EX-99.5 6 e2325ex99-5.htm CONDITIONS REPORT

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






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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
XXXXXXXXXX 0167198960 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0986948686 Yes XXXXXX XXXXXX D B B A A A D B D B CB CA VA VA RD RB
XXXXXXXXXX 0114929666 Yes XXXXXX XXXXXX D B D B D A B A D B CD CB VD VA RB RA
XXXXXXXXXX 0013596571 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0969469206 Yes XXXXXX XXXXXX C A A A A A C A C A CA CA VA VA RC RA
XXXXXXXXXX 0463263080 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0876486933 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0971371565 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0416108152 Yes XXXXXX XXXXXX C A A A A A C A C A CA CA VA VA RC RA
XXXXXXXXXX 0557539715 Yes XXXXXX XXXXXX B B B B B B B B B B CB CB VB VB RB RB
XXXXXXXXXX 0455200064 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0843639626 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0776953326 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0106638645 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0691536502 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0865326988 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0415988250 Yes XXXXXX XXXXXX C A C A A A A A C A CC CA VA VA RA RA
XXXXXXXXXX 0100323938 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0222073206 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0423671696 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0374580899 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0786970259 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0753632678 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0783427138 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0101562027 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0078651891 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0341290749 Yes XXXXXX XXXXXX C B C A A A B B C B CC CA VA VA RB RB
XXXXXXXXXX 0867373975 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0057032617 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0268546227 Yes XXXXXX XXXXXX B A B A A A A A B A CB CA VA VA RA RA
XXXXXXXXXX 0172557232 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0988469610 Yes XXXXXX XXXXXX D A B A A A D A D A CB CA VA VA RD RA
XXXXXXXXXX 0204723075 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0056645247 Yes XXXXXX XXXXXX D B D B A A D B D B CD CB VA VA RD RB
XXXXXXXXXX 0319257717 Yes XXXXXX XXXXXX C A C A A A A A C A CC CA VA VA RA RA
XXXXXXXXXX 0761901278 Yes XXXXXX XXXXXX D A C A A A D A D A CC CA VA VA RD RA
XXXXXXXXXX 0190683104 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0824523290 Yes XXXXXX XXXXXX D B B B D A B B D B CB CB VD VA RB RB
XXXXXXXXXX 0599862905 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0902751308 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0727384843 Yes XXXXXX XXXXXX D A A A A A D A D A CA CA VA VA RD RA
XXXXXXXXXX 0845727985 Yes XXXXXX XXXXXX A A A A A A A A C A CA CA VA VA RC RA
XXXXXXXXXX 0311732264 Yes XXXXXX XXXXXX D B D B A A A A D B CD CB VA VA RA RA
XXXXXXXXXX 0643935149 Yes XXXXXX XXXXXX D A D A B A A A D A CD CA VB VA RA RA
XXXXXXXXXX 0600158732 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0478995585 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0596929830 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0085663199 Yes XXXXXX XXXXXX D B D A A A C B D B CD CA VA VA RC RB
XXXXXXXXXX 0065725568 Yes XXXXXX XXXXXX D B B B D A A A D B CB CB VD VA RA RA
XXXXXXXXXX 0031852602 Yes XXXXXX XXXXXX B A B A A A B A B A CB CA VA VA RB RA
XXXXXXXXXX 0430373345 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0861362987 Yes XXXXXX XXXXXX C B C B A A A A C B CC CB VA VA RA RA
XXXXXXXXXX 0094409512 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0337802318 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0662145898 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0532491109 Yes XXXXXX XXXXXX D A A A D A B A D A CA CA VD VA RB RA
XXXXXXXXXX 0022741255 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0917051480 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0559567916 Yes XXXXXX XXXXXX D B D A A A D B D B CD CA VA VA RD RB
XXXXXXXXXX 0309677731 Yes XXXXXX XXXXXX C A A A C A A A C A CA CA VC VA RA RA
XXXXXXXXXX 0728724851 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0459963628 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0253882113 Yes XXXXXX XXXXXX C B C A A A B B C B CC CA VA VA RB RB
XXXXXXXXXX 0059231634 Yes XXXXXX XXXXXX C A C A A A A A C A CC CA VA VA RA RA
XXXXXXXXXX 0815033209 Yes XXXXXX XXXXXX D B A A C A D B D B CA CA VC VB RD RB
XXXXXXXXXX 0529178417 Yes XXXXXX XXXXXX D A D A D A A A D A CD CA VD VA RA RA
XXXXXXXXXX 0902448126 Yes XXXXXX XXXXXX D B A A D A B B D B CA CA VD VA RB RB
XXXXXXXXXX 0484741858 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0889075729 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0624956874 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0472590841 Yes XXXXXX XXXXXX D A D A D A A A D A CD CA VD VA RA RA
XXXXXXXXXX 0927122674 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0973107614 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0696430338 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0600379898 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0821457719 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0702523610 Yes XXXXXX XXXXXX D A D A D A A A D A CD CA VD VA RA RA
XXXXXXXXXX 0081972063 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0238560685 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0961297152 Yes XXXXXX XXXXXX B A B A A A A A B A CB CA VA VA RA RA
XXXXXXXXXX 0356814269 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0376779553 Yes XXXXXX XXXXXX D A D A D A D A D A CD CA VD VA RD RA
XXXXXXXXXX 0247615349 Yes XXXXXX XXXXXX D B A A D A B B D B CA CA VD VA RB RB
XXXXXXXXXX 0411144370 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0149761540 Yes XXXXXX XXXXXX D B D B A A B B D B CD CB VA VA RB RB
XXXXXXXXXX 0978296825 Yes XXXXXX XXXXXX D B D A A A B B D B CD CA VA VA RB RB
XXXXXXXXXX 0373903413 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0111275216 Yes XXXXXX XXXXXX B A B A A A A A B A CB CA VA VA RA RA
XXXXXXXXXX 0600752102 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0403516503 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0083025693 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0852948087 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0352056311 Yes XXXXXX XXXXXX D B A A A A D B D B CA CA VA VA RD RB
XXXXXXXXXX 0291974633 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0104031291 Yes XXXXXX XXXXXX D A D A B A A A D A CD CA VB VA RA RA
XXXXXXXXXX 0022460253 Yes XXXXXX XXXXXX B B A A B A B B B B CA CA VB VA RB RB
XXXXXXXXXX 0356069864 Yes XXXXXX XXXXXX D A D A C A D A D A CD CA VC VA RD RA
XXXXXXXXXX 0389914585 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0811028667 Yes XXXXXX XXXXXX B B A A B A B B B B CA CA VB VA RB RB
XXXXXXXXXX 0214395498 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0382119029 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0550863845 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0581078467 Yes XXXXXX XXXXXX C B C B B A B B C B CC CB VB VA RB RB
XXXXXXXXXX 0118954527 Yes XXXXXX XXXXXX D B D A D A B B D B CD CA VD VA RB RB
XXXXXXXXXX 0654630168 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0222426472 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0610529858 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0280660533 Yes XXXXXX XXXXXX D B D A C B A A D B CD CA VC VB RA RA
XXXXXXXXXX 0006517460 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0137030363 Yes XXXXXX XXXXXX D B C B B A D A D B CC CB VB VA RD RA
XXXXXXXXXX 0506584465 Yes XXXXXX XXXXXX D A D A C A D A D B CD CA VC VB RD RA
XXXXXXXXXX 0563605078 Yes XXXXXX XXXXXX D B D B A A A A D B CD CB VA VA RA RA
XXXXXXXXXX 0857113702 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0429136736 Yes XXXXXX XXXXXX D A A A A A D A D A CA CA VA VA RD RA
XXXXXXXXXX 0782569039 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0516681132 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0704889234 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0466205829 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0981504604 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0568471615 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0257730327 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0171423524 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0112177010 Yes XXXXXX XXXXXX B B A A B A B B B B CA CA VB VA RB RB
XXXXXXXXXX 0708956123 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0599093146 Yes XXXXXX XXXXXX D B C B A A D B D B CC CB VA VA RD RB
XXXXXXXXXX 0636482348 Yes XXXXXX XXXXXX D B D A A A D B D B CD CA VA VA RD RB
XXXXXXXXXX 0514841423 Yes XXXXXX XXXXXX B B A A B A B B B B CA CA VB VA RB RB
XXXXXXXXXX 0396510063 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0524014745 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0675492823 Yes XXXXXX XXXXXX C B A A A A C B C B CA CA VA VA RC RB
XXXXXXXXXX 0373002764 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0938591853 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0032209440 Yes XXXXXX XXXXXX C B C B A A A A C B CC CB VA VA RA RA
XXXXXXXXXX 0492815225 Yes XXXXXX XXXXXX D A A A A A D A D A CA CA VA VA RD RA
XXXXXXXXXX 0014695945 Yes XXXXXX XXXXXX C A A A C A A A C A CA CA VC VA RA RA
XXXXXXXXXX 0784673495 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0714114345 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0422638517 Yes XXXXXX XXXXXX D B B B D A A A D B CB CB VD VA RA RA
XXXXXXXXXX 0447226719 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0114815267 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0694516740 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0234016044 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0807728116 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0571861525 Yes XXXXXX XXXXXX C B C B A A A A C B CC CB VA VA RA RA
XXXXXXXXXX 0248112584 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0583480065 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0971636256 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0022402831 Yes XXXXXX XXXXXX C A C A A A A A C A CC CA VA VA RA RA
XXXXXXXXXX 0531739101 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0519807589 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0416031356 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0900449798 Yes XXXXXX XXXXXX D A B A D A A A D A CB CA VD VA RA RA
XXXXXXXXXX 0364392314 Yes XXXXXX XXXXXX B A B A A A A A B A CB CA VA VA RA RA
XXXXXXXXXX 0052525843 Yes XXXXXX XXXXXX C B C B A A A A C B CC CB VA VA RA RA
XXXXXXXXXX 0974107324 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0271155123 Yes XXXXXX XXXXXX D A D A D A A A D A CD CA VD VA RA RA
XXXXXXXXXX 0993336234 Yes XXXXXX XXXXXX D A A A A A D A D A CA CA VA VA RD RA
XXXXXXXXXX 0252702162 Yes XXXXXX XXXXXX D B D B A A C B D B CD CB VA VA RC RB
XXXXXXXXXX 0943993233 Yes XXXXXX XXXXXX D B A A D A B B D B CA CA VD VA RB RB
XXXXXXXXXX 0409570095 Yes XXXXXX XXXXXX D B D B D A D A D B CD CB VD VA RD RA
XXXXXXXXXX 0826049529 Yes XXXXXX XXXXXX D B D B A A A A D B CD CB VA VA RA RA
XXXXXXXXXX 0924722350 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0141281544 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0484774077 Yes XXXXXX XXXXXX C A C A A A A A C A CC CA VA VA RA RA
XXXXXXXXXX 0986241330 Yes XXXXXX XXXXXX D A D A A A B A D A CD CA VA VA RB RA
XXXXXXXXXX 0077767030 Yes XXXXXX XXXXXX C A C A A A A A C A CC CA VA VA RA RA
XXXXXXXXXX 0037675837 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0914993984 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0881498003 Yes XXXXXX XXXXXX B B B B B A A A B B CB CB VB VA RA RA
XXXXXXXXXX 0772851758 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0297933455 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0152790510 Yes XXXXXX XXXXXX B A A A B A A A B A CA CA VB VA RA RA
XXXXXXXXXX 0162603387 Yes XXXXXX XXXXXX D B D B A A A A D B CD CB VA VA RA RA
XXXXXXXXXX 0286688537 Yes XXXXXX XXXXXX D A A A A A D A D A CA CA VA VA RD RA
XXXXXXXXXX 0971072166 Yes XXXXXX XXXXXX D A B A C A D A D A CB CA VC VA RD RA
XXXXXXXXXX 0471215130 Yes XXXXXX XXXXXX D A A A C A D A D A CA CA VC VA RD RA
XXXXXXXXXX 0174347186 Yes XXXXXX XXXXXX D B C A D A C B D B CC CA VD VA RC RB
XXXXXXXXXX 0717944526 Yes XXXXXX XXXXXX D A A A D A D A D A CA CA VD VA RD RA
XXXXXXXXXX 0271974437 Yes XXXXXX XXXXXX D A A A D A A A D B CA CA VD VB RA RA
XXXXXXXXXX 0865726448 Yes XXXXXX XXXXXX B B A A B A B B B B CA CA VB VA RB RB
XXXXXXXXXX 0641387035 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0499290107 Yes XXXXXX XXXXXX D B D B A A A A D B CD CB VA VA RA RA
XXXXXXXXXX 0984113789 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0543517325 Yes XXXXXX XXXXXX D A D A A A B A D A CD CA VA VA RB RA
XXXXXXXXXX 0742116449 Yes XXXXXX XXXXXX D B B B D A A A D B CB CB VD VA RA RA
XXXXXXXXXX 0063998455 Yes XXXXXX XXXXXX D B A A A A D B D B CA CA VA VA RD RB
XXXXXXXXXX 0419691171 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0611933989 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0260022542 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0795648384 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0804858638 Yes XXXXXX XXXXXX D A C A A A D A D A CC CA VA VA RD RA
XXXXXXXXXX 0437313321 Yes XXXXXX XXXXXX D B D A B A B B D B CD CA VB VA RB RB
XXXXXXXXXX 0081625185 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0660899105 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0355589186 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0834019415 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0870886021 Yes XXXXXX XXXXXX C B A A C B B B C B CA CA VC VB RB RB
XXXXXXXXXX 0101425828 Yes XXXXXX XXXXXX D B A A C A D B D B CA CA VC VA RD RB
XXXXXXXXXX 0301417482 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0041347460 Yes XXXXXX XXXXXX D B D B A A D B D B CD CB VA VA RD RB
XXXXXXXXXX 0194464519 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0537398583 Yes XXXXXX XXXXXX D B B B A A D A D B CB CB VA VA RD RA
XXXXXXXXXX 0561305152 Yes XXXXXX XXXXXX D A A A B A D A D A CA CA VB VA RD RA
XXXXXXXXXX 0943293533 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0621922920 Yes XXXXXX XXXXXX D B D A A A D B D B CD CA VA VA RD RB
XXXXXXXXXX 0255207432 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0207703098 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0779645708 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0975606133 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0746696438 Yes XXXXXX XXXXXX D B B B A A D A D B CB CB VA VA RD RA
XXXXXXXXXX 0386076695 Yes XXXXXX XXXXXX B B B B B A B B B B CB CB VB VA RB RB
XXXXXXXXXX 0338559128 Yes XXXXXX XXXXXX D B A A A A D B D B CA CA VA VA RD RB
XXXXXXXXXX 0171354974 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0088431306 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0430928190 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0086915007 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0941264462 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0995314686 Yes XXXXXX XXXXXX D A B A A A D A D B CB CA VA VB RD RA
XXXXXXXXXX 0202316746 Yes XXXXXX XXXXXX B A A A B A B A B A CA CA VB VA RB RA
XXXXXXXXXX 0462557385 Yes XXXXXX XXXXXX D B B B D A D B D B CB CB VD VA RD RB
XXXXXXXXXX 0006562199 Yes XXXXXX XXXXXX D B D A A A B B D B CD CA VA VA RB RB
XXXXXXXXXX 0879329509 Yes XXXXXX XXXXXX D A D A A A B A D A CD CA VA VA RB RA
XXXXXXXXXX 0485847750 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0483461224 Yes XXXXXX XXXXXX D A D A B A A A D A CD CA VB VA RA RA
XXXXXXXXXX 0740753131 Yes XXXXXX XXXXXX C B A A A A C B C B CA CA VA VA RC RB
XXXXXXXXXX 0593442659 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0776613258 Yes XXXXXX XXXXXX C A A A C A A A C A CA CA VC VA RA RA
XXXXXXXXXX 0908352435 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0791523283 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0603383650 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0172832997 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0679932837 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0133788274 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0223534277 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0269398584 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0830016774 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0544573523 Yes XXXXXX XXXXXX B A B A A A A A B A CB CA VA VA RA RA
XXXXXXXXXX 0568077651 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0213256472 Yes XXXXXX XXXXXX D A C A D A A A D A CC CA VD VA RA RA
XXXXXXXXXX 0918551815 Yes XXXXXX XXXXXX D B D A A A B B D B CD CA VA VA RB RB
XXXXXXXXXX 0536703114 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0184927653 Yes XXXXXX XXXXXX D B A A A A D B D B CA CA VA VA RD RB
XXXXXXXXXX 0425499704 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0422359722 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0876973685 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0125680037 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0076501399 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0561211383 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0203936506 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0346861741 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0657173319 Yes XXXXXX XXXXXX D B B A A A D B D B CB CA VA VA RD RB
XXXXXXXXXX 0768000690 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0996838302 Yes XXXXXX XXXXXX D A C A A A D A D A CC CA VA VA RD RA
XXXXXXXXXX 0106678316 Yes XXXXXX XXXXXX C A C A A A B A C A CC CA VA VA RB RA
XXXXXXXXXX 0207747354 Yes XXXXXX XXXXXX D A B A A A D A D A CB CA VA VA RD RA
XXXXXXXXXX 0437964641 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0337854044 Yes XXXXXX XXXXXX C A A A A A C A C A CA CA VA VA RC RA
XXXXXXXXXX 0707715288 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0833277651 Yes XXXXXX XXXXXX C B C B C A B B C B CC CB VC VA RB RB
XXXXXXXXXX 0428282147 Yes XXXXXX XXXXXX D A D A B A D A D A CD CA VB VA RD RA
XXXXXXXXXX 0108921471 Yes XXXXXX XXXXXX D B D A A A B B D B CD CA VA VA RB RB
XXXXXXXXXX 0431414921 Yes XXXXXX XXXXXX B A A A B A A A B A CA CA VB VA RA RA
XXXXXXXXXX 0848813629 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0550561592 Yes XXXXXX XXXXXX D B D A A A D B D B CD CA VA VA RD RB
XXXXXXXXXX 0987475707 Yes XXXXXX XXXXXX B B A A B A B B B B CA CA VB VA RB RB
XXXXXXXXXX 0621360461 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0349220317 Yes XXXXXX XXXXXX D A D A B A A A D A CD CA VB VA RA RA
XXXXXXXXXX 0595813475 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0673760116 Yes XXXXXX XXXXXX D B D B D A B B D B CD CB VD VA RB RB
XXXXXXXXXX 0516014297 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0246454537 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0532118355 Yes XXXXXX XXXXXX D A B A D A D A D A CB CA VD VA RD RA
XXXXXXXXXX 0221966057 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0644056829 Yes XXXXXX XXXXXX D A A A A A D A D A CA CA VA VA RD RA
XXXXXXXXXX 0437155707 Yes XXXXXX XXXXXX C A A A A A C A C A CA CA VA VA RC RA
XXXXXXXXXX 0614391228 Yes XXXXXX XXXXXX D B D A A A B B D B CD CA VA VA RB RB
XXXXXXXXXX 0004354646 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0351751602 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0486881119 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0066177384 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0281539416 Yes XXXXXX XXXXXX D B D B A A D A D B CD CB VA VA RD RA
XXXXXXXXXX 0637339007 Yes XXXXXX XXXXXX D A D A D A A A D A CD CA VD VA RA RA
XXXXXXXXXX 0192596650 Yes XXXXXX XXXXXX D A A A D A D A D A CA CA VD VA RD RA
XXXXXXXXXX 0992393698 Yes XXXXXX XXXXXX D B B B D A B B D B CB CB VD VA RB RB
XXXXXXXXXX 0919797752 Yes XXXXXX XXXXXX C B A A C B B B C B CA CA VC VB RB RB
XXXXXXXXXX 0122358720 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0736692798 Yes XXXXXX XXXXXX D A A A D A B A D A CA CA VD VA RB RA
XXXXXXXXXX 0656019685 Yes XXXXXX XXXXXX D B B B D A B B D B CB CB VD VA RB RB
XXXXXXXXXX 0093027658 Yes XXXXXX XXXXXX D A A A A A D A D A CA CA VA VA RD RA
XXXXXXXXXX 0686066259 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0837284068 Yes XXXXXX XXXXXX B B B A A A B B B B CB CA VA VA RB RB
XXXXXXXXXX 0691772828 Yes XXXXXX XXXXXX D B A A D A C B D B CA CA VD VA RC RB
XXXXXXXXXX 0479287110 Yes XXXXXX XXXXXX D B A A D A B B D B CA CA VD VA RB RB
XXXXXXXXXX 0034624014 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0725409766 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0615242038 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0650274431 Yes XXXXXX XXXXXX D B A A D A C B D B CA CA VD VA RC RB
XXXXXXXXXX 0650841653 Yes XXXXXX XXXXXX D B B B A A D B D B CB CB VA VA RD RB
XXXXXXXXXX 0562338142 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0190582086 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0579247270 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0101856594 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0908843858 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0798541927 Yes XXXXXX XXXXXX D A A A D A A A D B CA CA VD VB RA RA
XXXXXXXXXX 0120859899 Yes XXXXXX XXXXXX D B C A B A D B D B CC CA VB VA RD RB
XXXXXXXXXX 0438999994 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0927271363 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0993922484 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0989914124 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0469244388 Yes XXXXXX XXXXXX D B D B A A B B D B CD CB VA VA RB RB
XXXXXXXXXX 0933327597 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0952469643 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0784047464 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0699908676 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0154401508 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0248538953 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0796193717 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0360601850 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0502602092 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0374421846 Yes XXXXXX XXXXXX C B A A A A C B C B CA CA VA VA RC RB
XXXXXXXXXX 0869481114 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0683114526 Yes XXXXXX XXXXXX B B A A B A B B B B CA CA VB VA RB RB
XXXXXXXXXX 0193755715 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0598685650 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0786998716 Yes XXXXXX XXXXXX D B D A D A B B D B CD CA VD VA RB RB
XXXXXXXXXX 0633279453 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0654583614 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0007389455 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0820462922 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0785069162 Yes XXXXXX XXXXXX C B C B A A B B C B CC CB VA VA RB RB
XXXXXXXXXX 0692374956 Yes XXXXXX XXXXXX D A A A B A D A D A CA CA VB VA RD RA
XXXXXXXXXX 0364783811 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0161867778 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0435440048 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0519423392 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0156684006 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0900651110 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0457764944 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0955632555 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0141645623 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0316042140 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0178078106 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0028020179 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0963507581 Yes XXXXXX XXXXXX C A C A B A A A C A CC CA VB VA RA RA
XXXXXXXXXX 0844112514 Yes XXXXXX XXXXXX D B A A D A B B D B CA CA VD VA RB RB
XXXXXXXXXX 0965962450 Yes XXXXXX XXXXXX C B A A C B A A C B CA CA VC VB RA RA
XXXXXXXXXX 0912101231 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0782207148 Yes XXXXXX XXXXXX D B A A A A D B D B CA CA VA VA RD RB
XXXXXXXXXX 0560805918 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0745515331 Yes XXXXXX XXXXXX A A A A A A A A A B CA CA VA VB RA RA
XXXXXXXXXX 0534430664 Yes XXXXXX XXXXXX D A A A D A C A D A CA CA VD VA RC RA
XXXXXXXXXX 0999482846 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0639132140 Yes XXXXXX XXXXXX D B D A A A D B D B CD CA VA VA RD RB
XXXXXXXXXX 0814349617 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0594120880 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0921791902 Yes XXXXXX XXXXXX D B C B A A D B D B CC CB VA VA RD RB
XXXXXXXXXX 0867330631 Yes XXXXXX XXXXXX D A A A A A D A D A CA CA VA VA RD RA
XXXXXXXXXX 0571215050 Yes XXXXXX XXXXXX D B D A A A B B D B CD CA VA VA RB RB
XXXXXXXXXX 0899467081 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0275842043 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0025719445 Yes XXXXXX XXXXXX D B C B A A D B D B CC CB VA VA RD RB
XXXXXXXXXX 0849961955 Yes XXXXXX XXXXXX D B D A A A D B D B CD CA VA VA RD RB
XXXXXXXXXX 0652256234 Yes XXXXXX XXXXXX D B D B A A A A D B CD CB VA VA RA RA
XXXXXXXXXX 0820524455 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0924008021 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0053041317 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0287071065 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0371331609 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0933118945 Yes XXXXXX XXXXXX D B A A A A D B D B CA CA VA VA RD RB
XXXXXXXXXX 0099141155 Yes XXXXXX XXXXXX D B A A D A B B D B CA CA VD VA RB RB
XXXXXXXXXX 0344521960 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0330342532 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0733068263 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0999987149 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0628460031 Yes XXXXXX XXXXXX D B D A A A D B D B CD CA VA VA RD RB
XXXXXXXXXX 0530867323 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0090619573 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0555708554 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0865182578 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0053075634 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0587960620 Yes XXXXXX XXXXXX D B B A A A D B D B CB CA VA VA RD RB
XXXXXXXXXX 0473579242 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0461714176 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0522153499 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0986343815 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0773567689 Yes XXXXXX XXXXXX D B D B A A B B D B CD CB VA VA RB RB
XXXXXXXXXX 0623828482 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0246490273 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0675523513 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0265473765 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0048624852 Yes XXXXXX XXXXXX D B D A A A D B D B CD CA VA VA RD RB
XXXXXXXXXX 0375583544 Yes XXXXXX XXXXXX C B B B C A B B C B CB CB VC VA RB RB
XXXXXXXXXX 0669191858 Yes XXXXXX XXXXXX C B C B A A B B C B CC CB VA VA RB RB
XXXXXXXXXX 0811775736 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0310649298 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0201216775 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0258004684 Yes XXXXXX XXXXXX D B B A B B D A D B CB CA VB VB RD RA
XXXXXXXXXX 0876404452 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0551003277 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0694908987 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0533658635 Yes XXXXXX XXXXXX D B A A B A D B D B CA CA VB VA RD RB
XXXXXXXXXX 0917122174 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0217252699 Yes XXXXXX XXXXXX C A C A A A A A C A CC CA VA VA RA RA
XXXXXXXXXX 0852978893 Yes XXXXXX XXXXXX D A C A D A A A D A CC CA VD VA RA RA
XXXXXXXXXX 0653602580 Yes XXXXXX XXXXXX C A C A A A A A C A CC CA VA VA RA RA
XXXXXXXXXX 0258465872 Yes XXXXXX XXXXXX C A C A A A B A C A CC CA VA VA RB RA
XXXXXXXXXX 0773577882 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0077143678 Yes XXXXXX XXXXXX D B D B A A A A D B CD CB VA VA RA RA
XXXXXXXXXX 0638266015 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0419534061 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0410893422 Yes XXXXXX XXXXXX D B D B A A B B D B CD CB VA VA RB RB
XXXXXXXXXX 0905539149 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0526146435 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0593786139 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0777002709 Yes XXXXXX XXXXXX B B A A B B A A B B CA CA VB VB RA RA
XXXXXXXXXX 0659873142 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0608216970 Yes XXXXXX XXXXXX B B A A B B B B B B CA CA VB VB RB RB
XXXXXXXXXX 0542236970 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0877911312 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0284106257 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0473557007 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0903525351 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0387168276 Yes XXXXXX XXXXXX D B B B D A D A D B CB CB VD VA RD RA
XXXXXXXXXX 0299292838 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0878608254 Yes XXXXXX XXXXXX D B C A A A D B D B CC CA VA VA RD RB
XXXXXXXXXX 0611567987 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0023634811 Yes XXXXXX XXXXXX D B D B D A C B D B CD CB VD VA RC RB
XXXXXXXXXX 0587895180 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0642653306 Yes XXXXXX XXXXXX D B A A D A C B D B CA CA VD VA RC RB
XXXXXXXXXX 0481414401 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0065848808 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0599831302 Yes XXXXXX XXXXXX D B D A A A D B D B CD CA VA VA RD RB
XXXXXXXXXX 0242023875 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0042711402 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0360131921 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0857797941 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0232987763 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0834258737 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0290594425 Yes XXXXXX XXXXXX D B D B A A D A D B CD CB VA VA RD RA
XXXXXXXXXX 0962875471 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0040322661 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0196450921 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0408372459 Yes XXXXXX XXXXXX D B D A C A B B D B CD CA VC VB RB RB
XXXXXXXXXX 0378811430 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0320662342 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0667911287 Yes XXXXXX XXXXXX B A A A B A A A B A CA CA VB VA RA RA
XXXXXXXXXX 0745219020 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0352821349 Yes XXXXXX XXXXXX B B B B B A A A B B CB CB VB VA RA RA
XXXXXXXXXX 0404729966 Yes XXXXXX XXXXXX D B D A D A D B D B CD CA VD VA RD RB
XXXXXXXXXX 0037395348 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0775461823 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0064675078 Yes XXXXXX XXXXXX D B D B A A A A D B CD CB VA VA RA RA
XXXXXXXXXX 0098076751 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0877257728 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0409057536 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0907234161 Yes XXXXXX XXXXXX D B A A D A C B D B CA CA VD VA RC RB
XXXXXXXXXX 0686608465 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0369370925 Yes XXXXXX XXXXXX D A C A D A A A D A CC CA VD VA RA RA
XXXXXXXXXX 0963265142 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0012601618 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0073169857 Yes XXXXXX XXXXXX D A D A B A A A D A CD CA VB VA RA RA
XXXXXXXXXX 0338171342 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0825362700 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0037588410 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0018027626 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0031856583 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0550644838 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0380145167 Yes XXXXXX XXXXXX C B B B C A A A C B CB CB VC VA RA RA
XXXXXXXXXX 0993953523 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0717261372 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0612384361 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0562435029 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0635874506 Yes XXXXXX XXXXXX C B C A A A B B C B CC CA VA VA RB RB
XXXXXXXXXX 0304452920 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0623540460 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0854968185 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0627620064 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0903058578 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0573819928 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0675371382 Yes XXXXXX XXXXXX D A A A A A D A D B CA CA VA VB RD RA
XXXXXXXXXX 0178875464 Yes XXXXXX XXXXXX D B A A A A D B D B CA CA VA VA RD RB
XXXXXXXXXX 0011975262 Yes XXXXXX XXXXXX B A B A A A B A B A CB CA VA VA RB RA
XXXXXXXXXX 0220091938 Yes XXXXXX XXXXXX D B A A D A B B D B CA CA VD VA RB RB
XXXXXXXXXX 0654430625 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0512381571 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0923170915 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0205186699 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0323086540 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0072010687 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0121814226 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0734302872 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0499449192 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0547736437 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0519454366 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0942015721 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0402827292 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0351572644 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0856529773 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0711508889 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0955581098 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0074791866 Yes XXXXXX XXXXXX B A B A A A A A B A CB CA VA VA RA RA
XXXXXXXXXX 0660996863 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0717271705 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0806468966 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0287722214 Yes XXXXXX XXXXXX B B A A B A B B B B CA CA VB VA RB RB
XXXXXXXXXX 0438450916 Yes XXXXXX XXXXXX D A D A A A C A D A CD CA VA VA RC RA
XXXXXXXXXX 0015615676 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0466104492 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0756929153 Yes XXXXXX XXXXXX D B D B A A D A D B CD CB VA VA RD RA
XXXXXXXXXX 0808541427 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0582151661 Yes XXXXXX XXXXXX D A B A D A A A D B CB CA VD VB RA RA
XXXXXXXXXX 0712761836 Yes XXXXXX XXXXXX D B D B A A D B D B CD CB VA VA RD RB
XXXXXXXXXX 0108990712 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0255772044 Yes XXXXXX XXXXXX D A D A D A A A D A CD CA VD VA RA RA
XXXXXXXXXX 0268101730 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0781608431 Yes XXXXXX XXXXXX C B C A A A C B C B CC CA VA VA RC RB
XXXXXXXXXX 0081020873 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0434821227 Yes XXXXXX XXXXXX D B D A A A B B D B CD CA VA VA RB RB
XXXXXXXXXX 0694941669 Yes XXXXXX XXXXXX D B D A A A D B D B CD CA VA VA RD RB
XXXXXXXXXX 0025931241 Yes XXXXXX XXXXXX D B C B D A B B D B CC CB VD VA RB RB
XXXXXXXXXX 0967102398 Yes XXXXXX XXXXXX D B C A D A D B D B CC CA VD VA RD RB
XXXXXXXXXX 0458751119 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0047063166 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0116771282 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0329984103 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0858423073 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0076768572 Yes XXXXXX XXXXXX D B D A A A B B D B CD CA VA VA RB RB
XXXXXXXXXX 0463752631 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0946149473 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0894396186 Yes XXXXXX XXXXXX B A B A A A B A B A CB CA VA VA RB RA
XXXXXXXXXX 0761188894 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0232782078 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0673178571 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0424780066 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0443593931 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0393046819 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0768495334 Yes XXXXXX XXXXXX D B A A A A D B D B CA CA VA VA RD RB
XXXXXXXXXX 0965932383 Yes XXXXXX XXXXXX D B D B A A B B D B CD CB VA VA RB RB
XXXXXXXXXX 0037903115 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0064103702 Yes XXXXXX XXXXXX D B D A D A D B D B CD CA VD VA RD RB
XXXXXXXXXX 0104834647 Yes XXXXXX XXXXXX B B B A A A B B B B CB CA VA VA RB RB
XXXXXXXXXX 0153179307 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0885837781 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0308490700 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0347604491 Yes XXXXXX XXXXXX D A C A D A A A D A CC CA VD VA RA RA
XXXXXXXXXX 0706222462 Yes XXXXXX XXXXXX D B A A D A B B D B CA CA VD VA RB RB
XXXXXXXXXX 0278076877 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0701480937 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0182324620 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0520324877 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0449741665 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0957320562 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0527882355 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0943391969 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0492842120 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0059750561 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0198623356 Yes XXXXXX XXXXXX C B C A A A B B C B CC CA VA VA RB RB
XXXXXXXXXX 0562050924 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0543141934 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0366561147 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0094392600 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0698329521 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0510199528 Yes XXXXXX XXXXXX C B A A A A C B C B CA CA VA VA RC RB
XXXXXXXXXX 0447316518 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0742380670 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0782746714 Yes XXXXXX XXXXXX B A A A B A B A B A CA CA VB VA RB RA
XXXXXXXXXX 0552339713 Yes XXXXXX XXXXXX C B C B A A B B C B CC CB VA VA RB RB
XXXXXXXXXX 0419965117 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0182205318 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0166947466 Yes XXXXXX XXXXXX C A C A A A A A C A CC CA VA VA RA RA
XXXXXXXXXX 0128796492 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0406031293 Yes XXXXXX XXXXXX D A D A A A B A D A CD CA VA VA RB RA
XXXXXXXXXX 0136622356 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0725047023 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0211316149 Yes XXXXXX XXXXXX D B B A A A D B D B CB CA VA VA RD RB
XXXXXXXXXX 0294899031 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0212111315 Yes XXXXXX XXXXXX B B A A B A B B B B CA CA VB VA RB RB
XXXXXXXXXX 0015019535 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0014293133 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0821015942 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0242975166 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0932237230 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0603493435 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0647450821 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0690880566 Yes XXXXXX XXXXXX D B B B D A B B D B CB CB VD VA RB RB
XXXXXXXXXX 0262397850 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0181021468 Yes XXXXXX XXXXXX D A A A A A D A D A CA CA VA VA RD RA
XXXXXXXXXX 0702914997 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0334609891 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0774371873 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0240658470 Yes XXXXXX XXXXXX A B A A A A A B A B CA CA VA VA RA RB
XXXXXXXXXX 0247185195 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0858951157 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0607196369 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0638856255 Yes XXXXXX XXXXXX B A A A B A A A B A CA CA VB VA RA RA
XXXXXXXXXX 0298446113 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0378140285 Yes XXXXXX XXXXXX D B D A D A D B D B CD CA VD VA RD RB
XXXXXXXXXX 0131405959 Yes XXXXXX XXXXXX D B B B A A D B D B CB CB VA VA RD RB
XXXXXXXXXX 0062653660 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0390237758 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0073986251 Yes XXXXXX XXXXXX B A B A A A A A B A CB CA VA VA RA RA
XXXXXXXXXX 0157787246 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0971909691 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0303552074 Yes XXXXXX XXXXXX D B D A A A B B D B CD CA VA VA RB RB
XXXXXXXXXX 0143654006 Yes XXXXXX XXXXXX D B A A A A D B D B CA CA VA VA RD RB
XXXXXXXXXX 0867929569 Yes XXXXXX XXXXXX B B B A A A B B B B CB CA VA VA RB RB
XXXXXXXXXX 0263001859 Yes XXXXXX XXXXXX C A C A A A A A C A CC CA VA VA RA RA
XXXXXXXXXX 0247762325 Yes XXXXXX XXXXXX C A C A A A A A C A CC CA VA VA RA RA
XXXXXXXXXX 0511914208 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0147057311 Yes XXXXXX XXXXXX D A D A A A D A D A CD CA VA VA RD RA
XXXXXXXXXX 0251082501 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0524027806 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0105715403 Yes XXXXXX XXXXXX D B B B A A D A D B CB CB VA VA RD RA
XXXXXXXXXX 0856625349 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0413418738 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0599446850 Yes XXXXXX XXXXXX D A B A A A D A D A CB CA VA VA RD RA
XXXXXXXXXX 0210529810 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0592523327 Yes XXXXXX XXXXXX B A B A A A A A B A CB CA VA VA RA RA
XXXXXXXXXX 0785368596 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0423142028 Yes XXXXXX XXXXXX C A C A A A A A C A CC CA VA VA RA RA
XXXXXXXXXX 0436058353 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0144649071 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0467086752 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0671414011 Yes XXXXXX XXXXXX C A C A A A B A C A CC CA VA VA RB RA
XXXXXXXXXX 0397198429 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0310087816 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0334182583 Yes XXXXXX XXXXXX D B C B A A D A D B CC CB VA VA RD RA
XXXXXXXXXX 0461650624 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0911983245 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0711836479 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0904053843 Yes XXXXXX XXXXXX C B C B A A B B C B CC CB VA VA RB RB
XXXXXXXXXX 0838663243 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0181495557 Yes XXXXXX XXXXXX D A A A D A A A D A CA CA VD VA RA RA
XXXXXXXXXX 0429706823 Yes XXXXXX XXXXXX B B A A B B B B B B CA CA VB VB RB RB
XXXXXXXXXX 0385763800 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0027579213 Yes XXXXXX XXXXXX D A B A B A D A D A CB CA VB VA RD RA
XXXXXXXXXX 0665644821 Yes XXXXXX XXXXXX B A B A A A A A B A CB CA VA VA RA RA
XXXXXXXXXX 0526092963 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0941956191 Yes XXXXXX XXXXXX D A A A A A D A D A CA CA VA VA RD RA
XXXXXXXXXX 0736646590 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0323565512 Yes XXXXXX XXXXXX B A B A A A A A B A CB CA VA VA RA RA
XXXXXXXXXX 0317239311 Yes XXXXXX XXXXXX C B C B A A B B C B CC CB VA VA RB RB
XXXXXXXXXX 0188683956 Yes XXXXXX XXXXXX D B B B A A D B D B CB CB VA VA RD RB
XXXXXXXXXX 0987442490 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0871329913 Yes XXXXXX XXXXXX D B D A A A B B D B CD CA VA VA RB RB
XXXXXXXXXX 0545770439 Yes XXXXXX XXXXXX B B B B A A B B B B CB CB VA VA RB RB
XXXXXXXXXX 0797794060 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0888972501 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0127926602 Yes XXXXXX XXXXXX B B A A A A B B B B CA CA VA VA RB RB
XXXXXXXXXX 0122478716 Yes XXXXXX XXXXXX B A B A A A A A B A CB CA VA VA RA RA
XXXXXXXXXX 0852908963 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0740918592 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0418564687 Yes XXXXXX XXXXXX B B B A A A B B B B CB CA VA VA RB RB
XXXXXXXXXX 0549501990 Yes XXXXXX XXXXXX D B D A A A D B D B CD CA VA VA RD RB
XXXXXXXXXX 0363084481 Yes XXXXXX XXXXXX B B B B A A A A B B CB CB VA VA RA RA
XXXXXXXXXX 0427052057 Yes XXXXXX XXXXXX D B D A A A B B D B CD CA VA VA RB RB
XXXXXXXXXX 0608813187 Yes XXXXXX XXXXXX B B B A A A B B B B CB CA VA VA RB RB
XXXXXXXXXX 0344097908 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0024076265 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0289642497 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0829744080 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0743596711 Yes XXXXXX XXXXXX B A B A A A A A B A CB CA VA VA RA RA
XXXXXXXXXX 0924563948 Yes XXXXXX XXXXXX B B B A A A B B B B CB CA VA VA RB RB
XXXXXXXXXX 0322285411 Yes XXXXXX XXXXXX A A A A A A A A A B CA CA VA VB RA RA
XXXXXXXXXX 0968435943 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA
XXXXXXXXXX 0909630137 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0807321102 Yes XXXXXX XXXXXX A A A A A A A A A A CA CA VA VA RA RA
XXXXXXXXXX 0174514190 Yes XXXXXX XXXXXX D A D A A A A A D A CD CA VA VA RA RA
XXXXXXXXXX 0542530132 Yes XXXXXX XXXXXX D B D A A A D B D B CD CA VA VA RD RB
XXXXXXXXXX 0410849431 Yes XXXXXX XXXXXX B A A A A A B A B A CA CA VA VA RB RA