.17 Lender provided a copy of the signed 4506T and transcripts.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.34% DTI is below the maximum allowed DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 779 is 99 points above minimum program requirement of 680. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage rated 36 months with 0x30. Requires 12 months 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 27.03 months PITIA reserves. 12 months required.

Client Complete

0015615676

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing verification of property taxes for XXX.

5.20.17 Lender provided T&I for XXX.

5.20.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.78 DTI below guideline requirement 43. CFCFS1737: LTV below guideline requirements - Clayton Comments: 54.48 LTV below guideline requirement 80.

Client Complete

0015615676

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Provide verification of property taxes for XXX.

5.20.17 Lender provided T&I for XXX.

5.20.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.78 DTI below guideline requirement 43. CFCFS1737: LTV below guideline requirements - Clayton Comments: 54.48 LTV below guideline requirement 80.

Client Complete

0466104492

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Missing copy of hazard insurance policy/declarations page for subject property; Provide proof of sufficient coverage, coverage dates and annual premium for subject property. Additional conditions may apply.

5/09/2017 - Lender provided the HOI for the subject.

5/09/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 credit score exceeds guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified post closing assets of $289,311.16 or 65.87 months PITI reserves; per guidelines, 12 months PITI is required.

Client Complete

0756929153

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

CD

CB

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Borrower does not have the minimum number of trades. Missing pages 1,6 and 7 of the credit report

05.11.17 Lender provided a complete copy of the CBR all pages present, however the borrower does not have the min number of trades. The 2 open trades on the CBR are auth user accounts.

05.11.17 Exception remains.5.26.17 After further review, minimum trade lines are not a QM requirement and exception satisfied with full credit report.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 77 months reserves exceeds guideline requirement of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37% DTI is below guideline maximum of 43%.

Complete

0756929153

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

CD

CB

VA

VA

RD

RA

Credit

Assets

Active

D

B

CD

CB

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Missing a copy of the Earnest Money Deposit check of $20,000.00 and verification cleared borrowers account.

05.11.17 Lender provided a copy of the wire receipt from the title co for the $20K EMD from the borrower, however, lender did not provide bank statement supporting the withdrawal from the account that funded the EMD 5.22.17 - Lender provided a rebuttal indicating they disagree. Lender's rebuttal: "Lender guidelines requires evidence that the earnest money cleared the borrower's account prior to the date the balance was verified. However, the earnest money was paid 2/24/2017 after the date all balances were verified so the earnest money could not have cleared any of the verified accounts used for closing. EMD was not considered (used) by the underwriter in available cash to close. "

05.11.17 Exception remains. 5.26.17 After further review, CLAYTON considers this to be non-material since the EMD was not deducted from required funds to close.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 77 months reserves exceeds guideline requirement of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37% DTI is below guideline maximum of 43%.

Complete

0756929153

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

CD

CB

VA

VA

RD

RA

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Missing complete credit report unable to determine.

05.11.17 Lender provided a copy of the credit report, however, the open trades are only 2 and are authorized user accounts. B1 does not have the min open trade lines.

05.11.17 Exception remains. Verified PITI reserves of 77 months with 12 minimum required, 802 mid FICO score with 680 minimum required, and 37% DTI with maximum limit of 43%. Non-material exception level B.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 77 months reserves exceeds guideline requirement of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37% DTI is below guideline maximum of 43%.

Complete

0756929153

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

CD

CB

VA

VA

RD

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH183

Credit report incomplete

No

Credit report is incomplete: Missing pages 1, 6, and 7.

05.11.17 Lender provided a complete copy of the CBR all pages present.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 77 months reserves exceeds guideline requirement of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37% DTI is below guideline maximum of 43%.

Complete

0756929153

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

CD

CB

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC150

Income docs do not meet guidelines

No

Missing a signed 4506T at initial and final application process

05.11.17 Lender provided a signed copy of the 4506T initial and final.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 77 months reserves exceeds guideline requirement of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37% DTI is below guideline maximum of 43%.

Complete

0808541427

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current line of work as xxxxx for over 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's credit score 772 exceeds guidelines requirements of 720. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Additional documented household income not used to qualify from B2 with a two year schedule C average of $5,111.33 per month.

Client Complete

0582151661

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

D

A

A

A

D

B

CB

CA

VD

VB

RA

RA

Credit

Legal Documents

Satisfied

B

A

CB

CA

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

Provide evidence the XXX HELOC account ending #XXX has been closed to future draws and satisfied of record.

5.24.17 - Lender provided copy of pay off and final title policy indicating HELOC was paid off and is no longer open.

5.24.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.60% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $108,540.25 or 34.54 months PITI reserves. 12 months PITI reserves required for the subject property.

Client Complete

0582151661

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

D

A

A

A

D

B

CB

CA

VD

VB

RA

RA

Credit

Terms/Guidelines

Satisfied

B

A

CB

CA

CRDTER3684

HELOC draws in last 6 months not permitted per guidelines

No

Provide evidence for the xxxxx HELOC account ending #xxxxx has had no draws in the past 12 months.

5.24.17 - Lender provided copy of credit report, pay off and final title policy indicating HELOC was paid off, is no longer open and no draws in previous 12 months.

5.24.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.60% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $108,540.25 or 34.54 months PITI reserves. 12 months PITI reserves required for the subject property.

Client Complete

0582151661

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

D

A

A

A

D

B

CB

CA

VD

VB

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Desk review needed

5/12/2017: Desk Review received value indeterminate dated 5/3/17, value not supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.60% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $108,540.25 or 34.54 months PITI reserves. 12 months PITI reserves required for the subject property.

Client Complete

0582151661

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

D

A

A

A

D

B

CB

CA

VD

VB

RA

RA

Property Valuations

Value

Satisfied

A

A

VA

VB

PRVAVALU153

Value Not Supported

No

5.3.17 Field Review Ordered.

5.26.17 Field Review received valued at $xxxxxx, value supported.

5.26.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.60% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $108,540.25 or 34.54 months PITI reserves. 12 months PITI reserves required for the subject property.

Client Complete

0712761836

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Home Owner's Counseling list is not in file.

5.15.17 - Lender provided HOC disclosure. Exception satisfied.

5.15.17- Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VOE B has been working for the same xxxxx for over 10 years. CFCFS1736: Significant time at current residence - Clayton Comments: Per COT B's have owned the subject for over 12 years.

Complete

0712761836

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Compliance

Texas Home Equity

Satisfied

D

A

RD

RA

CMPTXHE114

TX Equity - Missing Notice Concerning Extensions of Credit (12-Day)

No

Missing Notice Concerning Extensions of Credit Status. TX 50-A-6

5.25.17 lender provided signed Notice Concerning Extensions of Credit.

5.25.17 exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VOE B has been working for the same xxxxx for over 10 years. CFCFS1736: Significant time at current residence - Clayton Comments: Per COT B's have owned the subject for over 12 years.

Complete

0712761836

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4293

TRID - CD: The Cash to Close as stated in the CD Costs at Closing section does not match the Cash to Close as stated in the CD Calculating Cash to Close section

No

The Total Closing Cost(J) amount on the Calculating Cash to Close table of CD xx/xx/xxxx should be -$11855.60 but is -$11855.61 causing the Cash to Close value to be inaccurate by $0.01

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VOE B has been working for the same xxxxx for over 10 years. CFCFS1736: Significant time at current residence - Clayton Comments: Per COT B's have owned the subject for over 12 years.

Complete

0712761836

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The Closing Costs Financed value of $11855.61 on the Calculating Cash to Close table of CD xx/xx/xxxx does not match the Clayton calculation since the Closing Costs Paid Before Closing value was not subtracted from the Total Closing Costs(J)

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VOE B has been working for the same xxxxx for over 10 years. CFCFS1736: Significant time at current residence - Clayton Comments: Per COT B's have owned the subject for over 12 years.

Complete

0712761836

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers is not in file.

5.15.17 - Lender provided SPL disclosure. Exception satisfied.

5.15.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VOE B has been working for the same xxxxx for over 10 years. CFCFS1736: Significant time at current residence - Clayton Comments: Per COT B's have owned the subject for over 12 years.

Complete

0712761836

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

RC

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% tolerance fees increased between LE xx/xx/xxxx and CD xx/xx/xxxx by $1160.01. The fees that were added or increased without valid documentation are the Title- Endorsement, Title- closing, Title -Lender's Policy, Title- Tax Certificate and Title -Survey. Without a Service Provider List in file to determine if the borrower can shop, these fees are tested under the 0% tolerance rules. The lender included a credit of $283.51 for the increase in closing costs but it is not sufficient.

5.31.17-Lender provided Service provider list and are not the servicer listed on the CD and proper tolerance cure was provided.

5.31.17- condition satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VOE B has been working for the same xxxxx for over 10 years. CFCFS1736: Significant time at current residence - Clayton Comments: Per COT B's have owned the subject for over 12 years.

Complete

0712761836

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Credit

Assets

Satisfied

B

B

CB

CB

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Statements in file support assets of $535,154.09 with reserves of $280,213.45 of which $24,654.79 is liquid. GL's require 12 months post closing liquidity $4,179.33x 12= $50,151.96, with 50% permitted from retirement sources. 50% of $50,151.96 is $25,075.98; borrowers are short liquid reserves by $421.19.*Exception addressed on UW Decision Summary and remains.

5.29.17 Lender rebuttal LVAM approved exception - Reserve requirements / Post Close Liquidity (PCL) requirement. This exception approved under the PCO delegated authority. After review guideline overlays allow underwriting exception. Based on credit score above minimum, time at residence, and months of PITI

5.29.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VOE B has been working for the same xxxxx for over 10 years. CFCFS1736: Significant time at current residence - Clayton Comments: Per COT B's have owned the subject for over 12 years.

Complete

0712761836

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

CD

CB

VA

VA

RD

RB

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Missing evidence of hazard insurance.

5.20.17 - Lender provided the Hazard Insurance.

5.20.17- Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per VOE B has been working for the same xxxxx for over 10 years. CFCFS1736: Significant time at current residence - Clayton Comments: Per COT B's have owned the subject for over 12 years.

Complete

0108990712

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support xxxxxxx

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 33.36%, max allowed is 43.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 75.00% is 5% < maximum LTV of 80.00%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as xxxxx for 5 years.

Client Complete

0255772044

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

The Borrower is a permanent resident alien. Missing proof of unexpired documentation related to citizenship/residency (permanent resident alien/green card).

5.25.17 Lender provided resident alien card.

5.25.17 exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 24.15%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 735; minimum required credit score per guidelines is 680.

Client Complete

0255772044

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

CD

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx+AH1184 dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 24.15%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 735; minimum required credit score per guidelines is 680.

Client Complete

0268101730

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 29.35%, max allowed is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 763, minimum allowed is 680.

Client Complete

0781608431

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

C

B

C

B

CC

CA

VA

VA

RC

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: xx/xx/xxxx Closing Costs Financed (Paid from your loan amount) shows $5492.62 review verified it should be $4864.74lender included POCC Non-Numerical ErrorCan be satisfied non-material with client consent to Legacy TILA Cure 130(B), corrected post close CD, LOX, and verification sent to borrower.

5.16.17-Lender provided PCCD 4.27.17 does not satisfy exception, remains active

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires $0 funds to close. Statements in file support assets of $1,617,629.81 with reserves of $1,141,456.82. GL's require 12 months PITI reserves $36,837.36 ($3,069.78x12). CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 14.60%. Max allowed 40%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 798, 78 points above lender's minimum of 720.

Complete

0781608431

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

C

B

C

B

CC

CA

VA

VA

RC

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

RC

RA

CMPTRID3604

TRID - Error discovered on Closing Disclosure

No

File is missing CD sequence # 008 delivered to borrower on XXXXX.

5.16.17-CD sequence 008 provided and entered

5.16.17-exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires $0 funds to close. Statements in file support assets of $1,617,629.81 with reserves of $1,141,456.82. GL's require 12 months PITI reserves $36,837.36 ($3,069.78x12). CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 14.60%. Max allowed 40%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 798, 78 points above lender's minimum of 720.

Complete

0781608431

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

C

B

C

B

CC

CA

VA

VA

RC

RB

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC150

Income docs do not meet guidelines

No

Missing executed 450T from closing.

05.16.17 Lender provided a copy of the signed 4506T

05.16.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires $0 funds to close. Statements in file support assets of $1,617,629.81 with reserves of $1,141,456.82. GL's require 12 months PITI reserves $36,837.36 ($3,069.78x12). CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 14.60%. Max allowed 40%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 798, 78 points above lender's minimum of 720.

Complete

0081020873

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC150

Income docs do not meet guidelines

No

Missing the signed 4506T at initial application

5/10/2017 - Lender provided the signed 4506T at initial application

5/10/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrowers Representative Credit Score is 769. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with the current Employer for 7.62 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.42%; guideline maximum is 43%.

Client Complete

0081020873

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2862

Copy of Note in file is incomplete

No

Provide the first page of the fully executed Note as the page is blank.

5/10/2017 - Lender provided the fully executed note.

5/10/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrowers Representative Credit Score is 769. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with the current Employer for 7.62 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.42%; guideline maximum is 43%.

Client Complete

0434821227

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The individual loan originators name on the file documents does not match the NMLS license name. The file documents contain only the middle initial, and the license contains the full middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 11.94 years with current employer. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower employed 9.69 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.62%; maximum permitted is 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 is 58 points above the minimum required of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.56% is 15.44 points below the maximum permitted of 43%.

Complete

0434821227

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD xx/xx/xxxx Calculating Cash to Close section (Alt Version) is 5368.73 which does not equate to the amount based on the Reg's formula of $466500 - 431930.60 - 29745.55 = 4823.85

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 11.94 years with current employer. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower employed 9.69 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.62%; maximum permitted is 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 is 58 points above the minimum required of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.56% is 15.44 points below the maximum permitted of 43%.

Complete

0434821227

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2862

Copy of Note in file is incomplete

No

Missing page 1 of Note.

05/15/2017- Lender provided response: see attached signed note. 05/19/2017: Exception Remains. PDF provided for Note contains 3 blank pages.5.24.17 - Lender provided complete note.

5.19.17 Exception Remains.5.24.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 11.94 years with current employer. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower employed 9.69 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.62%; maximum permitted is 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 is 58 points above the minimum required of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.56% is 15.44 points below the maximum permitted of 43%.

Complete

0694941669

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing documentation to complete the ATR/QM status determination review: Provide fully executed Final Seller's Settlement Statement for sale of departing residence at XXX , with net proceeds of $xxxxx (all copies are not notarized or signed by Borrower).

5/10/2017 - Lender provided the Final Settlement Statement for sale of departing residence of XXX.

5/10/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico score 778 exceeds guidelines requirements of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: The loan closed with an LTV of 42.33% and the max LTV was 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: The loan closed with an DTI of 29.39% and the max LTV was 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 45 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0694941669

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico score 778 exceeds guidelines requirements of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: The loan closed with an LTV of 42.33% and the max LTV was 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: The loan closed with an DTI of 29.39% and the max LTV was 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 45 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0694941669

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

CD shows 0% Tolerance Credit for $13.69 for the Credit Report Fee and 10% Tolerance Credit of $2.90 for Recording Fee, total credit of $16.59, however Lender gave Borrower credit to cure the issue.

(No Data)

05/02/2017: Exception satisfied as Non-Material as the Final CD corrected the issue.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico score 778 exceeds guidelines requirements of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: The loan closed with an LTV of 42.33% and the max LTV was 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: The loan closed with an DTI of 29.39% and the max LTV was 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 45 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0694941669

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2550

Missing HUD-1 from sale of property

No

Provide fully executed Final Seller's Settlement Statement for sale of departing residence at XXX , with net proceeds of $xxxxx (all copies are not notarized or signed by Borrower).

5/10/2017 - Lender provided the Final Settlement Statement for sale of departing residence of XXX.

5/10/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico score 778 exceeds guidelines requirements of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: The loan closed with an LTV of 42.33% and the max LTV was 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: The loan closed with an DTI of 29.39% and the max LTV was 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 45 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0025931241

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

D

A

B

B

D

B

CC

CB

VD

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD xx/xx/xxxx Calculating Cash to Close section (Alt Version) is $3680.63 which does not equate to the amount based on the Reg's formula of 430000 - 379162.15 - 47662.16 =3175.69

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 800 exceeds Program Guidelines of 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.80% is below Program Guidelines of 80.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 24 months PITI reserves; guidelines require 6 months

Complete

0025931241

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

D

A

B

B

D

B

CC

CB

VD

VA

RB

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Provide a VOE dated within 20 days of Note date. The Voe in file is dated xxx and the note date is xxx

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 800 exceeds Program Guidelines of 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.80% is below Program Guidelines of 80.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 24 months PITI reserves; guidelines require 6 months

Complete

0025931241

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

D

A

B

B

D

B

CC

CB

VD

VA

RB

RB

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC150

Income docs do not meet guidelines

No

Provide borrowers most recent pay stub. Paystub in file is dated 12.23.16.

5.30.17 Lender response Per Wells Fargo guidelines, the maximum age of documents on or before the date printed on the note is 120 days. The paystub check date is XXX and is within 120 days of the note date. Originally delivered in PDF on page 415.

5.30.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 800 exceeds Program Guidelines of 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.80% is below Program Guidelines of 80.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 24 months PITI reserves; guidelines require 6 months

Complete

0025931241

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

D

A

B

B

D

B

CC

CB

VD

VA

RB

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing desk review to support value of xxxxx.

5.22.17 Desk Review received valued at $xxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 800 exceeds Program Guidelines of 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.80% is below Program Guidelines of 80.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 24 months PITI reserves; guidelines require 6 months

Complete

0967102398

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

D

A

D

B

D

B

CC

CA

VD

VA

RD

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing documentation to complete the ATR/QM status determination review: Provide evidence of documents to support 2nd mortgage private note to parents with payment of $3,954.00.

5/9/17; Lender provided Private Note confirms payment.

5/9/17; Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.30 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 33.71%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $3,062,564.76 or 230.80 months PITIA reserves. 18 months PITIA required for the subject property as 2nd Home ($13,269.10 x 18= $238,843.80), 6 months PITI for the Primary Residence ($9,377.06 x 6= $56,262.36) totaling $295,106.16 total reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 qualifying score. Min required per guidelines is 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in their primary residence for 13.28 years.

Client Complete

0967102398

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

D

A

D

B

D

B

CC

CA

VD

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.30 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 33.71%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $3,062,564.76 or 230.80 months PITIA reserves. 18 months PITIA required for the subject property as 2nd Home ($13,269.10 x 18= $238,843.80), 6 months PITI for the Primary Residence ($9,377.06 x 6= $56,262.36) totaling $295,106.16 total reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 qualifying score. Min required per guidelines is 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in their primary residence for 13.28 years.

Client Complete

0967102398

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

D

A

D

B

D

B

CC

CA

VD

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

$166.56 cure on CD sufficient to cover increase in fees.

(No Data)

Exception satisfied as Non-Material as CD 03/18/2017 corrected the issue.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.30 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 33.71%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $3,062,564.76 or 230.80 months PITIA reserves. 18 months PITIA required for the subject property as 2nd Home ($13,269.10 x 18= $238,843.80), 6 months PITI for the Primary Residence ($9,377.06 x 6= $56,262.36) totaling $295,106.16 total reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 qualifying score. Min required per guidelines is 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in their primary residence for 13.28 years.

Client Complete

0967102398

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

D

A

D

B

D

B

CC

CA

VD

VA

RD

RB

Credit

Credit/Mtg History

Satisfied

C

A

CC

CA

CRDCRMH1805

Debts/obligations not disclosed/accounted for at origination

No

Provide evidence of documents to support 2nd mortgage private note to parents with payment of $3,954.00. The documents from the XXX Bank account ending #xxxxx only reflect that borrower pays $920.00 a month.

5/09/2017 - Lender provided the private note and proof of payment.

5/09/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.30 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 33.71%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $3,062,564.76 or 230.80 months PITIA reserves. 18 months PITIA required for the subject property as 2nd Home ($13,269.10 x 18= $238,843.80), 6 months PITI for the Primary Residence ($9,377.06 x 6= $56,262.36) totaling $295,106.16 total reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 qualifying score. Min required per guidelines is 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in their primary residence for 13.28 years.

Client Complete

0967102398

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

D

A

D

B

D

B

CC

CA

VD

VA

RD

RB

Property Valuations

Property

Satisfied

D

A

VD

VA

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Provide the Streamline Project Review Approval for the subject property indicated on the Underwriter Decision Summary.

5.23.2017 - Lender provided the Streamline Project Review Approval for the subject property indicated on the Underwriter Decision Summary.

5.23.2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.30 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 33.71%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $3,062,564.76 or 230.80 months PITIA reserves. 18 months PITIA required for the subject property as 2nd Home ($13,269.10 x 18= $238,843.80), 6 months PITI for the Primary Residence ($9,377.06 x 6= $56,262.36) totaling $295,106.16 total reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 qualifying score. Min required per guidelines is 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in their primary residence for 13.28 years.

Client Complete

0458751119

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 18 years 7 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 792 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 16.93% is below Program Guidelines of 43.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 73.36% is below Program Guidelines of 80.00% CFCFS1746: Significant housing expense reduction - Clayton Comments: Borrower has reduced the monthly housing expense by $532.14. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 8 years 4 months at the current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 36.86 months PITI reserves; guidelines require 12 months required for the subject property.

Complete

0458751119

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing desk review to support value of $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 18 years 7 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 792 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 16.93% is below Program Guidelines of 43.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 73.36% is below Program Guidelines of 80.00% CFCFS1746: Significant housing expense reduction - Clayton Comments: Borrower has reduced the monthly housing expense by $532.14. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 8 years 4 months at the current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 36.86 months PITI reserves; guidelines require 12 months required for the subject property.

Complete

0047063166

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

Borrower is a Foreign National L-1 and Co-Borrower is L-2 of which is not allowed per guidelines. Approved exception as the employer for Borrower will acquire necessary documentation to get the appropriate Visa for Borrower; Co-Borrower is not using any income to qualify. Approved exception noted however exception remains.

5.20.17 Lender provided Employer letter and copy of Visa L-1 for Borrower.

5.20.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 33.42%; max allowed DTI per guidelines is 43%.

Client Complete

0047063166

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

LTV/CLTV

Satisfied

C

A

CC

CA

CRDLTV3028

LTV Exceeds Guideline Requirement by 10% or more

No

20.00% LTV shortfall. The LTV of 80.00% is 20.00% > maximum LTV of 60.00% (Borrowers' are Foreign Nationals). In addition, loan amount up to $1,000,000. and loan amount is $xxxxx.

5.20.17 Lender provided documentation valid visa showing borrower is non permanent resident alien, not foreign national

5.20.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 33.42%; max allowed DTI per guidelines is 43%.

Client Complete

0116771282

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 805 exceeded the guideline requirement of 680 by 125 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV below Guideline requirements Borrowers LTV of 56.45% is under the guideline requirement of 80% by 23.55%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 57.69 months PITI reserves. 12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.50% DTI is below the maximum allowed DTI of 43%.

Complete

0329984103

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4243

TRID - CD: The Cash to Close amount disclosed in the CD Summary of Transactions section does not equal its component parts

No

CD xx/xx/xxxx: Summaries of Transaction Cash to Close from borrower shows $ 257173.15 which is not mathematically correct. Per review calculations, it should be $281463.15. Non-Numerical ErrorCan be satisfied non-material with client consent to Legacy TILA Cure 130(B), corrected post close CD, LOX, and verification sent to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.29%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32.16%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 777 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 32yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 72 months PITI cash reserves available.

Complete

0858423073

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 800 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.87% is below guidelines of 43.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 66.85% is below Program Guidelines of 80.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 13 years in the xxxxx profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 33.72 months PITI reserves; guidelines require 12 months

Client Complete

0076768572

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS has middle name.

5.9.17 Client WFHL approved to waive issues related to exact name matching on NMLS.

5.9.17 Final Grade B.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 797 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.41% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has 23 years in the same profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $110,479.47 or 35.30 months PITIA reserves. 12 months PITIA reserves required for the subject property ($3,130.05 x 12 = $37,560.60) total reserves required.

Client Complete

0076768572

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST3036

Assets reflect unsourced deposits

No

File is missing prior 2 months consecutive XXX Bank NA IRA account statements verifying the source of funds for deposits of $99,985 and $10,000 into xxxxx account #xxxxx.

05.11.17 Lender provided an account transaction statement covering Jan - Mar 2017, however, did not provide the source of the large deposits. 5/20/2017 - Lender provided the source of funds for deposits of $99,985 and $10,000 into xxxxx account #xxxxx.

5.20.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 797 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.41% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has 23 years in the same profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $110,479.47 or 35.30 months PITIA reserves. 12 months PITIA reserves required for the subject property ($3,130.05 x 12 = $37,560.60) total reserves required.

Client Complete

0076768572

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Assets

Satisfied

D

A

CD

CA

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Provide the 2/2017 statement of XXX Acct#xxxxxxxx.

05.11.17 Lender provided an account transaction statement covering Jan - Mar.2017 for acct #xxxxx

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 797 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.41% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has 23 years in the same profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $110,479.47 or 35.30 months PITIA reserves. 12 months PITIA reserves required for the subject property ($3,130.05 x 12 = $37,560.60) total reserves required.

Client Complete

0076768572

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Provide the Verbal VOE for the previous employer as Borrower's start date on the current job is 12/14/2015 from the Note signing date of XXX. The Final 1003 shows previous employer termination date of 12/31/2015. Guidelines require 2 year's verification of employment history.

05.11.17 Lender provided a copy of the W-2 for previous employer VVOE is not required for previous employer borrower has been in the same field of work for more than 2 years.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 797 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.41% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has 23 years in the same profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $110,479.47 or 35.30 months PITIA reserves. 12 months PITIA reserves required for the subject property ($3,130.05 x 12 = $37,560.60) total reserves required.

Client Complete

0463752631

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 32.74%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 808; minimum required credit score per guidelines is 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 61.85%; max allowed LTV per guidelines is 80%.

Complete

0463752631

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC3204

Income Documentation Missing

No

Provide the fully executed and dated Initial 4506-T form

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 32.74%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 808; minimum required credit score per guidelines is 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 61.85%; max allowed LTV per guidelines is 80%.

Complete

0463752631

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of xxxxxx.

5/10/2017 - Desk review received with a value of $xxxxxx. Original appraisal value is supported.

5/10/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 32.74%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 808; minimum required credit score per guidelines is 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 61.85%; max allowed LTV per guidelines is 80%.

Complete

0946149473

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed for 5.39 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 817 qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 24.44%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 188.39 months PITI, guidelines required 12 months PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.03%; max allowed per guidelines is 80%.

Client Complete

0894396186

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

B

A

B

A

CB

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file.

5.25.17 - Lender provided homeowners counseling disclosure 5.10.17

5.25.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 798; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 37.50%; max allowed DTI per guidelines is 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 10.83 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 8.22 years.

Client Complete

0894396186

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

B

A

B

A

CB

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not in file.

5.25.17 - Lender provided list of service providers 5.10.17

5.25.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 798; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 37.50%; max allowed DTI per guidelines is 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 10.83 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 8.22 years.

Client Complete

0894396186

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

B

A

B

A

CB

CA

VA

VA

RB

RA

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC3204

Income Documentation Missing

No

Provide the fully executed and dated Final 4506-T as only the Initial 4506-T located in the file.

5.20.17 Lender provided Final 4506-T 5.15.17

5.20.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 798; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 37.50%; max allowed DTI per guidelines is 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 10.83 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 8.22 years.

Client Complete

0761188894

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 815, 155 points above lender's minimum of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 68.97%. 11.03% below lender's max allowed of 80. CFCFS1736: Significant time at current residence - Clayton Comments: COT supports over 12 years of ownership in the subject.

Client Complete

0232782078

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.02% is 22.98% below the maximum of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified post closing reserves of $361,879.30 or 105.41 months PITI; 18 months PITI or $159,029.53 required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 803 exceeds guidelines of 680

Client Complete

0673178571

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The Loan Officer's name as it appears on the 1003, Note and Deed of Trust (XXX) does not match the name as it appears on the NMLS website (XXX

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 – Non-material exception.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided in their current residence 12+ years CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been same profession for 18+ years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI calculated as 33.60% is below guideline requirement of 43% by 9.40 points.

Client Complete

0424780066

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.4.17 - Client provided exception approval to accept NMLS name variation.

5.4.17 - Non-material exception,

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower is xxxxx at XXX for 16.5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' median credit score of 781 < minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI below 43%. DTI for borrowers is 25.51%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 21 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0443593931

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID3784

TRID - LE or CD increase in fees without valid change of circumstance

No

CD xx/xx/xxxx, section Other Cost, field Prepaid Interest - lender charged interest from xx/xx/xxxx, loan was disbursed on xx/xx/xxxx. Lender should refund one day interest to borrowerCD xx/xx/xxxx, section Summaries of transaction, field County Taxes - lender charged taxes from xx/xx/xxxx, loan was disbursed on xx/xx/xxxx. Lender should refund one day of taxes to borrower

5.24.17 - Lender's rebuttal: Disagree. The Taxes, Insurance and pre-paid Interest are not held to any tolerances and are considered unlimited fees; therefore, they are not included in our TRID Fee Tolerance testing. Fee increases in these categories would not result in an over tolerance refund being due to the customer. Disbursement date on Final CD executed by consumers on xx/xx/xxxx is xx/xx/xxxx. Per system of record, actual disbursement date is xxxxx. The inaccurate disbursement date on the Final CD is a technical defect that does not require remediation. Copy of system of record Closing Details screen with actual disbursement date of xxxxx is attached. - Per Clayton compliance department: In light of the incorrect date on the CD, there are two options: 1) redisclose CD with appropriate Disbursement Date (date funds were released to consumer); or 2) we need to evidence that the Consumer did not receive funds prior to the expiration of rescission (this can come in the form of a Final Settlement Itemization to evidence the actual date the funds were released to consumer by settlement agent).

5.24.17 - Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 777 exceeded the guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 33.87%, max allowed is 43.00%.

Complete

0443593931

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Application

Active

B

B

CB

CB

CRDAPP130

Application is incomplete

No

Final 100s is not legible; Declarations section and Government Monitoring section of final 1003, which is not legible is left blank

5.28.17 lenders rebuttal Unable to locate a Final Loan Application with Gov't monitoring information completed.

5.28.17 Application is incomplete. Please provide complete final executed application. Exception remains

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 777 exceeded the guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 33.87%, max allowed is 43.00%.

Complete

0393046819

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Minimum reserve requirement 12 mths PITI. ($6307/ $75,684). Total assets $273049.21/ 43.52 mths PITI. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit (798/781 - Primary wage earner 781) with no derogs, judgments or foreclosures. Paid all accts as agreed. Oldest tradeline 3/1993.

Client Complete

0768495334

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC796

Missing Title

No

File missing preliminary title report and/or commitment

5/09/2017 - Lender provided the Title Commitment.

5/09/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 27 yrs with current employer CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 12 mth PITI PCL required. 59.21 months verified.

Client Complete

0768495334

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Loan documents shows XXX . NMLS verification shows XXX , XXX.

5.4.17 - Client provided exception approval to accept NMLS name variation.

Final Grade B

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 27 yrs with current employer CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 12 mth PITI PCL required. 59.21 months verified.

Client Complete

0965932383

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Name of documents XXX was not listed on the NMLS.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 – Non-material exception.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 44.30% is 35.70% below the maximum LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 794 is 114 points higher than the required score of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Rental Mortgage history 32 months with 0 x 30. CFCFS2854: Significant time in profession - Clayton Comments: Has been in his profession for 9 years.

Complete

0965932383

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

CD

CB

VA

VA

RB

RB

Credit

Income/Employment

Active

D

B

CD

CB

CRDINC3204

Income Documentation Missing

No

Provide 2 year's verification of property management experience for the property at xxx. Exception approved 03/10/2017 by xxx as Borrower purchased this property with another party not on this loan. Exception approval noted however exception remains.

(No Data)

After further review, grade is non-material due to borrow has 20.1 months of xxx experience (6/2015 to 3/2017) Lease agreement in file with 4 months of bank statements showing receipt of rental income - Residual income $9,942.24 is sufficient. Housing ration 30.60% is 5% lower than max 36%. Borrower has demonstrated the ability to save-152 months PCL verses 12 month of PCL. Borrower has 62% equity position in rental property ($619,795/$1,000,000). All credit paid as agreed. LTV/CLTV 44.33% is 35.66% under max LTV 80%. Non-material exception remains.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 44.30% is 35.70% below the maximum LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 794 is 114 points higher than the required score of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Rental Mortgage history 32 months with 0 x 30. CFCFS2854: Significant time in profession - Clayton Comments: Has been in his profession for 9 years.

Complete

0037903115

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Missing supporting documentation for Verification of Rent from the Borrower's present address, located at XXX.

5.24.17 Lender provided bill pay transaction history showing rent payments.

5.24.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 20.06%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 774. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been a XXX at XXX for over 15 years.

Client Complete

0064103702

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing documentation required to complete QM analysis including most recent 2 years personal tax returns, balance sheet, and P&L.

05.18.17 Lender provided a copy of 2 years tax returns, P&L, and balance sheet for 2016 and 2017.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 770 exceeded the guideline requirement of 680 by 90 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has worked 17 years in her profession.

Client Complete

0064103702

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS website shows name as xxxxx.

5.22.17 - Client provided exception approval to accept NMLS name variation.

5.22.17 - Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 770 exceeded the guideline requirement of 680 by 90 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has worked 17 years in her profession.

Client Complete

0064103702

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Please provide home owners insurance for primary XXX.

05.18.17 Lender provided a copy of the HOI.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 770 exceeded the guideline requirement of 680 by 90 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has worked 17 years in her profession.

Client Complete

0064103702

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2408

Income verification does not meet guidelines

No

Missing 2014 and 2015 - 1040 for B1 and B2. Missing 2014 and 2015 W-2's. Missing Business Returns for B1 company.

05.18.17 Lender provided a copy of the 2014 and 2015 tax returns along with 2 years w-2. Business is schedule-C and is included with the 1040.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 770 exceeded the guideline requirement of 680 by 90 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has worked 17 years in her profession.

Client Complete

0064103702

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3258

Missing Profit and Loss statement for one or more Self Employed borrowers

No

Missing P&L for B1 schedule C business.

05.18.17 Lender provided a copy of the P&L for 2016 and 2017.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 770 exceeded the guideline requirement of 680 by 90 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has worked 17 years in her profession.

Client Complete

0064103702

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3260

Balance Sheet missing for one or more Self Employed borrowers

No

Missing balance sheet for B1 shcedule C business.

05.18.17 Lender provided a copy of the Balance Sheet for 2016 and 2017.

05.18.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 770 exceeded the guideline requirement of 680 by 90 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has worked 17 years in her profession.

Client Complete

0064103702

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

4.19.17 Desk Review received valued at $xxxxxx dated 4.19.17, value supported.

4.19.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 770 exceeded the guideline requirement of 680 by 90 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has worked 17 years in her profession.

Client Complete

0104834647

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

A

A

A

B

B

B

B

CB

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xx/xx/xxxx- xxxs Calculating Cash to Close amount ( 6373.89)differs from CD amount in calculation (5854.01). The difference is the POC amount $519.88

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.77% DTI; max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $0. Statements in file supported assets of $73,142.66 with reserves of $50,723.43.12 months reserves required or $35,839.56 ($35,839.56 x 12).

Complete

0104834647

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

A

A

A

B

B

B

B

CB

CA

VA

VA

RB

RB

Credit

Terms/Guidelines

Satisfied

B

A

CB

CA

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Subject transaction is Rate & Term refinance per submission; borrower received cash at closing of $4,237.55, a non-purchase money 2nd mortgage was paid off in the amount of $3,094.53, less POC fees of $519.88, for a total cash-out to borrower of $6,812.20; max LTV for cash-out refinance is 70%; subject LTV is 70.40%.

05.19.2017 - Lender responded that closing Disclosure dated xx/xx/xxxx reflects $4,237.55 cash received. Based on guideline requirements and loan amount of $440,000, borrower could receive $4,440 cash back at closing. Guidelines allow rate and term refinance to include (1) The amount of any subordinate lien that has been open at least 12 months (regardless of loan purpose); (2) The amount of a home equity line of credit in first or subordinate lien position that has been open at least 12 months and draws within the most recent 12 months do not exceed 2% of the new mortgage amount (regardless of loan purpose); (3) Incidental cash to the borrower not exceed 1% of the new mortgage loan amount. HELOC draw history (attached) confirms no draws prior 12 months; credit report and title confirm HELOC was opened in 2006.

05.19.2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.77% DTI; max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $0. Statements in file supported assets of $73,142.66 with reserves of $50,723.43.12 months reserves required or $35,839.56 ($35,839.56 x 12).

Complete

0153179307

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.40% DTI; max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $XXX. Statements in file supported assets of $633,518.97 with reserves of $253,272.78.12 months reserves required for the subject property ($3,783.94 x 12= $45,407.28) and 6 months for departing residence ($1,795.11 x 6 = $10,770.66) totaling $56,177.94 total reserves required. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower receives bonus income per employer letter and paystubs which is not used to qualify. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 53 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Complete

0885837781

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.94% is below max permitted 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 58.82% is below the max 80.00% LTV. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for over 22 years.

Client Complete

0308490700

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Provide third party desk review

4.19.17 Desk Review received valued at $xxxxxx dated 4/19/17, value supported.

4.19.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico scores 790/759 exceeds guidelines requirements of 720. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for over 14 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has reserves of $374,860 or 60 months of PITI reserves.

Client Complete

0347604491

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

D

A

A

A

D

A

CC

CA

VD

VA

RA

RA

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST3036

Assets reflect unsourced deposits

No

Un-sourced large deposit of $205,175.53 on 12/1/2016 to XXX account (xxxxxxx).

5.31.17 - Client provided the verification of the Un-sourced large deposit of $205,175.53 on 12/1/2016 to XXX account (xxxxx).

5.31.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is below guideline max 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 credit score is above minimum required 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5.30 years self-employment

Client Complete

0347604491

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

D

A

A

A

D

A

CC

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing 3rd party valuation supporting the original appraised value of $xxxxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is below guideline max 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 credit score is above minimum required 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5.30 years self-employment

Client Complete

0706222462

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS reflects Loan Originator's name as xxx, AKA xxx; documents reflect Loan Originator as XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.11% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 16.81 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession over 16 years.

Complete

0706222462

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

CA

CA

VD

VA

RB

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Provide desk review

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.11% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 16.81 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession over 16 years.

Complete

0278076877

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Provide third party desk review

4.19.17 Desk Review received valued at $xxxxxx+AH1248 dated 4.19.17, value supported.

4.19.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.37% is below the GL maximum of 80%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 30 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 710 credit score; minimum required is 680.

Client Complete

0701480937

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing the Homeownership Counseling List.

05.12.17 Lender provided a copy of the HOCL.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $102,930.88 or 29.64 months PITI reserves. Guidelines require 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 787. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.09% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 10 years.

Client Complete

0701480937

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing written list of service providers.

05.12.17 Lender provided a copy of the service provider list.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $102,930.88 or 29.64 months PITI reserves. Guidelines require 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 787. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.09% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 10 years.

Client Complete

0182324620

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66.41%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 752 is 72 points above the minimum required of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is 0 x 30 for 64 months; requirement is 0 x 30 for 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.78% is 11.22% < below the maximum permitted of 43%. CFCFS2854: Significant time in profession - Clayton Comments: - Primary borrower employed 12.08 years in the same profession.- Co-borrower employed 11.08 years in the same profession.

Client Complete

0520324877

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score of 800 is 120 points higher than the required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75.47% is 4.53% lower than the maximum LTV of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30% is 13% less than the maximum DTI of 43%.

Client Complete

0449741665

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.30% is 24.70% below guideline requirement of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.93% is 11.07% < guideline requirement of 43%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower have resided in current residence 5+ years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of 780 exceed guideline requirements of 680 by 100 points. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 61 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0957320562

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Terms/Guidelines

Active

B

B

CB

CB

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Per guidelines the maximum cash out on second home limited to $350,000. Cash out on this transaction is $632,943.20. Lender with exception for excessive cash out in file. Exception approval noted however exception remains.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided in current residence 7+ years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The midpoint credit score of the primary wage earner (782) exceed guideline requirements of 720 by 62 points. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for 15 years.

Complete

0527882355

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's median credit score of 791 is > minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 27.46% is 15.54% < maximum DTI of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $65,675.09 or 23.68 months PITI reserves. 12 months PITI reserves required for the subject property.

Client Complete

0943391969

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

DTI

Active

B

B

CB

CB

CRDDTI105

Debt Ratio Exception 5% or Less

No

Housing DTI of 37.23% exceeds Client guidelines maximum of 36% housing ratio.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower employed 15 years in same profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 811 is 131 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves are 73.73 months PITI; minimum required is 12 months.

Complete

0943391969

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2340

Employment verification does not meet guidelines

No

Missing a full 24 month employment history for B1. VVOE 3/23/17 with hire date of 9/30/16. Missing employment verification prior to cover two full years.Missing a full 24 month employment history for B2. VVOE 3/28/17 with a hire date of 9/8/15. VVOE states borrowers end date is 9/7/17. Provide LOE from employer if borrower is on a contract and continuance of employment.

(No Data)

Upon review by Sr. UW, borrowers are employed and tax returns support two year history with minor time off to travel. Br2 is on a doctorate fellowship and employment is expected to continue with increase in salary. Exception is deemed non-material.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower employed 15 years in same profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 811 is 131 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves are 73.73 months PITI; minimum required is 12 months.

Complete

0492842120

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes suffix, no name variation without suffix.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower xxxxx for 28.75 year with current employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 765 exceeded the guideline requirement of 680 by 85 points. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 62 months reviewed 0x30; the minimum required by guidelines is 12 months.

Client Complete

0059750561

XXXXXX

ID

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xx/xx/xxxx: Closing Costs Financed (paid from your loan amount) of $12012.30 does not match the review's verified amount of $11317.30.Non-Numerical ErrorCan be satisfied non-material with client consent to Legacy TILA Cure 130(B), corrected post close CD, LOX and verification sent to borrower.

5.30.17-Lender provided a rebuttal indicating they disagree. Lenders rebuttal: Disagree. The Wells Fargo Compliance Team does not validate the accuracy of the Closing Costs Financed (Paid from your Loan Amount) figure in the Calculating Cash to Close Table. However, per CFPB Guide to loan estimate and closing disclosure forms, Closing Costs Financed (Paid from your Loan Amount) is the sum of the amounts in the Final column of the Loan Amount and Total Payoffs and Payments. However, the amount is disclosed only if the sum is greater than zero and no larger than the Total Closing Costs (deducting the amount in the Final column of Closing Costs Paid Before Closing). (§ 1026.38(e)(6)). For this loan, the Closing Costs Financed (Paid from your Loan Amount) figure of $12,012.30 (the Total Closing Costs) disclosed on the Final CD dated xx/xx/xxxx is accurate because the Cash to Close to the borrower of $279,430.54 exceeds the Closing Costs Paid Before Closing of $695.00. This is not a testing defect so corrective action is not required.This is deficient:The regulation is clear on how to determine the amount financed by loan on the CD. CFPB rule 1026.38(J)(4)(ii):For purposes of this paragraph (j), closing funds means funds collected and disbursed at real estate closing. If we use the example provided to use by the CFPB documents you will see the amount of Closing Cost is charges not paid with closing funds and should be removed from total of Closing cost due to already being funded. Then the New Closing cost if loan is used to fund then that amount should be disclosed in the Closing Costs Financed (paid from your Loan Amount) not to be less than $0

5.30.17-Exception remains

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 54.17% id 15.83% lower than the maximum LTV of 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.18% is 9.82% below the maximum allowable DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 801 is 81 points higher than the required score of 720. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage has been paid as agreed for 65 months. CFCFS2854: Significant time in profession - Clayton Comments: Has been his profession for 21 years.

Complete

0059750561

XXXXXX

ID

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2488

Verbal verification of employment missing

No

Missing a 3rd party verification of business existence, dated within 20 business days of the Note date.

(No Data)

After further review, exception is non-material. Fille contains 2 years of income documentation, borrowers have 182 months PITI reserves, and excellent credit score of 801.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 54.17% id 15.83% lower than the maximum LTV of 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.18% is 9.82% below the maximum allowable DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 801 is 81 points higher than the required score of 720. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage has been paid as agreed for 65 months. CFCFS2854: Significant time in profession - Clayton Comments: Has been his profession for 21 years.

Complete

0198623356

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

CC

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xx/xx/xxxx: Closing Costs Financed (Paid from your loan amount) shows $7,397.42, review verified it should be $6,875.48. Non-Numerical Error.Can be satisfied non-material with client consent to Legacy TILA Cure 130(B), corrected post close CD, LOX, and verification sent to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Subject property owned 12.37 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower employed 10 years in the same profession. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.33%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 795 is 115 points above the minimum required of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is 0x30 for 84 months; requirement is 0x30 for 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.56% is 13.44% < the maximum permitted of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 49.32 months PITIA reserves. 12 months required.

Complete

0198623356

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

CC

CA

VA

VA

RB

RB

Credit

Terms/Guidelines

Satisfied

C

A

CC

CA

CRDTER3122

Loan documents do not meet guideline requirements

No

Condominium project review contains exception request for condominium project not meeting guideline requirements due to single owner owns over 10% (30%), and over 30% investor concentration (40%). Exception approval granted 03/21/2017 by xxxxx. Exception approval noted however exception remains.

5.15.17 Client rebuttal LVAM approved exception(s) - Condo one entity owning more than 10% and Condo investor concentration requirement. Both exceptions approved under the PCO delegated authority.

5.15.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Subject property owned 12.37 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower employed 10 years in the same profession. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 63.33%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 795 is 115 points above the minimum required of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is 0x30 for 84 months; requirement is 0x30 for 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.56% is 13.44% < the maximum permitted of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 49.32 months PITIA reserves. 12 months required.

Complete

0562050924

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 24.73, max is 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 791, minimum is 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 99.39 months verified reserves, only 12 months are required ($4115.64 X 12=$49,387.68)

Client Complete

0543141934

XXXXXX

OK

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in his profession. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrowers LTV of 67.24% is under the guideline requirement of 80% by 12.76%. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Complete

0366561147

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12.7 years with current employer CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 785.

Client Complete

0094392600

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes suffix (xxxxx), no name variation without suffix (xxxxx).

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 771 exceeded the guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 33.19%, max allowed 43.00%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as a xxxxx for 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $525,982.21 or 55.10 months PITI reserves. 12 months PITI reserves required for the subject property, 6 months PITI reserves required for the REO.

Complete

0094392600

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Legal Documents

Active

B

B

CB

CB

CRDLGL2996

Missing Trust Documents

No

Provide the Trust Agreement for The XXX Trust dated XXX as loan closed in a trust, only Trust Cert located in the file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 771 exceeded the guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 33.19%, max allowed 43.00%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as a xxxxx for 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $525,982.21 or 55.10 months PITI reserves. 12 months PITI reserves required for the subject property, 6 months PITI reserves required for the REO.

Complete

0094392600

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing CDA value to support $xxxxxx

5.22.17 Desk Review received valued at $xxxxxx dated 5.20.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 771 exceeded the guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 33.19%, max allowed 43.00%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as a xxxxx for 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $525,982.21 or 55.10 months PITI reserves. 12 months PITI reserves required for the subject property, 6 months PITI reserves required for the REO.

Complete

0698329521

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Missing List of homeowners counseling organizations.

5/15/17 - HOC List provided Dated 2/13

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 32 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 796 exceeded the guideline requirement of 680 by 116 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0698329521

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Missing Written List of Providers not provided.

5/15/17 - SPL provided Dated 2/13

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 32 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 796 exceeded the guideline requirement of 680 by 116 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0510199528

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

CA

CA

VA

VA

RC

RB

Compliance

Federal Consumer Protection

Active

C

B

RC

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

(No Data)

5.25.17 After further review by Senior Underwriter, docs do not have middle name but full name matches NMLS site. Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The median credit score of 767 is 87 more points than minimum required score of 680 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower XXX for 6.2 years with current employer. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers' have 216 months or 18 years of credit history at 0 x 30.

Complete

0447316518

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing documentation to complete the ATR/QM status determination review: - Verification of expenses not to exceed $278.20/month utilized in DTI for REO property XXX, XXX: 1) Evidence owned free and clear of mortgages; 2) Property tax expenses. Additional conditions may apply if mortgaged.

05.16.17 Lender provided a copy of a document from Mexico. Document is in Spanish and can not tell if the numbers are in USD or Pesos. Please provide a copy of the translated document. 05.30.17 - Lender provided a LOX, general translation sheet and the conversion assessment.

05.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower employed 24 years in the same profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 743 is 63 points above the minimum required of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.09% is 4.91 points below the maximum permitted of 43%.

Client Complete

0447316518

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Assets

Satisfied

B

A

CB

CA

CRDAST3036

Assets reflect unsourced deposits

No

Missing documentation to support the large deposit of $19,980 on 1/29/17 to XXX acct #xxxxx. Funds needed for cash to close and reserves.

5.24.17 Deposit is from XXX. This is 1099 income from self-employment. 2016 1099-MISC to support this income attached.

5.24.17 Exception satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower employed 24 years in the same profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 743 is 63 points above the minimum required of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.09% is 4.91 points below the maximum permitted of 43%.

Client Complete

0447316518

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of expenses not to exceed $278.20/month utilized in DTI for REO property at XXX, XXX - Evidence owned free and clear of mortgages - Property tax expenses Additional conditions may apply if mortgaged.

05.16.17 Lender provided a copy of a document from Mexico. Document is in Spanish and can not tell if the numbers are in USD or Pesos. Please provide a copy of the translated document. 05.30.17 - Lender provided a LOX, general translation sheet and the conversion assessment.

05.30.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower employed 24 years in the same profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 743 is 63 points above the minimum required of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.09% is 4.91 points below the maximum permitted of 43%.

Client Complete

0742380670

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS has middle name, or first and last name only.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 746 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.11% is below Program Guidelines of 43.00%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 5 years in their profession.Co-Borrower has 5 years in their profession.

Client Complete

0742380670

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Missing list of homeowners counseling organizations.

5.15.17- HOC list provided

5.15.17- condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 746 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.11% is below Program Guidelines of 43.00%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 5 years in their profession.Co-Borrower has 5 years in their profession.

Client Complete

0742380670

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Missing Written List of Providers.

5.15.17- SPL provided

5.15.17- Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 746 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.11% is below Program Guidelines of 43.00%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 5 years in their profession.Co-Borrower has 5 years in their profession.

Client Complete

0782746714

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

B

A

B

A

B

A

CA

CA

VB

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Home Owner's Counseling List is not in file.

5/15/17 - HOC List provided Dated 2/15

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 135 months PITI reserves available. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for over 10yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 18yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has been with current employer for over 22yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 18yrs.Co Borrower has been in current profession for 23yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 31.41%, the maximum DTI is 43%.

Client Complete

0782746714

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

B

A

B

A

B

A

CA

CA

VB

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Service Provider List is not in file.

5/15/17 - SPL provided Dated 2/15

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 135 months PITI reserves available. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for over 10yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 18yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has been with current employer for over 22yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 18yrs.Co Borrower has been in current profession for 23yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 31.41%, the maximum DTI is 43%.

Client Complete

0782746714

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

B

A

B

A

B

A

CA

CA

VB

VA

RB

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/17- Severe Winter Storms, Flooding, and Mudslides-. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.12.17 Post Disaster Inspection confirm no damages to property.

5.12.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 135 months PITI reserves available. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for over 10yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 18yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has been with current employer for over 22yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 18yrs.Co Borrower has been in current profession for 23yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 31.41%, the maximum DTI is 43%.

Client Complete

0552339713

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

CC

CB

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Earliest application is dated xxx, which is two days after the initial Loan Estimate.

(No Data)

5.21.17 Upon Further reivew Updated with corrected application date of xxx

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50.25%, 19.75% below lender's max of 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI allowed is 40%. Qualifying DTI is 28.50%, 11.50% below lender's max.

Complete

0552339713

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

CC

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: xxx, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value of $5473.05 is incorrect, the system is not considering the POC amount of $503.94. Numeric-Material Error, General Cure Provision available up to 60 days after discovery of the error via corrected CD. Timing issues cannot be cured, whereas delivery issues require proof of receipt by the borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50.25%, 19.75% below lender's max of 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI allowed is 40%. Qualifying DTI is 28.50%, 11.50% below lender's max.

Complete

0552339713

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

CC

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers dated xxx which is not 3 business days prior to RESPA dated xxx.

5.16.17 SPL provided dated xxx. exception satisfied

5.16.17-exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50.25%, 19.75% below lender's max of 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI allowed is 40%. Qualifying DTI is 28.50%, 11.50% below lender's max.

Complete

0552339713

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

CC

CB

VA

VA

RB

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2488

Verbal verification of employment missing

No

B is xxx, per GL's the following documents are acceptable for VOE however none were provided within 30 days of the note date: • Secretary of State website • Regulatory agency • Contractor or professional organization • CPA • Other available resources

5.21.17 Lender provide internal AUS; However still need to provide either • Secretary of State website,• Regulatory agency, • Contractor or professional organization,• CPA, or• Other available resources

5.21.17 Exception remains. Exception is non-material. File has 2 years history of income documentation, low DTI of 28%, over 403 months PITI, and high credit score of 778

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50.25%, 19.75% below lender's max of 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI allowed is 40%. Qualifying DTI is 28.50%, 11.50% below lender's max.

Complete

0552339713

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

CC

CB

VA

VA

RB

RB

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC150

Income docs do not meet guidelines

No

Missing initial executed 4506T at time of application.

5.21.17 Lender provided 4506-T

5.21.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50.25%, 19.75% below lender's max of 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI allowed is 40%. Qualifying DTI is 28.50%, 11.50% below lender's max.

Complete

0419965117

XXXXXX

NE

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Right of Rescission

Satisfied

B

A

RB

RA

CMPROR1909

Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor

No

Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue.

5.10.17: RoR provided is H9.

5.10.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 credit score; minimum required is 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Borrowers have 0x30 mortgage history for the last 30 months. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has been in the same profession for 20.5 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for over 17 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 20.39% DTI is below the maximum allowed DTI of 43%.

Complete

0419965117

XXXXXX

NE

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

Lender included $584.88 POC in the Closing Costs Financed.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 credit score; minimum required is 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Borrowers have 0x30 mortgage history for the last 30 months. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has been in the same profession for 20.5 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for over 17 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: 20.39% DTI is below the maximum allowed DTI of 43%.

Complete

0182205318

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation supporting original appraised value of $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 735; minimum required per guidelines is 680. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0166947466

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

CC

CA

VA

VA

RA

RA

Credit

LTV/CLTV

Satisfied

C

A

CC

CA

CRDLTV3028

LTV Exceeds Guideline Requirement by 10% or more

No

20.00% LTV shortfall. The LTV of 80.00% is 20.00% > maximum LTV of 60.00% (Borrower is a Foreign National).

5.26.17 - Borrower is not a Foreign National; borrower is a Non-Permanent Resident Alien who possesses a valid Visa with an acceptable Visa class, a work authorization, and evidence the application for extension of stay has been approved (attached). There was no exception to the LTV guideline requirements.

5.26.17 - Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 36.21%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 748; minimum required credit score per guidelines is 700.

Client Complete

0128796492

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 759. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 14 years in profession.

Complete

0406031293

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

B

A

D

A

CD

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Provide the homeownership counseling list.

5.15.17- HOC list provided

5.15.17- Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 credit score exceeds guideline minimum of 680 by 116 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is 10% less than the maximum program LTV of 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 58 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0406031293

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

B

A

D

A

CD

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Provide the written list of service providers.

5.15.17- SPL provided

5.15.17- Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 credit score exceeds guideline minimum of 680 by 116 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is 10% less than the maximum program LTV of 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 58 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0406031293

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

B

A

D

A

CD

CA

VA

VA

RB

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Provide the fully executed Final 4506-T

5.20.17 Lender provided Final 4506-T

5.20.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 credit score exceeds guideline minimum of 680 by 116 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is 10% less than the maximum program LTV of 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 58 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0136622356

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer’s name on the Note, Mortgage, and the 1003 is XXX. The NMLS database verified the loan officer’s name as XXX, XXX,XXX, and XXX . The Reg-Z requirement is for the Originator’s name to match the NMLS website exactly.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 – Non-material exception.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for 23.17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 credit score; minimum required is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower's have verified cash reserves of $328,711.58 or 61.80 months PITIA; GL's require 12 mos PITIA or $39,751.20($3,312.60 x 12).

Client Complete

0725047023

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

5.15.17- HOC list provided

5.15.17-condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 803 exceeded the guideline requirement of 680 by 123 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 15.23 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 96.46 months PITI reserves. 12 months PITIA required for the subject property, 6 months for the departing residence and 6 months required for the REO property. CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.14% DTI is below the maximum allowed DTI of 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 99 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0725047023

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

5.15.17-Spl Provided

5.15.17-condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 803 exceeded the guideline requirement of 680 by 123 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 15.23 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 96.46 months PITI reserves. 12 months PITIA required for the subject property, 6 months for the departing residence and 6 months required for the REO property. CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.14% DTI is below the maximum allowed DTI of 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 99 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0725047023

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing xxxxx

05.18.17 Clear Capital CDA report was provided that support original appraised value.

5.8.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 803 exceeded the guideline requirement of 680 by 123 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 15.23 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 96.46 months PITI reserves. 12 months PITIA required for the subject property, 6 months for the departing residence and 6 months required for the REO property. CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.14% DTI is below the maximum allowed DTI of 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 99 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0211316149

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS has middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.17% LTV is 19.83% less than the maximum program LTV of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.54% DTI is below the maximum allowed DTI of 43%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage paid as agreed for 84 months with 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.16 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in the subject for 15.88 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 713 is 33 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 24.27 months PITI reserves. 12 months required.

Client Complete

0211316149

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file.

5/15/17 - HOC List provided Dated xxx

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.17% LTV is 19.83% less than the maximum program LTV of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.54% DTI is below the maximum allowed DTI of 43%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage paid as agreed for 84 months with 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.16 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in the subject for 15.88 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 713 is 33 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 24.27 months PITI reserves. 12 months required.

Client Complete

0211316149

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

Missing Right of Rescission form.

5/15/17 - Signed ROR for all Borrowers Provided

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.17% LTV is 19.83% less than the maximum program LTV of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.54% DTI is below the maximum allowed DTI of 43%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage paid as agreed for 84 months with 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.16 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in the subject for 15.88 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 713 is 33 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 24.27 months PITI reserves. 12 months required.

Client Complete

0211316149

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File missing Written List of Providers.

5/15/17 - SPL provided Dated xxx

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.17% LTV is 19.83% less than the maximum program LTV of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.54% DTI is below the maximum allowed DTI of 43%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage paid as agreed for 84 months with 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.16 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in the subject for 15.88 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 713 is 33 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 24.27 months PITI reserves. 12 months required.

Client Complete

0211316149

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Credit

Legal Documents

Satisfied

B

A

CB

CA

CRDLGL2644

Missing proof there were no draws on HELOC in the last 12 months > $2,000

No

File is missing verification there were no draws on the HELOC paid off at closing in the last 12 months. Subject loan closed as a rate and term refinance.

5.20.17 Lender provided cbr which shows 12 month history with no draws.

5.20.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.17% LTV is 19.83% less than the maximum program LTV of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.54% DTI is below the maximum allowed DTI of 43%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage paid as agreed for 84 months with 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.16 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in the subject for 15.88 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 713 is 33 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 24.27 months PITI reserves. 12 months required.

Client Complete

0211316149

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

CB

CA

VA

VA

RD

RB

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Provide a copy of the CDA.

05.10.17 CDA report was provided to support original appraised value

5.10.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.17% LTV is 19.83% less than the maximum program LTV of 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.54% DTI is below the maximum allowed DTI of 43%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage paid as agreed for 84 months with 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 5.16 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived in the subject for 15.88 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 713 is 33 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 24.27 months PITI reserves. 12 months required.

Client Complete

0294899031

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Legal Documents

Active

B

B

CB

CB

CRDLGL4033

Missing Legal Document(s)

No

Missing Windstorm policy shown on final CD escrowed at $247.83 per month; annual premium collected in the amount of $2,974.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $166,702.80 or 63.29 months PITI reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 credit score; minimum required is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 10.37 years.

Complete

0212111315

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xx/xx/xxxx, Calculation Cash to Close shows closing cost finances as $6929.61. The system calculated closing costs financed at $6415.19. The borrower paid $524.88 before closing. This amount does not appear as deducted from the total.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.95 DTI below guideline requirement of 43. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 24 month mortgage history exceeds 12 month guideline.

Complete

0212111315

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

CA

CA

VB

VA

RB

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

FEMA effective 2/23 for severe winter storm, flooding and mudslides, declared 4/1/17. Subject closed xx/xx/xx, prior to declaration.

5.9.17 Post Disaster Inspection provided reflecting no damage.

5.9.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.95 DTI below guideline requirement of 43. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 24 month mortgage history exceeds 12 month guideline.

Complete

0015019535

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP130

Application is incomplete

No

Missing evidence of subject property tax estimate not to exceed $507.13/month. Per guidelines, property tax to be estimated as improved property. Subject is new construction. Unable to determine from file documents the basis for the estimated taxes.

5.24.17 Lender provided details of how estimated taxes are calculated.

5.24.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence owned 13.82 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 21.19 years with current employer. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower employed 18.83 years with current employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 763 is 83 points above the minimum required of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.70% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves are 33.70 months PITI; minimum required is 18 months.

Client Complete

0014293133

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 796, minimum allowed is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 254 months PITI reserves.

Client Complete

0821015942

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Home Owner's Counseling list is not in file.

05.15.17 Home Owners Counseling list was provided.

05.15.2017 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer for the past 18.2 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with current employer for the past 10.20 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 800 exceeded the guideline requirement of 680.

Client Complete

0821015942

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Service Provider list is not in file.

05.10.17 Client provided SPL.

05.10.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer for the past 18.2 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with current employer for the past 10.20 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 800 exceeded the guideline requirement of 680.

Client Complete

0821015942

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

10% tolerance fee increase between LE xxx and CD xxx by $27.90. The Recording-Mortgage fee increased without valid documentation. Lender included a credit on the same CD for $27.90.

(No Data)

05/10/2017: Exception satisfied as Non-Material since the tolerance error was corrected on the same CD.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer for the past 18.2 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with current employer for the past 10.20 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 800 exceeded the guideline requirement of 680.

Client Complete

0242975166

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.20% DTI; max per guidelines is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV; max per guidelines is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $352,242.34. Statements in file supported assets of $762,348.98 with reserves of $410,106.64. 12 months reserves required or $58,686.60 ($4,890.55 x 12).

Client Complete

0932237230

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Provide the fully executed and dated Notary from the Mortgage for the subject property as the document is blank when opening up.

05.11.17 Lender provided a copy of the fully executed mortgage, signed and notarized.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.97% DTI; max per guidelines is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.94% LTV; max per guidelines is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $254,263.48. Statements in file supported assets of $577,646.63 with reserves of $323,383.15. 12 months reserves required or $52,362.96 ($3,086.39 x 12).

Client Complete

0932237230

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Provide the fully executed Final 4506-T as the document is blank when opening up.

05.11.17 Lender provided a copy of the signed 4506T.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.97% DTI; max per guidelines is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.94% LTV; max per guidelines is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $254,263.48. Statements in file supported assets of $577,646.63 with reserves of $323,383.15. 12 months reserves required or $52,362.96 ($3,086.39 x 12).

Client Complete

0932237230

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2864

Copy of Mortgage/Deed in file is incomplete

No

Provide the fully executed and dated Mortgage and or any/all Rider(s) if applicable for the subject property as the document is blank when opening up.

05.11.17 Lender provided a copy of the fully executed mortgage, signed and notarized.

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.97% DTI; max per guidelines is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.94% LTV; max per guidelines is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $254,263.48. Statements in file supported assets of $577,646.63 with reserves of $323,383.15. 12 months reserves required or $52,362.96 ($3,086.39 x 12).

Client Complete

0603493435

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The individual loan originator's name on the file documents does not match the NMLS license name. The file documents include only the middle initial, and the license name spells out the middle name in full.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower employed 8 years in the same profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 782 is 102 points above the minimum required of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.96% < maximum DTI of 43.00%.

Complete

0603493435

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Assets

Active

B

B

CB

CB

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Missing documentation required per guidelines for liquidation of investment funds from xxxxx acct #xxxxx in the amount of $7,326.81 for cash to close: EMD not cleared $41,500 + Cash to Close of $131,515.81 = $173,015.81 less liquid funds of $165,689 (xxxxx #xxxxx $6,325.64 + xxxxx #xxxxx $2,498.37 + xxxxx #xxxxx $145,584.07 +xxxxx #xxxxx $11,280.92). File contains approval of waiver of liquidation noted on lender's Underwriting Decision Summary.

5.26.17 - Lender response "Per lender guidelines, the underwriter may use judgment in requiring proof of liquidation of publicly traded stocks, bonds, mutual funds United States government securities."

5.26.17 exception remains.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower employed 8 years in the same profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 782 is 102 points above the minimum required of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.96% < maximum DTI of 43.00%.

Complete

0603493435

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH1805

Debts/obligations not disclosed/accounted for at origination

No

2015 IRS transcripts show Sch E loss, no documentation in file that the borrower no longer owns the property related to this rent loss and rent loss was not included in DTI.

5.25.17 - Lender response "It appears this property was sold according to the 2015 IRS transcripts. See page 10, Form 4797." Form 4797 indicates sale of business property however unable to determine if this is the property reflected on schedule E.

5.25.17 Exception remains. This exception is non-material borrowers have low 24.96% DTI, and high credit score of 782

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower employed 8 years in the same profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 782 is 102 points above the minimum required of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.96% < maximum DTI of 43.00%.

Complete

0647450821

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Provide third party desk review

5/11/2017 - Desk review received with a value of $xxxxxx. Original appraisal value supported.

5/11/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 41 months reserves exceeds guideline requirement of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 credit score exceeds guideline minimum of 680 by 91 points.

Client Complete

0690880566

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The Closing Costs Financed value of $3231.96 on the Calculating Cash to Close table of CD xx/xx/xxxx does not match the Clayton Calculation of $2536.96 since the Closing Costs Paid Before Closing amount was not subtracted from the Total Closing Costs.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 33.80%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 24.08%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 799; minimum required credit score per guidelines is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $0. HELOC $2.1M+ Subject loan $xxxxx + REO $350K ($3.63M)/ Per GL's When aggregate financing for all properties owned by borrower exceeds $3 million, one of the following must be met: *Minimum reserves of 36 months PITI. *Maximum 50% LTV / CLTV. $19,962.33X36=$718,643.88. Statements in file supports assets of $1,094,106.14. xxxxx supports accumulation values of $190,398.45 + $241,010.15 = $431,408.60. Retirement @60% is $397,618.52 can be used for the 50% of the PCL req'd, and supports the additional PCL req'd of $287,235.28.

Complete

0690880566

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Credit

LTV/CLTV

Active

B

B

CB

CB

CRDLTV3030

CLTV Exceeds Guideline Requirement by less than 5%

No

CLTV is 66.94%. Maximum CLTV is 65%. Lender's exception on UW Decision summary states LTV/CLTV max allowed is 65%

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 33.80%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 24.08%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 799; minimum required credit score per guidelines is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $0. HELOC $2.1M+ Subject loan $xxxxx + REO $350K ($3.63M)/ Per GL's When aggregate financing for all properties owned by borrower exceeds $3 million, one of the following must be met: *Minimum reserves of 36 months PITI. *Maximum 50% LTV / CLTV. $19,962.33X36=$718,643.88. Statements in file supports assets of $1,094,106.14. xxxxx supports accumulation values of $190,398.45 + $241,010.15 = $431,408.60. Retirement @60% is $397,618.52 can be used for the 50% of the PCL req'd, and supports the additional PCL req'd of $287,235.28.

Complete

0690880566

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Credit

LTV/CLTV

Active

B

B

CB

CB

CRDLTV3256

HCLTV Exceeds Guideline Requirement by less than 5%

No

CLTV is 66.94%. Maximum CLTV is 65%. Lender's exception on UW Decision summary states LTV/CLTV max allowed is 65%

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 33.80%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 24.08%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 799; minimum required credit score per guidelines is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $0. HELOC $2.1M+ Subject loan $xxxxx + REO $350K ($3.63M)/ Per GL's When aggregate financing for all properties owned by borrower exceeds $3 million, one of the following must be met: *Minimum reserves of 36 months PITI. *Maximum 50% LTV / CLTV. $19,962.33X36=$718,643.88. Statements in file supports assets of $1,094,106.14. xxxxx supports accumulation values of $190,398.45 + $241,010.15 = $431,408.60. Retirement @60% is $397,618.52 can be used for the 50% of the PCL req'd, and supports the additional PCL req'd of $287,235.28.

Complete

0690880566

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

CB

CB

VD

VA

RB

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Pending receipt of the desk review supporting the original appraised value of $xxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 33.80%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 24.08%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 799; minimum required credit score per guidelines is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $0. HELOC $2.1M+ Subject loan $xxxxx + REO $350K ($3.63M)/ Per GL's When aggregate financing for all properties owned by borrower exceeds $3 million, one of the following must be met: *Minimum reserves of 36 months PITI. *Maximum 50% LTV / CLTV. $19,962.33X36=$718,643.88. Statements in file supports assets of $1,094,106.14. xxxxx supports accumulation values of $190,398.45 + $241,010.15 = $431,408.60. Retirement @60% is $397,618.52 can be used for the 50% of the PCL req'd, and supports the additional PCL req'd of $287,235.28.

Complete

0262397850

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing homeownership counseling list.

5.15.17- HOC provided

5.15.17- Condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 105 months reserves exceeds guideline requirement of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 credit score exceeds guideline minimum of 680 by 117 points.

Client Complete

0262397850

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing written list of service providers.

5.15.17- SPL provided

5.15.17-condition satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 105 months reserves exceeds guideline requirement of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 credit score exceeds guideline minimum of 680 by 117 points.

Client Complete

0181021468

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file.

5/15/17 - HOC List provided Dated 2/9

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 759 exceeded the guideline requirement of 680 by 79 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 6.11 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 87.51 months PITI reserves. 12 months required.

Client Complete

0181021468

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

Missing Right of Rescission form.

5/15/17 - Signed ROR Form for both Borrowers provided

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 759 exceeded the guideline requirement of 680 by 79 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 6.11 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 87.51 months PITI reserves. 12 months required.

Client Complete

0181021468

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided.

5/15/17 - SPL provided Dated 2/9

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 759 exceeded the guideline requirement of 680 by 79 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 6.11 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 87.51 months PITI reserves. 12 months required.

Client Complete

0702914997

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Provide the Home Owner's Counseling Organizations list within 3 business days from the initial loan application date.

05.12.17 Lender provided a copy of the HOCL.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.17% is 15.83% lower than the maximum DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: B1's Median score of 815 is 135 points above the required score of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Current mortgage history rated 48 months with 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 25.83 months PITI reserves. 12 months required. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 6.54 years.

Client Complete

0702914997

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Provide the Written List of Providers within 3 business days of the initial loan application date.

05.12.17 Lender provided a copy of the service provider list.

05.12.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.17% is 15.83% lower than the maximum DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: B1's Median score of 815 is 135 points above the required score of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Current mortgage history rated 48 months with 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 25.83 months PITI reserves. 12 months required. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 6.54 years.

Client Complete

0334609891

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

N/A

A

N/A

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Provide verification for all components of PITI for XXX property

5.16.17 Lender provided mortgage statement for XXX

5.16.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 779 exceeds Program Guidelines of 680.

Client Complete

0334609891

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Provide VOM for: 1) XXX- Acct# - xxxxxxxx for the XXX 2) Mortgage for the XXX.

5.16.17 Lender provided mortgage statement for XXX. 5.16.17 Lender provided mortgage statement for XXX

5.16.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 779 exceeds Program Guidelines of 680.

Client Complete

0334609891

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

DTI

Satisfied

D

A

CD

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Provide verification for all components of the PITI for the XXX.

5.16.17 Lender provided mortgage statement for XXX

5.16.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 779 exceeds Program Guidelines of 680.

Client Complete

0334609891

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Provide 2 monthly bank statements reflecting receipt of the SSI.

5.16.17 Lender provided SSI Award Letter dated 2/9/17 to prove receiving

5.16.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 779 exceeds Program Guidelines of 680.

Client Complete

0774371873

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 796 is 116 points above the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.83% is 5.17% below the maximum DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in the same profession for 19.20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $1,252,431.10 or 311.35 PITIA months. 18 months PITIA required for the subject property 2nd Home Property.

Client Complete

0240658470

XXXXXX

IA

QM: Safe Harbor

QM: Safe Harbor

A

B

A

A

A

A

A

B

A

B

CA

CA

VA

VA

RA

RB

Compliance

Federal Consumer Protection

Waived

N/A

B

N/A

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.9.17 Client xxx approved to waive issues related to exact name matching on NMLS.

5.9.17 – Docs do not have middle name but full name matches NMLS site. Non-material exception.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 32.71%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 75.00%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 793; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxx for 9.7 years.

Client Complete

0240658470

XXXXXX

IA

QM: Safe Harbor

QM: Safe Harbor

A

B

A

A

A

A

A

B

A

B

CA

CA

VA

VA

RA

RB

Credit

Income/Employment

Satisfied

N/A

A

N/A

CA

CRDINC3204

Income Documentation Missing

No

Provide the fully executed Initial 4506-T as it is blank.

5/10/2017 - Lender provided the fully executed Initial 4506-T as it is blank.

5/10/2017 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 32.71%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 75.00%; max allowed LTV per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 793; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower xxx for 9.7 years.

Client Complete

0247185195

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 738; minimum required credit score per guidelines is 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Borrower's credit report discloses a 0x30; 51 month mortgage history. CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 34.11% < maximum DTI of 43.00%.

Client Complete

0858951157

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xx/xx/xxxx: Closing Costs Financed (Paid from your loan amount) of $3629.87 does not match review's verified amount of $3545.64.Non-Numerical ErrorCan be satisfied non-material with client consent to Legacy TILA Cure 130(B), corrected post close CD, LOX, and verification sent to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Statements in file supported assets of $330,603.15 with reserves of $205,337.79 or 79.87 months PITI; per guidelines, 12 months PITI reserves required.($2,571.01 x 12 = $30,852.12). CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for over 33yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has owned current business for over 20yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 39yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 773, minimum score required is 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 55.19%, maximum per guidelines is 80%.

Complete

0858951157

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2488

Verbal verification of employment missing

No

Missing VVOE for Borrower 1 Self Employment dated within 30 days of the note date; Note date is XXX.

5.30.17 Lender provided internal documentation screen printout. Need a VVoe for B1.

5.30.17 Exception remains.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Statements in file supported assets of $330,603.15 with reserves of $205,337.79 or 79.87 months PITI; per guidelines, 12 months PITI reserves required.($2,571.01 x 12 = $30,852.12). CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for over 33yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has owned current business for over 20yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 39yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 773, minimum score required is 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 55.19%, maximum per guidelines is 80%.

Complete

0607196369

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers owned departure residence for 11.67 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 credit score; minimum required is 720. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 21.5 years.

Client Complete

0638856255

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

B

A

A

A

B

A

CA

CA

VB

VA

RA

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/2017- Severe Winter Storms, Flooding and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.15.17 Post Disaster Inspection confirm no damages to property.

5.15.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 799 is 119 points above the minimum required of 680.

Client Complete

0298446113

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional verified income (bonus) that is not being used to qualified, CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The midpoint credit score of 806 exceed guideline requirement of 720 by 114 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI of 30.37 is below guideline requirement of 43% by 12.63 points CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession 10+ years.

Client Complete

0378140285

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

The fully executed Mortgage is not in file; notary status is incomplete.

5.30.17 - Client provided the fully executed Mortgage, including the completed Notary section.

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.36 DTI is below the guideline requirement of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 37.50 LTV is below the guideline requirement of 70%.

Complete

0378140285

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

The fully executed Mortgage is not in file.

5.30.17 - Client provided the fully executed Mortgage

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.36 DTI is below the guideline requirement of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 37.50 LTV is below the guideline requirement of 70%.

Complete

0378140285

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD dated xx/xx/xxxx, Calculating Cash to Close, Closing Costs Financed value is $5,368.79; Calculating Cash to Close, Clayton Calculation value is $4,718.941; the difference is $649.88 which is the amount paid by the borrow before closing.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.36 DTI is below the guideline requirement of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 37.50 LTV is below the guideline requirement of 70%.

Complete

0378140285

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP130

Application is incomplete

No

Final application is missing signatures and dates per guideline requirements.

5.30.17 - Client provided the Final Application including the required signatures.

5.30.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.36 DTI is below the guideline requirement of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 37.50 LTV is below the guideline requirement of 70%.

Complete

0378140285

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Provide desk review.

5.22.17 Desk Review received valued at $XXXXX dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.36 DTI is below the guideline requirement of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 37.50 LTV is below the guideline requirement of 70%.

Complete

0378140285

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

D

B

D

B

CD

CA

VD

VA

RD

RB

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No subsequent property inspection completed after FEMA Disaster Declaration #xxxxx 2/14/2017 & xxxxx 4/1/2017, Severe Winter Storms, Flooding, and Mudslides.

5.28.17 Post Disaster Inspection confirm no damages to property.

5.28.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.36 DTI is below the guideline requirement of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 37.50 LTV is below the guideline requirement of 70%.

Complete

0131405959

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

CB

CB

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Notary signature and date missing from mortgage (blank when opened up).

5.25.17 Lender provided signed mortgage.

5.25.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 25 years 3 months at the current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 5 years 9 months at their current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 770 exceeds Program Guidelines of 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 23 years at the current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 108.32 months PITI reserves; guidelines require 18 months (Second Home).

Complete

0131405959

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

CB

CB

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Mortgage not signed by borrowers. Also missing Signed 2nd Home Rider (blank when opened up).

5.25.17 Lender provided signed mortgage.

5.25.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 25 years 3 months at the current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 5 years 9 months at their current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 770 exceeds Program Guidelines of 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 23 years at the current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 108.32 months PITI reserves; guidelines require 18 months (Second Home).

Complete

0131405959

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

CB

CB

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

CD shows 0% Tolerance Credit for $143, Appraisal Fee increase of $125 in Tolerance, no other Tolerance violation found. Credit of $143 is sufficient.

(No Data)

5.22.17: Exception satisfied as Non-Material as the Final CD corrected the issue.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 25 years 3 months at the current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 5 years 9 months at their current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 770 exceeds Program Guidelines of 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 23 years at the current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 108.32 months PITI reserves; guidelines require 18 months (Second Home).

Complete

0131405959

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

CB

CB

VA

VA

RD

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC3204

Income Documentation Missing

No

Provide the fully executed and dated Final 4506-T form as blank when opened up.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 25 years 3 months at the current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 5 years 9 months at their current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 770 exceeds Program Guidelines of 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 23 years at the current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 108.32 months PITI reserves; guidelines require 18 months (Second Home).

Complete

0062653660

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xx/xx/xxxx Calculating Cash to Close section, Closing Costs Financed (paid from your loan amount) does equal the difference of the Total Closing Costs (J) less Closing Costs Paid Before Close.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years 1 month at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 779 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.79% is below Program Guidelines of 43.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 11 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $658,643.42 or 96.24 months PITI reserves; per guidelines, 12 mo. PITI required.

Complete

0062653660

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Provide a mortgage payment history or VOM from XXX for loan #xxxxxxxx.

5.20.17 Lender provided XXX statement, which doesn't show pay history. Please provide vom or pay history.

5.20.17 Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years 1 month at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 779 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.79% is below Program Guidelines of 43.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 11 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $658,643.42 or 96.24 months PITI reserves; per guidelines, 12 mo. PITI required.

Complete

0062653660

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Terms/Guidelines

Active

B

B

CB

CB

CRDTER127

Payment shock does not meet guidelines

No

Payment shock exceeds guidelines of 200%. Due to property purchased and renovated using Business LOC.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years 1 month at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 779 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.79% is below Program Guidelines of 43.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 11 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $658,643.42 or 96.24 months PITI reserves; per guidelines, 12 mo. PITI required.

Complete

0062653660

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Terms/Guidelines

Satisfied

B

A

CB

CA

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Cash out of $994,381.18 exceeds the maximum per guidelines of $500,000 with LTV < 65%. Lender with cash out exception approval in file.

5.20.16 Lender provided guidelines which show loans up to $3 million and LTV 65% or less max cash out is $1 million.

5.20.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years 1 month at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 779 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.79% is below Program Guidelines of 43.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 11 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $658,643.42 or 96.24 months PITI reserves; per guidelines, 12 mo. PITI required.

Complete

0390237758

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. NMLS has middle name.

5.10.17 Client WFHL waive issues related to exact name matches on NMLS.

5.10.17 Final Grade B.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 9 years 9 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 807 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 19.84% is below Program Guidelines of 43.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.40% is below Program Guidelines of 80.00% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 39.26 months PITI reserves; guidelines require 12 months

Client Complete

0073986251

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH119

Consumer lates exceed guidelines

No

Borrowers' have 2 x 90 derogatory with xxx account ending #xxx 12/2016 & 01/2017 without a LOE.

5.24.17 received LOE for derogatory credit per guidelines.

5.24.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 19.52 months PITI reserves. 12 months PITI reserves required for the subject property. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for 12.70 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 11.30 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co Borrower has been with current employer for 10.1 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 23.70% < maximum DTI of 43.00%.

Client Complete

0157787246

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 730, minimum credit score required is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20 years at current job.

Client Complete

0971909691

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.23% is below the GL maximum of 80%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 8 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 credit score; minimum required is 680.

Client Complete

0303552074

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The individual loan originator's name on the file documents does not match the NMLS license name. The license name states the full middle name, and the file documents state only the middle initial.

5.10.17 Client WFHL waive issues related to exact name matches on NMLS.

5.10.17 Final Grade B.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower employed 27.17 years with current employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 803 is 123 points above the minimum required of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 17.83% is 25.17 points below the maximum permitted of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves are 87.23 months; minimum required is 12 months.

Client Complete

0303552074

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Missing the initial 4506T signed by borrower, required per guidelines.

05.11.17 Lender provided a copy of the signed 4506T

05.11.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower employed 27.17 years with current employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 803 is 123 points above the minimum required of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 17.83% is 25.17 points below the maximum permitted of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves are 87.23 months; minimum required is 12 months.

Client Complete

0143654006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Name per loan docs: XXX Name per NMLS: XXX, XXX, XXX

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 – Non-material exception.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 53.79%, max is 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 790, minimum is 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32.16%, max is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 72.38 months verified post clsg reserves, 12 months required ($4,192.64 X 12=$50,311.68)

Client Complete

0143654006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

5/15/17 - HOC List provided Dated 2/9

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 53.79%, max is 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 790, minimum is 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32.16%, max is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 72.38 months verified post clsg reserves, 12 months required ($4,192.64 X 12=$50,311.68)

Client Complete

0143654006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

Right of Rescission

Satisfied

D

A

RD

RA

CMPROR113

ROR - Missing Right of Rescission form

No

Missing Right of Rescission form

5/15/17Signed ROR Provided

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 53.79%, max is 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 790, minimum is 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32.16%, max is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 72.38 months verified post clsg reserves, 12 months required ($4,192.64 X 12=$50,311.68)

Client Complete

0143654006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

CA

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Service Provider list is not in file.

5/15/17 - SPL provided Dated 2/9

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 53.79%, max is 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 790, minimum is 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32.16%, max is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 72.38 months verified post clsg reserves, 12 months required ($4,192.64 X 12=$50,311.68)

Client Complete

0867929569

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

A

A

A

B

B

B

B

CB

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

10% tolerance fee increase between LE xx/xx/xxxx and CD xx/xx/xxxx by $2.90. The Recording-Mortgage fee increased without valid documentation. Lender included a credit of $2.90 on the same CD for the increase.

(No Data)

4/28/2017: exception satisfied since the tolerance error was corrected on the same CD

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $78,531.37 or 21.73 months PITIA reserves. 12 months PITIA cash reserves required $3,614.41x12=$43,375.92 total reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 24%. Max allowed is 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per VOE, B2 has been a xxxxx for 14.20 years.

Client Complete

0867929569

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

A

A

A

B

B

B

B

CB

CA

VA

VA

RB

RB

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC3204

Income Documentation Missing

No

Provide the fully executed and dated Final 4506-T as the document is blank when opened up.

05.19.17: Lender provided executed 4506T

05.19.17: Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $78,531.37 or 21.73 months PITIA reserves. 12 months PITIA cash reserves required $3,614.41x12=$43,375.92 total reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 24%. Max allowed is 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Per VOE, B2 has been a xxxxx for 14.20 years.

Client Complete

0263001859

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

CC

CA

VA

VA

RA

RA

Credit

Ability to Repay/Qualified Mortgage

Satisfied

C

A

CC

CA

CRDATRQM3122

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination.

No

DTI is 47.49% due to car note with 10.85 payments left. GL's do not allow pay down of debt for qualifying. Lender exception noted on UW summary. Waiver requested.

5.31.17 - Lender provided payoff reflecting less than 10 months required to payoff the auto loan.

5.31.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint score of 705 exceed guideline requirements of 680 by 25 points CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in the existing primary residence for 8+ years CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession 13+ years

Complete

0263001859

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

CC

CA

VA

VA

RA

RA

Credit

DTI

Satisfied

B

A

CB

CA

CRDDTI105

Debt Ratio Exception 5% or Less

No

DTI is 47.49% due to car note with 10.85 payments left. GL's do not allow pay down of debt for qualifying. Max DTI allowed per GL's 43%. Guidelines allow debt to be excluded with less than 10 payments.

5.31.17 - Lender provided payoff reflecting less than 10 months required to payoff the auto loan.

5.31.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint score of 705 exceed guideline requirements of 680 by 25 points CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in the existing primary residence for 8+ years CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession 13+ years

Complete

0247762325

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

CC

CA

VA

VA

RA

RA

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST115

Cash reserves do not meet guidelines

No

Cash reserves do not meet guidelines due to > 50% of post closing reserves are from co-borrower's retirement account. Verified liquid reserves are $37,546.26 less cash to close of $1,318.91 or $36,227.35, and verified retirement reserves are $892,428.12. Required reserves are 18 months or $76,722.66. Per lender's UW Decision Summary, post closing liquidity due to HFI to HFI refi.

5.26.17 - Lenders rebuttal - Post closing liquidity (PCL) waived due to HFI to HFI refinance. Underwriter guidelines allows waiver of minimum PCL requirement for rate/term refinances of existing xxxxx HFI (held for investment) loans.

5.26.17 - Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence owned 26.51 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 18.84 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 57.49%; maximum permitted 80%.

Client Complete

0511914208

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

LO's name on NMLS does not match documents in file. Name on NMLS is XXX. Documents in file shows middle initial.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 – Non-material exception.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 12yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 781.

Client Complete

0511914208

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file. Please provide

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 12yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 781.

Client Complete

0511914208

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided. Please provide

5/15/17 - Lender provided SPL disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for over 6yrs. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for 12yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 781.

Client Complete

0147057311

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

File is missing most recent YTD paystub(s) and 2015 W2 for the borrower.

5.31.17 - Lender provided missing docs.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

Complete

0147057311

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC796

Missing Title

No

File is missing the title commitment and final title policy (if available).

5.31.17 - Lender provided missing docs.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

Complete

0147057311

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

The mortgage is missing the notary signature and date.

5.31.17 - Lender provided missing docs.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

Complete

0147057311

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

File is missing a copy of the signed mortgage and rider(s).

5.31.17 - Lender provided missing docs.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

Complete

0147057311

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Application

Satisfied

D

A

CD

CA

CRDAPP227

Application Not Signed by Co-Borrower

No

File is missing the final loan application signed and dated by the co-borrower and loan officer.

5.31.17 - Lender provided missing docs.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

Complete

0147057311

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

5.31.17 Exception for short PCL of 6 months liquid . Request for borrower to use Foreign assets and not transferring toUS accounts.

5.31.17 - Lender provided missing docs.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

Complete

0147057311

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Assets

Satisfied

D

A

CD

CA

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

5.31.17 Exception for short PCL of 6 months liquid . Request for borrower to use Foreign assets and not transferring toUS accounts.

5.31.17 - Lender provided missing docs.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

Complete

0147057311

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH189

Missing credit report

No

File is missing the credit report.

5.31.17 - Lender provided missing docs.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

Complete

0147057311

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

File is missing a verbal VOE for borrower within 20 business days of note date.

5.31.17 - Lender provided missing docs.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

Complete

0147057311

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC888

Income Amount is Unsupported by Documentation in File

No

File is missing most recent YTD paystub(s) and 2015 W2 for the borrower.

5.31.17 - Lender provided missing docs.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

Complete

0147057311

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2302

Missing Required Income Documentation

No

Missing evidence of income, no documents provided.

5.31.17 - Lender provided missing docs.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

Complete

0147057311

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

CD

CA

VA

VA

RD

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2277

Note Not Executed

No

File is missing a signed copy of the note.

5.31.17 - Lender provided missing docs.

5.31.17 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

Complete

0251082501

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32.84%, maximum DTI allowed is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 808, minimum credit score required is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 10 years at current job.

Client Complete

0524027806

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Midpoint credit score of 788 exceed guideline requirement of 680 by 108 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $584,494.69 months PITI 80.12 months reserves. 12 months PITI for the subject property and 6 months for the REO property.

Client Complete

0105715403

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

A

D

B

CB

CB

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Provide verification of commission income for B2 for 2015 as only 2016 year and pay date thru 01/13/2017 was provided thus cannot be averaged over two years

5.26.17 A WVOE was requested and received for B2 from employer (XXX) but did not provide a breakdown of earnings. Lender qualified co-borrower using a conservative 12-month average of 2015 W-2 earnings thus did not require additional employer documentation. Note: 12-month average is $20,059.75; 24-month average is $22,904.80 excluding $500,000 bonus reflected on 2016 year-end paystub.

5.26.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for 16.23 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for 27.20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico score 736 exceeds guidelines requirements of 680.

Client Complete

0105715403

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

A

D

B

CB

CB

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

B

B

CB

CB

CRDINC150

Income docs do not meet guidelines

No

Provide verification of commission income for B2 for 2015 as only 2016 year and pay date thru 01/13/2017 was provided thus cannot be averaged over two years (income used from Lender's 1008) ***additional exceptions may apply with regards to DTI.

5.26.17 A WVOE was requested and received for B2 from employer (XXX) but did not provide a breakdown of earnings. Lender qualified co-borrower using a conservative 12-month average of 2015 W-2 earnings thus did not require additional employer documentation. Note: 12-month average is $20,059.75; 24-month average is $22,904.80 excluding $500,000 bonus reflected on 2016 year-end paystub.

5.26.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for 16.23 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for 27.20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico score 736 exceeds guidelines requirements of 680.

Client Complete

0856625349

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 799 exceeds guidelines minimum 680.

Complete

0413418738

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance fees increased due to credit report fee without a valid reason provided. Borrowers credited on final CD, exception satisfied non material.

(No Data)

5/5/2017: Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $243,493.91 or 68.30 months of PITI reserves. 12 months PITI reserves required for the subject property ($3,564.02 x 12 = $42,768.24) total reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: The loan closed with an DTI of 20.55% and the max DTI was 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current line of work as xxxxx for 10 years.

Client Complete

0599446850

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

CB

CA

VA

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing verification of property taxes and HOA fees for REO property on XXX.

5.19.17: Lender provided SCH E tax return showing taxes and HOA for XXX

5.19.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have ample liquidity and retirement reserves after closing. $136,493.71/ 40.28 months PITI reserves. $41,037 reserves required post-closing. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary bwr has been employed by current employer for 10.58 yrs. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit with no derogs reporting, paying all accts as agreed. Minimal revolving debt.

Complete

0599446850

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

CB

CA

VA

VA

RD

RA

Credit

DTI

Satisfied

B

A

CB

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of property taxes and HOA fees for REO property on XXX.

5.19.17: Lender provided SCH E tax return showing taxes and HOA for XXX

5.19.17: Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have ample liquidity and retirement reserves after closing. $136,493.71/ 40.28 months PITI reserves. $41,037 reserves required post-closing. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary bwr has been employed by current employer for 10.58 yrs. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit with no derogs reporting, paying all accts as agreed. Minimal revolving debt.

Complete

0599446850

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

CB

CA

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC3204

Income Documentation Missing

No

2014 1040 missing signed page by borrowers, Schedule C utilized in income calculations.

5.19.17: Exception remains. 5.19.17: Per lender" 1- Per lender guidelines if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting; no further signatures were required. 2- Schedule C income for co-borrower was not used to qualify." 2 year schedule C average results in a loss so must be included in income calculations. Signed returns are required per appendix Q to meet safe harbor requirements.10.17.17 - Updated guidance from Clayton Compliance team allows the use of the 2014 IRS 8879 to satisfy the signed tax return requirement.

10.17.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have ample liquidity and retirement reserves after closing. $136,493.71/ 40.28 months PITI reserves. $41,037 reserves required post-closing. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary bwr has been employed by current employer for 10.58 yrs. CFCFS2860: Good credit history - Clayton Comments: Borrowers have excellent credit with no derogs reporting, paying all accts as agreed. Minimal revolving debt.

Complete

0210529810

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% tolerance fee increase between LE xx/xx/xxxx and CD xx/xx/xxxx by $1446.50. The Transfer Tax increased without valid documentation. Lender included a credit of $1446.50 on the same CD.

(No Data)

5/1/2017: exception satisfied since the tolerance error was corrected on the same CD

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 credit score exceeds guideline of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $241,961.54 or 39.87 months PITI reserves; per guidelines, 12 mo. PITI reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.34% DTI is below the maximum allowed DTI of 43%.

Client Complete

0592523327

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Credit

Legal Documents

Satisfied

B

A

CB

CA

CRDLGL2550

Missing HUD-1 from sale of property

No

Provide copy of final signed Closing Disclosure for sale of departing residence at xxxxx, with net proceeds of $xxxxx.xx as identified on the final 1003

5.26.17 Lender states The prior sale HUD was delivered in the single pdf and can be located on pages 290-295.

5.26.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: The back end DTI of 29.46% is < maximum DTI of 43.00%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 19.74 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 680; Borrowers Representative Credit Score is 783.

Client Complete

0785368596

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file.

5/15/17 - Lender provided HOC disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 6.07 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 15.35 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 722 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.57% DTI is below the maximum allowed DTI of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV is 5% less than the maximum program LTV of 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 63 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0785368596

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided in file.

5/15/17 - Lender provided SPL disclosure. Exception satisfied.

5/15/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 6.07 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 15.35 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 722 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.57% DTI is below the maximum allowed DTI of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV is 5% less than the maximum program LTV of 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 63 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0423142028

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

CC

CA

VA

VA

RA

RA

Credit

Assets

Satisfied

C

A

CC

CA

CRDAST205

Insufficient Funds to Close

No

Missing proof of liquidation from xxx acct xxx investment account that went towards closing.

6.2.17 - Per the Client -the underwriter may use judgment in requiring proof of liquidation of publicly traded stocks, bonds, mutual funds, and United States government securities.

6.2.17 - Guidelines allow discretion on evidence of stocks being liquidated. Non-material. Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has abundant liquidity, investments and retirement.Assets: Total assets $1,506,871.09 of which $145,373.16 is PCL. 12 mths PITI required $58,155.60 CFCFS1750: High potential for increased earnings - Clayton Comments: Borrower has new bonus potential with new employment. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 726, minimum required is 680.

Complete

0436058353

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes suffix (xxxxx) and middle name, no name variation without suffix (xxxxx) and middle name.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 788 is 108 points higher then the required sore of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DIT 20.10% is 22.90% lower than the maximum DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Has been in his profession for 16 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $308,503.87 or 87.45 months PITI reserves. 18 months PITI required for the subject property (Second Home), 6 months PITI required for the primary residence.

Complete

0436058353

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

LTV/CLTV

Active

B

B

CB

CB

CRDLTV3026

LTV Exceeds Guideline Requirement by at least 5%, but less than 10%

No

9.09% LTV shortfall. The LTV of 89.09% is 9.09% > maximum LTV allowed of 80.00%. Lender appears to be using the Field review value of $xxxxx verses the appraised value of $xxxxxxx.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 788 is 108 points higher then the required sore of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DIT 20.10% is 22.90% lower than the maximum DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Has been in his profession for 16 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets of $308,503.87 or 87.45 months PITI reserves. 18 months PITI required for the subject property (Second Home), 6 months PITI required for the primary residence.

Complete

0144649071

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2488

Verbal verification of employment missing

No

Missing VVOEs for B1 and B2 within 20 days of closing for both B1 and B2 ; XXX LLC for B1 and B2 and xxxxx for B1.

5.21.17 Lender provided Internal AUS; however still missing VVOE for B1 & B2

5.21.17 Exception remains

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 6.17 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 6.17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 711 exceeds Program Guidelines of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 6 years.Co-Borrower has been in the same profession for 6 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have 48.70 months PITI reserves; guidelines require 12 months.

Complete

0467086752

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

DTI

Active

B

B

CB

CB

CRDDTI105

Debt Ratio Exception 5% or Less

No

Housing expense (front-end) ratio of 36.89% exceeds max allowable of 36% per client guidelines. Lender qualified loan with 36.895% housing expense ratio.

5.16.17 Client rebuttal stating that underwriter has discretion for exception. However, no variance tolerance was located in guidelines.

5.16.17 Exception remains.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $246,673.35 or 41.97 months PITI reserves. Guidelines require 12 months, 12x5876.78 = $70,521.36. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with the current employer for the last 10.44 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 718 exceeds the guideline requirement of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: 64% LTV is 16% less than the maximum program LTV of 80%.

Complete

0671414011

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

B

A

C

A

CC

CA

VA

VA

RB

RA

Compliance

Compliance Manual

Satisfied

B

A

RB

RA

CMPMAN2992

1003 - Initial Application is not Accurate

No

Missing initial 1003 signed by borrowers at application.

5.20.17 Lender provided initial application

5.20.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 109 months verified cash reserves exceed guidelines requirement of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI of 31.38 below guideline requirement of 43% by 12 points CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional income (bonus) that was not considered in qualifying CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided in their current residence for 10+ years

Client Complete

0671414011

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

B

A

C

A

CC

CA

VA

VA

RB

RA

Credit

Insurance

Satisfied

C

A

CC

CA

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

insufficient insurance amount to cover the loan balance

5.25.17 Lender Sufficient coverage. USAA policy issued at replacement cost. See Hazard Insurance Replacement Cost Matrix.

5.25.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 109 months verified cash reserves exceed guidelines requirement of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: Calculated DTI of 31.38 below guideline requirement of 43% by 12 points CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional income (bonus) that was not considered in qualifying CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided in their current residence for 10+ years

Client Complete

0397198429

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% tolerance fee increase between LE xx/xx/xxxx and CD xx/xx/xxxx by $143.03. The Credit Report fee increased without valid documentation. The Lender included a credit of $143.15 for the increase on the same CD.

(No Data)

5/18/2017: Exception satisfied as Non-Material since the tolerance error was corrected on the same CD.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 72.31% is < maximum LTV of 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 credit score exceeds guidelines of minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.15% DTI below guideline requirement 43.00%.

Client Complete

0310087816

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $241,797.02 or 63.49 months PITI reserves. Guidelines require 12 months PITI for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 credit score; minimum required is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 21 years.

Complete

0310087816

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Homeowners counseling organizations missing from file.

5/15/17 - HOC List provided Dated 3/6

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $241,797.02 or 63.49 months PITI reserves. Guidelines require 12 months PITI for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 credit score; minimum required is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 21 years.

Complete

0310087816

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Service Providers List is missing.

5/15/17 - SPL provided Dated 3/6

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $241,797.02 or 63.49 months PITI reserves. Guidelines require 12 months PITI for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 credit score; minimum required is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 21 years.

Complete

0310087816

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC3204

Income Documentation Missing

No

Provide the Initial 4506-T as the document is blank when opened up.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $241,797.02 or 63.49 months PITI reserves. Guidelines require 12 months PITI for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 credit score; minimum required is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 21 years.

Complete

0334182583

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

A

D

B

CC

CB

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC796

Missing Title

No

Missing Title Commitment.

5/18/2017 -Lender provided Title Commitment.

5/18/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 805 exceeded the guideline requirement of 680 by 125 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in her profession.

Complete

0334182583

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

A

D

B

CC

CB

VA

VA

RD

RA

Credit

Assets

Active

C

B

CC

CB

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Required reserves $86,326.44, 12 months PITI Verified reserves $31,169.26 or 4.33 months. Missing verification of EMD $139,100.00.

05.18.17 lender provided 2 months bank statements for xxx. Neither show the EMD deposit or departure from the account. 05.25.17 - Client rebuttal "LVAM tracking approved - Non-HFI 3 mo PCL Reduction. This tracking was approved under the PCO delegated authority. Enhanced Authority Summary attached."

5.25.17 - Upon further review, LOX in file from the fulfillment UW indicates the EMD cleared prior to statements provided and borrower has non-liquid reserves. Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 805 exceeded the guideline requirement of 680 by 125 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in her profession.

Complete

0334182583

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

A

D

B

CC

CB

VA

VA

RD

RA

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC150

Income docs do not meet guidelines

No

Missing a signed 4506T at time of initial application

5/18/2017 -Lender provided signed 4506T at time of initial application.

5/18/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 805 exceeded the guideline requirement of 680 by 125 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 10 years in her profession.

Complete

0461650624

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1736: Significant time at current residence - Clayton Comments: Departing residence owned 5.67 years. CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower employed 21 years in same profession. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.51%; maximum permitted is 80%.

Client Complete

0911983245

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2302

Missing Required Income Documentation

No

Missing 2016 W2 for B1. Provide 2016 W2 or WVOE for B1 verifying total 2016 income. Additional conditions may apply.

5.30.17 Lender response 2016 W2 for B1 attached

5.30.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 22.94%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 credit score exceeds guidelines.

Client Complete

0911983245

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2408

Income verification does not meet guidelines

No

Missing 2016 W2 for B1. Provide 2016 W2 or WVOE for B1. Additional conditions may apply.

5.30.17 Lender response 2016 W2 for B1 attached

5.30.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 22.94%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 credit score exceeds guidelines.

Client Complete

0911983245

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

Provide sign authorization that 2nd HELOC is closed to future draws. The unsigned documents are in the file.

5.30.17 Lender response Closing Disclosure and Final Title Policy attached to show evidence the xxxxx HELOC has been paid in full, closed and satisfied of record.

5.30.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 22.94%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 credit score exceeds guidelines.

Client Complete

0711836479

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. Per NMLS website LO name is xxxxx.

5.10.17 - Client WFHL waive issues related to exact name matches on NMLS.

5.10.17 Final Grade B.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 800. CFCFS1744: DTI below guideline requirement - Clayton Comments: The loan closed with an DTI of 9.70% and the max DTI was 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current line of work as xxxxx for over 32 years.

Client Complete

0904053843

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

CC

CB

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Active

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID. Website shows name as xxx or xxx.

(No Data)

Upon further Clayton review, document have xxx and NMLS site has the full middle name of xxx. Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The credit score is 807. CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.98 DTI below guideline requirement.

Complete

0904053843

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

CC

CB

VA

VA

RB

RB

Credit

Terms/Guidelines

Active

C

B

CC

CB

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing sales contract as required by guidelines. The Sales Contract General Addendum is in the file and other pages of the contract are blank.

6.2.17 Client provided fully executed sales contract for xxx. However, final closing disclosure has purchase price of $xxx. Provide updated addendum to match purchase price

6.2.17 Upon further review, because purchase contract amount is higher can be graded non-material.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The credit score is 807. CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.98 DTI below guideline requirement.

Complete

0838663243

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 742 exceeded the guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 30.93%, max allowed is 43.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as xxxxx for 5 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 52 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Complete

0838663243

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Assets

Active

B

B

CB

CB

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

1 month PCL reserves shortfall. Lender approved exception dated 02/20/2017 due to selling departing residence, credit scores and low DTI. Exception approval noted however exception remains.

5.26.17 - Lender response: LVAM tracking approved - Non HFI 3 mo PCL Reduction. Tracking (exception) was approved under the PCO delegated authority.

5.26.17 Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 742 exceeded the guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower's DTI is 30.93%, max allowed is 43.00% CFCFS2854: Significant time in profession - Clayton Comments: Borrower significant time as xxxxx for 5 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 52 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Complete

0181495557

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

CA

CA

VD

VA

RA

RA

Property Valuations

Appraisal

Satisfied

D

A

VD

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation supporting the original appraised value of $xxxxxxx.

5.22.17 Desk Review received valued at $xxxxxx dated 5.22.17, value supported.

5.22.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: The loan closed with an DTI of 37.31% and the max DTI was 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for over 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's representative score 760 exceeds guidelines requirements of 680.

Client Complete

0429706823

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

B

B

B

B

B

CA

CA

VB

VB

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Waived

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xxx, Calculation Cash to Close shows closing cost finances as $5720.27. Based on the Regulations formula amount financed is $5085.33. The borrower paid $634.94 before closing. This amount does not appear as deducted from the total.

7.13.17 - Lender's rebuttal: Acknowledge differences in technical interpretations and waive the finding.

7.13.17 - Final grade B.

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided at the current residence for 42 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been xxx for 41.74 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 720 by 60 points; Borrowers Representative Credit Score is 780.

Complete

0429706823

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

B

B

B

B

B

CA

CA

VB

VB

RB

RB

Property Valuations

FEMA

Active

B

B

VB

VB

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

Appraisal is dated 2/20/2017, no subsequent inspection since the FEMA Disaster xxx, Public Severe Winter Storms, Flooding, and Mudslides Severe Winter Storms, Flooding, and Mudslides. Clayton grades “FEMA: Natural Disaster Are, no subsequent inspection (Public)” as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can included: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public assistance does not indicate that damage has occurred to personal; property and does not have a substantive impact on the property.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided at the current residence for 42 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been xxx for 41.74 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score exceeds guidelines of 720 by 60 points; Borrowers Representative Credit Score is 780.

Complete

0385763800

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

File is missing the homeownership counseling list.

5/15/17 - HOC List provided Dated 2/8

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for over 15 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for over 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers fico scores 730/814 exceed guidelines requirements of 720.

Client Complete

0385763800

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

File is missing the written list of service providers.

5/15/17 - SPL provided Dated 2/8

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for over 15 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for over 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers fico scores 730/814 exceed guidelines requirements of 720.

Client Complete

0027579213

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

B

A

D

A

D

A

CB

CA

VB

VA

RD

RA

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing documentation to complete the ATR/QM status determination review: 1). Provide the insurance and taxes for the REO property (xxxxx); the credit supplement did not state whether insurance and taxes were included in the payment nor was there a mortgage statement provided.2). Provide evidence that the xxxxx HELOC did not have any draws in the past 12 months in the credit report nor was a screen shot provided to verify.

5.19.16 Lender provided PITI statement for xxxxx Lender also provided proof no heloc draws on xxxxx in past 12 months.

5.19.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 64.67% less than the maximum LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 785 exceeded the guideline requirement of 680 by 105 points. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 54 months reviewed 0x30; the minimum required by guidelines is 12 months.

Client Complete

0027579213

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

B

A

D

A

D

A

CB

CA

VB

VA

RD

RA

Credit

DTI

Satisfied

B

A

CB

CA

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Provide the insurance and taxes for the REO property (xxxxx); the credit supplement did not state whether insurance and taxes were included in the payment nor was there a mortgage statement provided.

5.19.16 Lender provided PITI statement for xxxxx

5.19.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 64.67% less than the maximum LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 785 exceeded the guideline requirement of 680 by 105 points. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 54 months reviewed 0x30; the minimum required by guidelines is 12 months.

Client Complete

0027579213

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

B

A

D

A

D

A

CB

CA

VB

VA

RD

RA

Credit

Legal Documents

Satisfied

B

A

CB

CA

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

Provide evidence that the XXX XXXXX did not have any draws in the past 12 months in the credit report nor was a screen shot provided to verify.

5.19.17 Lender provided proof no XXXXX draws on XXXXXXX in past 12 months, also proof heloc closed.

5.19.17 – Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 64.67% less than the maximum LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 785 exceeded the guideline requirement of 680 by 105 points. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 54 months reviewed 0x30; the minimum required by guidelines is 12 months.

Client Complete

0027579213

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

B

A

D

A

D

A

CB

CA

VB

VA

RD

RA

Property Valuations

FEMA

Satisfied

B

A

VB

VA

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the FEMA Disaster 2/23/17- Severe Winter Storms, Flooding, and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.

5.16.17 Post Disaster Inspection confirm no damages to property.

5.16.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 64.67% less than the maximum LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 785 exceeded the guideline requirement of 680 by 105 points. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 54 months reviewed 0x30; the minimum required by guidelines is 12 months.

Client Complete

0665644821

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Credit

Application

Satisfied

B

A

CB

CA

CRDAPP130

Application is incomplete

No

Provide the fully executed and dated Initial 1003.

05.16.17 Lender provided a copy of the initial 1003 signed by the L.O. only. Please provide initial 1003 signed by both applicants.5.24.17 Per lender, The application was taken by telephone; therefore, only the loan officer was required to sign the initial 1003.

5.25.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer for 11.20 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 803 exceeded the guideline requirement of 720 by 123 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.23%, maximum allowed is 43%.

Client Complete

0526092963

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments: 56.50% LTV; max per guidelines is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $148,771.12. Verified Post Close assets of $353,328.55 or 90.51 months PITIA reserves. 12 months PITIA reserves required ($3,903.86 x 12= $46,846.32), 6 months for xxx and 6 months for xxx. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 801, minimum allowed is 680.

Client Complete

0941956191

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

Compliance Manual

Satisfied

C

A

RC

RA

CMPMAN2990

1003 - Final Application is not Accurate

No

Missing a copy of the signed Final 1003.

5.20.17 Lender provided Final 1003.

5.20.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32.27%; max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 753, minimum score required is 680.

Client Complete

0941956191

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

Compliance Manual

Satisfied

D

A

RD

RA

CMPMAN2956

Missing disclosure

No

Missing a copy of the signed PUD Rider.

5.20.17 Lender provided signed Pud Rider

5.20.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32.27%; max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 753, minimum score required is 680.

Client Complete

0941956191

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Notary page of the Deed of Trust is blank.

5.20.17 Lender provided executed mortgage

5.20.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32.27%; max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 753, minimum score required is 680.

Client Complete

0941956191

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

CA

CA

VA

VA

RD

RA

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Deed of Trust is not executed.

5.20.17 Lender provided executed mortgage

5.20.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32.27%; max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 753, minimum score required is 680.

Client Complete

0736646590

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 765 is 87 points above the minimum required of 680. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is 0x30 for 53 months; requirement is 0x30 for 12 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 10.67 years.

Client Complete

0323565512

XXXXXX

ID

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Credit

Assets

Satisfied

B

A

CB

CA

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing 2 months or most recent quarter xxxxx statements supporting the source of liquidated funds $68,993.49 as required by guidelines.

5.25.17 Lender provided xxxxx statement showing liquidation of funds needed.

5.25.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $103,567.09 (EMD$5,500 + CTC $98,067.09). Statements in file support complete assets of $356,366.61 with reserves of $172,365.89, of which $57,780.13 is liquid exceeding the required 12 months PITIA PCL req'd of $32,253.12 ($2687.76x12), 6 months PITI reserves required for the departing residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been with the same employer in XXX for 9.9 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been with the same employer in XXX for 9.9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 781, minimum allowed is 680.

Client Complete

0323565512

XXXXXX

ID

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC150

Income docs do not meet guidelines

No

Provide the fully executed and dated Final 4506-T as blank when opened up.

5.25.17 Lender provided 4506T

5.25.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $103,567.09 (EMD$5,500 + CTC $98,067.09). Statements in file support complete assets of $356,366.61 with reserves of $172,365.89, of which $57,780.13 is liquid exceeding the required 12 months PITIA PCL req'd of $32,253.12 ($2687.76x12), 6 months PITI reserves required for the departing residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been with the same employer in XXX for 9.9 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been with the same employer in XXX for 9.9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 781, minimum allowed is 680.

Client Complete

0323565512

XXXXXX

ID

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Credit

Legal Documents

Satisfied

B

A

CB

CA

CRDLGL4033

Missing Legal Document(s)

No

Provide the sales contract with all pages and addendum's as some pages are blank when opened up.

5.20.17 Lender provided complete sales contract.

5.20.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $103,567.09 (EMD$5,500 + CTC $98,067.09). Statements in file support complete assets of $356,366.61 with reserves of $172,365.89, of which $57,780.13 is liquid exceeding the required 12 months PITIA PCL req'd of $32,253.12 ($2687.76x12), 6 months PITI reserves required for the departing residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been with the same employer in XXX for 9.9 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been with the same employer in XXX for 9.9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 781, minimum allowed is 680.

Client Complete

0317239311

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

CC

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD xxx- Closing costs financed in calculating Cash to Close field(3275.31) differs from Clayton's calculation (2628.81). The difference is 646.50 which is the amount of POC.

5.30.17- Lender provided a rebuttal indicating they disagree. Lender's rebuttal: Disagree. The xxx Compliance Team does not validate the accuracy of the Closing Costs Financed (Paid from your Loan Amount) figure in the Calculating Cash to Close Table. However, per CFPB Guide to loan estimate and closing disclosure forms, Closing Costs Financed (Paid from your Loan Amount) is the sum of the amounts in the Final column of the Loan Amount and Total Payoffs and Payments. However, the amount is disclosed only if the sum is greater than zero and no larger than the Total Closing Costs (deducting the amount in the Final column of Closing Costs Paid Before Closing). (§ 1026.38(e)(6)). For this loan, the Closing Costs Financed (Paid from your Loan Amount) figure of $3,275.31 (the Total Closing Costs) disclosed on the Final CD dated xxx is accurate because the Cash to Close to the borrower of $138,246.22 exceeds the Closing Costs Paid Before Closing of $646.50. This is not a testing defect so corrective action is not required. Rebuttal is deficient : The regulation is clear on how to determine the amount financed by loan on the CD. CFPB rule 1026.38(J)(4)(ii):For purposes of this paragraph (j), “closing funds” means funds collected and disbursed at real estate closing. If we use the example provided to use by the CFPB documents you will see the amount of Closing Cost is charges not paid with closing funds and should be removed from total of Closing cost due to already being funded. Then the “New” Closing cost if loan is used to fund then that amount should be disclosed in the ‘Closing Costs Financed (paid from your Loan Amount) not to be less than $0

5.30.17- Exception remains

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per business license B's have been in business for over 11 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 14.76%, max allowed is 40%.

Complete

0317239311

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

CC

CB

VA

VA

RB

RB

Credit

Assets

Active

C

B

CC

CB

CRDAST115

Cash reserves do not meet guidelines

No

12 months PITIA reserves req'd $3,746.885x12=$44,962.20, business funds are the source of liquidity and are req'd to meet the post closing liquidity requirement. The impact of the reserves req'd will have no negative effect on the company per the 36 month and current asset statements provided, however, GL's require a 4L/> UW approval within xxx for this exception. B's own a xxx. Using the business returns provided supports an increasing trend over previous years' earnings. All req'd supporting documentation provided. Exception noted and remains.

(No Data)

Upon further review by Clayton's Senior Underwriter, use of business funds will have no negative impact on the daily operation on B1 business. Borrower's have been in business for over 11 years and DTI is 14.76%. Exception deemed non-material.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per business license B's have been in business for over 11 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 14.76%, max allowed is 40%.

Complete

0317239311

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

CC

CB

VA

VA

RB

RB

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC150

Income docs do not meet guidelines

No

2014 personal returns are not signed as req'd by GL's.

5.30.17 - Lender provided the signed 2014 personal returns.

5.30.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Per business license B's have been in business for over 11 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 14.76%, max allowed is 40%.

Complete

0188683956

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

CB

CB

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Provide fully executed and dated Notary as it is blank when opened up.

5.25.17 - Lender provided signed mortgage.

5.25.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's median credit score of 803 is > minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.41%. Max allowed 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $308,853.28 (EMD $39,900 + CTC $266,953.28). Statements provided support assets of $455,432.91 with post closing liquid reserves of $148,579.63. GL's require 12 months liquidity of $50,775.36 ($4,231.28 x 12).

Complete

0188683956

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

CB

CB

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

Provide fully executed and dated Mortgage as it is blank when opened up.

5.25.17 - Lender provided signed mortgage.

5.25.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's median credit score of 803 is > minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.41%. Max allowed 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $308,853.28 (EMD $39,900 + CTC $266,953.28). Statements provided support assets of $455,432.91 with post closing liquid reserves of $148,579.63. GL's require 12 months liquidity of $50,775.36 ($4,231.28 x 12).

Complete

0188683956

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

CB

CB

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% tolerance fee increase between LE xx/xx/xxxx and CD xx/xx/xxxx by $164. The Appraisal fee increased and the Title-Endorsements and Title- Recording fee were added without valid documentation. Lender included a credit of $164 on the same CD for the increase.

(No Data)

4/28/2017: exception satisfied since the tolerance error was corrected on the same CD.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's median credit score of 803 is > minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.41%. Max allowed 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $308,853.28 (EMD $39,900 + CTC $266,953.28). Statements provided support assets of $455,432.91 with post closing liquid reserves of $148,579.63. GL's require 12 months liquidity of $50,775.36 ($4,231.28 x 12).

Complete

0188683956

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

CB

CB

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

10% tolerance fee increase between LE xx/xx/xxxx and CD xx/xx/xxxx by $158.10. The Recording-Mortgage fee increased without valid documentation. Lender included a credit of $158.10 on the same CD for the increase.

(No Data)

4/28/2017: exception satisfied since the tolerance error was corrected on the same CD.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's median credit score of 803 is > minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.41%. Max allowed 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $308,853.28 (EMD $39,900 + CTC $266,953.28). Statements provided support assets of $455,432.91 with post closing liquid reserves of $148,579.63. GL's require 12 months liquidity of $50,775.36 ($4,231.28 x 12).

Complete

0188683956

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

CB

CB

VA

VA

RD

RB

Credit

Application

Active

B

B

CB

CB

CRDAPP130

Application is incomplete

No

L/O changed from the initial 1003 to the final 1003 in the transaction. Final L/O did not execute the final 1003.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's median credit score of 803 is > minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.41%. Max allowed 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $308,853.28 (EMD $39,900 + CTC $266,953.28). Statements provided support assets of $455,432.91 with post closing liquid reserves of $148,579.63. GL's require 12 months liquidity of $50,775.36 ($4,231.28 x 12).

Complete

0188683956

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

CB

CB

VA

VA

RD

RB

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2408

Income verification does not meet guidelines

No

Provide the 2015 W-2 to complete two year's most recent W-2s as bonus income is being used and it is required per guidelines.

(No Data)

After further review, exception is non-material as file has WVOE, most recent pay stub, and tax transcript to document income history.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's median credit score of 803 is > minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.41%. Max allowed 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $308,853.28 (EMD $39,900 + CTC $266,953.28). Statements provided support assets of $455,432.91 with post closing liquid reserves of $148,579.63. GL's require 12 months liquidity of $50,775.36 ($4,231.28 x 12).

Complete

0188683956

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

CB

CB

VA

VA

RD

RB

Credit

Legal Documents

Active

B

B

CB

CB

CRDLGL4033

Missing Legal Document(s)

No

Missing Sales Contract for the subject transaction.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's median credit score of 803 is > minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.41%. Max allowed 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Final CD requires funds to close of $308,853.28 (EMD $39,900 + CTC $266,953.28). Statements provided support assets of $455,432.91 with post closing liquid reserves of $148,579.63. GL's require 12 months liquidity of $50,775.36 ($4,231.28 x 12).

Complete

0987442490

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH183

Credit report incomplete

No

Missing pages 1, 4, 11 & 13 of credit report including identifying borrower. Need complete report to complete credit evaluation. Additional conditions may apply.

5.16.17 Lender provided completed credit report

5.16.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 25.26 months post closing cash reserves available, 16 months required (12 months for the subject property, gap of employment 2 months and 2 months for the gap per guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.05% DTI is below the maximum of 43.00%

Complete

0987442490

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Income/Employment

Active

B

B

CB

CB

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Borrower had a gap of employment from dates of 01/31/2016 (termination date) thru 03/23/2016 (start date) thus > 1 month requiring LOE from Borrower of which is not located in the file. The UW Decision Summary states requesting more detail from the Borrower regarding the 1.5 months out of work.

5.16.18 Client response Per non-conforming guidelines, a gap in employment may not require an explanation from the borrower if the underwriter determines the gap has not affected employment stability or continuance and if the gap is of limited duration. Small gap due to borrower in between jobs. The borrower has remained in the same line of work (xxxxx) since 2008 with steady or increasing income. Current VVOE reflects borrower is a xxxxx. Base pay used to qualify. However, there is no letter of explanation in the file, and borrower was on previous job less than a year.

5.16.17 Exception remains. Exception is non-material as file contains most recent pay stubs as well as two years income history.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 25.26 months post closing cash reserves available, 16 months required (12 months for the subject property, gap of employment 2 months and 2 months for the gap per guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.05% DTI is below the maximum of 43.00%

Complete

0871329913

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

N/A

A

N/A

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing pages 1 and 2 of credit report

5.22.17 Lender provided complete credit report dated 2/25/17.

5.22.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Funds req'd to close $0. 12 months verified post close liquidity or $38,934.72 ($3,244.56x12) per GL's. B has $8,863.28 in actual liquid. GL's allow 50% retirement be allowed to meet the req't. 50% of IRA @ 60% + liquid of $8,863.28 provides for sufficient liquid of $91,175.15, exceeding the reserve req't. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 31.88%.

Complete

0871329913

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

RB

RB

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The lender included the POC fees in their Closing Cost Financed total

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Funds req'd to close $0. 12 months verified post close liquidity or $38,934.72 ($3,244.56x12) per GL's. B has $8,863.28 in actual liquid. GL's allow 50% retirement be allowed to meet the req't. 50% of IRA @ 60% + liquid of $8,863.28 provides for sufficient liquid of $91,175.15, exceeding the reserve req't. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 31.88%.

Complete

0871329913

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH183

Credit report incomplete

No

Missing pages 1 & 2 of the credit report. Used final 1003 for DTI.

5.22.17 Lender provided complete credit report dated 2/25/17.

5.22.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Funds req'd to close $0. 12 months verified post close liquidity or $38,934.72 ($3,244.56x12) per GL's. B has $8,863.28 in actual liquid. GL's allow 50% retirement be allowed to meet the req't. 50% of IRA @ 60% + liquid of $8,863.28 provides for sufficient liquid of $91,175.15, exceeding the reserve req't. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 31.88%.

Complete

0871329913

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Income/Employment

Satisfied

C

A

CC

CA

CRDINC150

Income docs do not meet guidelines

No

Missing executed 4506T at application for Borrower. The coborrower Esigned 4506T is in the file.

5.20.17 Lender provided signed 4506-T by both borrower and co-borrower.

5.20.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Funds req'd to close $0. 12 months verified post close liquidity or $38,934.72 ($3,244.56x12) per GL's. B has $8,863.28 in actual liquid. GL's allow 50% retirement be allowed to meet the req't. 50% of IRA @ 60% + liquid of $8,863.28 provides for sufficient liquid of $91,175.15, exceeding the reserve req't. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 31.88%.

Complete

0871329913

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Missing Hazard Insurance Policy

5.22.17 Lender provide homeowners insurance information

5.22.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Funds req'd to close $0. 12 months verified post close liquidity or $38,934.72 ($3,244.56x12) per GL's. B has $8,863.28 in actual liquid. GL's allow 50% retirement be allowed to meet the req't. 50% of IRA @ 60% + liquid of $8,863.28 provides for sufficient liquid of $91,175.15, exceeding the reserve req't. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 31.88%.

Complete

0545770439

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance of $125.00 for increase in appraisal fee. Borrower credited on final CD, exception satisfied.

(No Data)

05/09/2017: Exception satisfied as Non-Material as the Final CD corrected the issue.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years 9 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 761 exceeds Program Guidelines of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 40.50 months PITI reserves; guidelines require 12 months PITI reserves for the subject property and 6 months for the REO (xxxxx).

Complete

0545770439

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

CB

CB

VA

VA

RB

RB

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

1 month VOR shortfall. Provide a credit supplement or cancelled checks for 1 month VOR as the credit report shows the departing residence (xxxxx) as 11 months verified VOM history however the Final 1003 states Borrower is renting for $2,000.00 for .14 months.

5.16.17 Client rebuttal stating Per non-conforming guidelines, judgment regarding the number of payments (VOR) verified is allowed. Credit Report reflects 11 months VOM of departure residence paid as agreed (0x30). Exception remains.

5.16.17 Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years 9 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 761 exceeds Program Guidelines of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 40.50 months PITI reserves; guidelines require 12 months PITI reserves for the subject property and 6 months for the REO (xxxxx).

Complete

0797794060

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8 years 2 months at the current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 5 years 3 month at their current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 725 exceeds Program Guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.57% is below Program Guidelines of 43.00%

Client Complete

0888972501

XXXXXX

AR

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with the current Employer for 20.24 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 15.39%; guideline maximum is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 742 exceeds the minimum of 680

Client Complete

0127926602

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes xxxxx, no name variation without xxxxx

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close assets of $97,605.28 or 27.68 months post closing cash reserves available. 12 months PITI reserves for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has a representative score of 798 is > minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 16 years in current profession.

Client Complete

0122478716

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

3 months verification 0 x 30 VOR shortfall. Provide a VOR for 3 months as the Mortgage closed XXX and Note signing date is XXX.

5.19.17 Lender provided Vor dated 2/4/17. The Vor runs from 7/16 to 2/17 which shows 0x30.

5.19.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have $390,447.81 or 134.62 months PITI reserves. Guidelines require 12 months. PITI reserves for the subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 credit score; minimum required is 680. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 20.58 years.

Client Complete

0852908963

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Bwrs have abundant reserves with $333,128.08/ 66.75 mths PITI reserves. 12 mths PITI reserves required post-closing / $59,885.64. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers have excellent credit with no derogs and all accts paid as agreed. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.50, below 80% max.

Client Complete

0740918592

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 15 years. Co-Borrower has been in the same profession for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 750 credit score; minimum required is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 18.52% DTI is below the maximum allowed DTI of 43%.

Client Complete

0418564687

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

A

A

A

B

B

B

B

CB

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 21.66 months PITI cash reserves available. 18 months PITIA reserves required, 12 months for the subject property, 2 months for gap of employment and 4 months for 3.5 months employment gap. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 11 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 811. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 29.50%.

Client Complete

0418564687

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

A

A

A

B

B

B

B

CB

CA

VA

VA

RB

RB

Credit

Credit/Mtg History

Satisfied

B

A

CB

CA

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

1 tradeline shortfall. The XXX account ending #xxxxx opened xxxxx and loan closed xxxxx.

5.29.17 Lender response Sufficient credit; # of tradelines does meet guideline requirements.

5.29.17 After review of credit report XXXXXXX last payment was 1/2017 for $124. Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over 21.66 months PITI cash reserves available. 18 months PITIA reserves required, 12 months for the subject property, 2 months for gap of employment and 4 months for 3.5 months employment gap. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in current profession for over 11 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers qualifying mid-score is 811. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 29.50%.

Client Complete

0549501990

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Compliance Manual

Satisfied

D

A

RD

RA

CMPMAN2950

Missing Rate Lock

No

Missing the Rate Lock Agreement

5.22.17: Lender provided Rate Lock.

5.22.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence owned 20.99 years. CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower employed 38 years in same profession. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is 0x30 for 41 months; requirement is 0x30 for 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 814 is 134 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves are 362.18 months PITI; minimum required is 18 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.46% is 9.54 points below the maximum permitted of 43%.

Client Complete

0549501990

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC806

Notary Status is missing

No

Notary Status is missing from DOT in file.

5.22.17: Lender provided executed notary page.

5.22.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence owned 20.99 years. CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower employed 38 years in same profession. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is 0x30 for 41 months; requirement is 0x30 for 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 814 is 134 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves are 362.18 months PITI; minimum required is 18 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.46% is 9.54 points below the maximum permitted of 43%.

Client Complete

0549501990

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Documentation

Satisfied

D

A

RD

RA

CMPDOC869

Mortgage not signed

No

DOT is not signed by both parties listed on document as blank when opened up.

5.22.17: Lender provided executed Mortgage with borrower signatures.

5.22.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence owned 20.99 years. CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower employed 38 years in same profession. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is 0x30 for 41 months; requirement is 0x30 for 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 814 is 134 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves are 362.18 months PITI; minimum required is 18 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.46% is 9.54 points below the maximum permitted of 43%.

Client Complete

0549501990

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The individual loan originators name on the file documents does not match the NMLS license name. The file documents include the middle initial, which is spelled out in full on the license.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence owned 20.99 years. CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower employed 38 years in same profession. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is 0x30 for 41 months; requirement is 0x30 for 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 814 is 134 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves are 362.18 months PITI; minimum required is 18 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.46% is 9.54 points below the maximum permitted of 43%.

Client Complete

0549501990

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC3204

Income Documentation Missing

No

Provide the fully executed and dated Final 4506-T form as it is blank when opened up.

5.22.17: Lender provided executed 4506-T.

5.22.17: Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence owned 20.99 years. CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower employed 38 years in same profession. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is 0x30 for 41 months; requirement is 0x30 for 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 814 is 134 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves are 362.18 months PITI; minimum required is 18 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.46% is 9.54 points below the maximum permitted of 43%.

Client Complete

0549501990

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2277

Note Not Executed

No

Note is not signed by both parties listed on Note as it is blank when opened up.

5.22.17: Lender provided executed Note.

5.22.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence owned 20.99 years. CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower employed 38 years in same profession. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is 0x30 for 41 months; requirement is 0x30 for 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 814 is 134 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves are 362.18 months PITI; minimum required is 18 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.46% is 9.54 points below the maximum permitted of 43%.

Client Complete

0549501990

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Legal Documents

Satisfied

D

A

CD

CA

CRDLGL2864

Copy of Mortgage/Deed in file is incomplete

No

Missing the legal description exhibit to the mortgage - lender bookmarked document in the loan file, however, the document is a blank page when opened up. Unable to determine if the legal to the mortgage matches the title commitment.

5.22.17: Lender provided executed mortgage.

5.22.17: Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence owned 20.99 years. CFCFS2854: Significant time in profession - Clayton Comments: Primary borrower employed 38 years in same profession. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is 0x30 for 41 months; requirement is 0x30 for 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 814 is 134 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves are 362.18 months PITI; minimum required is 18 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.46% is 9.54 points below the maximum permitted of 43%.

Client Complete

0363084481

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

Credit

Credit/Mtg History

Active

B

B

CB

CB

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

2 months VOR rental payment shortfall. Provide rental payment history for borrower's current residence at xxx. Borrower's previous residence at XXX was sold 12/29/16, and payment history provided on the credit report. Guidelines require review of prior 12 months housing payment history for 0x30.

5.15.17 Client rebuttal Per non-conforming underwriting guidelines waiving the VOR payments is not allowed, but judgment regarding the number of months of payments verified is allowed. See Underwriting Decision Summary, page 4 for comments. Borrower sold primary residence XXX. Credit Report reflects prior (sufficient) mortgage history 0x30. However exception remains

5.15.17 Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 8.21 years with current employer. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower employed 11.60 years with current employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 789 is 109 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves are 19.77 months PITI; minimum required is 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.44% is 8.56% below the maximum permitted of 43%.

Complete

0427052057

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3776

TRID - LE or CD does not meet TRID requirements

No

Final CD has only 2 last pages. Please provide complete CD signed on xx/xx/xxxx.

05/18/2017: Lender provided copy of executed final CD.

5/19/2017: Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 783. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 8 years in his profession.

Client Complete

0427052057

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

Credit

Terms/Guidelines

Satisfied

D

A

CD

CA

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing Lender's U/W Decision complete Summary.

5.22.17 Lender provided UW Decision Summary both pages

5.22.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 783. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 8 years in his profession.

Client Complete

0608813187

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

A

A

A

B

B

B

B

CB

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer for the past 7.1 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 788 exceeded the guideline requirement of 680. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower significant time as Service for 10 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 48 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0608813187

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

A

A

A

B

B

B

B

CB

CA

VA

VA

RB

RB

Credit

Legal Documents

Satisfied

B

A

CB

CA

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

Missing proof that HELOC with xxxxx Bank #XXX has been paid and closed to future draws, signed and dated by borrowers.

5.19.17 Lender provided proof xxxxx Heloc paid and closed with PCCD 4/27/17, and Title .

5.19.17 Exception Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with current employer for the past 7.1 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid score of 788 exceeded the guideline requirement of 680. CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower significant time as Service for 10 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 48 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0344097908

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Insurance

Satisfied

D

A

CD

CA

CRDINSR848

Missing Hazard Insurance

No

Missing current Hazard insurance policy for subject property.

5.16.17 Lender provided Homeowners insurance

5.16.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has worked at current job for 23.20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: The loan closed with an LTV of 68.38% and the max LTV was 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's FICO score 700 exceeds guidelines requirements of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Mortgage history on the credit report shows 33 months reviewed 0 x 30; the minimum required by guidelines is 12 months.

Client Complete

0024076265

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 credit score; minimum required is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.66% DTI is below the maximum allowed DTI of 43%. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 8 years.

Client Complete

0289642497

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for 25 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower with same employer for 15.42 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's fico score 793 exceeds guidelines requirements of 680.

Client Complete

0829744080

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median score of 808 is 128 points above the required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.56% is 6.44% below the maximum DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves in file of $524,305.31 or 61.68 months. Requires 12 months reserves or $102,000.96.

Client Complete

0743596711

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

CB

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC2488

Verbal verification of employment missing

No

Verbal Verification of Employment or CPA letter dated within 30 days of the note date of XXX, is missing from the loan file.

5.30.17 - Client provided the Verification of the business Entity dated 3.10.17 within 30 days of the note date of XXX

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned and occupied the departing residence for 5.75 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The midpoint credit score of 786 exceed guideline requirements of 680 by 106 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified 70 months PITI in cash reserves; guidelines require 12 months.

Client Complete

0924563948

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

A

A

A

B

B

B

B

CB

CA

VA

VA

RB

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.35% DTI; max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $749,456.12. Statements in file supported assets of $1,663,892.99 with reserves of $462,943.13 or 86.29. 12 months reserves required or $65,021.76 ($5,418.84 x 12), 12 months PITI required for departing residence and REO property. CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.61% LTV: max per guidelines is 80%

Client Complete

0924563948

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

A

A

A

B

B

B

B

CB

CA

VA

VA

RB

RB

Credit

Income/Employment

Satisfied

B

A

CB

CA

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Co-Borrower to provide LOE as the UW Decision Summary states Co-Borrower had unpaid leave ($2,580.57) reflected on the YTD 2016 paystub however there is an 2016 1099-G Unemployment in the amount of $6,774.00 which conflicts with the Verbal VOE start date of 07/20/2015***additional conditions may apply with regards to gap of employment of which would require additional reserves.

5.25.17 Lender provided updated VVoe for Co-borrower dated 3.22.17, however as per the UW Decision Summary states Co-Borrower had unpaid leave ($2,580.57) reflected on the YTD 2016 paystub. There is an 2016 1099-G Unemployment in the amount of $6,774.00 which conflicts with the Verbal VOE start date of 07/20/2015. Need LOE for gap in employment to explain difference in claim and timeframe. This will require more reserves per guidelines. Lender states "VVOE attached. 2016 Form 1099G (attached) Table A reflects $0 Unemployment Compensation; Table B reflects $6,774 Paid Family Leave. 2016 paystub reflects leave with and without pay; loan application discloses a dependant age 1 so it appears co-borrower received maternity leave pay under FMLA for the birth of a child during 2016. 2017 year-to-date paystub reflects earnings from regular and holiday pay only. No additional documentation was required."

5.26.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.35% DTI; max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Required funds to close of $749,456.12. Statements in file supported assets of $1,663,892.99 with reserves of $462,943.13 or 86.29. 12 months reserves required or $65,021.76 ($5,418.84 x 12), 12 months PITI required for departing residence and REO property. CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.61% LTV: max per guidelines is 80%

Client Complete

0322285411

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

B

CA

CA

VA

VB

RA

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

4.19.17 Desk Review received indeterminate value dated 4/19/17, value not supported. Field Review recommended.

4.19.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.93% DTI is below the maximum allowed DTI of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 56.91% is below the GL maximum of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 credit score; minimum required is 720.

Client Complete

0322285411

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

B

CA

CA

VA

VB

RA

RA

Property Valuations

Value

Satisfied

N/A

A

N/A

VB

PRVAVALU153

Value Not Supported

No

4.19.17 Field Review Ordered.

5.2.17 Field Review received valued at $xxxxxx, value supported.

5.2.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.93% DTI is below the maximum allowed DTI of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 56.91% is below the GL maximum of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 credit score; minimum required is 720.

Client Complete

0968435943

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

5/15/17 - HOC List provided Dated 3/4

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 25 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 736 exceeded the guideline requirement of 680 by 56 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0968435943

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

5/15/17 - SPL provided Dated 3/4

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 25 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 736 exceeded the guideline requirement of 680 by 56 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0968435943

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Property Valuations

Appraisal

Satisfied

A

A

VA

VA

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support appraised value.

5/12/2017 - Desk review received with a value of $xxxxxx. Original appraisal value supported.

5/12/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments: Borrower has worked 25 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 736 exceeded the guideline requirement of 680 by 56 points. CFCFS2860: Good credit history - Clayton Comments: Borrower has no late payments on their credit report in the last 36 months.

Client Complete

0909630137

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 19.52%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 777; minimum required credit score per guidelines is 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 75%; max allowed LTV per guidelines is 80%.

Client Complete

0807321102

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 credit score exceeds guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 402.51 cash reserves exceed guidelines.

Client Complete

0174514190

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC2408

Income verification does not meet guidelines

No

Missing full personal 2015 1040 or 2015 1040 transcripts.

5.24.17 - Lender provided signed pages of 2015 tax returns.

5.24.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17.5 years with current employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 793 exceeded the guideline requirement of 680 by 113 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 65% is 15% less than the maximum LTV of 80%.

Client Complete

0174514190

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

CD

CA

VA

VA

RA

RA

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Signed 4506 transcripts missing from file.

5.24.17 - Lender provided exception waiver for 4506T

5.24.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17.5 years with current employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower's mid score of 793 exceeded the guideline requirement of 680 by 113 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 65% is 15% less than the maximum LTV of 80%.

Client Complete

0542530132

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

RD

RA

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing documentation to complete the ATR/QM status determination review: - Credit report in file dated 3/7/17 for the primary borrower and co-borrower1 (joint) is missing pages 3, 6-7, 9, and 16-18.

5.24.17 lender provided full credit report.

5.24.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence owned by borrower1 and borrower2 for 24.36 years, and primary residence owned by borrower3 for 9.83 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 9.91 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.42%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 799 is 119 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $2,666,162.74 or 708.78 months PITI in reserves; per guidelines, 18 months PITI reserves required.

Client Complete

0542530132

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

Federal Consumer Protection

Waived

B

B

RB

RB

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The individual loan originator's name on the file documents does not match the NMLS license name. The file documents show middle initial only, and the license name spells out the full middle name.

5.18.17 - Client provided exception approval to accept NMLS name variation.

5.18.17 Non-material exception.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence owned by borrower1 and borrower2 for 24.36 years, and primary residence owned by borrower3 for 9.83 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 9.91 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.42%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 799 is 119 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $2,666,162.74 or 708.78 months PITI in reserves; per guidelines, 18 months PITI reserves required.

Client Complete

0542530132

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% tolerance fee increase between LE xx/xx/xxxx and CD xx/xx/xxxx by $125. The Appraisal fee increased without valid documentation. Lender included a credit of $125 on the same CD.

(No Data)

5/3/2017: exception satisfied since the tolerance error was corrected on the same CD.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence owned by borrower1 and borrower2 for 24.36 years, and primary residence owned by borrower3 for 9.83 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 9.91 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.42%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 799 is 119 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $2,666,162.74 or 708.78 months PITI in reserves; per guidelines, 18 months PITI reserves required.

Client Complete

0542530132

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

RB

RB

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

10% tolerance fee increase between LE xx/xx/xxxx and CD xx/xx/xxxx by $42.70. The Recording-Mortgage fee increased without valid documentation. Lender included a credit of $42.70 on the same CD.

(No Data)

5/3/2017: Exception satisfied since the tolerance error was corrected on the same CD.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence owned by borrower1 and borrower2 for 24.36 years, and primary residence owned by borrower3 for 9.83 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 9.91 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.42%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 799 is 119 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $2,666,162.74 or 708.78 months PITI in reserves; per guidelines, 18 months PITI reserves required.

Client Complete

0542530132

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Credit/Mtg History

Satisfied

D

A

CD

CA

CRDCRMH183

Credit report incomplete

No

Credit report in file dated 3/7/17 for the primary borrower and co-borrower1 (joint) is missing pages 3, 6-7, 9, and 16-18. Unable to complete review of the liabilities and DTI.

5.24.17 lender provided full credit report.

5.24.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence owned by borrower1 and borrower2 for 24.36 years, and primary residence owned by borrower3 for 9.83 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 9.91 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.42%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 799 is 119 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $2,666,162.74 or 708.78 months PITI in reserves; per guidelines, 18 months PITI reserves required.

Client Complete

0542530132

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

CD

CA

VA

VA

RD

RB

Credit

Income/Employment

Satisfied

D

A

CD

CA

CRDINC3204

Income Documentation Missing

No

Missing the closing 4506T forms signed by all borrowers, required per guidelines.

5.24.17 Lender provided signed 4506-T.

5.24.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence owned by borrower1 and borrower2 for 24.36 years, and primary residence owned by borrower3 for 9.83 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Primary borrower employed 9.91 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.42%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 799 is 119 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $2,666,162.74 or 708.78 months PITI in reserves; per guidelines, 18 months PITI reserves required.

Client Complete

0410849431

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

RESPA

Satisfied

B

A

RB

RA

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

5/15/17 - HOC List provided Dated 3/15

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 13.1 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.35% DTI is below the maximum allowed DTI of 43%.

Complete

0410849431

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

A

A

B

A

B

A

CA

CA

VA

VA

RB

RA

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

RB

RA

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

5/15/17 - SPL provided Dated 3/15

5/15/17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower with same employer for 13.1 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.35% DTI is below the maximum allowed DTI of 43%.

Complete

Client Name:	Wells Fargo Bank, N.A.
Client Project Name:	Wells Fargo SEC WFMBS 2018-1
Deal Loan Count:	675
Conditions Report 2.0
Loans in Report:	675
Loans with Conditions:	528

Loan Number

Seller Loan Number

TRID Indicator

Lender Application Date

Broker Application Date

Initial Securitization Overall Loan Grade

Final Securitization Overall Loan Grade

Initial Securitization Credit Loan Grade

Final Securitization Credit Loan Grade

Initial Securitization Property Valuations Loan Grade

Final Securitization Property Valuations Loan Grade

Initial Securitization Compliance Loan Grade

Final Securitization Compliance Loan Grade

Initial S&P Overall Loan Grade

Final S&P Overall Loan Grade

Initial S&P Credit Loan Grade

Final S&P Credit Loan Grade

Initial S&P Property Valuations Loan Grade

Final S&P Property Valuations Loan Grade

Initial S&P Compliance Loan Grade

Final S&P Compliance Loan Grade

XXXXXXXXXX

0198490646

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

A

A

B

B

CB

CB

VA

VA

RA

RA

XXXXXXXXXX

0272422234

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

XXXXXXXXXX

0513862414

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

CA

CA

VA

VA

RA

RA

XXXXXXXXXX

0985966627

Yes

XXXXXX

XXXXXX

D

B

D

A

A

A

B

B

D

B

CD

CA

VA

VA

RB

RB

XXXXXXXXXX

0716482438

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

CA

CA

VA

VA

RB

RB

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EX-99.6

Exhibit 99.6

Client Name:	Wells Fargo Bank, N.A.
Client Project Name:	Wells Fargo SEC WFMBS 2018-1
Deal Loan Count:	675
Waived Conditions Summary

Review Scope	Category	Code	Description	Count
Compliance	TILA/RESPA Integrated Disclosure	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	7
Compliance	Federal Consumer Protection	CMPFDCP3206	NMLS License verification found Loan Originator Name does not match ID	104
Total				111

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