0001104659-20-081604.txt : 20200707 0001104659-20-081604.hdr.sgml : 20200707 20200707110748 ACCESSION NUMBER: 0001104659-20-081604 CONFORMED SUBMISSION TYPE: ABS-15G PUBLIC DOCUMENT COUNT: 10 CONFORMED PERIOD OF REPORT: 20200707 ITEM INFORMATION: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer FILED AS OF DATE: 20200707 DATE AS OF CHANGE: 20200707 ABS RULE: RULE-15GA2 REGISTERED ENTITY: N ABS ASSET CLASS: Residential mortgages - Prime Wells Fargo Mortgage Backed Securities 2020-3 Trust FILER: COMPANY DATA: COMPANY CONFORMED NAME: WELLS FARGO ASSET SECURITIES CORP CENTRAL INDEX KEY: 0001011663 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 521972128 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act SEC FILE NUMBER: 025-00453 FILM NUMBER: 201015549 BUSINESS ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 BUSINESS PHONE: 3018468881 MAIL ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 FORMER COMPANY: FORMER CONFORMED NAME: NORWEST ASSET SECURITIES CORP DATE OF NAME CHANGE: 19960717 DEPOSITOR: COMPANY DATA: COMPANY CONFORMED NAME: WELLS FARGO ASSET SECURITIES CORP CENTRAL INDEX KEY: 0001011663 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 521972128 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act BUSINESS ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 BUSINESS PHONE: 3018468881 MAIL ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 FORMER COMPANY: FORMER CONFORMED NAME: NORWEST ASSET SECURITIES CORP DATE OF NAME CHANGE: 19960717 SECURITIZER: COMPANY DATA: COMPANY CONFORMED NAME: WELLS FARGO ASSET SECURITIES CORP CENTRAL INDEX KEY: 0001011663 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 521972128 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act SEC FILE NUMBER: 025-00453 BUSINESS ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 BUSINESS PHONE: 3018468881 MAIL ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 FORMER COMPANY: FORMER CONFORMED NAME: NORWEST ASSET SECURITIES CORP DATE OF NAME CHANGE: 19960717 ABS-15G 1 tm2023321-1_abs15g.htm ABS-15G

 

 

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

FORM ABS-15G

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

 

WELLS FARGO ASSET SECURITIES CORPORATIoN

 

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

 

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

 

Date of Report (Date of earliest event reported) __________________

 

Commission File Number of securitizer: __________________

 

Central Index Key Number of securitizer:__________________

 

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

 

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

 

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

 

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

 

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

 

Central Index Key Number of depositor: 1011663

 

Wells Fargo Mortgage Backed Securities 2020-3 Trust
(Exact name of issuing entity as specified in its charter)

 

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

 

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

 

Diane Wold -- 952-242-2302

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

 

 

 

 

 

PART I: REPRESENTATION AND WARRANTY INFORMATION

 

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

 

Not Applicable

 

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

 

Not Applicable

 

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

 

Not Applicable

 

 

 

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

 

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

 

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

 

 

 

EXHIBIT INDEX

 

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

99.2 Clayton Loan Level Tape Compare

99.3 Clayton Rating Agency ATR QM Data Fields

99.4 Clayton Valuations Summary

99.5 Clayton Conditions Report

 

 

 

SIGNATURES

 

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

 

  Wells fargo asset securities corporation
   
  (Depositor)
   
Date: July 7, 2020  /s/ Peter R. Diliberti
  Name: Peter R. Diliberti
  Title: President (senior officer in charge of securitization)

 

 

EX-99.1 2 tm2023321d1_ex99-1.htm CLAYTON SERVICES LLC DUE DILIGENCE NARRATIVE REPORT

 

Exhibit 99.1

 

 

 

June 16, 2020

Due Diligence Narrative Report

 

 

 

 

 

Table of Contents

 

Clayton Contact Information 2
Overview 2
Originators 2
Clayton’s Third Party Review (“TPR”) Scope of Work 2
Sampling 3
Sponsor Acquisition Criteria 3
Loan Grading 3
TPR Component Review Scope 4
Credit Review 4
Property Valuation Review 4
Regulatory Compliance Review 5
Data Integrity 6
Data Capture 6
Data Compare Results 7
Clayton Due Diligence Results 7
Clayton Third Party Reports Delivered 9
Appendix A: Credit Review Scope 10
Appendix B: Origination Appraisal Assessment 13
Appendix C: Regulatory Compliance Review Scope 16

 

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Clayton Contact Information

 

Client Service Management:

 

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

 

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

 

Overview

 

On behalf of Wells Fargo Home Mortgage, Clayton conducted an independent third-party pre-securitization due diligence review of residential loans selected for the Wells Fargo securitization (WFMBS 2020-3). The loans referenced in this narrative report were reviewed from 2-2017 to 6-2020 at Clayton’s centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton’s review.

 

Originators

 

Origination channels for the loans in this review:

 

Origination Channel Loan Count Percentage
Correspondent Flow without delegated underwriting 9 1.30%
Correspondent Flow with delegated underwriting 49 7.07%
Retail 635 91.63%
Total 693 100.00%

 

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

 

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

 

 

1 Standard and Poor’s, Moody’s, Fitch, Kroll, DBRS, and Morningstar

 

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Sampling

 

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

 

Review Type Loan Counts

 

Review Type

Loan Count

Reviewed by Clayton

Scope Applied
Full Review 693 Clayton performed a Full Review based on the scope described below in the section titled “TPR Component Review Scope”.
Total Loan Population 693  

 

 

Sponsor Acquisition Criteria

 

The loans were originated to Guidelines and Clayton reviewed the loans to Wells Fargo Non-Agency Underwriting Guidelines. Correspondent Versions: _06.19_NC, 08.19_NC, 11.19_NC. Retail Versions: _01.20_NC, _02.17_NC, _02.19_NC,_08.19_NC and _11.19_NC. Clayton was supplied with all of the changes to the guidelines with advance notice.

 

 

 

Loan Grading

 

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

Clayton’s loan grading complied with rating agency grading definitions published by Moody’s, Standard and Poor’s, Fitch, Kroll, Morningstar and DBRS.

 

 

 

TPR Component Review Scope

 

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

 

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 Credit Review

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

§Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor Acquisition Criteria cited above;
§Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against the Sponsor Acquisition Criteria;
§Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor Acquisition Criteria;
§Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;
§Evaluated evidence of borrower’s willingness and ability to repay the obligation;
§Examined Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was ordered by the Seller or Clayton and received by Clayton for Nationwide Mortgage Licensing System and Registry (“NMLS”) and occupancy status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly.

 

 Property Valuation Review

 

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

 

§Original Appraisal Assessment
-Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.
-For more detail on the original appraisal review scope and desk review definitions, please refer to Appendix B and to the guidelines cited above.

 

§Value Supported Analysis

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. A Desk Review or a 2nd full origination appraisal was used to reconcile the original appraisal within a 10% variance. If a loan fell outside of a 10% variance then a Field Review and or Reconciliation, was ordered to reconcile within a 10% variance.

 

-693 loans had Desktop Reviews
-28 loans required Field Reviews (including two loans that had two Field Reviews)
-2 loans had a Reconciliation of value

Clayton did have independent access to the Desktop Reviews, Field Reviews and or Reconciliations for all loans in this population.

 

 

 

 Regulatory Compliance Review

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

 

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

 

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The scope of the compliance review performed is summarized below:

 

§Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;
§Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;
§Truth-in-lending/regulation Z (TILA) testing included the following:
-Notice of Right to Cancel (Right of Rescission) adherence if applicable;
-TIL Disclosure Timing (3/7/3) and disclosure content;
-TIL APR and Finance charge tolerances;
-Timeliness of ARM Disclosures (if applicable);
-Section 32 APR and Points and Fees Thresholds and prohibited practices;
-Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;
-Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling;
-Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower’s ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q.  Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;
oThe ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan’s undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point.

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

-Prepayment Penalty restrictions.
-TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.
§Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:
-GFE initial disclosure timing and content;
-Confirmed the file contains the final HUD1 Settlement Statement; 
-GFE to HUD1 evaluation for 0% and 10% fee tolerances;
-Homeownership Counseling Notice;
-Affiliated Business Disclosure if applicable.

 

OF NOTE:  As of October 3, 2015 (“TRID Effective Date”), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel’s interpretations of the published regulations as of the TRID Effective Date.  Clayton’s scope was commercially reasonable as it relates to a Third Party Review (“TPR”) firms role as TPR conducting an independent third-party pre-securitization due diligence review (“Initial TRID Scope”).  The Initial TRID Scope was created with guidance from outside counsel. 

 

On, June 15th, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope © documentation, developed under the leadership of members from Third Party Review (“TPR”) firms across the industry and SFIG’s RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act (“TILA) – Real Estate Settlement Procedures Act (“RESPA”) Integrated Disclosure (“TRID”) Rule (78 FR 79730, as amended).  RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

 

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Compliance Review (Business Purpose, Non-Owner Occupied)

 

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence.  For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower’s (or in the case of rescission a title holder’s) principal residence.   Most other consumer protection laws extend to a borrower’s secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered). 

 

Therefore, the list of laws that Clayton tests that apply to a loan secured by non-owner occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

 

State and Federal High Cost and Higher-Priced:

 

·Cook County High Cost Ordinance
·Chicago High Cost Ordinance

 

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property.  While the state of Illinois has similar language, Clayton’s audit law firm determined that only principal residences should be tested for IL high cost. 

 

Anti-predatory lending laws

 

·Virginia Lender and Broker Act after 6/1/2008
·Minnesota §58 on or after 8/1/2008

 

Prepayment Penalties and Late Charges in certain states

 

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

 

·Sufficiency of coverage
·Escrow of insurance payments

 

Data Integrity

 

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

 

§Tape data received from lender/client is stored in eCLAS;
§Loan Reviewer collects validated loan data in eCLAS;
§Each received data point is compared to its counterpart collected data point;

 

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§Discrepancies found during comparison are stored

 

 

Data Capture

 

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

 

 

Data Compare Results

 

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

 

Summary of data compare results:

Field Name # of Loan Accuracy
Cash Reserves 35 0.00%
Combined Loan to Value 14 97.98%
Debt to Income Ratio (Back) 15 97.84%
First Payment Date 1 99.86%
First Time Home Buyer 3 99.57%
Maturity Date 1 99.86%
Original Appraised Value 23 96.68%
Original Loan to Value 7 98.99%
Property Type 5 99.28%
Representative Score for Grading 3 99.57%
Sales Price 6 99.13%
Securitization Total Cash Out 20 97.11%
Self-Employment Flag 5 99.28%
Years in Home 33 95.24%

 

 

*Note: For Cash Reserves, Clayton randomly selected 35 Retail loans from the population. Those differences are disclosed on the Loan Level Tape Compare Upload.

 

 

Clayton Due Diligence Results

 

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

 

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Initial and Final Overall Loan Grade Results

 

  Overall Grade Migration
  Initial
Final   A B C D Total
A 452 1 51 41 545
B   92 35 19 146
C     1 1 2
D         0
Total 452 93 87 61 693

 

 

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

 

 

Initial and Final Credit Component Grade Results

 

  Credit Grade Migration
  Initial
Final   A B C D Total
A 554 3 3 34 594
B   87 2 10 99
C         0
D         0
Total 554 90 5 44 693

 

 

Initial and Final Property Valuation Grade Results

 

  Property Valuation Grade Migration
  Initial
Final   A B C D Total
A 655   28 1 684
B   4   3 7
C     2   2
D         0
Total 655 4 30 4 693

 

 

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Initial and Final Regulatory Compliance Grade Results

 

  Compliance Grade Migration
  Initial
Final   A B C D Total
A 565   36 42 643
B   23 24 3 50
C         0
D         0
Total 565 23 60 45 693

 

 

 

Clayton Third Party Reports Delivered

Clayton furnished the following reports on this transaction:

 

1.Narrative Report

 

2.Conditions Report

 

3.Loan Level Tape Compare Upload

 

4.Valuations Summary Reports

 

5.ATR/QM Data Fields Report

 

6.Waived Conditions Summary

 

8.ASF Upload

 

9.Attestation Forms

 

 

 

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Appendix A: Credit Review Scope

 

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

 

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

 

oDTI

oLTV/TLTV/HLTV

oCredit score

oIncome and employment

oAssets and reserves

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

oBorrower eligibility, including:

 

-    Citizenship status

 

-    Non- occupant co-borrower

 

oTransaction eligibility, including:

 

-    Maximum loan amount

 

-    Loan purpose

 

-    Occupancy

 

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

 

 

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

 

oUniform Residential Loan Application reviewed to determine:

 

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

 

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

 

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

 

oEmployment analyzed and verified through use of various documents, including:

 

-Income documentation

 

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

 

-CPA letter

 

-Business licenses

 

-Tax transcripts (IRS Form 4506-T)

 

-Other documentation in loan file

 

oIncome review included:

 

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

 

-Documents did not appear to have been altered or inconsistent

 

-IRS Form 4506-T

 

§Signed by all borrowers and processed by the originator

 

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

 

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

 

§Tax returns

 

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§Financial statements

 

§Paystubs

 

§W-2s

 

§1099

 

§IRS documents

 

§Bank statements

 

§Lease agreements

 

§Award letters

 

§Other documentation in loan file

 

oAsset review included:

 

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

 

§Verification of deposits (VOD)

 

§Depository account statements

 

§Stock or security account statements

 

§Gift funds

 

§Settlements statements

 

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

 

§Other documentation in loan file

 

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

 

oCredit Report review included:

 

-Complete copy of report was in loan file

 

-Report was dated within required timeframe

 

-All borrowers were included in the report

 

-Checked any fraud alerts against related loan file documentation

 

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

 

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

 

-Captured and utilized appropriate credit score for guideline review

 

oTitle policy review included:

 

-Title interest – determined if

 

§Fee simple

 

§Leasehold estate

 

-Appropriate vestee(s) were listed on title policy

 

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

 

-Applicable title endorsements were present

 

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

 

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

 

-Captured monthly tax payments in debt ratio calculation

 

oHUD1 (Settlement Statement) review included:

 

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

 

-Seller contributions did not exceed maximum allowed

 

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

 

-Disbursements and pay-offs included in debt ratio calculations

 

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-Loan purpose confirmed

 

oHazard/Flood insurance review included:

 

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

 

-Confirmed that any required insurance was for the:

 

§Correct borrower

 

§Correct property

 

§Correct lender

 

§Correct loan number

 

§Life of loan, if flood insurance required

 

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

 

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

 

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

 

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

 

oMortgage Insurance review included:

 

-Determined if mortgage insurance is required

 

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

 

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

 

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

 

oBorrower identity

 

-Social Security inconsistencies

 

-Borrower name variations

 

oOccupancy

 

-Borrower address history

 

-Subject property ownership history

 

oEmployment

 

oLicensing – reviewed NMLS data for:

 

-Mortgage lender/originator

 

-Loan officer

 

oOFAC

 

 

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Appendix B: Origination Appraisal Assessment

 

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

 

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

 

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

 

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

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

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

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

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

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

 

oAppraisal report was reasonably complete and included:

 

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

-Accurate identification of the subject property

-Accurate identification of the subject loan transaction

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

-All required attachments including:

 

§Subject front, rear and street photos and valued features
§Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance
§Photos of all comparable sales and listings
§Location map
§Exterior sketch of property with dimensions
§1004MC Market Conditions Report

 

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

 

-Appraisal date met supplied Sponsor Acquisition Criteria

 

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

 

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

 

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oTitle XI of FIRREA:

 

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

 

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

 

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

 

oUSPAP

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

-Property usage was reviewed for zoning compliance

 

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

 

-Neighborhood values were reviewed to determine if declining

 

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

 

§Location

 

§% built up

 

§Growth rate

 

§Demand/supply

 

§Marketing time

 

§Predominant occupancy

 

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

 

-Style of property was reviewed to determine if unique property

 

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

 

-Locational and/or environmental concerns adequately addressed if present

 

D.Property Eligibility Criteria – Clayton reviewed the property to determine that the property met the client supplied eligibility requirements. Examples of ineligible property types may include:
o3 to 4 unit owner occupied properties
o2 to 4 unit second homes
oUnwarrantable or limited review condominiums
oManufactured or mobile homes

 

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oCondotel units
oUnique properties
oWorking farms, ranches or orchards
oMixed-use properties
oProperties subject to existing oil or gas leases
oProperties located in Hawaii Lava Zones 1 and 2
oProperties exceeding Sponsor Acquisition Criteria requirements for excess acreage

 

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

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

 

F.Disclaimer

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

oClayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed valuation information for reasonableness
oClayton is not an ‘AMC’ (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property
oClayton is not a ‘creditor’ within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will not have any communication with or responsibility to any individual consumer concerning property valuation.
oClayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

 

G.Desk Review definitions

oClear Capital “CDA” means a written retrospective analysis of an appraisal of residential real property relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer. The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive market as of the effective date of the appraisal provided.  The CDA will also provide an analysis of the appraisal provided, including supporting narrative and data to fully support the CDA value and outline deficiencies within the appraisal. The CDA will also contain a Risk Score and Risk Indicators based upon the findings of the analysis for the appraisal provided to Clear Capital by Customer. 
oProTeck’s Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file completed by a licensed appraiser. The ARR validates  subject and comparable data and characteristics, confirms the original appraiser’s methodologies, credentials, and commentary to insure compliance with regulatory requirements and industry accepted best practices, and flags all risk factors while also providing a final value reconciliation used to grade the loan.

oRedBell "Valuation Risk Review" or ("VRR") means Supplier's alternative valuation product which consists of a review of a third-party valuation product (appraisal or BPO) by a licensed real estate appraiser.  The review is conducted to confirm the value provided in the third-party valuation product or provide a new reconciled, independent value.

 

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Appendix C: Regulatory Compliance Review Scope

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

 

Federal Law

 

A.RESPA and Regulation X: Loan level analysis on the following, on loans where applicable.
oAffiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm the disclosure was provided to the borrower
oHomeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within 3 days of application

 

B.Truth in Lending Act and Regulation Z - Loan level analysis on the following, on loans where applicable.
oTIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.
oMortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after July 30, 2009 (Section 19)
oARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs identified within the loan file
oRight of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the loan disbursement (Section 23)
oHigh Cost mortgage thresholds for points and fees (Section 32)
oHigh Cost Prohibited Acts and Practices upon request (Section 33)
oHigher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)
oProhibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)

 

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oATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)
oTILA/RESPA Integrated Disclosure Rule: “The Initial TRID Scope”
§Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate (“LE”) and Closing Disclosure (“CD”)
§Pre-application Requirement Testing:
·Pre-application forms cannot look similar to the LE

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

 

§Timing Requirements:

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

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

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

§Fee Tolerances:

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

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

§Payment Schedule Accuracy:

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

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

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

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

§Accuracy of the Loan Calculations

·Amount Financed

·Finance Charge

·Total of Payments

·Total interest percentage

§Technical Requirements

·Compliance with the TRID rounding rules.

·Compliance with specified formatting requirements.

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

·Alphabetization of fees.

·Title fees preceded by “Title –.”

 

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

§Consistency within and across forms

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

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

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

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

§Completion of the LE and CD

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

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

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

§Waivers

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

§Corrected CD requiring a new waiting period

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

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

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

§Post-Close CD’s

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

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

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

§Related Documentation

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

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

·Affiliated Business Disclosure (can impact fee tolerances)

§Outside of Clayton’s default TRID scope:

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

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

 

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·Accuracy of the Aggregate Adjustment amount.

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

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

 

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

 

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

 

 

STATE, COUNTY and MUNICIPAL LAW

 

A.Higher-Priced

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

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

 

B.State/Local High Cost

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

 

 

State/Local High Cost
Arkansas Maine Pennsylvania
California Maryland Rhode Island, including the Providence ordinance
Colorado Massachusetts South Carolina
Connecticut Nevada Tennessee
District of Columbia New Jersey Texas
Florida New Mexico Utah
Georgia New York

Vermont (High Rate, High Point law)

Illinois, including the Cook County and Chicago ordinances North Carolina Wisconsin
Indiana

Ohio, including Cleveland Heights ordinance

 
Kentucky Oklahoma  

 

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C.Anti-Predatory

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

 

·Minnesota (Mortgage Originator and Service Licensing Act)

 

·Puerto Rico (Office Regulation 5722)

 

·Texas (Texas Finance Code)

 

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

 

D.Borrower’s Interest

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

 

Borrower’s Interest
Maine Ohio South Carolina
Massachusetts Rhode Island  

 

E.Consumer Protection

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

 

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

 

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

 

F.Texas Equity

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

 

GSE Testing

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

 

Disclaimer

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton’s review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton’s review is not designed to fully test a lender’s compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.

 

 

 

 

© 2019 Clayton Services LLC. All rights reserved.

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

 

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EX-99.2 3 tm2023321d1_ex99-2.htm CLAYTON LOAN LEVEL TAPE COMPARE

 

Exhibit 99.2

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-3
Start - End Dates: 2/2017-6/2020
Deal Loan Count: 693
   
       
Loan Level Tape Compare Upload  
       
Loans in Report 139

 

Alt Loan Number Borrower Last Name Field Name Tape Data Reviewer Data
0267055387 XXXXXX Cash Reserves 292442.45 88530.79
0983065273 XXXXXX Cash Reserves 86809.57 81181.11
0011090965 XXXXXX Cash Reserves 487280.65 610606.63
0127206157 XXXXXX Cash Reserves 125968.31 127140.53
0327877533 XXXXXX Cash Reserves 257934.12 239851.57
0934738705 XXXXXX Cash Reserves 323645.59 323672.98
0931076935 XXXXXX Cash Reserves 176975.83 249274.67
0987760059 XXXXXX Cash Reserves 141994.27 140901.75
0519746633 XXXXXX Cash Reserves 228090.10 231226.81
0637415947 XXXXXX Cash Reserves 100405.23 81887.26
0435659717 XXXXXX Cash Reserves 250620.94 192426.57
0647979235 XXXXXX Cash Reserves 626852.65 635115.59
0301537992 XXXXXX Cash Reserves 116561.34 119806.77
0126289714 XXXXXX Cash Reserves 187702.77 186664.01
0126289714 XXXXXX Securitization Total Cash Out 769926.61 578429.78
0548410117 XXXXXX Cash Reserves 101246.63 126855.48
0815077268 XXXXXX Cash Reserves 487579.39 451348.37
0105102761 XXXXXX Cash Reserves 131520.30 132573.52
0424196930 XXXXXX Cash Reserves 922358.18 489597.73
0376690722 XXXXXX Cash Reserves 349076.29 365897.14
0203513337 XXXXXX Cash Reserves 402895.78 364188.96
0522989695 XXXXXX Cash Reserves 556735.01 556556.64
0132647272 XXXXXX Cash Reserves 333965.06 332256.27
0256142017 XXXXXX Cash Reserves 432920.11 433460.53
0256142017 XXXXXX Debt to Income Ratio (Back) 31.5600 27.0147
0321626720 XXXXXX Cash Reserves 362580.28 363275.28
0981461070 XXXXXX Cash Reserves 782280.46 782921.55
0637451753 XXXXXX Cash Reserves 292032.30 208989.97
0273235950 XXXXXX Cash Reserves 121048.89 115949.55
0751916311 XXXXXX Cash Reserves 47583.50 51516.29
0889562205 XXXXXX Cash Reserves 93004.16 100699.16
0427189068 XXXXXX Years in Home 6.58 7.17
0857947782 XXXXXX Cash Reserves 56087.20 72483.07
0256677040 XXXXXX Years in Home 0.83 1.50
0239784238 XXXXXX Cash Reserves 561396.73 530231.47
0047945810 XXXXXX Cash Reserves 181855.93 178051.96
0835736938 XXXXXX Cash Reserves 45142.50 45647.93
0492688172 XXXXXX Cash Reserves 82575.64 83270.59
0492688172 XXXXXX Years in Home 0.92 1.42
0755217415 XXXXXX Cash Reserves 1160063.47 1147234.38
0766577444 XXXXXX Combined LTV 49.26 46.46
0766577444 XXXXXX Years in Home 5.83 6.92
0775806797 XXXXXX Debt to Income Ratio (Back) 37.2300 33.1330
0691861716 XXXXXX Combined LTV 76.40 67.99
0315183647 XXXXXX Years in Home 17.92 18.33
0587257289 XXXXXX Self Employed Flag Yes No
0579183155 XXXXXX Years in Home 3.67 4.08
0212460273 XXXXXX First Payment Date XXXXXX XXXXXX
0212460273 XXXXXX Maturity Date XXXXXX XXXXXX
0212460273 XXXXXX Securitization Total Cash Out 269662.26 348657.36
0282248105 XXXXXX Years in Home 8.75 9.17
0842481485 XXXXXX Years in Home 13.67 14.00
0390131541 XXXXXX Combined LTV 78.05 76.97
0390131541 XXXXXX Original Appraised Value XXXXXX XXXXXX
0390131541 XXXXXX Original LTV 78.05 76.97
0733569252 XXXXXX Years in Home 0.67 1.00
0003400673 XXXXXX Debt to Income Ratio (Back) 38.2200 35.1818
0246237088 XXXXXX Years in Home 5.75 6.17
0624782699 XXXXXX Debt to Income Ratio (Back) 30.2400 33.9681
0624782699 XXXXXX Original Appraised Value XXXXXX XXXXXX
0624782699 XXXXXX Securitization Total Cash Out 723879.37 2140.49
0108484522 XXXXXX Years in Home 2.92 3.17
0729651093 XXXXXX Years in Home 23.75 24.08
0147276503 XXXXXX Original Appraised Value XXXXXX XXXXXX
0357768666 XXXXXX Representative Credit Score for Grading 814 809
0357768666 XXXXXX Years in Home 1.67 2.00
0027206507 XXXXXX Years in Home 1.83 2.17
0693582875 XXXXXX Original Appraised Value XXXXXX XXXXXX
0189641240 XXXXXX Self Employed Flag Yes No
0920564109 XXXXXX Securitization Total Cash Out 309408.21 309365.21
0790097948 XXXXXX Years in Home 0.92 1.75
0727092139 XXXXXX Combined LTV 40.42 33.61
0727092139 XXXXXX Original Appraised Value XXXXXX XXXXXX
0727092139 XXXXXX Original LTV 40.42 33.61
0727092139 XXXXXX Securitization Total Cash Out 45575.93 45353.48
0727092139 XXXXXX Years in Home 0.75 1.00
0443514365 XXXXXX Securitization Total Cash Out 36617.82 36617.62
0448299874 XXXXXX Years in Home 0.83 1.33
0617713670 XXXXXX Debt to Income Ratio (Back) 12.8300 9.0480
0749998744 XXXXXX First Time Home Buyer No Yes
0941590921 XXXXXX Sales Price XXXXXX XXXXXX
0796350178 XXXXXX Combined LTV 80.00 73.12
0796350178 XXXXXX Original Appraised Value XXXXXX XXXXXX
0796350178 XXXXXX Original LTV 80.00 73.12
0423216499 XXXXXX Original Appraised Value XXXXXX XXXXXX
0141616590 XXXXXX Property Type Low Rise Condo (1-4) Site Condo
0815783276 XXXXXX Years in Home 0.67 1.08
0508743030 XXXXXX Securitization Total Cash Out 99328.32 98682.64
0992925460 XXXXXX Combined LTV 71.02 66.60
0972480194 XXXXXX Years in Home 4.67 5.08
0845535508 XXXXXX Debt to Income Ratio (Back) 35.9800 33.4161
0866388863 XXXXXX Securitization Total Cash Out 276860.10 276807.23
0458741351 XXXXXX Combined LTV 64.03 59.74
0596614185 XXXXXX Combined LTV 64.52 58.82
0596614185 XXXXXX Original Appraised Value XXXXXX XXXXXX
0596614185 XXXXXX Original LTV 64.52 58.82
0596614185 XXXXXX Years in Home 4.83 5.08
0839597392 XXXXXX Years in Home 1.92 2.08
0287509371 XXXXXX Original Appraised Value XXXXXX XXXXXX
0486886922 XXXXXX Securitization Total Cash Out 153436.17 124483.94
0066460386 XXXXXX Combined LTV 70.58 65.80
0066460386 XXXXXX Years in Home 3.83 4.08
0143613020 XXXXXX Securitization Total Cash Out 219339.24 219260.86
0400794719 XXXXXX First Time Home Buyer Yes No
0970143808 XXXXXX Debt to Income Ratio (Back) 11.8800 22.1130
0586695440 XXXXXX Securitization Total Cash Out 114828.44 47484.61
0073568834 XXXXXX Securitization Total Cash Out 710463.72 710248.72
0381644460 XXXXXX Securitization Total Cash Out 183865.90 183763.92
0883191688 XXXXXX Original Appraised Value XXXXXX XXXXXX
0883191688 XXXXXX Securitization Total Cash Out 14312.50 14264.33
0883191688 XXXXXX Self Employed Flag Yes No
0935135319 XXXXXX Original Appraised Value XXXXXX XXXXXX
0638636821 XXXXXX Self Employed Flag Yes No
0773170822 XXXXXX Securitization Total Cash Out 299266.14 299078.58
0067690391 XXXXXX Securitization Total Cash Out 85362.40 85310.96
0401771554 XXXXXX Debt to Income Ratio (Back) 36.7500 34.3687
0401771554 XXXXXX Original Appraised Value XXXXXX XXXXXX
0604718244 XXXXXX Years in Home 1.83 2.00
0589770587 XXXXXX Sales Price XXXXXX XXXXXX
0141601558 XXXXXX Years in Home 6.83 7.08
0574315880 XXXXXX Sales Price XXXXXX XXXXXX
0463185065 XXXXXX First Time Home Buyer No Yes
0893748906 XXXXXX Years in Home 15.75 16.00
0772921524 XXXXXX Years in Home 0.08 4.92
0463439308 XXXXXX Years in Home 0.92 1.17
0982383999 XXXXXX Original Appraised Value XXXXXX XXXXXX
0501714950 XXXXXX Original Appraised Value XXXXXX XXXXXX
0119177982 XXXXXX Combined LTV 51.73 50.41
0119177982 XXXXXX Original LTV 51.73 50.41
0119177982 XXXXXX Sales Price XXXXXX XXXXXX
0204020307 XXXXXX Securitization Total Cash Out 104106.37 101253.41
0423573974 XXXXXX Sales Price XXXXXX XXXXXX
0633758396 XXXXXX Original Appraised Value XXXXXX XXXXXX
0086093449 XXXXXX Securitization Total Cash Out 14924.78 15163.90
0881226962 XXXXXX Original Appraised Value XXXXXX XXXXXX
0902805089 XXXXXX Original Appraised Value XXXXXX XXXXXX
0233355323 XXXXXX Years in Home 8.83 9.08
0252168237 XXXXXX Securitization Total Cash Out 275789.93 273691.43
0051197645 XXXXXX Years in Home 27.75 27.92
0217886850 XXXXXX Property Type Detached PUD Attached PUD
0596315097 XXXXXX Original Appraised Value XXXXXX XXXXXX
0814095225 XXXXXX Years in Home 15.83 16.92
0393988829 XXXXXX Securitization Total Cash Out 103700.85 8144.10
0106776327 XXXXXX Self Employed Flag Yes No
0499972963 XXXXXX Debt to Income Ratio (Back) 23.4300 30.9183
0945949703 XXXXXX Sales Price XXXXXX XXXXXX
0984797009 XXXXXX Combined LTV 73.30 63.30
0933447834 XXXXXX Combined LTV 44.31 35.33
0294870117 XXXXXX Debt to Income Ratio (Back) 24.1000 30.5778
0270896285 XXXXXX Property Type SFR-Attached 2 Family
0463171726 XXXXXX Combined LTV 67.56 65.99
0463171726 XXXXXX Original Appraised Value XXXXXX XXXXXX
0463171726 XXXXXX Original LTV 67.56 65.99
0099697552 XXXXXX Years in Home 1.92 2.00
0519255874 XXXXXX Years in Home 4.83 5.00
0613158755 XXXXXX Combined LTV 76.77 67.36
0613158755 XXXXXX Original Appraised Value XXXXXX XXXXXX
0613158755 XXXXXX Original LTV 76.77 67.36
0613158755 XXXXXX Years in Home 1.17 0.33
0337664369 XXXXXX Original Appraised Value XXXXXX XXXXXX
0809587041 XXXXXX Debt to Income Ratio (Back) 45.6200 31.6780
0011801226 XXXXXX Property Type SFR Detached PUD
0120417966 XXXXXX Debt to Income Ratio (Back) 36.3800 21.6035
0051460754 XXXXXX Debt to Income Ratio (Back) 42.0600 39.6695
0547163489 XXXXXX Original Appraised Value XXXXXX XXXXXX
0666729178 XXXXXX Representative Credit Score for Grading 808 703
0974682305 XXXXXX Representative Credit Score for Grading 744 747
0426143530 XXXXXX Property Type Low Rise Condo (1-4) Site Condo
0971600082 XXXXXX Debt to Income Ratio (Back) 29.8900 26.5839
0971600082 XXXXXX Original Appraised Value XXXXXX XXXXXX
0126812109 XXXXXX Debt to Income Ratio (Back) 30.0300 34.3121
©2020 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. 

 

 

 

EX-99.3 4 tm2023321d1_ex99-3.htm CLAYTON RATING AGENCY ATR QM DATA FIELDS

 

Exhibit 99.3

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-3
Start - End Dates: 2/2017-6/2020
Deal Loan Count: 693
   
         
Rating Agency ATR QM Data Fields
         
Loans in Report: 693

 

Alt Loan Number Loan Level ATR/QM Status Application Date Prior to 1/10/2014 TRID Indicator Lender Application Date Broker Application Date GSE Eligible QRM Flag
0575918361 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0267055387 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0983065273 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0011090965 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0127206157 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0327877533 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0934738705 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0931076935 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0987760059 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0519746633 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0637415947 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0435659717 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0647979235 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0301537992 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0126289714 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0548410117 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0815077268 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0105102761 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0424196930 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0376690722 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0203513337 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0522989695 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0132647272 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0256142017 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0321626720 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0981461070 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0637451753 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0273235950 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0751916311 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0889562205 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0427189068 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0857947782 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0256677040 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0239784238 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0047945810 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0835736938 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0492688172 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0755217415 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0211403208 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0891574501 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0760685769 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0909460216 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0766577444 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0689253110 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0635653804 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0647316966 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0114331938 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0410705318 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0316095343 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0638274677 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0869229098 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0775806797 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0086555443 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0691861716 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0447436545 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0019747202 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0614080412 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0828617078 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0315183647 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0066468618 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0587257289 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0661479127 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0579183155 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0960463516 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0382848649 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0781117886 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0454239372 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0212460273 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0282248105 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0149938256 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0280951264 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0152026361 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0934228442 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0513436141 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0665965148 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0676241009 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0140413073 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0248562007 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0902138430 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0842481485 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0946724327 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0184294920 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0390131541 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0165335792 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0439570908 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0592916616 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0566403744 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0733569252 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0128603622 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0850788224 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0353807147 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0883544783 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0495512620 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0051185953 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0003400673 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0187283488 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0311275987 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0660918043 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0690126901 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0961757622 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0246237088 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0923404759 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0288775895 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0624782699 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0472976951 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0958240532 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0478451803 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0872152327 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0673234502 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0167969947 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0485017729 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0108484522 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0458597942 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0729651093 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0807012578 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0250616178 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0484252462 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0082394135 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0775480275 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0848901414 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0206504277 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0869104624 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0147276503 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0357768666 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0446767784 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0632163685 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0061627887 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0965799910 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0027206507 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0649999381 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0763354143 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0693582875 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0852820671 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0803617568 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0804200644 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0296321347 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0733897444 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0329887098 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0421965797 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0476095012 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0718872886 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0636867770 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0267487076 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0195728018 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0772659998 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0011223065 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0957037738 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0287850345 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0343009539 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0066565164 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0606360004 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0031914111 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0322977121 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0028477011 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0512524979 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0189641240 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0830259665 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0163768883 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0920564109 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0698076187 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0224443300 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0578018645 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0660339771 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0063181093 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0722343732 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0790097948 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0527620912 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0356979259 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0214949090 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0177640574 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0789246402 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0322706730 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0327979007 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0494951529 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0252870469 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0861479887 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0075878995 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0918908337 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0986096742 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0430048604 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0543050232 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0565064278 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0727092139 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0389976762 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0482825021 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0404172270 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0596803090 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0880963526 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0575349222 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0180641362 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0443514365 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0651845588 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0311979074 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0111122338 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0391709270 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0991316851 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0397813379 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0448299874 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0029402901 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0612453596 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0253531793 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0478034267 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0617713670 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0496416372 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0909259206 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0887025718 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0869008815 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0757533368 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0749998744 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0326350931 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0941590921 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0881262118 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0413376277 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0796350178 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0598344899 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0373805812 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0666186753 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0984152521 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0423216499 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0283627866 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0807760889 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0643564506 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0499709015 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0042912109 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0141616590 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0009310433 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0815783276 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0891883504 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0614343789 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0330876050 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0508743030 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0054666582 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0688153781 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0574802771 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0904937257 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0992925460 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0758558863 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0567066302 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0665003731 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0972480194 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0096428484 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0270305714 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0697169855 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0024666365 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0845535508 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0885074769 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0387255237 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0299349768 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0446571853 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0866388863 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0052264422 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0458741351 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0027375279 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0596614185 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0121728219 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0229174358 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0900410794 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0907910824 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0507906396 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0839597392 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0287509371 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0265972722 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0551106617 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0732060064 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0407861797 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0572567581 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0905413073 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0111515188 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0290911310 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0815799280 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0040513115 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0987277079 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0486886922 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0066460386 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0788221083 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0150569991 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0773333636 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0654382150 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0257299882 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0833201387 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0623212936 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0216887386 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0595309566 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0006246739 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0143613020 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0892452284 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0875564480 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0400794719 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0151931353 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0972228840 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0186106294 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0564354201 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0970143808 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0109879421 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0147088588 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0975143436 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0586695440 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0698879646 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0670241357 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0852748382 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0745820727 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0661933393 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0434461378 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0966930038 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0073568834 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0124118369 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0832406984 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0332825603 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0026931308 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0069823872 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0796616278 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0183409537 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0496151433 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0381644460 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0510226110 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0638553428 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0989179353 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0827362803 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0331670106 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0176325343 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0772531540 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0883191688 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0935135319 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0509172664 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0387913058 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0941628554 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0811218162 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0638636821 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0239866751 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0652945414 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0653662535 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0213695160 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0838781033 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0516679625 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0776821255 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0493284315 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0055110221 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0250306049 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0263537948 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0649165515 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0152605952 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0773170822 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0090098377 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0067690391 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0995089380 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0020240931 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0527681168 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0716570777 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0691481234 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0517111211 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0212802515 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0502569024 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0031042677 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0139328346 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0409087520 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0168332797 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0401771554 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0534772069 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0853300137 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0175570953 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0976914039 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0604718244 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0017438879 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0225929685 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0400517747 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0817087141 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0376949180 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0571251354 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0121920863 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0589770587 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0945332449 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0382923592 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0184084543 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0361062954 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0537872862 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0607500115 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0848405652 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0093824078 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0153106253 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0141601558 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0873525496 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0763975052 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0574315880 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0735188950 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0463185065 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0295394512 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0344949400 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0404038797 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0045372676 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0117467289 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0428827678 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0060360382 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0388660807 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0184849577 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0479316549 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0658790748 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0595359991 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0893748906 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0772921524 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0820690638 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0580787968 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0528165425 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0628966610 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0673242717 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0470992348 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0441113274 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0412231888 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0837824508 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0463439308 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0480980438 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0143498746 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0268079662 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0302416740 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0405424563 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0051217910 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0692778696 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0296054245 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0693766255 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0317127482 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0761699662 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0982383999 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0793137276 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0415770466 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0501714950 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0510931562 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0913497649 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0119177982 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0219410091 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0204020307 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0124612723 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0423573974 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0633758396 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0086093449 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0586306701 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0357427472 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0118389141 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0457211593 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0849458578 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0881226962 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0536317749 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0902805089 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0060289493 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0342741351 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0205794193 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0119521075 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0704218236 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0092331800 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0351448413 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0966927222 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0233355323 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0956692933 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0851541144 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0483586123 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0635327011 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0574037653 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0224258049 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0952676396 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0144706572 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0722137058 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0252168237 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0950382458 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0959479961 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0885967578 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0712354255 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0051197645 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0313465573 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0091549307 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0767833346 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0273589785 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0517043976 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0547685704 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0746534248 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0764334177 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0548469352 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0925216256 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0978099742 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0370797674 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0309305644 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0532294495 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0217886850 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0040730354 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0202345953 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0768373910 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0700768695 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0891984460 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0482601211 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0202412456 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0029201256 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0294313058 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0377470874 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0091942360 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0976171249 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0069149606 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0956538933 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0667700380 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0772988316 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0820694736 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0863735770 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0659371858 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0088488729 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0382968816 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0620963315 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0950664319 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0197227847 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0915378242 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0706622870 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0232102532 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0376404004 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0714406094 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0983538365 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0433553551 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0410954749 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0361026646 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0664144213 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0555664563 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0980694010 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0534944349 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0896411322 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0571423561 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0367085192 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0091601491 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0009931046 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0200826751 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0071382981 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0596315097 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0879273427 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0634208653 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0814095225 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0771728646 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0404029043 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0375759553 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0640925264 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0393988829 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0106776327 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0079462421 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0499972963 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0945949703 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0689465985 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0131720101 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0812909615 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0881792887 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0219977465 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0957914529 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0169817285 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0819058018 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0102206851 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0453939203 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0261087678 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0410605347 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0723471326 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0111368640 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0395677022 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0232215406 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0144237327 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0370125516 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0522663268 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0973374097 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0984797009 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0542370164 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0933447834 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0605984110 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0546204603 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0426822088 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0520541188 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0918893707 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0773985689 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0712328488 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0298754410 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0565708630 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0693331121 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0010198152 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0821471921 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0923590549 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0802857906 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0997213008 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0975403979 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0535894813 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0365910182 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0187488264 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0925229322 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0146415154 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0639052776 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0490230167 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0294870117 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0653501772 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0839433194 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0889767161 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0519719850 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0072565397 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0044944341 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0519937737 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0113023418 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0419701598 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0433036086 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0108834875 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0132138184 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0867149051 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0270896285 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0975869822 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0989004130 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0715079630 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0807446297 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0420672372 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0911888537 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0339550150 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0554068076 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0626886708 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0520562074 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0715130396 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0412918962 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0673145296 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0636405648 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0587971925 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0974393174 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0797935485 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0072126655 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0328916245 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0862463429 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0325676310 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0463171726 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0305104473 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0855732233 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0310086781 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0079429953 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0099697552 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0686090594 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0796220400 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0520364320 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0519255874 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0398569103 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0675142207 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0900815225 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0867257622 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0199561455 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0613158755 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0552172577 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0513330913 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0151119228 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0337664369 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0809587041 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0199133857 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0783812218 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0011801226 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0663053020 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0471475459 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0167413481 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0506335865 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0120417966 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0614626177 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0628812501 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0945694819 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0775699939 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0783238917 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0051460754 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0474630771 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0808185458 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0551536361 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0768946622 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0666036899 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0972883650 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0358894362 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0771917210 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0547163489 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0196690801 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0459025494 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0666729178 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0640700103 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0168152019 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0306363148 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0228714371 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0711395015 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0918265848 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0155390259 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0974682305 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0351891074 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0226675848 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0565604886 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0076806311 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0392914442 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0067751252 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0426143530 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0606553012 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0115423239 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0722315217 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0707146928 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0971600082 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0767204093 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0229802107 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0412998769 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0126812109 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0913486634 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0509924530 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0083121188 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes

 

Alt Loan Number ATR/QM Total Points and Fees Rate Lock Date APR Bwr 1 Employment Indicator Bwr 2 Employment Indicator Bwr 1 Foreign National Indicator
0575918361 995 XXXXXX 4.4026 Employed (No Data) U.S. Citizen
0267055387 1075 XXXXXX 3.6579 Employed Employed U.S. Citizen
0983065273 0 XXXXXX 3.3635 Employed (No Data) U.S. Citizen
0011090965 1530 XXXXXX 3.2714 Employed Employed U.S. Citizen
0127206157 70 XXXXXX 4.1318 Employed (No Data) U.S. Citizen
0327877533 0 XXXXXX 3.4999 Employed Employed U.S. Citizen
0934738705 1136 XXXXXX 3.2687 Employed (No Data) U.S. Citizen
0931076935 1075 XXXXXX 3.4131 Employed (No Data) U.S. Citizen
0987760059 0 XXXXXX 3.8749 Employed (No Data) U.S. Citizen
0519746633 0 XXXXXX 3.3766 Employed Employed U.S. Citizen
0637415947 528 XXXXXX 3.5426 Employed Employed U.S. Citizen
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0565604886 836.1 XXXXXX 3.2426 Employed Employed U.S. Citizen
0076806311 2185 XXXXXX 3.9085 Employed (No Data) U.S. Citizen
0392914442 1053 XXXXXX 3.7672 Employed Retired U.S. Citizen
0067751252 1195 XXXXXX 3.6439 Employed (No Data) U.S. Citizen
0426143530 1715 XXXXXX 3.6782 Employed (No Data) U.S. Citizen
0606553012 4162.99 XXXXXX 3.4358 Employed Employed U.S. Citizen
0115423239 15419 XXXXXX 3.5106 Employed Employed U.S. Citizen
0722315217 995 XXXXXX 3.6451 Employed Employed U.S. Citizen
0707146928 0 XXXXXX 3.875 Unemployed Employed U.S. Citizen
0971600082 5312.6 XXXXXX 4.0477 Employed (No Data) Non-Permanent Resident Alien
0767204093 2970.2 XXXXXX 3.5434 Employed Employed U.S. Citizen
0229802107 1284.75 XXXXXX 3.8907 Employed (No Data) U.S. Citizen
0412998769 1249 XXXXXX 3.5187 Employed (No Data) U.S. Citizen
0126812109 1270 XXXXXX 3.7614 Employed Employed U.S. Citizen
0913486634 10849.34 XXXXXX 4.1644 Employed (No Data) U.S. Citizen
0509924530 12151.5 XXXXXX 3.7329 Employed (No Data) U.S. Citizen
0083121188 1575 XXXXXX 3.7654 Employed Unemployed U.S. Citizen

 

Alt Loan Number Bwr 2 Foreign National Indicator Borrowers Qualified Through a Non-Resident Alien Program Residual Income Analysis in File ATR/QM Residual Income
0575918361 (No Data) (No Data) No 0
0267055387 U.S. Citizen (No Data) No 0
0983065273 (No Data) (No Data) No 0
0011090965 U.S. Citizen (No Data) No 0
0127206157 (No Data) (No Data) No 0
0327877533 U.S. Citizen (No Data) No 0
0934738705 (No Data) (No Data) No 0
0931076935 (No Data) (No Data) No 0
0987760059 (No Data) (No Data) No 0
0519746633 U.S. Citizen (No Data) No 0
0637415947 U.S. Citizen (No Data) No 0
0435659717 (No Data) (No Data) No 0
0647979235 U.S. Citizen (No Data) No 0
0301537992 U.S. Citizen (No Data) No 0
0126289714 U.S. Citizen (No Data) No 0
0548410117 U.S. Citizen (No Data) No 0
0815077268 (No Data) (No Data) No 0
0105102761 (No Data) (No Data) No 0
0424196930 U.S. Citizen (No Data) No 0
0376690722 (No Data) (No Data) No 0
0203513337 U.S. Citizen (No Data) No 0
0522989695 (No Data) (No Data) No 0
0132647272 U.S. Citizen (No Data) No 0
0256142017 U.S. Citizen (No Data) No 0
0321626720 (No Data) (No Data) No 0
0981461070 U.S. Citizen (No Data) No 0
0637451753 (No Data) (No Data) No 0
0273235950 (No Data) (No Data) No 0
0751916311 U.S. Citizen (No Data) No 0
0889562205 U.S. Citizen (No Data) No 0
0427189068 U.S. Citizen (No Data) No 0
0857947782 U.S. Citizen (No Data) No 0
0256677040 U.S. Citizen (No Data) No 0
0239784238 U.S. Citizen (No Data) No 0
0047945810 (No Data) (No Data) No 0
0835736938 U.S. Citizen (No Data) No 0
0492688172 U.S. Citizen (No Data) No 0
0755217415 (No Data) (No Data) No 0
0211403208 U.S. Citizen (No Data) No 0
0891574501 U.S. Citizen (No Data) No 0
0760685769 Non-Permanent Resident Alien (No Data) No 0
0909460216 U.S. Citizen (No Data) No 0
0766577444 (No Data) (No Data) No 0
0689253110 U.S. Citizen (No Data) No 0
0635653804 (No Data) (No Data) No 0
0647316966 (No Data) (No Data) No 0
0114331938 U.S. Citizen (No Data) No 0
0410705318 (No Data) (No Data) No 0
0316095343 U.S. Citizen (No Data) No 0
0638274677 U.S. Citizen (No Data) No 0
0869229098 U.S. Citizen (No Data) No 0
0775806797 (No Data) (No Data) No 0
0086555443 U.S. Citizen (No Data) No 0
0691861716 (No Data) (No Data) No 0
0447436545 U.S. Citizen (No Data) No 0
0019747202 U.S. Citizen (No Data) No 0
0614080412 (No Data) (No Data) No 0
0828617078 (No Data) (No Data) No 0
0315183647 (No Data) (No Data) No 0
0066468618 (No Data) (No Data) No 0
0587257289 (No Data) (No Data) No 0
0661479127 Non-Permanent Resident Alien (No Data) No 0
0579183155 Permanent Resident Alien (No Data) No 0
0960463516 U.S. Citizen (No Data) No 0
0382848649 U.S. Citizen (No Data) No 0
0781117886 U.S. Citizen (No Data) No 0
0454239372 U.S. Citizen (No Data) No 0
0212460273 (No Data) (No Data) No 0
0282248105 (No Data) (No Data) No 0
0149938256 (No Data) (No Data) No 0
0280951264 U.S. Citizen (No Data) No 0
0152026361 U.S. Citizen (No Data) No 0
0934228442 U.S. Citizen (No Data) No 0
0513436141 U.S. Citizen (No Data) No 0
0665965148 (No Data) (No Data) No 0
0676241009 U.S. Citizen (No Data) No 0
0140413073 (No Data) (No Data) No 0
0248562007 U.S. Citizen (No Data) No 0
0902138430 U.S. Citizen (No Data) No 0
0842481485 U.S. Citizen (No Data) No 0
0946724327 U.S. Citizen (No Data) No 0
0184294920 U.S. Citizen (No Data) No 0
0390131541 (No Data) (No Data) No 0
0165335792 (No Data) (No Data) No 0
0439570908 Permanent Resident Alien (No Data) No 0
0592916616 U.S. Citizen (No Data) No 0
0566403744 U.S. Citizen (No Data) No 0
0733569252 U.S. Citizen (No Data) No 0
0128603622 U.S. Citizen (No Data) No 0
0850788224 U.S. Citizen (No Data) No 0
0353807147 U.S. Citizen (No Data) No 0
0883544783 (No Data) (No Data) No 0
0495512620 U.S. Citizen (No Data) No 0
0051185953 (No Data) (No Data) No 0
0003400673 (No Data) (No Data) No 0
0187283488 Permanent Resident Alien (No Data) No 0
0311275987 (No Data) (No Data) No 0
0660918043 U.S. Citizen (No Data) No 0
0690126901 (No Data) (No Data) No 0
0961757622 U.S. Citizen (No Data) No 0
0246237088 U.S. Citizen (No Data) No 0
0923404759 U.S. Citizen (No Data) No 0
0288775895 U.S. Citizen (No Data) No 0
0624782699 U.S. Citizen (No Data) No 0
0472976951 U.S. Citizen (No Data) No 0
0958240532 (No Data) (No Data) No 0
0478451803 U.S. Citizen (No Data) No 0
0872152327 U.S. Citizen (No Data) No 0
0673234502 Permanent Resident Alien (No Data) No 0
0167969947 (No Data) (No Data) No 0
0485017729 U.S. Citizen (No Data) No 0
0108484522 U.S. Citizen (No Data) No 0
0458597942 (No Data) (No Data) No 0
0729651093 U.S. Citizen (No Data) No 0
0807012578 U.S. Citizen (No Data) No 0
0250616178 U.S. Citizen (No Data) No 0
0484252462 U.S. Citizen (No Data) No 0
0082394135 (No Data) (No Data) No 0
0775480275 U.S. Citizen (No Data) No 0
0848901414 Permanent Resident Alien (No Data) No 0
0206504277 (No Data) (No Data) No 0
0869104624 U.S. Citizen (No Data) No 0
0147276503 Permanent Resident Alien (No Data) No 0
0357768666 U.S. Citizen (No Data) No 0
0446767784 U.S. Citizen (No Data) No 0
0632163685 U.S. Citizen (No Data) No 0
0061627887 U.S. Citizen (No Data) No 0
0965799910 U.S. Citizen (No Data) No 0
0027206507 U.S. Citizen (No Data) No 0
0649999381 (No Data) (No Data) No 0
0763354143 U.S. Citizen (No Data) No 0
0693582875 U.S. Citizen (No Data) No 0
0852820671 U.S. Citizen (No Data) No 0
0803617568 (No Data) (No Data) No 0
0804200644 U.S. Citizen (No Data) No 0
0296321347 U.S. Citizen (No Data) No 0
0733897444 U.S. Citizen (No Data) No 0
0329887098 (No Data) (No Data) No 0
0421965797 (No Data) (No Data) No 0
0476095012 U.S. Citizen (No Data) No 0
0718872886 U.S. Citizen (No Data) No 0
0636867770 (No Data) (No Data) No 0
0267487076 (No Data) (No Data) No 0
0195728018 U.S. Citizen (No Data) No 0
0772659998 U.S. Citizen (No Data) No 0
0011223065 (No Data) (No Data) No 0
0957037738 (No Data) (No Data) No 0
0287850345 U.S. Citizen (No Data) No 0
0343009539 U.S. Citizen (No Data) No 0
0066565164 U.S. Citizen (No Data) No 0
0606360004 U.S. Citizen (No Data) No 0
0031914111 U.S. Citizen (No Data) No 0
0322977121 Permanent Resident Alien (No Data) No 0
0028477011 (No Data) (No Data) No 0
0512524979 U.S. Citizen (No Data) No 0
0189641240 (No Data) (No Data) No 0
0830259665 (No Data) (No Data) No 0
0163768883 U.S. Citizen (No Data) No 0
0920564109 U.S. Citizen (No Data) No 0
0698076187 (No Data) (No Data) No 0
0224443300 U.S. Citizen (No Data) No 0
0578018645 U.S. Citizen (No Data) No 0
0660339771 (No Data) (No Data) No 0
0063181093 Non-Resident Alien (No Data) No 0
0722343732 U.S. Citizen (No Data) No 0
0790097948 U.S. Citizen (No Data) No 0
0527620912 Permanent Resident Alien (No Data) No 0
0356979259 U.S. Citizen (No Data) No 0
0214949090 (No Data) (No Data) No 0
0177640574 U.S. Citizen (No Data) No 0
0789246402 (No Data) (No Data) No 0
0322706730 (No Data) (No Data) No 0
0327979007 (No Data) (No Data) No 0
0494951529 Permanent Resident Alien (No Data) No 0
0252870469 U.S. Citizen (No Data) No 0
0861479887 (No Data) (No Data) No 0
0075878995 Permanent Resident Alien (No Data) No 0
0918908337 Non-Resident Alien (No Data) No 0
0986096742 U.S. Citizen (No Data) No 0
0430048604 U.S. Citizen (No Data) No 0
0543050232 U.S. Citizen (No Data) No 0
0565064278 Permanent Resident Alien (No Data) No 0
0727092139 U.S. Citizen (No Data) No 0
0389976762 (No Data) (No Data) No 0
0482825021 U.S. Citizen (No Data) No 0
0404172270 U.S. Citizen (No Data) No 0
0596803090 U.S. Citizen (No Data) No 0
0880963526 U.S. Citizen (No Data) No 0
0575349222 (No Data) (No Data) No 0
0180641362 U.S. Citizen (No Data) No 0
0443514365 U.S. Citizen (No Data) No 0
0651845588 U.S. Citizen (No Data) No 0
0311979074 (No Data) (No Data) No 0
0111122338 (No Data) (No Data) No 0
0391709270 U.S. Citizen (No Data) No 0
0991316851 U.S. Citizen (No Data) No 0
0397813379 Non-Permanent Resident Alien (No Data) No 0
0448299874 U.S. Citizen (No Data) No 0
0029402901 U.S. Citizen (No Data) No 0
0612453596 U.S. Citizen (No Data) No 0
0253531793 U.S. Citizen (No Data) No 0
0478034267 U.S. Citizen (No Data) No 0
0617713670 (No Data) (No Data) No 0
0496416372 U.S. Citizen (No Data) No 0
0909259206 U.S. Citizen (No Data) No 0
0887025718 (No Data) (No Data) No 0
0869008815 U.S. Citizen (No Data) No 0
0757533368 U.S. Citizen (No Data) No 0
0749998744 U.S. Citizen (No Data) No 0
0326350931 U.S. Citizen (No Data) No 0
0941590921 U.S. Citizen (No Data) No 0
0881262118 (No Data) (No Data) No 0
0413376277 U.S. Citizen (No Data) No 0
0796350178 (No Data) (No Data) No 0
0598344899 (No Data) (No Data) No 0
0373805812 U.S. Citizen (No Data) No 0
0666186753 U.S. Citizen (No Data) No 0
0984152521 Permanent Resident Alien (No Data) No 0
0423216499 (No Data) (No Data) No 0
0283627866 U.S. Citizen (No Data) No 0
0807760889 (No Data) (No Data) No 0
0643564506 Permanent Resident Alien (No Data) No 0
0499709015 U.S. Citizen (No Data) No 0
0042912109 (No Data) (No Data) No 0
0141616590 U.S. Citizen (No Data) No 0
0009310433 U.S. Citizen (No Data) No 0
0815783276 U.S. Citizen (No Data) No 0
0891883504 U.S. Citizen (No Data) No 0
0614343789 (No Data) (No Data) No 0
0330876050 U.S. Citizen (No Data) No 0
0508743030 (No Data) (No Data) No 0
0054666582 U.S. Citizen (No Data) No 0
0688153781 Permanent Resident Alien (No Data) No 0
0574802771 U.S. Citizen (No Data) No 0
0904937257 U.S. Citizen (No Data) No 0
0992925460 U.S. Citizen (No Data) No 0
0758558863 (No Data) (No Data) No 0
0567066302 Non-Permanent Resident Alien (No Data) No 0
0665003731 U.S. Citizen (No Data) No 0
0972480194 (No Data) (No Data) No 0
0096428484 Permanent Resident Alien (No Data) No 0
0270305714 (No Data) (No Data) No 0
0697169855 U.S. Citizen (No Data) No 0
0024666365 U.S. Citizen (No Data) No 0
0845535508 U.S. Citizen (No Data) No 0
0885074769 U.S. Citizen (No Data) No 0
0387255237 (No Data) (No Data) No 0
0299349768 (No Data) (No Data) No 0
0446571853 U.S. Citizen (No Data) No 0
0866388863 U.S. Citizen (No Data) No 0
0052264422 U.S. Citizen (No Data) No 0
0458741351 U.S. Citizen (No Data) No 0
0027375279 U.S. Citizen (No Data) No 0
0596614185 U.S. Citizen (No Data) No 0
0121728219 U.S. Citizen (No Data) No 0
0229174358 U.S. Citizen (No Data) No 0
0900410794 U.S. Citizen (No Data) No 0
0907910824 (No Data) (No Data) No 0
0507906396 U.S. Citizen (No Data) No 0
0839597392 U.S. Citizen (No Data) No 0
0287509371 U.S. Citizen (No Data) No 0
0265972722 Non-Resident Alien (No Data) No 0
0551106617 (No Data) (No Data) No 0
0732060064 (No Data) (No Data) No 0
0407861797 (No Data) (No Data) No 0
0572567581 U.S. Citizen (No Data) No 0
0905413073 U.S. Citizen (No Data) No 0
0111515188 U.S. Citizen (No Data) No 0
0290911310 Permanent Resident Alien (No Data) No 0
0815799280 U.S. Citizen (No Data) No 0
0040513115 (No Data) (No Data) No 0
0987277079 U.S. Citizen (No Data) No 0
0486886922 U.S. Citizen (No Data) No 0
0066460386 (No Data) (No Data) No 0
0788221083 (No Data) (No Data) No 0
0150569991 (No Data) (No Data) No 0
0773333636 (No Data) (No Data) No 0
0654382150 U.S. Citizen (No Data) No 0
0257299882 U.S. Citizen (No Data) No 0
0833201387 U.S. Citizen (No Data) No 0
0623212936 (No Data) (No Data) No 0
0216887386 (No Data) (No Data) No 0
0595309566 (No Data) (No Data) No 0
0006246739 U.S. Citizen (No Data) No 0
0143613020 U.S. Citizen (No Data) No 0
0892452284 (No Data) (No Data) No 0
0875564480 (No Data) (No Data) No 0
0400794719 (No Data) (No Data) No 0
0151931353 U.S. Citizen (No Data) No 0
0972228840 U.S. Citizen (No Data) No 0
0186106294 (No Data) (No Data) No 0
0564354201 U.S. Citizen (No Data) No 0
0970143808 (No Data) (No Data) No 0
0109879421 U.S. Citizen (No Data) No 0
0147088588 (No Data) (No Data) No 0
0975143436 U.S. Citizen (No Data) No 0
0586695440 U.S. Citizen (No Data) No 0
0698879646 (No Data) (No Data) No 0
0670241357 (No Data) (No Data) No 0
0852748382 (No Data) (No Data) No 0
0745820727 U.S. Citizen (No Data) No 0
0661933393 U.S. Citizen (No Data) No 0
0434461378 (No Data) (No Data) No 0
0966930038 U.S. Citizen (No Data) No 0
0073568834 (No Data) (No Data) No 0
0124118369 (No Data) (No Data) No 0
0832406984 U.S. Citizen (No Data) No 0
0332825603 U.S. Citizen (No Data) No 0
0026931308 U.S. Citizen (No Data) No 0
0069823872 U.S. Citizen (No Data) No 0
0796616278 U.S. Citizen (No Data) No 0
0183409537 U.S. Citizen (No Data) No 0
0496151433 U.S. Citizen (No Data) No 0
0381644460 (No Data) (No Data) No 0
0510226110 (No Data) (No Data) No 0
0638553428 U.S. Citizen (No Data) No 0
0989179353 U.S. Citizen (No Data) No 0
0827362803 (No Data) (No Data) No 0
0331670106 U.S. Citizen (No Data) No 0
0176325343 U.S. Citizen (No Data) No 0
0772531540 U.S. Citizen (No Data) No 0
0883191688 (No Data) (No Data) No 0
0935135319 U.S. Citizen (No Data) No 0
0509172664 U.S. Citizen (No Data) No 0
0387913058 U.S. Citizen (No Data) No 0
0941628554 U.S. Citizen (No Data) No 0
0811218162 U.S. Citizen (No Data) No 0
0638636821 Permanent Resident Alien (No Data) No 0
0239866751 U.S. Citizen (No Data) No 0
0652945414 (No Data) (No Data) No 0
0653662535 Non-Resident Alien (No Data) No 0
0213695160 U.S. Citizen (No Data) No 0
0838781033 U.S. Citizen (No Data) No 0
0516679625 (No Data) (No Data) No 0
0776821255 U.S. Citizen (No Data) No 0
0493284315 Permanent Resident Alien (No Data) No 0
0055110221 (No Data) (No Data) No 0
0250306049 (No Data) (No Data) No 0
0263537948 U.S. Citizen (No Data) No 0
0649165515 U.S. Citizen (No Data) No 0
0152605952 U.S. Citizen (No Data) No 0
0773170822 (No Data) (No Data) No 0
0090098377 (No Data) (No Data) No 0
0067690391 U.S. Citizen (No Data) No 0
0995089380 U.S. Citizen (No Data) No 0
0020240931 U.S. Citizen (No Data) No 0
0527681168 U.S. Citizen (No Data) No 0
0716570777 U.S. Citizen (No Data) No 0
0691481234 U.S. Citizen (No Data) No 0
0517111211 (No Data) (No Data) No 0
0212802515 U.S. Citizen (No Data) No 0
0502569024 (No Data) (No Data) No 0
0031042677 U.S. Citizen (No Data) No 0
0139328346 U.S. Citizen (No Data) No 0
0409087520 Permanent Resident Alien (No Data) No 0
0168332797 U.S. Citizen (No Data) No 0
0401771554 U.S. Citizen (No Data) No 0
0534772069 U.S. Citizen (No Data) No 0
0853300137 (No Data) (No Data) No 0
0175570953 U.S. Citizen (No Data) No 0
0976914039 U.S. Citizen (No Data) No 0
0604718244 U.S. Citizen (No Data) No 0
0017438879 U.S. Citizen (No Data) No 0
0225929685 U.S. Citizen (No Data) No 0
0400517747 (No Data) (No Data) No 0
0817087141 U.S. Citizen (No Data) No 0
0376949180 U.S. Citizen (No Data) No 0
0571251354 (No Data) (No Data) No 0
0121920863 U.S. Citizen (No Data) No 0
0589770587 (No Data) (No Data) No 0
0945332449 U.S. Citizen (No Data) No 0
0382923592 (No Data) (No Data) No 0
0184084543 U.S. Citizen (No Data) No 0
0361062954 U.S. Citizen (No Data) No 0
0537872862 U.S. Citizen (No Data) No 0
0607500115 U.S. Citizen (No Data) No 0
0848405652 U.S. Citizen (No Data) No 0
0093824078 U.S. Citizen (No Data) No 0
0153106253 Permanent Resident Alien (No Data) No 0
0141601558 U.S. Citizen (No Data) No 0
0873525496 U.S. Citizen (No Data) No 0
0763975052 U.S. Citizen (No Data) No 0
0574315880 U.S. Citizen (No Data) No 0
0735188950 U.S. Citizen (No Data) No 0
0463185065 U.S. Citizen (No Data) No 0
0295394512 U.S. Citizen (No Data) No 0
0344949400 U.S. Citizen (No Data) No 0
0404038797 U.S. Citizen (No Data) No 0
0045372676 U.S. Citizen (No Data) No 0
0117467289 (No Data) (No Data) No 0
0428827678 U.S. Citizen (No Data) No 0
0060360382 Permanent Resident Alien (No Data) No 0
0388660807 U.S. Citizen (No Data) No 0
0184849577 U.S. Citizen (No Data) No 0
0479316549 U.S. Citizen (No Data) No 0
0658790748 U.S. Citizen (No Data) No 0
0595359991 Permanent Resident Alien (No Data) No 0
0893748906 U.S. Citizen (No Data) No 0
0772921524 U.S. Citizen (No Data) No 0
0820690638 (No Data) (No Data) No 0
0580787968 Permanent Resident Alien (No Data) No 0
0528165425 U.S. Citizen (No Data) No 0
0628966610 U.S. Citizen (No Data) No 0
0673242717 U.S. Citizen (No Data) No 0
0470992348 (No Data) (No Data) No 0
0441113274 U.S. Citizen (No Data) No 0
0412231888 U.S. Citizen (No Data) No 0
0837824508 (No Data) (No Data) No 0
0463439308 U.S. Citizen (No Data) No 0
0480980438 U.S. Citizen (No Data) No 0
0143498746 U.S. Citizen (No Data) No 0
0268079662 U.S. Citizen (No Data) No 0
0302416740 U.S. Citizen (No Data) No 0
0405424563 U.S. Citizen (No Data) No 0
0051217910 U.S. Citizen (No Data) No 0
0692778696 U.S. Citizen (No Data) No 0
0296054245 (No Data) (No Data) No 0
0693766255 U.S. Citizen (No Data) No 0
0317127482 (No Data) (No Data) No 0
0761699662 U.S. Citizen (No Data) No 0
0982383999 Permanent Resident Alien (No Data) No 0
0793137276 U.S. Citizen (No Data) No 0
0415770466 U.S. Citizen (No Data) No 0
0501714950 U.S. Citizen (No Data) No 0
0510931562 U.S. Citizen (No Data) No 0
0913497649 U.S. Citizen (No Data) No 0
0119177982 (No Data) (No Data) No 0
0219410091 U.S. Citizen (No Data) No 0
0204020307 U.S. Citizen (No Data) No 0
0124612723 (No Data) (No Data) No 0
0423573974 (No Data) (No Data) No 0
0633758396 U.S. Citizen (No Data) No 0
0086093449 U.S. Citizen (No Data) No 0
0586306701 U.S. Citizen (No Data) No 0
0357427472 U.S. Citizen (No Data) No 0
0118389141 (No Data) (No Data) No 0
0457211593 Permanent Resident Alien (No Data) No 0
0849458578 Non-Permanent Resident Alien (No Data) No 0
0881226962 (No Data) (No Data) No 0
0536317749 (No Data) (No Data) No 0
0902805089 U.S. Citizen (No Data) No 0
0060289493 U.S. Citizen (No Data) No 0
0342741351 U.S. Citizen (No Data) No 0
0205794193 (No Data) (No Data) No 0
0119521075 U.S. Citizen (No Data) No 0
0704218236 U.S. Citizen (No Data) No 0
0092331800 (No Data) (No Data) No 0
0351448413 U.S. Citizen (No Data) No 0
0966927222 (No Data) (No Data) No 0
0233355323 U.S. Citizen (No Data) No 0
0956692933 Permanent Resident Alien (No Data) No 0
0851541144 U.S. Citizen (No Data) No 0
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EX-99.4 5 tm2023321d1_ex99-4.htm CLAYTON VALUATIONS SUMMARY

 

Exhibit 99.4

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-3
Start - End Dates: 11.2018 - 6.2020
Deal Loan Count: 693
   
       
Valuations Summary      
       
Loans in Report: 693    

 

Alt Loan Number Original Balance Sales Price Value For LTV
0575918361 XXXXXX XXXXXX XXXXXX
0267055387 XXXXXX XXXXXX XXXXXX
0983065273 XXXXXX XXXXXX XXXXXX
0011090965 XXXXXX XXXXXX XXXXXX
0127206157 XXXXXX XXXXXX XXXXXX
0327877533 XXXXXX XXXXXX XXXXXX
0934738705 XXXXXX XXXXXX XXXXXX
0931076935 XXXXXX XXXXXX XXXXXX
0987760059 XXXXXX XXXXXX XXXXXX
0519746633 XXXXXX XXXXXX XXXXXX
0637415947 XXXXXX XXXXXX XXXXXX
0435659717 XXXXXX XXXXXX XXXXXX
0647979235 XXXXXX XXXXXX XXXXXX
0301537992 XXXXXX XXXXXX XXXXXX
0126289714 XXXXXX XXXXXX XXXXXX
0548410117 XXXXXX XXXXXX XXXXXX
0815077268 XXXXXX XXXXXX XXXXXX
0105102761 XXXXXX XXXXXX XXXXXX
0424196930 XXXXXX XXXXXX XXXXXX
0376690722 XXXXXX XXXXXX XXXXXX
0203513337 XXXXXX XXXXXX XXXXXX
0522989695 XXXXXX XXXXXX XXXXXX
0132647272 XXXXXX XXXXXX XXXXXX
0256142017 XXXXXX XXXXXX XXXXXX
0321626720 XXXXXX XXXXXX XXXXXX
0981461070 XXXXXX XXXXXX XXXXXX
0637451753 XXXXXX XXXXXX XXXXXX
0273235950 XXXXXX XXXXXX XXXXXX
0751916311 XXXXXX XXXXXX XXXXXX
0889562205 XXXXXX XXXXXX XXXXXX
0427189068 XXXXXX XXXXXX XXXXXX
0857947782 XXXXXX XXXXXX XXXXXX
0256677040 XXXXXX XXXXXX XXXXXX
0239784238 XXXXXX XXXXXX XXXXXX
0047945810 XXXXXX XXXXXX XXXXXX
0835736938 XXXXXX XXXXXX XXXXXX
0492688172 XXXXXX XXXXXX XXXXXX
0755217415 XXXXXX XXXXXX XXXXXX
0211403208 XXXXXX XXXXXX XXXXXX
0891574501 XXXXXX XXXXXX XXXXXX
0760685769 XXXXXX XXXXXX XXXXXX
0909460216 XXXXXX XXXXXX XXXXXX
0766577444 XXXXXX XXXXXX XXXXXX
0689253110 XXXXXX XXXXXX XXXXXX
0635653804 XXXXXX XXXXXX XXXXXX
0647316966 XXXXXX XXXXXX XXXXXX
0114331938 XXXXXX XXXXXX XXXXXX
0410705318 XXXXXX XXXXXX XXXXXX
0316095343 XXXXXX XXXXXX XXXXXX
0638274677 XXXXXX XXXXXX XXXXXX
0869229098 XXXXXX XXXXXX XXXXXX
0775806797 XXXXXX XXXXXX XXXXXX
0086555443 XXXXXX XXXXXX XXXXXX
0691861716 XXXXXX XXXXXX XXXXXX
0447436545 XXXXXX XXXXXX XXXXXX
0019747202 XXXXXX XXXXXX XXXXXX
0614080412 XXXXXX XXXXXX XXXXXX
0828617078 XXXXXX XXXXXX XXXXXX
0315183647 XXXXXX XXXXXX XXXXXX
0066468618 XXXXXX XXXXXX XXXXXX
0587257289 XXXXXX XXXXXX XXXXXX
0661479127 XXXXXX XXXXXX XXXXXX
0579183155 XXXXXX XXXXXX XXXXXX
0960463516 XXXXXX XXXXXX XXXXXX
0382848649 XXXXXX XXXXXX XXXXXX
0781117886 XXXXXX XXXXXX XXXXXX
0454239372 XXXXXX XXXXXX XXXXXX
0212460273 XXXXXX XXXXXX XXXXXX
0282248105 XXXXXX XXXXXX XXXXXX
0149938256 XXXXXX XXXXXX XXXXXX
0280951264 XXXXXX XXXXXX XXXXXX
0152026361 XXXXXX XXXXXX XXXXXX
0934228442 XXXXXX XXXXXX XXXXXX
0513436141 XXXXXX XXXXXX XXXXXX
0665965148 XXXXXX XXXXXX XXXXXX
0676241009 XXXXXX XXXXXX XXXXXX
0140413073 XXXXXX XXXXXX XXXXXX
0248562007 XXXXXX XXXXXX XXXXXX
0902138430 XXXXXX XXXXXX XXXXXX
0842481485 XXXXXX XXXXXX XXXXXX
0946724327 XXXXXX XXXXXX XXXXXX
0184294920 XXXXXX XXXXXX XXXXXX
0390131541 XXXXXX XXXXXX XXXXXX
0165335792 XXXXXX XXXXXX XXXXXX
0439570908 XXXXXX XXXXXX XXXXXX
0592916616 XXXXXX XXXXXX XXXXXX
0566403744 XXXXXX XXXXXX XXXXXX
0733569252 XXXXXX XXXXXX XXXXXX
0128603622 XXXXXX XXXXXX XXXXXX
0850788224 XXXXXX XXXXXX XXXXXX
0353807147 XXXXXX XXXXXX XXXXXX
0883544783 XXXXXX XXXXXX XXXXXX
0495512620 XXXXXX XXXXXX XXXXXX
0051185953 XXXXXX XXXXXX XXXXXX
0003400673 XXXXXX XXXXXX XXXXXX
0187283488 XXXXXX XXXXXX XXXXXX
0311275987 XXXXXX XXXXXX XXXXXX
0660918043 XXXXXX XXXXXX XXXXXX
0690126901 XXXXXX XXXXXX XXXXXX
0961757622 XXXXXX XXXXXX XXXXXX
0246237088 XXXXXX XXXXXX XXXXXX
0923404759 XXXXXX XXXXXX XXXXXX
0288775895 XXXXXX XXXXXX XXXXXX
0624782699 XXXXXX XXXXXX XXXXXX
0472976951 XXXXXX XXXXXX XXXXXX
0958240532 XXXXXX XXXXXX XXXXXX
0478451803 XXXXXX XXXXXX XXXXXX
0872152327 XXXXXX XXXXXX XXXXXX
0673234502 XXXXXX XXXXXX XXXXXX
0167969947 XXXXXX XXXXXX XXXXXX
0485017729 XXXXXX XXXXXX XXXXXX
0108484522 XXXXXX XXXXXX XXXXXX
0458597942 XXXXXX XXXXXX XXXXXX
0729651093 XXXXXX XXXXXX XXXXXX
0807012578 XXXXXX XXXXXX XXXXXX
0250616178 XXXXXX XXXXXX XXXXXX
0484252462 XXXXXX XXXXXX XXXXXX
0082394135 XXXXXX XXXXXX XXXXXX
0775480275 XXXXXX XXXXXX XXXXXX
0848901414 XXXXXX XXXXXX XXXXXX
0206504277 XXXXXX XXXXXX XXXXXX
0869104624 XXXXXX XXXXXX XXXXXX
0147276503 XXXXXX XXXXXX XXXXXX
0357768666 XXXXXX XXXXXX XXXXXX
0446767784 XXXXXX XXXXXX XXXXXX
0632163685 XXXXXX XXXXXX XXXXXX
0061627887 XXXXXX XXXXXX XXXXXX
0965799910 XXXXXX XXXXXX XXXXXX
0027206507 XXXXXX XXXXXX XXXXXX
0649999381 XXXXXX XXXXXX XXXXXX
0763354143 XXXXXX XXXXXX XXXXXX
0693582875 XXXXXX XXXXXX XXXXXX
0852820671 XXXXXX XXXXXX XXXXXX
0803617568 XXXXXX XXXXXX XXXXXX
0804200644 XXXXXX XXXXXX XXXXXX
0296321347 XXXXXX XXXXXX XXXXXX
0733897444 XXXXXX XXXXXX XXXXXX
0329887098 XXXXXX XXXXXX XXXXXX
0421965797 XXXXXX XXXXXX XXXXXX
0476095012 XXXXXX XXXXXX XXXXXX
0718872886 XXXXXX XXXXXX XXXXXX
0636867770 XXXXXX XXXXXX XXXXXX
0267487076 XXXXXX XXXXXX XXXXXX
0195728018 XXXXXX XXXXXX XXXXXX
0772659998 XXXXXX XXXXXX XXXXXX
0011223065 XXXXXX XXXXXX XXXXXX
0957037738 XXXXXX XXXXXX XXXXXX
0287850345 XXXXXX XXXXXX XXXXXX
0343009539 XXXXXX XXXXXX XXXXXX
0066565164 XXXXXX XXXXXX XXXXXX
0606360004 XXXXXX XXXXXX XXXXXX
0031914111 XXXXXX XXXXXX XXXXXX
0322977121 XXXXXX XXXXXX XXXXXX
0028477011 XXXXXX XXXXXX XXXXXX
0512524979 XXXXXX XXXXXX XXXXXX
0189641240 XXXXXX XXXXXX XXXXXX
0830259665 XXXXXX XXXXXX XXXXXX
0163768883 XXXXXX XXXXXX XXXXXX
0920564109 XXXXXX XXXXXX XXXXXX
0698076187 XXXXXX XXXXXX XXXXXX
0224443300 XXXXXX XXXXXX XXXXXX
0578018645 XXXXXX XXXXXX XXXXXX
0660339771 XXXXXX XXXXXX XXXXXX
0063181093 XXXXXX XXXXXX XXXXXX
0722343732 XXXXXX XXXXXX XXXXXX
0790097948 XXXXXX XXXXXX XXXXXX
0527620912 XXXXXX XXXXXX XXXXXX
0356979259 XXXXXX XXXXXX XXXXXX
0214949090 XXXXXX XXXXXX XXXXXX
0177640574 XXXXXX XXXXXX XXXXXX
0789246402 XXXXXX XXXXXX XXXXXX
0322706730 XXXXXX XXXXXX XXXXXX
0327979007 XXXXXX XXXXXX XXXXXX
0494951529 XXXXXX XXXXXX XXXXXX
0252870469 XXXXXX XXXXXX XXXXXX
0861479887 XXXXXX XXXXXX XXXXXX
0075878995 XXXXXX XXXXXX XXXXXX
0918908337 XXXXXX XXXXXX XXXXXX
0986096742 XXXXXX XXXXXX XXXXXX
0430048604 XXXXXX XXXXXX XXXXXX
0543050232 XXXXXX XXXXXX XXXXXX
0565064278 XXXXXX XXXXXX XXXXXX
0727092139 XXXXXX XXXXXX XXXXXX
0389976762 XXXXXX XXXXXX XXXXXX
0482825021 XXXXXX XXXXXX XXXXXX
0404172270 XXXXXX XXXXXX XXXXXX
0596803090 XXXXXX XXXXXX XXXXXX
0880963526 XXXXXX XXXXXX XXXXXX
0575349222 XXXXXX XXXXXX XXXXXX
0180641362 XXXXXX XXXXXX XXXXXX
0443514365 XXXXXX XXXXXX XXXXXX
0651845588 XXXXXX XXXXXX XXXXXX
0311979074 XXXXXX XXXXXX XXXXXX
0111122338 XXXXXX XXXXXX XXXXXX
0391709270 XXXXXX XXXXXX XXXXXX
0991316851 XXXXXX XXXXXX XXXXXX
0397813379 XXXXXX XXXXXX XXXXXX
0448299874 XXXXXX XXXXXX XXXXXX
0029402901 XXXXXX XXXXXX XXXXXX
0612453596 XXXXXX XXXXXX XXXXXX
0253531793 XXXXXX XXXXXX XXXXXX
0478034267 XXXXXX XXXXXX XXXXXX
0617713670 XXXXXX XXXXXX XXXXXX
0496416372 XXXXXX XXXXXX XXXXXX
0909259206 XXXXXX XXXXXX XXXXXX
0887025718 XXXXXX XXXXXX XXXXXX
0869008815 XXXXXX XXXXXX XXXXXX
0757533368 XXXXXX XXXXXX XXXXXX
0749998744 XXXXXX XXXXXX XXXXXX
0326350931 XXXXXX XXXXXX XXXXXX
0941590921 XXXXXX XXXXXX XXXXXX
0881262118 XXXXXX XXXXXX XXXXXX
0413376277 XXXXXX XXXXXX XXXXXX
0796350178 XXXXXX XXXXXX XXXXXX
0598344899 XXXXXX XXXXXX XXXXXX
0373805812 XXXXXX XXXXXX XXXXXX
0666186753 XXXXXX XXXXXX XXXXXX
0984152521 XXXXXX XXXXXX XXXXXX
0423216499 XXXXXX XXXXXX XXXXXX
0283627866 XXXXXX XXXXXX XXXXXX
0807760889 XXXXXX XXXXXX XXXXXX
0643564506 XXXXXX XXXXXX XXXXXX
0499709015 XXXXXX XXXXXX XXXXXX
0042912109 XXXXXX XXXXXX XXXXXX
0141616590 XXXXXX XXXXXX XXXXXX
0009310433 XXXXXX XXXXXX XXXXXX
0815783276 XXXXXX XXXXXX XXXXXX
0891883504 XXXXXX XXXXXX XXXXXX
0614343789 XXXXXX XXXXXX XXXXXX
0330876050 XXXXXX XXXXXX XXXXXX
0508743030 XXXXXX XXXXXX XXXXXX
0054666582 XXXXXX XXXXXX XXXXXX
0688153781 XXXXXX XXXXXX XXXXXX
0574802771 XXXXXX XXXXXX XXXXXX
0904937257 XXXXXX XXXXXX XXXXXX
0992925460 XXXXXX XXXXXX XXXXXX
0758558863 XXXXXX XXXXXX XXXXXX
0567066302 XXXXXX XXXXXX XXXXXX
0665003731 XXXXXX XXXXXX XXXXXX
0972480194 XXXXXX XXXXXX XXXXXX
0096428484 XXXXXX XXXXXX XXXXXX
0270305714 XXXXXX XXXXXX XXXXXX
0697169855 XXXXXX XXXXXX XXXXXX
0024666365 XXXXXX XXXXXX XXXXXX
0845535508 XXXXXX XXXXXX XXXXXX
0885074769 XXXXXX XXXXXX XXXXXX
0387255237 XXXXXX XXXXXX XXXXXX
0299349768 XXXXXX XXXXXX XXXXXX
0446571853 XXXXXX XXXXXX XXXXXX
0866388863 XXXXXX XXXXXX XXXXXX
0052264422 XXXXXX XXXXXX XXXXXX
0458741351 XXXXXX XXXXXX XXXXXX
0027375279 XXXXXX XXXXXX XXXXXX
0596614185 XXXXXX XXXXXX XXXXXX
0121728219 XXXXXX XXXXXX XXXXXX
0229174358 XXXXXX XXXXXX XXXXXX
0900410794 XXXXXX XXXXXX XXXXXX
0907910824 XXXXXX XXXXXX XXXXXX
0507906396 XXXXXX XXXXXX XXXXXX
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0287509371 XXXXXX XXXXXX XXXXXX
0265972722 XXXXXX XXXXXX XXXXXX
0551106617 XXXXXX XXXXXX XXXXXX
0732060064 XXXXXX XXXXXX XXXXXX
0407861797 XXXXXX XXXXXX XXXXXX
0572567581 XXXXXX XXXXXX XXXXXX
0905413073 XXXXXX XXXXXX XXXXXX
0111515188 XXXXXX XXXXXX XXXXXX
0290911310 XXXXXX XXXXXX XXXXXX
0815799280 XXXXXX XXXXXX XXXXXX
0040513115 XXXXXX XXXXXX XXXXXX
0987277079 XXXXXX XXXXXX XXXXXX
0486886922 XXXXXX XXXXXX XXXXXX
0066460386 XXXXXX XXXXXX XXXXXX
0788221083 XXXXXX XXXXXX XXXXXX
0150569991 XXXXXX XXXXXX XXXXXX
0773333636 XXXXXX XXXXXX XXXXXX
0654382150 XXXXXX XXXXXX XXXXXX
0257299882 XXXXXX XXXXXX XXXXXX
0833201387 XXXXXX XXXXXX XXXXXX
0623212936 XXXXXX XXXXXX XXXXXX
0216887386 XXXXXX XXXXXX XXXXXX
0595309566 XXXXXX XXXXXX XXXXXX
0006246739 XXXXXX XXXXXX XXXXXX
0143613020 XXXXXX XXXXXX XXXXXX
0892452284 XXXXXX XXXXXX XXXXXX
0875564480 XXXXXX XXXXXX XXXXXX
0400794719 XXXXXX XXXXXX XXXXXX
0151931353 XXXXXX XXXXXX XXXXXX
0972228840 XXXXXX XXXXXX XXXXXX
0186106294 XXXXXX XXXXXX XXXXXX
0564354201 XXXXXX XXXXXX XXXXXX
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0109879421 XXXXXX XXXXXX XXXXXX
0147088588 XXXXXX XXXXXX XXXXXX
0975143436 XXXXXX XXXXXX XXXXXX
0586695440 XXXXXX XXXXXX XXXXXX
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0670241357 XXXXXX XXXXXX XXXXXX
0852748382 XXXXXX XXXXXX XXXXXX
0745820727 XXXXXX XXXXXX XXXXXX
0661933393 XXXXXX XXXXXX XXXXXX
0434461378 XXXXXX XXXXXX XXXXXX
0966930038 XXXXXX XXXXXX XXXXXX
0073568834 XXXXXX XXXXXX XXXXXX
0124118369 XXXXXX XXXXXX XXXXXX
0832406984 XXXXXX XXXXXX XXXXXX
0332825603 XXXXXX XXXXXX XXXXXX
0026931308 XXXXXX XXXXXX XXXXXX
0069823872 XXXXXX XXXXXX XXXXXX
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0510226110 XXXXXX XXXXXX XXXXXX
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0516679625 XXXXXX XXXXXX XXXXXX
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0250306049 XXXXXX XXXXXX XXXXXX
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0067690391 XXXXXX XXXXXX XXXXXX
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0020240931 XXXXXX XXXXXX XXXXXX
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0537872862 XXXXXX XXXXXX XXXXXX
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0153106253 XXXXXX XXXXXX XXXXXX
0141601558 XXXXXX XXXXXX XXXXXX
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0763975052 XXXXXX XXXXXX XXXXXX
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0463185065 XXXXXX XXXXXX XXXXXX
0295394512 XXXXXX XXXXXX XXXXXX
0344949400 XXXXXX XXXXXX XXXXXX
0404038797 XXXXXX XXXXXX XXXXXX
0045372676 XXXXXX XXXXXX XXXXXX
0117467289 XXXXXX XXXXXX XXXXXX
0428827678 XXXXXX XXXXXX XXXXXX
0060360382 XXXXXX XXXXXX XXXXXX
0388660807 XXXXXX XXXXXX XXXXXX
0184849577 XXXXXX XXXXXX XXXXXX
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0658790748 XXXXXX XXXXXX XXXXXX
0595359991 XXXXXX XXXXXX XXXXXX
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0820690638 XXXXXX XXXXXX XXXXXX
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0528165425 XXXXXX XXXXXX XXXXXX
0628966610 XXXXXX XXXXXX XXXXXX
0673242717 XXXXXX XXXXXX XXXXXX
0470992348 XXXXXX XXXXXX XXXXXX
0441113274 XXXXXX XXXXXX XXXXXX
0412231888 XXXXXX XXXXXX XXXXXX
0837824508 XXXXXX XXXXXX XXXXXX
0463439308 XXXXXX XXXXXX XXXXXX
0480980438 XXXXXX XXXXXX XXXXXX
0143498746 XXXXXX XXXXXX XXXXXX
0268079662 XXXXXX XXXXXX XXXXXX
0302416740 XXXXXX XXXXXX XXXXXX
0405424563 XXXXXX XXXXXX XXXXXX
0051217910 XXXXXX XXXXXX XXXXXX
0692778696 XXXXXX XXXXXX XXXXXX
0296054245 XXXXXX XXXXXX XXXXXX
0693766255 XXXXXX XXXXXX XXXXXX
0317127482 XXXXXX XXXXXX XXXXXX
0761699662 XXXXXX XXXXXX XXXXXX
0982383999 XXXXXX XXXXXX XXXXXX
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0415770466 XXXXXX XXXXXX XXXXXX
0501714950 XXXXXX XXXXXX XXXXXX
0510931562 XXXXXX XXXXXX XXXXXX
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0351448413 XXXXXX XXXXXX XXXXXX
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0202345953 XXXXXX XXXXXX XXXXXX
0768373910 XXXXXX XXXXXX XXXXXX
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0482601211 XXXXXX XXXXXX XXXXXX
0202412456 XXXXXX XXXXXX XXXXXX
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0294313058 XXXXXX XXXXXX XXXXXX
0377470874 XXXXXX XXXXXX XXXXXX
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0820694736 XXXXXX XXXXXX XXXXXX
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0382968816 XXXXXX XXXXXX XXXXXX
0620963315 XXXXXX XXXXXX XXXXXX
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0706622870 XXXXXX XXXXXX XXXXXX
0232102532 XXXXXX XXXXXX XXXXXX
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0367085192 XXXXXX XXXXXX XXXXXX
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0009931046 XXXXXX XXXXXX XXXXXX
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0404029043 XXXXXX XXXXXX XXXXXX
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0393988829 XXXXXX XXXXXX XXXXXX
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0079462421 XXXXXX XXXXXX XXXXXX
0499972963 XXXXXX XXXXXX XXXXXX
0945949703 XXXXXX XXXXXX XXXXXX
0689465985 XXXXXX XXXXXX XXXXXX
0131720101 XXXXXX XXXXXX XXXXXX
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0219977465 XXXXXX XXXXXX XXXXXX
0957914529 XXXXXX XXXXXX XXXXXX
0169817285 XXXXXX XXXXXX XXXXXX
0819058018 XXXXXX XXXXXX XXXXXX
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0453939203 XXXXXX XXXXXX XXXXXX
0261087678 XXXXXX XXXXXX XXXXXX
0410605347 XXXXXX XXXXXX XXXXXX
0723471326 XXXXXX XXXXXX XXXXXX
0111368640 XXXXXX XXXXXX XXXXXX
0395677022 XXXXXX XXXXXX XXXXXX
0232215406 XXXXXX XXXXXX XXXXXX
0144237327 XXXXXX XXXXXX XXXXXX
0370125516 XXXXXX XXXXXX XXXXXX
0522663268 XXXXXX XXXXXX XXXXXX
0973374097 XXXXXX XXXXXX XXXXXX
0984797009 XXXXXX XXXXXX XXXXXX
0542370164 XXXXXX XXXXXX XXXXXX
0933447834 XXXXXX XXXXXX XXXXXX
0605984110 XXXXXX XXXXXX XXXXXX
0546204603 XXXXXX XXXXXX XXXXXX
0426822088 XXXXXX XXXXXX XXXXXX
0520541188 XXXXXX XXXXXX XXXXXX
0918893707 XXXXXX XXXXXX XXXXXX
0773985689 XXXXXX XXXXXX XXXXXX
0712328488 XXXXXX XXXXXX XXXXXX
0298754410 XXXXXX XXXXXX XXXXXX
0565708630 XXXXXX XXXXXX XXXXXX
0693331121 XXXXXX XXXXXX XXXXXX
0010198152 XXXXXX XXXXXX XXXXXX
0821471921 XXXXXX XXXXXX XXXXXX
0923590549 XXXXXX XXXXXX XXXXXX
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0639052776 XXXXXX XXXXXX XXXXXX
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0294870117 XXXXXX XXXXXX XXXXXX
0653501772 XXXXXX XXXXXX XXXXXX
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0867149051 XXXXXX XXXXXX XXXXXX
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0398569103 XXXXXX XXXXXX XXXXXX
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0867257622 XXXXXX XXXXXX XXXXXX
0199561455 XXXXXX XXXXXX XXXXXX
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0552172577 XXXXXX XXXXXX XXXXXX
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0151119228 XXXXXX XXXXXX XXXXXX
0337664369 XXXXXX XXXXXX XXXXXX
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0783812218 XXXXXX XXXXXX XXXXXX
0011801226 XXXXXX XXXXXX XXXXXX
0663053020 XXXXXX XXXXXX XXXXXX
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0167413481 XXXXXX XXXXXX XXXXXX
0506335865 XXXXXX XXXXXX XXXXXX
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0614626177 XXXXXX XXXXXX XXXXXX
0628812501 XXXXXX XXXXXX XXXXXX
0945694819 XXXXXX XXXXXX XXXXXX
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0051460754 XXXXXX XXXXXX XXXXXX
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0551536361 XXXXXX XXXXXX XXXXXX
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0459025494 XXXXXX XXXXXX XXXXXX
0666729178 XXXXXX XXXXXX XXXXXX
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0168152019 XXXXXX XXXXXX XXXXXX
0306363148 XXXXXX XXXXXX XXXXXX
0228714371 XXXXXX XXXXXX XXXXXX
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0155390259 XXXXXX XXXXXX XXXXXX
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0426143530 XXXXXX XXXXXX XXXXXX
0606553012 XXXXXX XXXXXX XXXXXX
0115423239 XXXXXX XXXXXX XXXXXX
0722315217 XXXXXX XXXXXX XXXXXX
0707146928 XXXXXX XXXXXX XXXXXX
0971600082 XXXXXX XXXXXX XXXXXX
0767204093 XXXXXX XXXXXX XXXXXX
0229802107 XXXXXX XXXXXX XXXXXX
0412998769 XXXXXX XXXXXX XXXXXX
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0913486634 XXXXXX XXXXXX XXXXXX
0509924530 XXXXXX XXXXXX XXXXXX
0083121188 XXXXXX XXXXXX XXXXXX

 

  Origination Values
Alt Loan Number Appraised Date Appraised Value Appraisal Form AVM Vendor Name Confidence Score Review Date Review Value Review Type
0575918361 03/23/2017 XXXXXX 1073 Condo (Mar 05)       $0.00  
0267055387 06/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0983065273 02/08/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0011090965 12/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0127206157 01/15/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0327877533 10/16/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0934738705 11/25/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0931076935 09/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0987760059 10/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0519746633 02/06/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0637415947 11/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0435659717 09/24/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0647979235 11/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0301537992 12/17/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0126289714 11/11/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0548410117 10/08/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0815077268 12/23/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0105102761 11/05/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0424196930 09/13/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0376690722 05/10/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0203513337 12/06/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0522989695 12/12/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0132647272 01/06/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0256142017 12/06/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0321626720 12/02/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0981461070 02/12/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0637451753 07/15/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0273235950 11/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0751916311 10/02/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0889562205 10/16/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0427189068 06/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0857947782 08/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0256677040 11/06/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0239784238 12/27/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0047945810 11/27/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0835736938 06/28/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0492688172 09/17/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0755217415 08/02/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0211403208 01/15/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0891574501 12/31/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0760685769 02/03/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0909460216 01/03/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0766577444 06/29/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0689253110 07/12/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0635653804 02/19/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0647316966 01/08/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0114331938 11/20/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0410705318 12/08/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0316095343 07/30/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0638274677 10/01/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0869229098 12/03/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0775806797 11/07/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0086555443 12/02/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0691861716 08/16/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0447436545 09/26/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0019747202 12/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0614080412 08/06/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0828617078 08/23/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0315183647 02/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0066468618 01/13/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0587257289 09/13/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0661479127 10/31/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0579183155 08/01/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0960463516 11/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0382848649 11/30/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0781117886 11/21/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0454239372 11/15/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0212460273 08/12/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0282248105 08/07/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0149938256 08/15/2019 XXXXXX 1025 Multi-Fam (Mar 05)       $0.00  
0280951264 10/04/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0152026361 09/08/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0934228442 08/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0513436141 11/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0665965148 10/28/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0676241009 08/16/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0140413073 09/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0248562007 12/30/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0902138430 08/26/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0842481485 10/24/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0946724327 09/03/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0184294920 11/01/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0390131541 11/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0165335792 08/28/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0439570908 09/10/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0592916616 11/12/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0566403744 11/08/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0733569252 11/29/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0128603622 08/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0850788224 12/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0353807147 11/18/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0883544783 10/02/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0495512620 11/07/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0051185953 11/23/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0003400673 09/16/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0187283488 10/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0311275987 10/02/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0660918043 09/16/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0690126901 12/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0961757622 12/12/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0246237088 11/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0923404759 12/27/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0288775895 09/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0624782699 10/25/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0472976951 09/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0958240532 02/05/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0478451803 11/01/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0872152327 11/07/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0673234502 12/12/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0167969947 12/17/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0485017729 12/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0108484522 09/13/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0458597942 11/27/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0729651093 10/19/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0807012578 10/11/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0250616178 10/18/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0484252462 09/16/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0082394135 10/22/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0775480275 10/09/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0848901414 09/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0206504277 09/27/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0869104624 10/28/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0147276503 10/08/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0357768666 11/20/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0446767784 09/13/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0632163685 10/23/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0061627887 10/03/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0965799910 10/18/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0027206507 10/09/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0649999381 02/11/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0763354143 11/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0693582875 11/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0852820671 11/04/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0803617568 10/23/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0804200644 10/29/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0296321347 10/30/2019 XXXXXX 1025 Multi-Fam (Mar 05)       $0.00  
0733897444 12/02/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0329887098 10/23/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0421965797 11/05/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0476095012 11/10/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0718872886 12/17/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0636867770 10/17/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0267487076 12/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0195728018 11/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0772659998 10/10/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0011223065 10/07/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0957037738 10/01/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0287850345 10/29/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0343009539 11/06/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0066565164 11/21/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0606360004 01/06/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0031914111 09/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0322977121 10/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0028477011 11/11/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0512524979 10/07/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0189641240 10/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0830259665 10/02/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0163768883 11/14/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0920564109 11/03/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0698076187 11/07/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0224443300 10/23/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0578018645 11/22/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0660339771 11/09/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0063181093 11/26/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0722343732 06/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0790097948 10/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0527620912 10/29/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0356979259 11/20/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0214949090 11/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0177640574 12/10/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0789246402 07/20/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0322706730 01/09/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0327979007 10/07/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0494951529 11/15/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0252870469 10/15/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0861479887 10/31/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0075878995 11/26/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0918908337 10/17/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0986096742 12/04/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0430048604 10/11/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0543050232 10/17/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0565064278 11/27/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0727092139 10/24/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0389976762 02/06/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0482825021 10/31/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0404172270 10/10/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0596803090 11/01/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0880963526 11/06/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0575349222 10/08/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0180641362 01/08/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0443514365 10/17/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0651845588 11/12/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0311979074 11/08/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0111122338 10/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0391709270 10/11/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0991316851 12/10/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0397813379 10/30/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0448299874 10/06/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0029402901 10/28/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0612453596 10/30/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0253531793 10/10/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0478034267 11/10/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0617713670 11/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0496416372 10/21/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0909259206 10/30/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0887025718 10/23/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0869008815 10/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0757533368 11/27/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0749998744 10/25/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0326350931 10/19/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0941590921 10/29/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0881262118 10/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0413376277 12/02/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0796350178 11/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0598344899 12/03/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0373805812 11/11/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0666186753 11/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0984152521 02/03/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0423216499 11/23/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0283627866 11/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0807760889 11/14/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0643564506 10/27/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0499709015 10/29/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0042912109 12/02/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0141616590 10/31/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0009310433 10/18/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0815783276 10/28/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0891883504 11/07/2019 XXXXXX 1025 Multi-Fam (Mar 05)       $0.00  
0614343789 11/02/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0330876050 10/28/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0508743030 10/24/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0054666582 10/25/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0688153781 11/06/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0574802771 10/28/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0904937257 11/15/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0992925460 12/24/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0758558863 10/15/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0567066302 12/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0665003731 11/28/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0972480194 11/12/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0096428484 02/09/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0270305714 10/16/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0697169855 02/04/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0024666365 11/18/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0845535508 11/06/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0885074769 02/22/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0387255237 11/23/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0299349768 12/02/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0446571853 10/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0866388863 12/12/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0052264422 10/31/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0458741351 01/25/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0027375279 10/18/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0596614185 10/31/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0121728219 02/04/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0229174358 10/23/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0900410794 10/29/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0907910824 11/12/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0507906396 10/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0839597392 11/05/2019 XXXXXX 1025 Multi-Fam (Mar 05)       $0.00  
0287509371 11/25/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0265972722 10/28/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0551106617 08/12/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0732060064 10/20/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0407861797 11/04/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0572567581 10/30/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0905413073 12/03/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0111515188 11/12/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0290911310 11/05/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0815799280 11/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0040513115 11/15/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0987277079 11/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0486886922 11/06/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0066460386 12/01/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0788221083 11/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0150569991 12/12/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0773333636 12/24/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0654382150 12/02/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0257299882 11/15/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0833201387 12/02/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0623212936 11/07/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0216887386 10/28/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0595309566 11/21/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0006246739 11/23/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0143613020 10/29/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0892452284 12/06/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0875564480 11/06/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0400794719 11/07/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0151931353 11/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0972228840 12/09/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0186106294 11/19/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0564354201 12/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0970143808 11/21/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0109879421 11/06/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0147088588 12/08/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0975143436 11/03/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0586695440 11/11/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0698879646 12/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0670241357 11/08/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0852748382 11/24/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0745820727 11/07/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0661933393 11/21/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0434461378 11/04/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0966930038 01/29/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0073568834 11/06/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0124118369 12/02/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0832406984 11/01/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0332825603 11/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0026931308 10/28/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0069823872 11/06/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0796616278 11/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0183409537 11/21/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0496151433 11/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0381644460 11/01/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0510226110 12/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0638553428 01/30/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0989179353 11/11/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0827362803 11/08/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0331670106 11/07/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0176325343 11/11/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0772531540 11/07/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0883191688 11/25/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0935135319 11/01/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0509172664 10/30/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0387913058 12/10/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0941628554 11/11/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0811218162 01/14/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0638636821 01/23/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0239866751 11/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0652945414 12/18/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0653662535 12/27/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0213695160 12/20/2018 XXXXXX 1004 SFR (Mar 05)       $0.00  
0838781033 11/19/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0516679625 11/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0776821255 10/16/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0493284315 11/19/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0055110221 12/24/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0250306049 12/20/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0263537948 11/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0649165515 12/10/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0152605952 11/18/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0773170822 10/31/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0090098377 12/03/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0067690391 12/02/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0995089380 11/16/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0020240931 11/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0527681168 11/22/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0716570777 11/19/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0691481234 11/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0517111211 12/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0212802515 11/29/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0502569024 12/10/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0031042677 11/15/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0139328346 11/25/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0409087520 12/02/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0168332797 02/04/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0401771554 06/01/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0534772069 11/20/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0853300137 12/07/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0175570953 11/20/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0976914039 11/15/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0604718244 11/13/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0017438879 11/21/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0225929685 12/30/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0400517747 11/29/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0817087141 11/21/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0376949180 11/11/2019 XXXXXX 1025 Multi-Fam (Mar 05)       $0.00  
0571251354 11/25/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0121920863 01/13/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0589770587 02/12/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0945332449 01/28/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0382923592 11/15/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0184084543 11/11/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0361062954 12/06/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0537872862 12/03/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0607500115 11/24/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0848405652 12/03/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0093824078 11/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0153106253 01/30/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0141601558 11/25/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0873525496 11/27/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0763975052 12/10/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0574315880 12/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0735188950 11/15/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0463185065 12/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0295394512 12/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0344949400 11/11/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0404038797 11/17/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0045372676 11/09/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0117467289 12/04/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0428827678 12/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0060360382 11/22/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0388660807 11/12/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0184849577 11/19/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0479316549 12/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0658790748 12/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0595359991 01/30/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0893748906 01/09/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0772921524 12/26/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0820690638 01/20/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0580787968 12/08/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0528165425 12/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0628966610 11/19/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0673242717 11/21/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0470992348 12/03/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0441113274 12/03/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0412231888 12/02/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0837824508 01/14/2020 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0463439308 12/13/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0480980438 12/11/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0143498746 12/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0268079662 12/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0302416740 12/10/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0405424563 12/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0051217910 12/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0692778696 12/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0296054245 12/10/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0693766255 12/10/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0317127482 11/25/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0761699662 12/16/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0982383999 12/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0793137276 11/29/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0415770466 12/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0501714950 11/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0510931562 01/13/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0913497649 12/03/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0119177982 12/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0219410091 12/19/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0204020307 12/10/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0124612723 12/13/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0423573974 12/04/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0633758396 12/11/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0086093449 12/03/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0586306701 12/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0357427472 01/03/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0118389141 12/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0457211593 12/13/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0849458578 12/03/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0881226962 12/06/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0536317749 12/07/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0902805089 12/16/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0060289493 12/11/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0342741351 01/21/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0205794193 12/03/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0119521075 12/03/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0704218236 11/18/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0092331800 12/13/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0351448413 12/11/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0966927222 02/04/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0233355323 12/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0956692933 12/10/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0851541144 12/30/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0483586123 05/31/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0635327011 12/13/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0574037653 12/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0224258049 12/20/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0952676396 02/10/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0144706572 12/10/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0722137058 11/16/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0252168237 12/23/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0950382458 12/17/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0959479961 01/06/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0885967578 12/19/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0712354255 01/24/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0051197645 12/20/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0313465573 12/10/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0091549307 12/18/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0767833346 12/20/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0273589785 12/21/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0517043976 01/13/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0547685704 12/06/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0746534248 12/03/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0764334177 12/17/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0548469352 12/04/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0925216256 12/20/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0978099742 12/19/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0370797674 12/30/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0309305644 12/06/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0532294495 12/18/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0217886850 12/17/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0040730354 12/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0202345953 12/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0768373910 12/13/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0700768695 01/10/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0891984460 12/10/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0482601211 01/22/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0202412456 12/18/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0029201256 12/19/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0294313058 02/04/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0377470874 12/10/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0091942360 01/16/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0976171249 01/30/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0069149606 01/17/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0956538933 01/17/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0667700380 12/27/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0772988316 01/25/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0820694736 01/15/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0863735770 01/06/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0659371858 01/14/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0088488729 01/07/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0382968816 02/12/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0620963315 12/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0950664319 02/05/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0197227847 12/22/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0915378242 12/30/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0706622870 12/27/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0232102532 01/13/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0376404004 01/07/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0714406094 01/14/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0983538365 02/04/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0433553551 02/05/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0410954749 12/31/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0361026646 02/04/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0664144213 01/17/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0555664563 01/07/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0980694010 01/22/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0534944349 12/26/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0896411322 12/31/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0571423561 01/24/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0367085192 04/20/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0091601491 01/07/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0009931046 01/14/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0200826751 02/05/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0071382981 01/04/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0596315097 01/10/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0879273427 01/07/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0634208653 01/17/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0814095225 01/20/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0771728646 12/30/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0404029043 02/11/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0375759553 01/08/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0640925264 01/28/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0393988829 01/17/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0106776327 01/16/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0079462421 01/31/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0499972963 02/12/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0945949703 01/14/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0689465985 01/10/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0131720101 02/06/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0812909615 01/14/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0881792887 01/17/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0219977465 01/14/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0957914529 01/10/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0169817285 01/16/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0819058018 01/15/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0102206851 01/16/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0453939203 02/05/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0261087678 01/24/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0410605347 01/29/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0723471326 01/13/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0111368640 01/21/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0395677022 11/01/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0232215406 01/22/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0144237327 01/26/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0370125516 02/12/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0522663268 01/29/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0973374097 01/29/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0984797009 01/22/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0542370164 01/28/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0933447834 01/20/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0605984110 02/05/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0546204603 01/30/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0426822088 01/22/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0520541188 01/13/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0918893707 02/04/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0773985689 01/15/2020 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0712328488 01/21/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0298754410 01/20/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0565708630 01/30/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0693331121 01/22/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0010198152 01/29/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0821471921 01/29/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0923590549 01/22/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0802857906 02/03/2020 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0997213008 01/17/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0975403979 01/16/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0535894813 01/13/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0365910182 01/17/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0187488264 01/08/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0925229322 02/01/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0146415154 01/15/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0639052776 01/30/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0490230167 01/02/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0294870117 01/31/2020 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
0653501772 01/25/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0839433194 01/31/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0889767161 01/25/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0519719850 02/04/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0072565397 01/29/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0044944341 01/24/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0519937737 02/12/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0113023418 01/22/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0419701598 02/05/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0433036086 01/16/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0108834875 01/23/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0132138184 02/05/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0867149051 02/05/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0270896285 01/21/2020 XXXXXX 1025 Multi-Fam (Mar 05)       $0.00  
0975869822 04/25/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0989004130 02/01/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0715079630 02/06/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0807446297 02/07/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0420672372 02/06/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0911888537 01/29/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0339550150 02/07/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0554068076 02/04/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0626886708 05/10/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0520562074 02/12/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0715130396 02/07/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0412918962 02/13/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0673145296 02/13/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0636405648 01/27/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0587971925 04/08/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0974393174 02/07/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0797935485 01/29/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0072126655 01/30/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0328916245 02/03/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0862463429 02/10/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0325676310 01/31/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0463171726 02/14/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0305104473 02/06/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0855732233 02/05/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0310086781 02/05/2020 XXXXXX 1073 Condo (Mar 05)       $0.00  
0079429953 02/05/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0099697552 02/11/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0686090594 02/11/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0796220400 02/13/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0520364320 02/09/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0519255874 02/04/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0398569103 02/05/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0675142207 02/10/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0900815225 02/13/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0867257622 03/27/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0199561455 02/12/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0613158755 12/19/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0552172577 05/01/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0513330913 05/08/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0151119228 05/07/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0337664369 08/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0809587041 08/27/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0199133857 08/22/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0783812218 09/26/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0011801226 11/01/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0663053020 10/16/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0471475459 10/21/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0167413481 10/22/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0506335865 10/17/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0120417966 10/24/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0614626177 10/25/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0628812501 11/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0945694819 10/24/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0775699939 10/08/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0783238917 10/17/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0051460754 10/29/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0474630771 10/25/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0808185458 10/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0551536361 11/18/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0768946622 11/21/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0666036899 11/02/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0972883650 10/24/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0358894362 11/18/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0771917210 11/01/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0547163489 11/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0196690801 10/28/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0459025494 10/15/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0666729178 10/31/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0640700103 10/24/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0168152019 11/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0306363148 11/18/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0228714371 11/12/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0711395015 10/31/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0918265848 11/06/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0155390259 11/20/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0974682305 11/09/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0351891074 10/17/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0226675848 11/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0565604886 11/08/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0076806311 11/13/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0392914442 11/06/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0067751252 11/08/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0426143530 10/28/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0606553012 11/21/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0115423239 11/04/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0722315217 10/30/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0707146928 11/05/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0971600082 10/23/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0767204093 11/07/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0229802107 11/20/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0412998769 11/20/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0126812109 11/11/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0913486634 11/02/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0509924530 11/12/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0083121188 11/14/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  

 

  Automated Valuation Model
Alt Loan Number Report Date Value Variance Amount Variance (%) AVM Vendor Name Confidence Score
0575918361   $0.00 $0.00 0.00%    
0267055387   $0.00 $0.00 0.00%    
0983065273   $0.00 $0.00 0.00%    
0011090965   $0.00 $0.00 0.00%    
0127206157   $0.00 $0.00 0.00%    
0327877533   $0.00 $0.00 0.00%    
0934738705   $0.00 $0.00 0.00%    
0931076935   $0.00 $0.00 0.00%    
0987760059   $0.00 $0.00 0.00%    
0519746633   $0.00 $0.00 0.00%    
0637415947   $0.00 $0.00 0.00%    
0435659717   $0.00 $0.00 0.00%    
0647979235   $0.00 $0.00 0.00%    
0301537992   $0.00 $0.00 0.00%    
0126289714   $0.00 $0.00 0.00%    
0548410117   $0.00 $0.00 0.00%    
0815077268   $0.00 $0.00 0.00%    
0105102761   $0.00 $0.00 0.00%    
0424196930   $0.00 $0.00 0.00%    
0376690722   $0.00 $0.00 0.00%    
0203513337   $0.00 $0.00 0.00%    
0522989695   $0.00 $0.00 0.00%    
0132647272   $0.00 $0.00 0.00%    
0256142017   $0.00 $0.00 0.00%    
0321626720   $0.00 $0.00 0.00%    
0981461070   $0.00 $0.00 0.00%    
0637451753   $0.00 $0.00 0.00%    
0273235950   $0.00 $0.00 0.00%    
0751916311   $0.00 $0.00 0.00%    
0889562205   $0.00 $0.00 0.00%    
0427189068   $0.00 $0.00 0.00%    
0857947782   $0.00 $0.00 0.00%    
0256677040   $0.00 $0.00 0.00%    
0239784238   $0.00 $0.00 0.00%    
0047945810   $0.00 $0.00 0.00%    
0835736938   $0.00 $0.00 0.00%    
0492688172   $0.00 $0.00 0.00%    
0755217415   $0.00 $0.00 0.00%    
0211403208   $0.00 $0.00 0.00%    
0891574501   $0.00 $0.00 0.00%    
0760685769   $0.00 $0.00 0.00%    
0909460216   $0.00 $0.00 0.00%    
0766577444   $0.00 $0.00 0.00%    
0689253110   $0.00 $0.00 0.00%    
0635653804   $0.00 $0.00 0.00%    
0647316966   $0.00 $0.00 0.00%    
0114331938   $0.00 $0.00 0.00%    
0410705318   $0.00 $0.00 0.00%    
0316095343   $0.00 $0.00 0.00%    
0638274677   $0.00 $0.00 0.00%    
0869229098   $0.00 $0.00 0.00%    
0775806797   $0.00 $0.00 0.00%    
0086555443   $0.00 $0.00 0.00%    
0691861716   $0.00 $0.00 0.00%    
0447436545   $0.00 $0.00 0.00%    
0019747202   $0.00 $0.00 0.00%    
0614080412   $0.00 $0.00 0.00%    
0828617078   $0.00 $0.00 0.00%    
0315183647   $0.00 $0.00 0.00%    
0066468618   $0.00 $0.00 0.00%    
0587257289   $0.00 $0.00 0.00%    
0661479127   $0.00 $0.00 0.00%    
0579183155   $0.00 $0.00 0.00%    
0960463516   $0.00 $0.00 0.00%    
0382848649   $0.00 $0.00 0.00%    
0781117886   $0.00 $0.00 0.00%    
0454239372   $0.00 $0.00 0.00%    
0212460273   $0.00 $0.00 0.00%    
0282248105   $0.00 $0.00 0.00%    
0149938256   $0.00 $0.00 0.00%    
0280951264   $0.00 $0.00 0.00%    
0152026361   $0.00 $0.00 0.00%    
0934228442   $0.00 $0.00 0.00%    
0513436141   $0.00 $0.00 0.00%    
0665965148   $0.00 $0.00 0.00%    
0676241009   $0.00 $0.00 0.00%    
0140413073   $0.00 $0.00 0.00%    
0248562007   $0.00 $0.00 0.00%    
0902138430   $0.00 $0.00 0.00%    
0842481485   $0.00 $0.00 0.00%    
0946724327   $0.00 $0.00 0.00%    
0184294920   $0.00 $0.00 0.00%    
0390131541   $0.00 $0.00 0.00%    
0165335792   $0.00 $0.00 0.00%    
0439570908   $0.00 $0.00 0.00%    
0592916616   $0.00 $0.00 0.00%    
0566403744   $0.00 $0.00 0.00%    
0733569252   $0.00 $0.00 0.00%    
0128603622   $0.00 $0.00 0.00%    
0850788224   $0.00 $0.00 0.00%    
0353807147   $0.00 $0.00 0.00%    
0883544783   $0.00 $0.00 0.00%    
0495512620   $0.00 $0.00 0.00%    
0051185953   $0.00 $0.00 0.00%    
0003400673   $0.00 $0.00 0.00%    
0187283488   $0.00 $0.00 0.00%    
0311275987   $0.00 $0.00 0.00%    
0660918043   $0.00 $0.00 0.00%    
0690126901   $0.00 $0.00 0.00%    
0961757622   $0.00 $0.00 0.00%    
0246237088   $0.00 $0.00 0.00%    
0923404759   $0.00 $0.00 0.00%    
0288775895   $0.00 $0.00 0.00%    
0624782699   $0.00 $0.00 0.00%    
0472976951   $0.00 $0.00 0.00%    
0958240532   $0.00 $0.00 0.00%    
0478451803   $0.00 $0.00 0.00%    
0872152327   $0.00 $0.00 0.00%    
0673234502   $0.00 $0.00 0.00%    
0167969947   $0.00 $0.00 0.00%    
0485017729   $0.00 $0.00 0.00%    
0108484522   $0.00 $0.00 0.00%    
0458597942   $0.00 $0.00 0.00%    
0729651093   $0.00 $0.00 0.00%    
0807012578   $0.00 $0.00 0.00%    
0250616178   $0.00 $0.00 0.00%    
0484252462   $0.00 $0.00 0.00%    
0082394135   $0.00 $0.00 0.00%    
0775480275   $0.00 $0.00 0.00%    
0848901414   $0.00 $0.00 0.00%    
0206504277   $0.00 $0.00 0.00%    
0869104624   $0.00 $0.00 0.00%    
0147276503   $0.00 $0.00 0.00%    
0357768666   $0.00 $0.00 0.00%    
0446767784   $0.00 $0.00 0.00%    
0632163685   $0.00 $0.00 0.00%    
0061627887   $0.00 $0.00 0.00%    
0965799910   $0.00 $0.00 0.00%    
0027206507   $0.00 $0.00 0.00%    
0649999381   $0.00 $0.00 0.00%    
0763354143   $0.00 $0.00 0.00%    
0693582875   $0.00 $0.00 0.00%    
0852820671   $0.00 $0.00 0.00%    
0803617568   $0.00 $0.00 0.00%    
0804200644   $0.00 $0.00 0.00%    
0296321347   $0.00 $0.00 0.00%    
0733897444   $0.00 $0.00 0.00%    
0329887098   $0.00 $0.00 0.00%    
0421965797   $0.00 $0.00 0.00%    
0476095012   $0.00 $0.00 0.00%    
0718872886   $0.00 $0.00 0.00%    
0636867770   $0.00 $0.00 0.00%    
0267487076   $0.00 $0.00 0.00%    
0195728018   $0.00 $0.00 0.00%    
0772659998   $0.00 $0.00 0.00%    
0011223065   $0.00 $0.00 0.00%    
0957037738   $0.00 $0.00 0.00%    
0287850345   $0.00 $0.00 0.00%    
0343009539   $0.00 $0.00 0.00%    
0066565164   $0.00 $0.00 0.00%    
0606360004   $0.00 $0.00 0.00%    
0031914111   $0.00 $0.00 0.00%    
0322977121   $0.00 $0.00 0.00%    
0028477011   $0.00 $0.00 0.00%    
0512524979   $0.00 $0.00 0.00%    
0189641240   $0.00 $0.00 0.00%    
0830259665   $0.00 $0.00 0.00%    
0163768883   $0.00 $0.00 0.00%    
0920564109   $0.00 $0.00 0.00%    
0698076187   $0.00 $0.00 0.00%    
0224443300   $0.00 $0.00 0.00%    
0578018645   $0.00 $0.00 0.00%    
0660339771   $0.00 $0.00 0.00%    
0063181093   $0.00 $0.00 0.00%    
0722343732   $0.00 $0.00 0.00%    
0790097948   $0.00 $0.00 0.00%    
0527620912   $0.00 $0.00 0.00%    
0356979259   $0.00 $0.00 0.00%    
0214949090   $0.00 $0.00 0.00%    
0177640574   $0.00 $0.00 0.00%    
0789246402   $0.00 $0.00 0.00%    
0322706730   $0.00 $0.00 0.00%    
0327979007   $0.00 $0.00 0.00%    
0494951529   $0.00 $0.00 0.00%    
0252870469   $0.00 $0.00 0.00%    
0861479887   $0.00 $0.00 0.00%    
0075878995   $0.00 $0.00 0.00%    
0918908337   $0.00 $0.00 0.00%    
0986096742   $0.00 $0.00 0.00%    
0430048604   $0.00 $0.00 0.00%    
0543050232   $0.00 $0.00 0.00%    
0565064278   $0.00 $0.00 0.00%    
0727092139   $0.00 $0.00 0.00%    
0389976762   $0.00 $0.00 0.00%    
0482825021   $0.00 $0.00 0.00%    
0404172270   $0.00 $0.00 0.00%    
0596803090   $0.00 $0.00 0.00%    
0880963526   $0.00 $0.00 0.00%    
0575349222   $0.00 $0.00 0.00%    
0180641362   $0.00 $0.00 0.00%    
0443514365   $0.00 $0.00 0.00%    
0651845588   $0.00 $0.00 0.00%    
0311979074   $0.00 $0.00 0.00%    
0111122338   $0.00 $0.00 0.00%    
0391709270   $0.00 $0.00 0.00%    
0991316851   $0.00 $0.00 0.00%    
0397813379   $0.00 $0.00 0.00%    
0448299874   $0.00 $0.00 0.00%    
0029402901   $0.00 $0.00 0.00%    
0612453596   $0.00 $0.00 0.00%    
0253531793   $0.00 $0.00 0.00%    
0478034267   $0.00 $0.00 0.00%    
0617713670   $0.00 $0.00 0.00%    
0496416372   $0.00 $0.00 0.00%    
0909259206   $0.00 $0.00 0.00%    
0887025718   $0.00 $0.00 0.00%    
0869008815   $0.00 $0.00 0.00%    
0757533368   $0.00 $0.00 0.00%    
0749998744   $0.00 $0.00 0.00%    
0326350931   $0.00 $0.00 0.00%    
0941590921   $0.00 $0.00 0.00%    
0881262118   $0.00 $0.00 0.00%    
0413376277   $0.00 $0.00 0.00%    
0796350178   $0.00 $0.00 0.00%    
0598344899   $0.00 $0.00 0.00%    
0373805812   $0.00 $0.00 0.00%    
0666186753   $0.00 $0.00 0.00%    
0984152521   $0.00 $0.00 0.00%    
0423216499   $0.00 $0.00 0.00%    
0283627866   $0.00 $0.00 0.00%    
0807760889   $0.00 $0.00 0.00%    
0643564506   $0.00 $0.00 0.00%    
0499709015   $0.00 $0.00 0.00%    
0042912109   $0.00 $0.00 0.00%    
0141616590   $0.00 $0.00 0.00%    
0009310433   $0.00 $0.00 0.00%    
0815783276   $0.00 $0.00 0.00%    
0891883504   $0.00 $0.00 0.00%    
0614343789   $0.00 $0.00 0.00%    
0330876050   $0.00 $0.00 0.00%    
0508743030   $0.00 $0.00 0.00%    
0054666582   $0.00 $0.00 0.00%    
0688153781   $0.00 $0.00 0.00%    
0574802771   $0.00 $0.00 0.00%    
0904937257   $0.00 $0.00 0.00%    
0992925460   $0.00 $0.00 0.00%    
0758558863   $0.00 $0.00 0.00%    
0567066302   $0.00 $0.00 0.00%    
0665003731   $0.00 $0.00 0.00%    
0972480194   $0.00 $0.00 0.00%    
0096428484   $0.00 $0.00 0.00%    
0270305714   $0.00 $0.00 0.00%    
0697169855   $0.00 $0.00 0.00%    
0024666365   $0.00 $0.00 0.00%    
0845535508   $0.00 $0.00 0.00%    
0885074769   $0.00 $0.00 0.00%    
0387255237   $0.00 $0.00 0.00%    
0299349768   $0.00 $0.00 0.00%    
0446571853   $0.00 $0.00 0.00%    
0866388863   $0.00 $0.00 0.00%    
0052264422   $0.00 $0.00 0.00%    
0458741351   $0.00 $0.00 0.00%    
0027375279   $0.00 $0.00 0.00%    
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0613158755   $0.00 $0.00 0.00%    
0552172577   $0.00 $0.00 0.00%    
0513330913   $0.00 $0.00 0.00%    
0151119228   $0.00 $0.00 0.00%    
0337664369   $0.00 $0.00 0.00%    
0809587041   $0.00 $0.00 0.00%    
0199133857   $0.00 $0.00 0.00%    
0783812218   $0.00 $0.00 0.00%    
0011801226   $0.00 $0.00 0.00%    
0663053020   $0.00 $0.00 0.00%    
0471475459   $0.00 $0.00 0.00%    
0167413481   $0.00 $0.00 0.00%    
0506335865   $0.00 $0.00 0.00%    
0120417966   $0.00 $0.00 0.00%    
0614626177   $0.00 $0.00 0.00%    
0628812501   $0.00 $0.00 0.00%    
0945694819   $0.00 $0.00 0.00%    
0775699939   $0.00 $0.00 0.00%    
0783238917   $0.00 $0.00 0.00%    
0051460754   $0.00 $0.00 0.00%    
0474630771   $0.00 $0.00 0.00%    
0808185458   $0.00 $0.00 0.00%    
0551536361   $0.00 $0.00 0.00%    
0768946622   $0.00 $0.00 0.00%    
0666036899   $0.00 $0.00 0.00%    
0972883650   $0.00 $0.00 0.00%    
0358894362   $0.00 $0.00 0.00%    
0771917210   $0.00 $0.00 0.00%    
0547163489   $0.00 $0.00 0.00%    
0196690801   $0.00 $0.00 0.00%    
0459025494   $0.00 $0.00 0.00%    
0666729178   $0.00 $0.00 0.00%    
0640700103   $0.00 $0.00 0.00%    
0168152019   $0.00 $0.00 0.00%    
0306363148   $0.00 $0.00 0.00%    
0228714371   $0.00 $0.00 0.00%    
0711395015   $0.00 $0.00 0.00%    
0918265848   $0.00 $0.00 0.00%    
0155390259   $0.00 $0.00 0.00%    
0974682305   $0.00 $0.00 0.00%    
0351891074   $0.00 $0.00 0.00%    
0226675848   $0.00 $0.00 0.00%    
0565604886   $0.00 $0.00 0.00%    
0076806311   $0.00 $0.00 0.00%    
0392914442   $0.00 $0.00 0.00%    
0067751252   $0.00 $0.00 0.00%    
0426143530   $0.00 $0.00 0.00%    
0606553012   $0.00 $0.00 0.00%    
0115423239   $0.00 $0.00 0.00%    
0722315217   $0.00 $0.00 0.00%    
0707146928   $0.00 $0.00 0.00%    
0971600082   $0.00 $0.00 0.00%    
0767204093   $0.00 $0.00 0.00%    
0229802107   $0.00 $0.00 0.00%    
0412998769   $0.00 $0.00 0.00%    
0126812109   $0.00 $0.00 0.00%    
0913486634   $0.00 $0.00 0.00%    
0509924530   $0.00 $0.00 0.00%    
0083121188   $0.00 $0.00 0.00%    

 

  Desk Review Second Desk Review
Alt Loan Number Report Date Value Variance Amount Variance (%) Report Date Value Variance Amount Variance %
0575918361 06/29/2017 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0267055387 09/10/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0983065273 03/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0011090965 01/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0127206157 03/13/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0327877533 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0934738705 01/21/2020 XXXXXX XXXX -2.97%   $0.00 $0.00 0.00%
0931076935 12/19/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0987760059 01/22/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0519746633 03/09/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0637415947 12/05/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0435659717 02/26/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0647979235 12/23/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0301537992 01/22/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0126289714 01/29/2020 XXXXXX XXXX 0.41%   $0.00 $0.00 0.00%
0548410117 01/02/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0815077268 02/07/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0105102761 12/19/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0424196930 01/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0376690722 03/26/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0203513337 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0522989695 02/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0132647272 02/07/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0256142017 03/12/2020 XXXXXX XXXX 1.46%   $0.00 $0.00 0.00%
0321626720 01/22/2020 XXXXXX XXXX 1.54%   $0.00 $0.00 0.00%
0981461070 03/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0637451753 02/15/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0273235950 02/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0751916311 12/30/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0889562205 12/20/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0427189068 01/21/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0857947782 01/22/2020 XXXXXX XXXX 2.51%   $0.00 $0.00 0.00%
0256677040 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0239784238 02/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0047945810 02/24/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0835736938 12/19/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0492688172 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0755217415 09/10/2019 XXXXXX XXXX -2.33%   $0.00 $0.00 0.00%
0211403208 03/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0891574501 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0760685769 03/03/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0909460216 02/11/2020 XXXXXX XXXX 1.33%   $0.00 $0.00 0.00%
0766577444 01/31/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0689253110 12/23/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0635653804 05/18/2020 XXXXXX XXXX -4.06%   $0.00 $0.00 0.00%
0647316966 03/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0114331938 12/30/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0410705318 02/10/2020 XXXXXX XXXX -0.63%   $0.00 $0.00 0.00%
0316095343 01/28/2020 XXXXXX XXXX 2.13%   $0.00 $0.00 0.00%
0638274677 12/26/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0869229098 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0775806797 01/21/2020 XXXXXX XXXX 1.67%   $0.00 $0.00 0.00%
0086555443 02/14/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0691861716 12/28/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0447436545 03/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0019747202 01/29/2020 XXXXXX XXXX -6.25%   $0.00 $0.00 0.00%
0614080412 01/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0828617078 12/31/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0315183647 01/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0066468618 02/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0587257289 01/31/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0661479127 03/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0579183155 01/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0960463516 01/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0382848649 01/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0781117886 01/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0454239372 12/31/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0212460273 04/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0282248105 01/30/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0149938256 02/08/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0280951264 01/23/2020 XXXXXX XXXX -4.76%   $0.00 $0.00 0.00%
0152026361 01/08/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0934228442 03/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0513436141 01/08/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0665965148 01/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0676241009 01/31/2020 XXXXXX XXXX -2.43%   $0.00 $0.00 0.00%
0140413073 01/10/2020 XXXXXX XXXX -9.20%   $0.00 $0.00 0.00%
0248562007 02/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0902138430 02/13/2020 XXXXXX XXXX -21.57%   $0.00 $0.00 0.00%
0842481485 01/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0946724327 12/16/2019 XXXXXX XXXX -0.88%   $0.00 $0.00 0.00%
0184294920 12/30/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0390131541 01/07/2020 XXXXXX XXXX 0.42%   $0.00 $0.00 0.00%
0165335792 01/22/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0439570908 03/02/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0592916616 02/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0566403744 02/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0733569252 01/17/2020 XXXXXX XXXX -3.92%   $0.00 $0.00 0.00%
0128603622 01/30/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0850788224 01/16/2020 XXXXXX XXXX -1.00%   $0.00 $0.00 0.00%
0353807147 12/27/2019 XXXXXX XXXX -0.37%   $0.00 $0.00 0.00%
0883544783 01/30/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0495512620 12/20/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0051185953 01/16/2020 XXXXXX XXXX -4.12%   $0.00 $0.00 0.00%
0003400673 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0187283488 12/19/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0311275987 01/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0660918043 01/07/2020 XXXXXX XXXX -3.54%   $0.00 $0.00 0.00%
0690126901 01/29/2020 XXXXXX XXXX -3.05%   $0.00 $0.00 0.00%
0961757622 02/07/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0246237088 01/31/2020 XXXXXX XXXX -6.87%   $0.00 $0.00 0.00%
0923404759 04/01/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0288775895 12/28/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0624782699 01/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0472976951 01/16/2020 XXXXXX XXXX -5.05%   $0.00 $0.00 0.00%
0958240532 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0478451803 12/16/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0872152327 02/06/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0673234502 01/22/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0167969947 02/18/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0485017729 01/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0108484522 01/06/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0458597942 01/23/2020 XXXXXX XXXX 1.42%   $0.00 $0.00 0.00%
0729651093 01/28/2020 XXXXXX XXXX -30.18%   $0.00 $0.00 0.00%
0807012578 01/22/2020 XXXXXX XXXX -9.66%   $0.00 $0.00 0.00%
0250616178 01/21/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0484252462 01/08/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0082394135 01/21/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0775480275 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0848901414 12/24/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0206504277 01/08/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0869104624 01/29/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0147276503 02/04/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0357768666 01/24/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0446767784 01/13/2020 XXXXXX XXXX -1.07%   $0.00 $0.00 0.00%
0632163685 12/27/2019 XXXXXX XXXX 1.14%   $0.00 $0.00 0.00%
0061627887 01/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0965799910 01/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0027206507 01/22/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0649999381 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0763354143 12/27/2019 XXXXXX XXXX -3.37%   $0.00 $0.00 0.00%
0693582875 02/06/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0852820671 12/12/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0803617568 12/23/2019 XXXXXX XXXX -1.23%   $0.00 $0.00 0.00%
0804200644 01/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0296321347 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0733897444 02/20/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0329887098 02/03/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0421965797 01/21/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0476095012 01/08/2020 XXXXXX XXXX -1.24%   $0.00 $0.00 0.00%
0718872886 02/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0636867770 02/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0267487076 01/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0195728018 01/29/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0772659998 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0011223065 01/30/2020 XXXXXX XXXX 0.06%   $0.00 $0.00 0.00%
0957037738 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0287850345 01/23/2020 XXXXXX XXXX -11.76%   $0.00 $0.00 0.00%
0343009539 01/15/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0066565164 01/28/2020 XXXXXX XXXX -4.35%   $0.00 $0.00 0.00%
0606360004 03/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0031914111 12/24/2019 XXXXXX XXXX -0.83%   $0.00 $0.00 0.00%
0322977121 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0028477011 01/08/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0512524979 01/31/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0189641240 01/23/2020 XXXXXX XXXX -7.04%   $0.00 $0.00 0.00%
0830259665 01/03/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0163768883 02/08/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0920564109 12/26/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0698076187 01/21/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0224443300 01/23/2020 XXXXXX XXXX -13.11%   $0.00 $0.00 0.00%
0578018645 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0660339771 12/23/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0063181093 04/06/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0722343732 01/22/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0790097948 12/09/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0527620912 12/27/2019 XXXXXX XXXX -0.26%   $0.00 $0.00 0.00%
0356979259 01/22/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0214949090 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0177640574 04/15/2020 XXXXXX XXXX -0.44%   $0.00 $0.00 0.00%
0789246402 01/28/2020 XXXXXX XXXX -1.67%   $0.00 $0.00 0.00%
0322706730 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0327979007 12/16/2019 XXXXXX XXXX -0.45%   $0.00 $0.00 0.00%
0494951529 01/14/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0252870469 12/31/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0861479887 12/13/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0075878995 01/30/2020 XXXXXX XXXX -4.09%   $0.00 $0.00 0.00%
0918908337 02/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0986096742 03/06/2020 XXXXXX XXXX -9.64%   $0.00 $0.00 0.00%
0430048604 12/19/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0543050232 01/29/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0565064278 03/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0727092139 01/14/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0389976762 01/22/2020 XXXXXX XXXX -0.48%   $0.00 $0.00 0.00%
0482825021 02/19/2020 XXXXXX XXXX -25.71%   $0.00 $0.00 0.00%
0404172270 02/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0596803090 01/22/2020 XXXXXX XXXX -6.85%   $0.00 $0.00 0.00%
0880963526 02/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0575349222 01/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0180641362 02/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0443514365 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0651845588 03/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0311979074 01/29/2020 XXXXXX XXXX 1.67%   $0.00 $0.00 0.00%
0111122338 12/23/2019 XXXXXX XXXX -0.35%   $0.00 $0.00 0.00%
0391709270 12/16/2019 XXXXXX XXXX -1.25%   $0.00 $0.00 0.00%
0991316851 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0397813379 12/20/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0448299874 02/19/2020 XXXXXX XXXX -10.94%   $0.00 $0.00 0.00%
0029402901 12/23/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0612453596 01/17/2020 XXXXXX XXXX -5.36%   $0.00 $0.00 0.00%
0253531793 01/31/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0478034267 01/14/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0617713670 01/31/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0496416372 01/03/2020 XXXXXX XXXX -20.70%   $0.00 $0.00 0.00%
0909259206 01/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0887025718 01/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0869008815 12/30/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0757533368 01/29/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0749998744 01/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0326350931 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0941590921 12/16/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0881262118 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0413376277 02/19/2020 XXXXXX XXXX 1.33%   $0.00 $0.00 0.00%
0796350178 01/30/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0598344899 02/07/2020 XXXXXX XXXX -0.61%   $0.00 $0.00 0.00%
0373805812 01/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0666186753 12/24/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0984152521 03/03/2020 XXXXXX XXXX 1.61%   $0.00 $0.00 0.00%
0423216499 01/30/2020 XXXXXX XXXX -4.69%   $0.00 $0.00 0.00%
0283627866 01/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0807760889 03/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0643564506 12/04/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0499709015 12/12/2019 XXXXXX XXXX 0.22%   $0.00 $0.00 0.00%
0042912109 03/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0141616590 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0009310433 10/18/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0815783276 02/18/2020 XXXXXX XXXX -11.76%   $0.00 $0.00 0.00%
0891883504 02/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0614343789 12/20/2019 XXXXXX XXXX -7.71%   $0.00 $0.00 0.00%
0330876050 02/17/2020 XXXXXX XXXX 1.25%   $0.00 $0.00 0.00%
0508743030 01/10/2020 XXXXXX XXXX 0.07%   $0.00 $0.00 0.00%
0054666582 12/28/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0688153781 01/10/2020 XXXXXX XXXX 9.29%   $0.00 $0.00 0.00%
0574802771 12/31/2019 XXXXXX XXXX 0.76%   $0.00 $0.00 0.00%
0904937257 01/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0992925460 03/26/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0758558863 01/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0567066302 12/30/2019 XXXXXX XXXX -11.94%   $0.00 $0.00 0.00%
0665003731 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0972480194 02/21/2020 XXXXXX XXXX 0.72%   $0.00 $0.00 0.00%
0096428484 03/05/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0270305714 12/31/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0697169855 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0024666365 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0845535508 01/22/2020 XXXXXX XXXX 1.36%   $0.00 $0.00 0.00%
0885074769 02/11/2020 XXXXXX XXXX 2.21%   $0.00 $0.00 0.00%
0387255237 01/27/2020 XXXXXX XXXX -23.81%   $0.00 $0.00 0.00%
0299349768 01/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0446571853 01/06/2020 XXXXXX XXXX -0.47%   $0.00 $0.00 0.00%
0866388863 02/05/2020 XXXXXX XXXX -23.91%   $0.00 $0.00 0.00%
0052264422 01/24/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0458741351 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0027375279 03/05/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0596614185 01/13/2020 XXXXXX XXXX -11.76%   $0.00 $0.00 0.00%
0121728219 03/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0229174358 01/30/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0900410794 12/19/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0907910824 01/24/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0507906396 12/31/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0839597392 01/15/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0287509371 01/07/2020 XXXXXX XXXX 5.00%   $0.00 $0.00 0.00%
0265972722 03/04/2020 XXXXXX XXXX -0.50%   $0.00 $0.00 0.00%
0551106617 01/14/2020 XXXXXX XXXX -0.42%   $0.00 $0.00 0.00%
0732060064 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0407861797 02/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0572567581 12/24/2019 XXXXXX XXXX -0.86%   $0.00 $0.00 0.00%
0905413073 02/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0111515188 01/14/2020 XXXXXX XXXX -6.88%   $0.00 $0.00 0.00%
0290911310 02/03/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0815799280 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0040513115 12/31/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0987277079 12/19/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0486886922 01/02/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0066460386 02/07/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0788221083 12/19/2019 XXXXXX XXXX 0.54%   $0.00 $0.00 0.00%
0150569991 02/13/2020 XXXXXX XXXX -2.91%   $0.00 $0.00 0.00%
0773333636 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0654382150 01/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0257299882 03/02/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0833201387 01/13/2020 XXXXXX XXXX -0.77%   $0.00 $0.00 0.00%
0623212936 12/16/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0216887386 12/20/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0595309566 12/31/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0006246739 01/16/2020 XXXXXX XXXX -0.01%   $0.00 $0.00 0.00%
0143613020 01/30/2020 XXXXXX XXXX -1.92%   $0.00 $0.00 0.00%
0892452284 01/14/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0875564480 02/03/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0400794719 01/30/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0151931353 02/21/2020 XXXXXX XXXX -0.60%   $0.00 $0.00 0.00%
0972228840 02/18/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0186106294 03/17/2020 XXXXXX XXXX -0.42%   $0.00 $0.00 0.00%
0564354201 02/21/2020 XXXXXX XXXX 6.06%   $0.00 $0.00 0.00%
0970143808 01/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0109879421 01/08/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0147088588 02/21/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0975143436 01/16/2020 XXXXXX XXXX -12.28%   $0.00 $0.00 0.00%
0586695440 12/31/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0698879646 02/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0670241357 12/19/2019 XXXXXX XXXX -0.74%   $0.00 $0.00 0.00%
0852748382 01/03/2020 XXXXXX XXXX -13.43%   $0.00 $0.00 0.00%
0745820727 01/06/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0661933393 01/30/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0434461378 03/02/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0966930038 03/24/2020 XXXXXX XXXX -0.28%   $0.00 $0.00 0.00%
0073568834 01/30/2020 XXXXXX XXXX -0.91%   $0.00 $0.00 0.00%
0124118369 01/22/2020 XXXXXX XXXX 0.63%   $0.00 $0.00 0.00%
0832406984 12/20/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0332825603 01/15/2020 XXXXXX XXXX -0.75%   $0.00 $0.00 0.00%
0026931308 01/22/2020 XXXXXX XXXX -13.93%   $0.00 $0.00 0.00%
0069823872 12/19/2019 XXXXXX XXXX -2.19%   $0.00 $0.00 0.00%
0796616278 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0183409537 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0496151433 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0381644460 01/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0510226110 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0638553428 03/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0989179353 12/19/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0827362803 03/18/2020 XXXXXX XXXX -4.89%   $0.00 $0.00 0.00%
0331670106 01/15/2020 XXXXXX XXXX -18.18%   $0.00 $0.00 0.00%
0176325343 01/15/2020 XXXXXX XXXX -1.49%   $0.00 $0.00 0.00%
0772531540 02/20/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0883191688 01/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0935135319 01/14/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0509172664 12/30/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0387913058 02/24/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0941628554 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0811218162 03/03/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0638636821 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0239866751 01/14/2020 XXXXXX XXXX -3.64%   $0.00 $0.00 0.00%
0652945414 02/18/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0653662535 04/15/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0213695160 01/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0838781033 01/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0516679625 01/31/2020 XXXXXX XXXX -2.56%   $0.00 $0.00 0.00%
0776821255 01/28/2020 XXXXXX XXXX -0.64%   $0.00 $0.00 0.00%
0493284315 01/31/2020 XXXXXX XXXX 3.60%   $0.00 $0.00 0.00%
0055110221 02/21/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0250306049 03/03/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0263537948 01/30/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0649165515 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0152605952 01/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0773170822 02/06/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0090098377 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0067690391 01/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0995089380 12/28/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0020240931 01/30/2020 XXXXXX XXXX -2.94%   $0.00 $0.00 0.00%
0527681168 01/02/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0716570777 03/02/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0691481234 01/28/2020 XXXXXX XXXX 1.12%   $0.00 $0.00 0.00%
0517111211 02/24/2020 XXXXXX XXXX -2.31%   $0.00 $0.00 0.00%
0212802515 01/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0502569024 01/15/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0031042677 01/14/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0139328346 01/29/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0409087520 02/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0168332797 03/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0401771554 01/30/2020 XXXXXX XXXX -5.49%   $0.00 $0.00 0.00%
0534772069 01/14/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0853300137 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0175570953 01/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0976914039 01/28/2020 XXXXXX XXXX -12.63%   $0.00 $0.00 0.00%
0604718244 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0017438879 01/09/2020 XXXXXX XXXX -1.23%   $0.00 $0.00 0.00%
0225929685 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0400517747 12/31/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0817087141 01/30/2020 XXXXXX XXXX 8.24%   $0.00 $0.00 0.00%
0376949180 02/06/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0571251354 01/29/2020 XXXXXX XXXX 1.33%   $0.00 $0.00 0.00%
0121920863 02/06/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0589770587 03/12/2020 XXXXXX XXXX -0.69%   $0.00 $0.00 0.00%
0945332449 01/24/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0382923592 04/21/2020 XXXXXX XXXX -9.82%   $0.00 $0.00 0.00%
0184084543 02/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0361062954 01/29/2020 XXXXXX XXXX -13.79%   $0.00 $0.00 0.00%
0537872862 03/02/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0607500115 01/13/2020 XXXXXX XXXX -6.31%   $0.00 $0.00 0.00%
0848405652 01/15/2020 XXXXXX XXXX -4.50%   $0.00 $0.00 0.00%
0093824078 01/04/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0153106253 03/09/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0141601558 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0873525496 01/14/2020 XXXXXX XXXX -2.86%   $0.00 $0.00 0.00%
0763975052 01/22/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0574315880 01/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0735188950 02/21/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0463185065 01/30/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0295394512 02/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0344949400 01/29/2020 XXXXXX XXXX 3.81%   $0.00 $0.00 0.00%
0404038797 01/15/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0045372676 01/14/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0117467289 03/02/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0428827678 01/27/2020 XXXXXX XXXX -10.53%   $0.00 $0.00 0.00%
0060360382 01/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0388660807 01/02/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0184849577 01/30/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0479316549 01/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0658790748 01/29/2020 XXXXXX XXXX 3.83%   $0.00 $0.00 0.00%
0595359991 03/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0893748906 02/18/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0772921524 03/09/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0820690638 03/09/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0580787968 02/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0528165425 01/24/2020 XXXXXX XXXX 0.36%   $0.00 $0.00 0.00%
0628966610 01/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0673242717 02/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0470992348 01/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0441113274 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0412231888 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0837824508 03/25/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0463439308 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0480980438 01/29/2020 XXXXXX XXXX 2.10%   $0.00 $0.00 0.00%
0143498746 02/18/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0268079662 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0302416740 02/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0405424563 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0051217910 02/20/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0692778696 02/07/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0296054245 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0693766255 02/20/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0317127482 01/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0761699662 01/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0982383999 01/29/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0793137276 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0415770466 02/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0501714950 01/22/2020 XXXXXX XXXX -8.13%   $0.00 $0.00 0.00%
0510931562 02/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0913497649 01/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0119177982 01/23/2020 XXXXXX XXXX 0.82%   $0.00 $0.00 0.00%
0219410091 02/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0204020307 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0124612723 03/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0423573974 01/21/2020 XXXXXX XXXX 1.12%   $0.00 $0.00 0.00%
0633758396 03/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0086093449 02/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0586306701 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0357427472 02/07/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0118389141 01/15/2020 XXXXXX XXXX -9.38%   $0.00 $0.00 0.00%
0457211593 02/18/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0849458578 01/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0881226962 02/21/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0536317749 02/11/2020 XXXXXX XXXX -2.37%   $0.00 $0.00 0.00%
0902805089 03/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0060289493 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0342741351 03/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0205794193 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0119521075 01/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0704218236 01/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0092331800 02/06/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0351448413 02/28/2020 XXXXXX XXXX -2.96%   $0.00 $0.00 0.00%
0966927222 03/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0233355323 02/26/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0956692933 01/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0851541144 02/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0483586123 02/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0635327011 01/30/2020 XXXXXX XXXX -0.54%   $0.00 $0.00 0.00%
0574037653 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0224258049 02/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0952676396 03/18/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0144706572 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0722137058 01/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0252168237 02/20/2020 XXXXXX XXXX -1.03%   $0.00 $0.00 0.00%
0950382458 02/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0959479961 02/13/2020 XXXXXX XXXX 1.11%   $0.00 $0.00 0.00%
0885967578 02/07/2020 XXXXXX XXXX 2.00%   $0.00 $0.00 0.00%
0712354255 03/05/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0051197645 02/19/2020 XXXXXX XXXX -13.25%   $0.00 $0.00 0.00%
0313465573 01/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0091549307 03/17/2020 XXXXXX XXXX -2.33%   $0.00 $0.00 0.00%
0767833346 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0273589785 04/02/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0517043976 02/05/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0547685704 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0746534248 01/24/2020 XXXXXX XXXX -3.97%   $0.00 $0.00 0.00%
0764334177 02/14/2020 XXXXXX XXXX -11.11%   $0.00 $0.00 0.00%
0548469352 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0925216256 02/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0978099742 03/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0370797674 02/06/2020 XXXXXX XXXX -2.73%   $0.00 $0.00 0.00%
0309305644 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0532294495 03/02/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0217886850 03/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0040730354 02/07/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0202345953 01/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0768373910 02/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0700768695 02/10/2020 XXXXXX XXXX -6.95%   $0.00 $0.00 0.00%
0891984460 01/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0482601211 02/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0202412456 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0029201256 02/15/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0294313058 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0377470874 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0091942360 03/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0976171249 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0069149606 03/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0956538933 03/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0667700380 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0772988316 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0820694736 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0863735770 02/14/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0659371858 02/13/2020 XXXXXX XXXX -0.14%   $0.00 $0.00 0.00%
0088488729 02/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0382968816 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0620963315 03/16/2020 XXXXXX XXXX -4.08%   $0.00 $0.00 0.00%
0950664319 03/03/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0197227847 03/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0915378242 02/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0706622870 03/02/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0232102532 05/18/2020 XXXXXX XXXX -2.13%   $0.00 $0.00 0.00%
0376404004 02/21/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0714406094 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0983538365 03/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0433553551 03/11/2020 XXXXXX XXXX -0.43%   $0.00 $0.00 0.00%
0410954749 02/05/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0361026646 03/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0664144213 04/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0555664563 02/12/2020 XXXXXX XXXX -1.81%   $0.00 $0.00 0.00%
0980694010 03/18/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0534944349 03/20/2020 XXXXXX XXXX -2.44%   $0.00 $0.00 0.00%
0896411322 02/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0571423561 03/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0367085192 03/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0091601491 02/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0009931046 02/07/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0200826751 03/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0071382981 02/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0596315097 02/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0879273427 02/24/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0634208653 03/12/2020 XXXXXX XXXX 0.95%   $0.00 $0.00 0.00%
0814095225 03/06/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0771728646 02/13/2020 XXXXXX XXXX 2.41%   $0.00 $0.00 0.00%
0404029043 03/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0375759553 02/18/2020 XXXXXX XXXX -8.62%   $0.00 $0.00 0.00%
0640925264 03/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0393988829 03/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0106776327 03/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0079462421 04/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0499972963 03/05/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0945949703 02/18/2020 XXXXXX XXXX 3.10%   $0.00 $0.00 0.00%
0689465985 03/30/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0131720101 03/12/2020 XXXXXX XXXX -0.32%   $0.00 $0.00 0.00%
0812909615 04/02/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0881792887 03/04/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0219977465 02/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0957914529 02/11/2020 XXXXXX XXXX 2.96%   $0.00 $0.00 0.00%
0169817285 03/04/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0819058018 03/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0102206851 02/18/2020 XXXXXX XXXX -0.18%   $0.00 $0.00 0.00%
0453939203 03/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0261087678 04/13/2020 XXXXXX XXXX 1.79%   $0.00 $0.00 0.00%
0410605347 03/09/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0723471326 02/13/2020 XXXXXX XXXX -6.25%   $0.00 $0.00 0.00%
0111368640 03/27/2020 XXXXXX XXXX -7.53%   $0.00 $0.00 0.00%
0395677022 02/20/2020 XXXXXX XXXX -0.60%   $0.00 $0.00 0.00%
0232215406 03/12/2020 XXXXXX XXXX 3.40%   $0.00 $0.00 0.00%
0144237327 03/11/2020 XXXXXX XXXX -18.05%   $0.00 $0.00 0.00%
0370125516 04/01/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0522663268 03/18/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0973374097 03/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0984797009 04/06/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0542370164 03/03/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0933447834 03/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0605984110 04/10/2020 XXXXXX XXXX 6.82%   $0.00 $0.00 0.00%
0546204603 03/09/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0426822088 03/13/2020 XXXXXX XXXX -6.54%   $0.00 $0.00 0.00%
0520541188 02/07/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0918893707 03/18/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0773985689 03/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0712328488 03/09/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0298754410 03/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0565708630 03/23/2020 XXXXXX XXXX -1.37%   $0.00 $0.00 0.00%
0693331121 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0010198152 03/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0821471921 03/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0923590549 03/04/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0802857906 05/04/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0997213008 02/20/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0975403979 03/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0535894813 02/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0365910182 02/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0187488264 02/07/2020 XXXXXX XXXX -6.12%   $0.00 $0.00 0.00%
0925229322 03/13/2020 XXXXXX XXXX -0.54%   $0.00 $0.00 0.00%
0146415154 02/13/2020 XXXXXX XXXX -6.36%   $0.00 $0.00 0.00%
0639052776 03/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0490230167 02/18/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0294870117 04/01/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0653501772 03/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0839433194 04/09/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0889767161 03/26/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0519719850 03/04/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0072565397 03/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0044944341 03/09/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0519937737 03/18/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0113023418 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0419701598 03/08/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0433036086 02/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0108834875 03/10/2020 XXXXXX XXXX -3.51%   $0.00 $0.00 0.00%
0132138184 03/17/2020 XXXXXX XXXX 4.35%   $0.00 $0.00 0.00%
0867149051 03/24/2020 XXXXXX XXXX -1.68%   $0.00 $0.00 0.00%
0270896285 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0975869822 03/17/2020 XXXXXX XXXX -9.22%   $0.00 $0.00 0.00%
0989004130 03/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0715079630 03/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0807446297 03/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0420672372 03/16/2020 XXXXXX XXXX -6.69%   $0.00 $0.00 0.00%
0911888537 03/18/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0339550150 03/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0554068076 03/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0626886708 03/09/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0520562074 03/18/2020 XXXXXX XXXX -0.54%   $0.00 $0.00 0.00%
0715130396 03/05/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0412918962 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0673145296 03/03/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0636405648 03/23/2020 XXXXXX XXXX -14.56%   $0.00 $0.00 0.00%
0587971925 03/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0974393174 03/20/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0797935485 03/15/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0072126655 03/03/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0328916245 03/12/2020 XXXXXX XXXX -4.30%   $0.00 $0.00 0.00%
0862463429 03/17/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0325676310 03/09/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0463171726 03/18/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0305104473 03/31/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0855732233 03/09/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0310086781 03/17/2020 XXXXXX XXXX 1.44%   $0.00 $0.00 0.00%
0079429953 03/20/2020 XXXXXX XXXX -2.27%   $0.00 $0.00 0.00%
0099697552 03/19/2020 XXXXXX XXXX -6.87%   $0.00 $0.00 0.00%
0686090594 03/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0796220400 03/16/2020 XXXXXX XXXX 0.32%   $0.00 $0.00 0.00%
0520364320 03/17/2020 XXXXXX XXXX -3.13%   $0.00 $0.00 0.00%
0519255874 03/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0398569103 03/12/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0675142207 03/20/2020 XXXXXX XXXX -11.11%   $0.00 $0.00 0.00%
0900815225 03/16/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0867257622 03/09/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0199561455 03/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0613158755 02/26/2020 XXXXXX XXXX -14.89%   $0.00 $0.00 0.00%
0552172577 06/19/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0513330913 07/15/2019 XXXXXX XXXX -0.79%   $0.00 $0.00 0.00%
0151119228 08/07/2019 XXXXXX XXXX -0.77%   $0.00 $0.00 0.00%
0337664369 11/04/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0809587041 10/18/2019 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0199133857 01/13/2020 XXXXXX XXXX -1.50%   $0.00 $0.00 0.00%
0783812218 01/24/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0011801226 02/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0663053020 01/30/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0471475459 01/20/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0167413481 01/31/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0506335865 01/14/2020 XXXXXX XXXX -7.32%   $0.00 $0.00 0.00%
0120417966 01/31/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0614626177 01/29/2020 XXXXXX XXXX -3.25%   $0.00 $0.00 0.00%
0628812501 01/23/2020 XXXXXX XXXX -12.50%   $0.00 $0.00 0.00%
0945694819 01/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0775699939 01/17/2020 XXXXXX XXXX -0.06%   $0.00 $0.00 0.00%
0783238917 01/08/2020 XXXXXX XXXX -14.75%   $0.00 $0.00 0.00%
0051460754 01/13/2020 XXXXXX XXXX -2.63%   $0.00 $0.00 0.00%
0474630771 01/06/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0808185458 01/28/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0551536361 01/22/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0768946622 01/22/2020 XXXXXX XXXX -4.44%   $0.00 $0.00 0.00%
0666036899 01/19/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0972883650 12/17/2019 XXXXXX XXXX -1.47%   $0.00 $0.00 0.00%
0358894362 01/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0771917210 01/14/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0547163489 02/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0196690801 01/11/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0459025494 02/06/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0666729178 02/04/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0640700103 01/24/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0168152019 01/14/2020 XXXXXX XXXX -3.57%   $0.00 $0.00 0.00%
0306363148 01/23/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0228714371 01/15/2020 XXXXXX XXXX -1.14%   $0.00 $0.00 0.00%
0711395015 02/04/2020 XXXXXX XXXX -4.62%   $0.00 $0.00 0.00%
0918265848 01/13/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0155390259 01/24/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0974682305 01/14/2020 XXXXXX XXXX 5.69%   $0.00 $0.00 0.00%
0351891074 03/17/2020 XXXXXX XXXX 1.62%   $0.00 $0.00 0.00%
0226675848 01/10/2020 XXXXXX XXXX -21.57%   $0.00 $0.00 0.00%
0565604886 02/03/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0076806311 02/27/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0392914442 01/24/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0067751252 01/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0426143530 01/31/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0606553012 01/22/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0115423239 02/21/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0722315217 01/24/2020 XXXXXX XXXX -4.81%   $0.00 $0.00 0.00%
0707146928 01/14/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0971600082 01/07/2020 XXXXXX XXXX -13.43%   $0.00 $0.00 0.00%
0767204093 01/24/2020 XXXXXX XXXX 4.10%   $0.00 $0.00 0.00%
0229802107 01/30/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0412998769 01/23/2020 XXXXXX XXXX 0.62%   $0.00 $0.00 0.00%
0126812109 02/03/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0913486634 01/10/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%
0509924530 01/23/2020 XXXXXX XXXX -6.74%   $0.00 $0.00 0.00%
0083121188 01/07/2020 XXXXXX $0.00 0.00%   $0.00 $0.00 0.00%

 

  Field Review Second Field Review
Alt Loan Number Report Date Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%)
0575918361   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0267055387   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0983065273   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0011090965   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0127206157   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0327877533   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0934738705   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0931076935   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0987760059   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0519746633   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0637415947   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0435659717   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0647979235   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0301537992   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0126289714   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0548410117   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0815077268   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0105102761   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0424196930   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0376690722   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0203513337   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0522989695   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0132647272   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0256142017   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0321626720   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0981461070   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0637451753   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0273235950   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0751916311   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0889562205   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0427189068   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0857947782   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0256677040   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0239784238   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0047945810   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0835736938   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0492688172   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0755217415   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0211403208   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0891574501   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0760685769   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0909460216   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0766577444   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0689253110   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0635653804   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0647316966   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0114331938   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0410705318   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0316095343   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0638274677   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0869229098   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0775806797   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0086555443   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0691861716   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0447436545   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0019747202   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0614080412   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0828617078   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0315183647   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0066468618   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0587257289   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0661479127   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0579183155   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0960463516   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0382848649   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0781117886   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0454239372   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0212460273   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0282248105   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0149938256   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0280951264   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0152026361   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0934228442   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0513436141   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0665965148   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0676241009   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0140413073   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0248562007   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0902138430 03/11/2020 XXXXXX XXXX -1.96%   XXXXXX $0.00 0.00%
0842481485   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0946724327   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0184294920   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0390131541   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0165335792   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0439570908   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0592916616   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0566403744   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0733569252   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0128603622   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0850788224   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0353807147   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0883544783   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0495512620   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0051185953   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0003400673   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0187283488   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0311275987   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0660918043   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0690126901   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0961757622   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0246237088   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0923404759   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0288775895   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0624782699   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0472976951   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0958240532   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0478451803   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0872152327   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0673234502   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0167969947   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0485017729   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0108484522   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0458597942   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0729651093 02/22/2020 XXXXXX XXXX -12.73% 03/02/2020 XXXXXX XXXX -11.27%
0807012578   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0250616178   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0484252462   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0082394135   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0775480275   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0848901414   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0206504277   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0869104624   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0147276503   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0357768666   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0446767784   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0632163685   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0061627887   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0965799910   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0027206507   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0649999381   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0763354143   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0693582875   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0852820671   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0803617568   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0804200644   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0296321347   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0733897444   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0329887098   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0421965797   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0476095012   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0718872886   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0636867770   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0267487076   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0195728018   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0772659998   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0011223065   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0957037738   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0287850345 02/11/2020 XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0343009539   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0066565164   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0606360004   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0031914111   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0322977121   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0028477011   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0512524979   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0189641240   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0830259665   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0163768883   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0920564109   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0698076187   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0224443300 02/24/2020 XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0578018645   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0660339771   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0063181093   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0722343732   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0790097948   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0527620912   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0356979259   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0214949090   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0177640574   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0789246402   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0322706730   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0327979007   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0494951529   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0252870469   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0861479887   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0075878995   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0918908337   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0986096742   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0430048604   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0543050232   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0565064278   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0727092139   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0389976762   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0482825021   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0404172270   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0596803090   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0880963526   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0575349222   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0180641362   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0443514365   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0651845588   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0311979074   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0111122338   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0391709270   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0991316851   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0397813379   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0448299874 03/15/2020 XXXXXX XXXX 2.94%   XXXXXX $0.00 0.00%
0029402901   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0612453596   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0253531793   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0478034267   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0617713670   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0496416372 02/26/2020 XXXXXX XXXX -9.07%   XXXXXX $0.00 0.00%
0909259206   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0887025718   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0869008815   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0757533368   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0749998744   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0326350931   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0941590921   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0881262118   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0413376277   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0796350178   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0598344899   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0373805812   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0666186753   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0984152521   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0423216499   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0283627866   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0807760889   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0643564506   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0499709015   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0042912109   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0141616590   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0009310433   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0815783276 03/10/2020 XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0891883504   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0614343789   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0330876050   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0508743030   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0054666582   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0688153781   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0574802771   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0904937257   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0992925460   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0758558863   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0567066302 01/23/2020 XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0665003731   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0972480194   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0096428484   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0270305714   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0697169855   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0024666365   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0845535508   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0885074769   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0387255237 02/24/2020 XXXXXX XXXX -3.69%   XXXXXX $0.00 0.00%
0299349768   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0446571853   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0866388863 03/06/2020 XXXXXX XXXX -13.04% 04/29/2020 XXXXXX XXXX -5.22%
0052264422   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0458741351   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0027375279   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0596614185 02/06/2020 XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0121728219   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0229174358   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0900410794   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0907910824   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0507906396   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0839597392   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0287509371   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0265972722   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0551106617   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0732060064   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0407861797   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0572567581   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0905413073   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0111515188   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0290911310   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0815799280   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0040513115   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0987277079   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0486886922   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0066460386   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0788221083   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0150569991   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0773333636   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0654382150   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0257299882   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0833201387   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0623212936   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0216887386   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0595309566   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0006246739   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0143613020   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0892452284   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0875564480   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0400794719   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0151931353   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0972228840   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0186106294   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0564354201   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0970143808   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0109879421   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0147088588   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0975143436 02/05/2020 XXXXXX XXXX -9.65%   XXXXXX $0.00 0.00%
0586695440   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0698879646   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0670241357   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0852748382 01/31/2020 XXXXXX XXXX -10.45% 02/12/2020 XXXXXX XXXX -8.66%
0745820727   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0661933393   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0434461378   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0966930038   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0073568834   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0124118369   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0832406984   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0332825603   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0026931308 02/13/2020 XXXXXX XXXX -9.84%   XXXXXX $0.00 0.00%
0069823872   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0796616278   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0183409537   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0496151433   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0381644460   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0510226110   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0638553428   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0989179353   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0827362803   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0331670106 02/14/2020 XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0176325343   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0772531540   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0883191688   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0935135319   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0509172664   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0387913058   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0941628554   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0811218162   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0638636821   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0239866751   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0652945414   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0653662535   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0213695160   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0838781033   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0516679625   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0776821255   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0493284315   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0055110221   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0250306049   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0263537948   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0649165515   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0152605952   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0773170822   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0090098377   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0067690391   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0995089380   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0020240931   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0527681168   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0716570777   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0691481234   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0517111211   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0212802515   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0502569024   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0031042677   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0139328346   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0409087520   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0168332797   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0401771554   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0534772069   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0853300137   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0175570953   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0976914039 02/25/2020 XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0604718244   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0017438879   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0225929685   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0400517747   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0817087141   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0376949180   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0571251354   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0121920863   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0589770587   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0945332449   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0382923592   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0184084543   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0361062954 02/24/2020 XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0537872862   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0607500115   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0848405652   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0093824078   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0153106253   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0141601558   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0873525496   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0763975052   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0574315880   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0735188950   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0463185065   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0295394512   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0344949400   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0404038797   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0045372676   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0117467289   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0428827678 02/28/2020 XXXXXX XXXX 9.47%   XXXXXX $0.00 0.00%
0060360382   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0388660807   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0184849577   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0479316549   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0658790748   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0595359991   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0893748906   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0772921524   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0820690638   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0580787968   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0528165425   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0628966610   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0673242717   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0470992348   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0441113274   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0412231888   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0837824508   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0463439308   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0480980438   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0143498746   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0268079662   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0302416740   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0405424563   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0051217910   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0692778696   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0296054245   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0693766255   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0317127482   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0761699662   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0982383999   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0793137276   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0415770466   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0501714950   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0510931562   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0913497649   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0119177982   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0219410091   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0204020307   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0124612723   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0423573974   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0633758396   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0086093449   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0586306701   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0357427472   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0118389141   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0457211593   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0849458578   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0881226962   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0536317749   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0902805089   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0060289493   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0342741351   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0205794193   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0119521075   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0704218236   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0092331800   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0351448413   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0966927222   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0233355323   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0956692933   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0851541144   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0483586123   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0635327011   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0574037653   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0224258049   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0952676396   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0144706572   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0722137058   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0252168237   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0950382458   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0959479961   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0885967578   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0712354255   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0051197645 03/07/2020 XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0313465573   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0091549307   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0767833346   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0273589785   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0517043976   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0547685704   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0746534248   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0764334177   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0548469352   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0925216256   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0978099742   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0370797674   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0309305644   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0532294495   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0217886850   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0040730354   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0202345953   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0768373910   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0700768695   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0891984460   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0482601211   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0202412456   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0029201256   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0294313058   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0377470874   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0091942360   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0976171249   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0069149606   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0956538933   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0667700380   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0772988316   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0820694736   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0863735770   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0659371858   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0088488729   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0382968816   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0620963315 04/09/2020 XXXXXX XXXX 0.20%   XXXXXX $0.00 0.00%
0950664319   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0197227847   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0915378242   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0706622870   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0232102532   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0376404004   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0714406094   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0983538365   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0433553551   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0410954749   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0361026646   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0664144213   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0555664563   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0980694010   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0534944349   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0896411322   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0571423561   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0367085192   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0091601491   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0009931046   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0200826751   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0071382981   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0596315097   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0879273427   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0634208653   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0814095225   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0771728646   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0404029043   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0375759553   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0640925264   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0393988829   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0106776327   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0079462421   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0499972963   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0945949703   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0689465985   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0131720101   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0812909615   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0881792887   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0219977465   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0957914529   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0169817285   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0819058018   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0102206851   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0453939203   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0261087678   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0410605347   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0723471326   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0111368640   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0395677022   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0232215406   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0144237327 03/23/2020 XXXXXX XXXX -15.09%   XXXXXX $0.00 0.00%
0370125516   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0522663268   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0973374097   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0984797009   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0542370164   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0933447834   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0605984110   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0546204603   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0426822088   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0520541188   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0918893707   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0773985689   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0712328488   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0298754410   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0565708630   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0693331121   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0010198152   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0821471921   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0923590549   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0802857906   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0997213008   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0975403979   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0535894813   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0365910182   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0187488264   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0925229322   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0146415154   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0639052776   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0490230167   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0294870117   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0653501772   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0839433194   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0889767161   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0519719850   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0072565397   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0044944341   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0519937737   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0113023418   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0419701598   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0433036086   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0108834875   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0132138184   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0867149051   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0270896285   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0975869822   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0989004130   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0715079630   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0807446297   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0420672372   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0911888537   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0339550150   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0554068076   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0626886708   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0520562074   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0715130396   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0412918962   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0673145296   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0636405648 03/30/2020 XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0587971925   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0974393174   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0797935485   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0072126655   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0328916245   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0862463429   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0325676310   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0463171726   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0305104473   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0855732233   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0310086781   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0079429953   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0099697552   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0686090594   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0796220400   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0520364320   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0519255874   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0398569103   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0675142207 03/30/2020 XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0900815225   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0867257622   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0199561455   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0613158755 03/24/2020 XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0552172577   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0513330913   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0151119228   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0337664369   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0809587041   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0199133857   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0783812218   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0011801226   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0663053020   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0471475459   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0167413481   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0506335865   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0120417966   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0614626177   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0628812501 02/28/2020 XXXXXX XXXX 21.88%   XXXXXX $0.00 0.00%
0945694819   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0775699939   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0783238917 02/03/2020 XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0051460754   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0474630771   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0808185458   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0551536361   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0768946622   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0666036899   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0972883650   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0358894362   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0771917210   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0547163489   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0196690801   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0459025494   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0666729178   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0640700103   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0168152019   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0306363148   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0228714371   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0711395015   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0918265848   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0155390259   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0974682305   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0351891074   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0226675848 02/05/2020 XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0565604886   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0076806311   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0392914442   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0067751252   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0426143530   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0606553012   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0115423239   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0722315217   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0707146928   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0971600082 01/30/2020 XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0767204093   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0229802107   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0412998769   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0126812109   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0913486634   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0509924530   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%
0083121188   XXXXXX $0.00 0.00%   XXXXXX $0.00 0.00%

 

  1004 SFR (Mar 05) 2055 Ext Only (Mar 05)
Alt Loan Number Report Date Value Variance Amount Variance (%) Report Date Report Value Variance Amount Variance (%)
0575918361   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0267055387   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0983065273   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0011090965   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0127206157   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0327877533   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0934738705   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0931076935   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0987760059   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0519746633   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0637415947   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0435659717   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0647979235   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0301537992   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0126289714   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0548410117   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0815077268   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0105102761   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0424196930   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0376690722   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0203513337   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0522989695   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0132647272   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0256142017   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0321626720   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0981461070   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0637451753   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0273235950   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0751916311   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0889562205   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0427189068   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0857947782   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0256677040   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0239784238   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0047945810   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0835736938   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0492688172   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0755217415   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0211403208   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0891574501   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0760685769   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0909460216   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0766577444   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0689253110   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0635653804   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0647316966   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0114331938   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0410705318   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0316095343   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0638274677   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0869229098   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0775806797   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0086555443   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0691861716   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0447436545   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0019747202   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0614080412   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0828617078   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0315183647   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0066468618   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0587257289   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0661479127   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0579183155   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0960463516   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0382848649   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0781117886   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
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0565708630   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0693331121   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0010198152   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0821471921   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0923590549   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0802857906   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0997213008   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0975403979   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0535894813   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0365910182   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0187488264   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0925229322   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0146415154   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0639052776   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0490230167   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0294870117   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0653501772   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0839433194   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0889767161   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0519719850   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0072565397   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0044944341   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0519937737   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0113023418   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0419701598   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0433036086   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0108834875   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0132138184   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0867149051   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0270896285   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0975869822   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0989004130   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0715079630   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0807446297   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0420672372   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0911888537   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0339550150   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0554068076   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0626886708   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0520562074   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0715130396   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0412918962   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0673145296   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0636405648   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0587971925   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0974393174   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0797935485   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0072126655   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0328916245   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0862463429   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0325676310   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0463171726   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0305104473   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0855732233   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0310086781   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0079429953   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0099697552   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0686090594   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0796220400   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0520364320   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0519255874   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0398569103   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0675142207   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0900815225   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0867257622   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0199561455   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0613158755   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0552172577   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0513330913   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0151119228   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0337664369   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0809587041   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0199133857   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0783812218   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0011801226   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0663053020   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0471475459   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0167413481   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0506335865   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0120417966   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0614626177   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0628812501   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0945694819   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0775699939   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0783238917   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0051460754   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0474630771   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0808185458   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0551536361   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0768946622   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0666036899   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0972883650   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0358894362   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0771917210   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0547163489   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0196690801   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0459025494   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0666729178   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0640700103   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0168152019   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0306363148   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0228714371   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0711395015   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0918265848   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0155390259   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0974682305   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0351891074   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0226675848   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0565604886   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0076806311   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0392914442   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0067751252   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0426143530   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0606553012   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0115423239   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0722315217   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0707146928   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0971600082   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0767204093   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0229802107   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0412998769   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0126812109   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0913486634   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0509924530   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0083121188   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%

 

  BPO (Broker Price Opinion) Other AUS Information
Alt Loan Number Report Date Value Variance Amount Variance (%) Other - Valuation Type Report Date Value Variance Amount Variance (%) CU Score
0575918361   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0267055387   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0983065273   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0011090965   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0127206157   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0327877533   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0934738705   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0931076935   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0987760059   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0519746633   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0637415947   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0435659717   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0647979235   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0301537992   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0126289714   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0548410117   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0815077268   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0105102761   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0424196930   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0376690722   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0203513337   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0522989695   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0132647272   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0256142017   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0321626720   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0981461070   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0637451753   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0273235950   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0751916311   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0889562205   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0427189068   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0857947782   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0256677040   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0239784238   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0047945810   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0835736938   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0492688172   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0755217415   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0211403208   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0891574501   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0760685769   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0909460216   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0766577444   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0689253110   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0635653804   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0647316966   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0114331938   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0410705318   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0316095343   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0638274677   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0869229098   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0775806797   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0086555443   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0691861716   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0447436545   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0019747202   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0614080412   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0828617078   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0315183647   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0066468618   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0587257289   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0661479127   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0579183155   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0960463516   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0382848649   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0781117886   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0454239372   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0212460273   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0282248105   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0149938256   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0280951264   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0152026361   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0934228442   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0513436141   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0665965148   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0676241009   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0140413073   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0248562007   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0902138430   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0842481485   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0946724327   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0184294920   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0390131541   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0165335792   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0439570908   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0592916616   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0566403744   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0733569252   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0128603622   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0850788224   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0353807147   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0883544783   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0495512620   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0051185953   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0003400673   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0187283488   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0311275987   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0660918043   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0690126901   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0961757622   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0246237088   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0923404759   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0288775895   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0624782699   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0472976951   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0958240532   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0478451803   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0872152327   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0673234502   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0167969947   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0485017729   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0108484522   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0458597942   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0729651093   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0807012578   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0250616178   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0484252462   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0082394135   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0775480275   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0848901414   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0206504277   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0869104624   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0147276503   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0357768666   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0446767784   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0632163685   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0061627887   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0965799910   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0027206507   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0649999381   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0763354143   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0693582875   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0852820671   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0803617568   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0804200644   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0296321347   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0733897444   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0329887098   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0421965797   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0476095012   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0718872886   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0636867770   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0267487076   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0195728018   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0772659998   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0011223065   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0957037738   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0287850345   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0343009539   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0066565164   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0606360004   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0031914111   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0322977121   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0028477011   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0512524979   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0189641240   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0830259665   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0163768883   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0920564109   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0698076187   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0224443300   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0578018645   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0660339771   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0063181093   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0722343732   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0790097948   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0527620912   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0356979259   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0214949090   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0177640574   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0789246402   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0322706730   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0327979007   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0494951529   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0252870469   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0861479887   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0075878995   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0918908337   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0986096742   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0430048604   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0543050232   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0565064278   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0727092139   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0389976762   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0482825021   $0.00 $0.00 0.00% Reconciliation 03/24/2020 XXXXXX $0.00 0.00%  
0404172270   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0596803090   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0880963526   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0575349222   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0180641362   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0443514365   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0651845588   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0311979074   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0111122338   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0391709270   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0991316851   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0397813379   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0448299874   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0029402901   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0612453596   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0253531793   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0478034267   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0617713670   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0496416372   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0909259206   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0887025718   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0869008815   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0757533368   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0749998744   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0326350931   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0941590921   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0881262118   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0413376277   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0796350178   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0598344899   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0373805812   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0666186753   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0984152521   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0423216499   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0283627866   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0807760889   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0643564506   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0499709015   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0042912109   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0141616590   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0009310433   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0815783276   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0891883504   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0614343789   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0330876050   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0508743030   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0054666582   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0688153781   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0574802771   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0904937257   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0992925460   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0758558863   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0567066302   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0665003731   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0972480194   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0096428484   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0270305714   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0697169855   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0024666365   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0845535508   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0885074769   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0387255237   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0299349768   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0446571853   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0866388863   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0052264422   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0458741351   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0027375279   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0596614185   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0121728219   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0229174358   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0900410794   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0907910824   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0507906396   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0839597392   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0287509371   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0265972722   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0551106617   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0732060064   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0407861797   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0572567581   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0905413073   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0111515188   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0290911310   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0815799280   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0040513115   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0987277079   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0486886922   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0066460386   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0788221083   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0150569991   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0773333636   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0654382150   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0257299882   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0833201387   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0623212936   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0216887386   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0595309566   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0006246739   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0143613020   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0892452284   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0875564480   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0400794719   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0151931353   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0972228840   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0186106294   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0564354201   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0970143808   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0109879421   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0147088588   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0975143436   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0586695440   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0698879646   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0670241357   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0852748382   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0745820727   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0661933393   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0434461378   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0966930038   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0073568834   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0124118369   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0832406984   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0332825603   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0026931308   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0069823872   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0796616278   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0183409537   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0496151433   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0381644460   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0510226110   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0638553428   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0989179353   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0827362803   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0331670106   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0176325343   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0772531540   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0883191688   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0935135319   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0509172664   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0387913058   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0941628554   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0811218162   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0638636821   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0239866751   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0652945414   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0653662535   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0213695160   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0838781033   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0516679625   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0776821255   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0493284315   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0055110221   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0250306049   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0263537948   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0649165515   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0152605952   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0773170822   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0090098377   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0067690391   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0995089380   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0020240931   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0527681168   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0716570777   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0691481234   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0517111211   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0212802515   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0502569024   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0031042677   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0139328346   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0409087520   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0168332797   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0401771554   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0534772069   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0853300137   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0175570953   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0976914039   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0604718244   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0017438879   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0225929685   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0400517747   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0817087141   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0376949180   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0571251354   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0121920863   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0589770587   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0945332449   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0382923592   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0184084543   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0361062954   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0537872862   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0607500115   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0848405652   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0093824078   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0153106253   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0141601558   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0873525496   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0763975052   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0574315880   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0735188950   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0463185065   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0295394512   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0344949400   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0404038797   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0045372676   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0117467289   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0428827678   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0060360382   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0388660807   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0184849577   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0479316549   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0658790748   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0595359991   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0893748906   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0772921524   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0820690638   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0580787968   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0528165425   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0628966610   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0673242717   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0470992348   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0441113274   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0412231888   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0837824508   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0463439308   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0480980438   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0143498746   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0268079662   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0302416740   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0405424563   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0051217910   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0692778696   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0296054245   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0693766255   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0317127482   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0761699662   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0982383999   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0793137276   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0415770466   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0501714950   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0510931562   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0913497649   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0119177982   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0219410091   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0204020307   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0124612723   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0423573974   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0633758396   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0086093449   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0586306701   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0357427472   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0118389141   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0457211593   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0849458578   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0881226962   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0536317749   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0902805089   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0060289493   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0342741351   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0205794193   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0119521075   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0704218236   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0092331800   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0351448413   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0966927222   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0233355323   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0956692933   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0851541144   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0483586123   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0635327011   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0574037653   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0224258049   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0952676396   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0144706572   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0722137058   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0252168237   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0950382458   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0959479961   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0885967578   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0712354255   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0051197645   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0313465573   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0091549307   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0767833346   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0273589785   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0517043976   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0547685704   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0746534248   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0764334177   $0.00 $0.00 0.00% Reconciliation 03/26/2020 XXXXXX XXXX -2.47%  
0548469352   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0925216256   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0978099742   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0370797674   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0309305644   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0532294495   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0217886850   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0040730354   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0202345953   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0768373910   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0700768695   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0891984460   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0482601211   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0202412456   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0029201256   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0294313058   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0377470874   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0091942360   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0976171249   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0069149606   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0956538933   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0667700380   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0772988316   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0820694736   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0863735770   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0659371858   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0088488729   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0382968816   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0620963315   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0950664319   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0197227847   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0915378242   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0706622870   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0232102532   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0376404004   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0714406094   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0983538365   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0433553551   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0410954749   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0361026646   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0664144213   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0555664563   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0980694010   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0534944349   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0896411322   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0571423561   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0367085192   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0091601491   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0009931046   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0200826751   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0071382981   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0596315097   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0879273427   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0634208653   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0814095225   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0771728646   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0404029043   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0375759553   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0640925264   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0393988829   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0106776327   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0079462421   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0499972963   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0945949703   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0689465985   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0131720101   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0812909615   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0881792887   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0219977465   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0957914529   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0169817285   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0819058018   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0102206851   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0453939203   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0261087678   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0410605347   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0723471326   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0111368640   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0395677022   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0232215406   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0144237327   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0370125516   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0522663268   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0973374097   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0984797009   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0542370164   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0933447834   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0605984110   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0546204603   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0426822088   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0520541188   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0918893707   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0773985689   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0712328488   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0298754410   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0565708630   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0693331121   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0010198152   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0821471921   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0923590549   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0802857906   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0997213008   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0975403979   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0535894813   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0365910182   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0187488264   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0925229322   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0146415154   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0639052776   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0490230167   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0294870117   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0653501772   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0839433194   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0889767161   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0519719850   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0072565397   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0044944341   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0519937737   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0113023418   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0419701598   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0433036086   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0108834875   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0132138184   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0867149051   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0270896285   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0975869822   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0989004130   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0715079630   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0807446297   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0420672372   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0911888537   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0339550150   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0554068076   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0626886708   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0520562074   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0715130396   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0412918962   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0673145296   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
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0305104473   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0855732233   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
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0686090594   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0796220400   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
0520364320   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
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0398569103   $0.00 $0.00 0.00%     XXXXXX $0.00 0.00%  
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EX-99.5 6 tm2023321d1_ex99-5.htm CLAYTON CONDITIONS REPORT

 

Exhibit 99.5

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-3
Start - End Dates: 2/2017-6/2020
Deal Loan Count: 693
   
               
Conditions Report 2.0        
               
Loans in Report: 693        
Loans with Conditions: 394        

 

150 - Total Active Conditions
  2 - Material Conditions
      2 - Property Valuations Review Scope
          2 - Category: Value
  148 - Non-Material Conditions
      110 - Credit Review Scope
          2 - Category: Application
          24 - Category: Assets
          34 - Category: Credit/Mtg History
          1 - Category: DTI
          8 - Category: Income/Employment
          1 - Category: Legal Documents
          10 - Category: LTV/CLTV
          30 - Category: Terms/Guidelines
      7 - Property Valuations Review Scope
          4 - Category: Appraisal
          1 - Category: FEMA
          2 - Category: Property
      31 - Compliance Review Scope
          4 - Category: Borrower's Interest
          2 - Category: Compliance Manual
          1 - Category: Repayment Ability
          5 - Category: RESPA
          14 - Category: Right of Rescission 
          1 - Category: State Consumer Protection
          4 - Category: TILA/RESPA Integrated Disclosure
424 - Total Satisfied Conditions
             
      59 - Credit Review Scope
          2 - Category: Application
          2 - Category: Assets
          4 - Category: Credit/Mtg History
          6 - Category: DTI
          8 - Category: Income/Employment
          1 - Category: Insurance
          35 - Category: Legal Documents
          1 - Category: LTV/CLTV
      29 - Property Valuations Review Scope
          1 - Category: Appraisal
          28 - Category: Value
      336 - Compliance Review Scope
          35 - Category: Ability to Repay/Qualified Mortgage
          3 - Category: Documentation
          16 - Category: Finance Charge Tolerance
          21 - Category: Right of Rescission 
          1 - Category: State Consumer Protection
          2 - Category: Texas Home Equity
          258 - Category: TILA/RESPA Integrated Disclosure
0 - Total Waived Conditions

 

©2020 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

 

 

 

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-3
Start - End Dates: 2/2017-6/2020
Deal Loan Count: 693
   
                                                 
Conditions Report 2.0                                              
                                                 
Loans in Report: 693                                              
Loans with Conditions: 394                                              

 

Alt Loan Number Original Principal Balance State Initial Lender ATR/QM Status Loan Level ATR/QM Status Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade
0575918361 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B
0267055387 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0983065273 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0011090965 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0011090965 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0127206157 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B
0327877533 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C A A A
0934738705 XXXXXX AK QM: Safe Harbor QM: Safe Harbor C B B B
0934738705 XXXXXX AK QM: Safe Harbor QM: Safe Harbor C B B B
0934738705 XXXXXX AK QM: Safe Harbor QM: Safe Harbor C B B B
0931076935 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0987760059 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0987760059 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0519746633 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0637415947 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0435659717 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0647979235 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0301537992 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0126289714 XXXXXX UT QM: Safe Harbor QM: Safe Harbor B B B B
0548410117 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A
0815077268 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0105102761 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0424196930 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A
0376690722 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0203513337 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C B B B
0203513337 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C B B B
0522989695 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0132647272 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0256142017 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A
0321626720 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0981461070 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0637451753 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0273235950 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0751916311 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A D A
0751916311 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A D A
0889562205 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0427189068 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0857947782 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B B B
0857947782 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B B B
0256677040 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0239784238 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0047945810 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0835736938 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0492688172 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0755217415 XXXXXX IL QM: Safe Harbor QM: Safe Harbor C B A A
0755217415 XXXXXX IL QM: Safe Harbor QM: Safe Harbor C B A A
0211403208 XXXXXX MN QM: Safe Harbor QM: Safe Harbor C A A A
0891574501 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0760685769 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0909460216 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A
0766577444 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B
0766577444 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B
0766577444 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B
0766577444 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B
0766577444 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B
0689253110 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D B D A
0689253110 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D B D A
0689253110 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D B D A
0635653804 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0647316966 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A
0114331938 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0410705318 XXXXXX UT QM: Safe Harbor QM: Safe Harbor D A D A
0410705318 XXXXXX UT QM: Safe Harbor QM: Safe Harbor D A D A
0316095343 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0638274677 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0869229098 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A
0775806797 XXXXXX DC QM: Safe Harbor QM: Safe Harbor B B B B
0086555443 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A
0691861716 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B
0691861716 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B
0447436545 XXXXXX DE QM: Safe Harbor QM: Safe Harbor A A A A
0019747202 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0614080412 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A
0828617078 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0315183647 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0066468618 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0066468618 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0587257289 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0661479127 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0579183155 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0960463516 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0382848649 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A
0781117886 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0454239372 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0212460273 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B
0212460273 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B
0212460273 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B
0212460273 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B
0212460273 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B
0282248105 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0149938256 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0149938256 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0149938256 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0149938256 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0280951264 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0152026361 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0934228442 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B
0934228442 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B
0513436141 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0665965148 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0676241009 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0140413073 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0248562007 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0902138430 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0842481485 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0946724327 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B A A
0184294920 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0390131541 XXXXXX WI QM: Safe Harbor QM: Safe Harbor C B A A
0390131541 XXXXXX WI QM: Safe Harbor QM: Safe Harbor C B A A
0165335792 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0439570908 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B
0592916616 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0566403744 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0733569252 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0128603622 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0850788224 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0353807147 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0883544783 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0495512620 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0051185953 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A
0003400673 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0003400673 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0003400673 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0003400673 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0187283488 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0311275987 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0660918043 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0690126901 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0961757622 XXXXXX CT QM: Safe Harbor QM: Safe Harbor A A A A
0246237088 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0923404759 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0288775895 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0624782699 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0624782699 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0624782699 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0624782699 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0472976951 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B
0472976951 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B
0472976951 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B
0472976951 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B
0958240532 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A
0478451803 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0872152327 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0872152327 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0673234502 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0167969947 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0485017729 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0108484522 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0108484522 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0108484522 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0458597942 XXXXXX IA QM: Safe Harbor QM: Safe Harbor A A A A
0729651093 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C C A A
0807012578 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0250616178 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B
0484252462 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0082394135 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B B
0082394135 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B B
0775480275 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0848901414 XXXXXX MI QM: Safe Harbor QM: Safe Harbor B B A A
0206504277 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A
0869104624 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0147276503 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0147276503 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0357768666 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A
0446767784 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0632163685 XXXXXX HI QM: Safe Harbor QM: Safe Harbor A A A A
0061627887 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0965799910 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0027206507 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0649999381 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A
0649999381 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A
0763354143 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0693582875 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
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0653501772 A A D A D B D B
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0797935485 A A A A B B B B
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0862463429 A A A A A A A A
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0686090594 A A A A A A A A
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0509924530 A A A A A A A A
0083121188 A A C B C B A A

 

Alt Loan Number 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
0575918361 A A A A Credit LTV/CLTV Active
0267055387 A A A A      
0983065273 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0011090965 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0011090965 A A A A Credit Income/Employment Active
0127206157 A A A A Credit Credit/Mtg History Active
0327877533 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0934738705 A A C A Compliance Finance Charge Tolerance Satisfied
0934738705 A A C A Compliance Finance Charge Tolerance Satisfied
0934738705 A A C A Credit Terms/Guidelines Active
0931076935 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0987760059 A A A A Credit Credit/Mtg History Active
0987760059 A A A A Credit Credit/Mtg History Active
0519746633 A A A A      
0637415947 A A A A Credit Credit/Mtg History Satisfied
0435659717 A A A A      
0647979235 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0301537992 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0126289714 A A A A Credit Credit/Mtg History Active
0548410117 A A A A      
0815077268 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0105102761 A A A A      
0424196930 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0376690722 A A A A      
0203513337 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0203513337 A A C A Credit Income/Employment Active
0522989695 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0132647272 A A A A      
0256142017 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0321626720 A A A A      
0981461070 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0637451753 A A A A      
0273235950 A A A A Credit Credit/Mtg History Active
0751916311 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0751916311 A A D A Credit Income/Employment Satisfied
0889562205 A A A A      
0427189068 A A A A      
0857947782 B B A A Credit Credit/Mtg History Active
0857947782 B B A A Property Valuations Appraisal Active
0256677040 A A A A      
0239784238 A A A A      
0047945810 A A A A      
0835736938 A A A A      
0492688172 A A A A      
0755217415 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0755217415 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0211403208 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0891574501 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0760685769 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0909460216 A A A A      
0766577444 A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied
0766577444 A A D B Compliance Right of Rescission  Active
0766577444 A A D B Credit Credit/Mtg History Active
0766577444 A A D B Credit Income/Employment Satisfied
0766577444 A A D B Credit Income/Employment Satisfied
0689253110 B B C A Compliance Right of Rescission  Satisfied
0689253110 B B C A Credit Legal Documents Satisfied
0689253110 B B C A Property Valuations FEMA Active
0635653804 A A A A      
0647316966 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0114331938 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0410705318 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0410705318 A A D A Credit Legal Documents Satisfied
0316095343 A A A A      
0638274677 A A A A      
0869229098 A A A A      
0775806797 A A A A Credit Credit/Mtg History Active
0086555443 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0691861716 A A A A Credit Assets Active
0691861716 A A A A Credit Credit/Mtg History Satisfied
0447436545 A A A A      
0019747202 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0614080412 D A A A Property Valuations Appraisal Satisfied
0828617078 A A A A      
0315183647 A A A A Credit Credit/Mtg History Active
0066468618 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0066468618 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0587257289 A A A A      
0661479127 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0579183155 A A A A      
0960463516 A A A A      
0382848649 A A A A      
0781117886 A A A A      
0454239372 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0212460273 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0212460273 A A D A Compliance Finance Charge Tolerance Satisfied
0212460273 A A D A Compliance Finance Charge Tolerance Satisfied
0212460273 A A D A Credit DTI Active
0212460273 A A D A Credit Legal Documents Satisfied
0282248105 A A A A      
0149938256 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0149938256 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0149938256 A A D A Credit Legal Documents Satisfied
0149938256 A A D A Credit Terms/Guidelines Active
0280951264 A A A A      
0152026361 A A B B Compliance Right of Rescission  Active
0934228442 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0934228442 A A C A Credit Credit/Mtg History Active
0513436141 A A A A      
0665965148 A A A A      
0676241009 A A A A      
0140413073 A A A A      
0248562007 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0902138430 C A A A Property Valuations Value Satisfied
0842481485 A A A A      
0946724327 A A B B Compliance Borrower's Interest Active
0184294920 A A A A      
0390131541 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0390131541 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0165335792 A A A A      
0439570908 A A A A Credit Terms/Guidelines Active
0592916616 A A A A      
0566403744 A A A A Credit Assets Active
0733569252 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0128603622 A A A A      
0850788224 A A A A      
0353807147 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0883544783 A A A A      
0495512620 A A A A      
0051185953 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0003400673 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0003400673 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0003400673 A A D A Credit Assets Active
0003400673 A A D A Credit Legal Documents Satisfied
0187283488 A A A A      
0311275987 A A A A      
0660918043 A A C B Compliance Right of Rescission  Satisfied
0690126901 A A A A      
0961757622 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0246237088 A A A A      
0923404759 A A A A      
0288775895 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0624782699 A A B B Compliance Finance Charge Tolerance Satisfied
0624782699 A A B B Compliance Finance Charge Tolerance Satisfied
0624782699 A A B B Compliance Right of Rescission  Active
0624782699 A A B B Credit Terms/Guidelines Active
0472976951 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0472976951 A A D A Credit Credit/Mtg History Active
0472976951 A A D A Credit DTI Satisfied
0472976951 A A D A Credit Income/Employment Active
0958240532 A A A A      
0478451803 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0872152327 A A A A Credit Credit/Mtg History Active
0872152327 A A A A Credit Terms/Guidelines Active
0673234502 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0167969947 A A A A Credit Terms/Guidelines Active
0485017729 A A A A      
0108484522 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0108484522 A A D A Credit Legal Documents Satisfied
0108484522 A A D A Credit Legal Documents Satisfied
0458597942 A A A A      
0729651093 C C A A Property Valuations Value Active
0807012578 A A A A      
0250616178 A A A A Credit Terms/Guidelines Active
0484252462 A A B B Compliance Right of Rescission  Active
0082394135 A A D A Compliance Documentation Satisfied
0082394135 A A D A Credit Terms/Guidelines Active
0775480275 A A A A      
0848901414 A A B B Compliance State Consumer Protection Active
0206504277 A A A A      
0869104624 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0147276503 A A A A Credit LTV/CLTV Active
0147276503 A A A A Credit Terms/Guidelines Active
0357768666 A A A A      
0446767784 A A A A      
0632163685 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0061627887 A A A A      
0965799910 A A A A      
0027206507 A A A A      
0649999381 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0649999381 A A D A Credit DTI Satisfied
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0433553551 A A A A      
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0689465985 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
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0010198152 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0821471921 A A A A      
0923590549 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0802857906 A A A A      
0997213008 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
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0535894813 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0365910182 A A A A      
0187488264 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0925229322 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0146415154 A A A A      
0639052776 A A A A      
0490230167 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
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0519937737 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
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0419701598 A A A A      
0433036086 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0108834875 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0132138184 A A A A Credit Application Satisfied
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0867149051 B B C A Compliance Finance Charge Tolerance Satisfied
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0715079630 A A A A      
0807446297 A A A A      
0420672372 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
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0339550150 A A A A      
0554068076 A A A A      
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0636405648 C A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
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0325676310 A A A A      
0463171726 A A A A      
0305104473 A A A A      
0855732233 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0310086781 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
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0686090594 A A A A      
0796220400 A A A A      
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0552172577 A A B B Compliance TILA/RESPA Integrated Disclosure Active
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0513330913 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0151119228 A A A A      
0337664369 A A C B Compliance Right of Rescission  Satisfied
0337664369 A A C B Compliance Right of Rescission  Satisfied
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0199133857 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
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0783812218 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0783812218 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
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0663053020 A A A A Credit Assets Active
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0120417966 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0614626177 A A A A      
0628812501 C A A A Property Valuations Value Satisfied
0945694819 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0945694819 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0775699939 A A A A      
0783238917 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0783238917 C A A A Property Valuations Value Satisfied
0051460754 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0474630771 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0808185458 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0551536361 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0768946622 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0666036899 A A A A      
0972883650 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0972883650 A A D A Credit DTI Satisfied
0358894362 A A A A      
0771917210 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0547163489 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0196690801 A A B B Compliance Right of Rescission  Active
0459025494 A A A A      
0666729178 A A A A      
0640700103 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0168152019 A A A A      
0306363148 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0306363148 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0228714371 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0711395015 A A A A      
0918265848 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0155390259 A A A A      
0974682305 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0974682305 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
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0351891074 A A B B Compliance RESPA Active
0226675848 C A A A Property Valuations Value Satisfied
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0076806311 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0392914442 A A A A      
0067751252 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0426143530 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0606553012 A A A A      
0115423239 A A A A      
0722315217 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0722315217 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0707146928 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0971600082 C A B B Compliance Right of Rescission  Active
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0767204093 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0767204093 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0229802107 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0412998769 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0126812109 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0913486634 A A A A      
0509924530 A A A A      
0083121188 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied

 

Alt Loan Number 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
0575918361 B B B B CRDLTV3024 LTV Exceeds Guideline Requirement by less than 5% No
0267055387              
0983065273 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0011090965 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0011090965 B B B B CRDINC150 Income docs do not meet guidelines No
0127206157 B B B B CRDCRMH119 Consumer lates exceed guidelines No
0327877533 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0934738705 C A C A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No
0934738705 C A C A CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No
0934738705 B B B B CRDTER3262 Property issues indicated No
0931076935 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0987760059 B B B B CRDCRMH104 Credit score below guidelines No
0987760059 B B B B CRDCRMH120 Collections, charge offs, liens, etc. exceed guidelines No
0519746633              
0637415947 D A D A CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No
0435659717              
0647979235 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0301537992 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0126289714 B B B B CRDCRMH104 Credit score below guidelines No
0548410117              
0815077268 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0105102761              
0424196930 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0376690722              
0203513337 C A C A 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
0203513337 B B B B CRDINC150 Income docs do not meet guidelines No
0522989695 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0132647272              
0256142017 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0321626720              
0981461070 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0637451753              
0273235950 B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No
0751916311 D A D A 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
0751916311 D A D A CRDINC2408 Income verification does not meet guidelines No
0889562205              
0427189068              
0857947782 B B B B CRDCRMH104 Credit score below guidelines No
0857947782 B B B B PRVAAPPR237 Appraisal is stale dated without recertification in file No
0256677040              
0239784238              
0047945810              
0835736938              
0492688172              
0755217415 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0755217415 C B C B 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
0211403208 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0891574501 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0760685769 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0909460216              
0766577444 D A D A 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
0766577444 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No
0766577444 B B B B CRDCRMH104 Credit score below guidelines No
0766577444 C A C A CRDINC150 Income docs do not meet guidelines No
0766577444 D A D A CRDINC3204 Income Documentation Missing No
0689253110 C A C A CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No
0689253110 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0689253110 B B B B PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No
0635653804              
0647316966 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0114331938 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0410705318 D A D A 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
0410705318 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0316095343              
0638274677              
0869229098              
0775806797 B B B B CRDCRMH104 Credit score below guidelines No
0086555443 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0691861716 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0691861716 C A C A CRDCRMH148 Credit report stale dated at closing No
0447436545              
0019747202 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0614080412 D A D A PRVAAPPR237 Appraisal is stale dated without recertification in file No
0828617078              
0315183647 B B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit No
0066468618 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0066468618 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0587257289              
0661479127 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0579183155              
0960463516              
0382848649              
0781117886              
0454239372 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0212460273 D A D A 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
0212460273 A A A A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No
0212460273 A A A A CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No
0212460273 B B B B CRDDTI105 Debt Ratio Exception 5% or Less No
0212460273 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0282248105              
0149938256 D A D A 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
0149938256 C A C A CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No
0149938256 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0149938256 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0280951264              
0152026361 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No
0934228442 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0934228442 B B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit No
0513436141              
0665965148              
0676241009              
0140413073              
0248562007 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0902138430 C A C A PRVAVALU5249 Property Value Not Supported No
0842481485              
0946724327 B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No
0184294920              
0390131541 C A C A 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
0390131541 C B C B CMPTRID5251 TRID - CD: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Annual Property Costs disclosed in the No Escrow section in Loan Disclosures No
0165335792              
0439570908 B B B B CRDTER3262 Property issues indicated No
0592916616              
0566403744 B B B B CRDAST115 Cash reserves do not meet guidelines No
0733569252 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0128603622              
0850788224              
0353807147 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0883544783              
0495512620              
0051185953 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0003400673 D A D A 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
0003400673 A A A A CMPTRID5251 TRID - CD: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Annual Property Costs disclosed in the No Escrow section in Loan Disclosures No
0003400673 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0003400673 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0187283488              
0311275987              
0660918043 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0690126901              
0961757622 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0246237088              
0923404759              
0288775895 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0624782699 B B B B CMPFINT109 Finance charge understated by more than  $35 (Pmt Stream) No
0624782699 B B B B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No
0624782699 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No
0624782699 B B B B CRDTER109 Cash Out Amount Exceeds Guidelines No
0472976951 D A D A 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
0472976951 B B B B CRDCRMH118 Mortgage/rental lates exceed guidelines No
0472976951 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No
0472976951 B B B B CRDINC2488 Verbal verification of employment missing No
0958240532              
0478451803 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0872152327 B B B B CRDCRMH148 Credit report stale dated at closing No
0872152327 B B B B CRDTER109 Cash Out Amount Exceeds Guidelines No
0673234502 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0167969947 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0485017729              
0108484522 D A D A 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
0108484522 B A B A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0108484522 D A D A CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No
0458597942              
0729651093 C C C C PRVAVALU5249 Property Value Not Supported Yes
0807012578              
0250616178 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0484252462 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No
0082394135 D A D A CMPDOC806 Notary Status is missing No
0082394135 B B B B CRDTER3262 Property issues indicated No
0775480275              
0848901414 B B B B CMPSTCP4383 MI Home Loan - No Evidence that Michigan Home Loan Toolkit was delivered to the borrower No
0206504277              
0869104624 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0147276503 B B B B CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10% No
0147276503 B B B B CRDTER110 Loan amount exceeds guideline maximum No
0357768666              
0446767784              
0632163685 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0061627887              
0965799910              
0027206507              
0649999381 D A D A 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
0649999381 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No
0763354143 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0693582875              
0852820671 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0803617568              
0804200644              
0296321347 C A C A CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No
0296321347 B B B B CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10% No
0733897444              
0329887098              
0421965797              
0476095012              
0718872886              
0636867770 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0267487076 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0195728018              
0772659998 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0011223065 C A C A CRDINC150 Income docs do not meet guidelines No
0011223065 C A C A CRDINC2488 Verbal verification of employment missing No
0957037738 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0287850345 C A C A PRVAVALU5249 Property Value Not Supported No
0343009539              
0066565164              
0606360004 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0031914111 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0322977121 C A C A CMPTRID5152 TRID - CD: Monthly Non-Escrowed Amount in Projected Payments is inconsistent with annual cost in the Loan Disclosures section No
0028477011 B B B B CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10% No
0512524979              
0189641240              
0830259665              
0163768883 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0920564109              
0698076187 C A C A CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No
0224443300 D A D A 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
0224443300 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0224443300 C A C A PRVAVALU5249 Property Value Not Supported No
0578018645 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No
0660339771              
0063181093 B B B B CRDTER3262 Property issues indicated No
0722343732 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0790097948              
0527620912 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0527620912 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0356979259              
0214949090              
0177640574 B B B B CRDAST2354 Asset Verification In File is Incomplete Per Requirements No
0789246402 B B B B CRDTER3262 Property issues indicated No
0322706730 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0327979007              
0494951529 C B C B CMPTRID3646 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No
0252870469 C A C A 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
0861479887              
0075878995              
0918908337 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0986096742 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0430048604              
0543050232              
0565064278 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0565064278 B B B B CRDAPP3822 Missing or incomplete documentation related to citizenship/residency No
0727092139 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0389976762 B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No
0389976762 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No
0389976762 C A C A CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0482825021 C A C A PRVAVALU5249 Property Value Not Supported No
0404172270 D A D A 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
0404172270 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0596803090              
0880963526 B B B B CRDAST2354 Asset Verification In File is Incomplete Per Requirements No
0575349222 C A C A CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No
0180641362              
0443514365 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0651845588 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0311979074              
0111122338              
0391709270 D A D A 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
0391709270 B A B A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0991316851 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0397813379 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No
0448299874 C A C A PRVAVALU5249 Property Value Not Supported No
0029402901 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0029402901 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0612453596 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0253531793 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0253531793 D B D B PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No
0478034267              
0617713670 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0496416372 C A C A PRVAVALU5249 Property Value Not Supported No
0909259206 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0887025718              
0869008815              
0757533368              
0749998744              
0326350931 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0941590921              
0881262118              
0413376277 A A A A CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No
0796350178              
0598344899 B B B B CRDLTV3024 LTV Exceeds Guideline Requirement by less than 5% No
0373805812 D A D A 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
0373805812 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No
0666186753              
0984152521 A A A A CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No
0984152521 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0423216499 B B B B CRDINC890 Employment is Unsupported by Documentation in File No
0283627866 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0807760889 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0643564506 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0643564506 C A C A CMPTRID3750 TRID - Error #10 discovered on Closing Disclosure No
0499709015              
0042912109 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0141616590              
0009310433 D A D A 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
0009310433 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No
0009310433 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0815783276 C A C A PRVAVALU5249 Property Value Not Supported No
0891883504 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0891883504 B B B B CRDAST2670 Asset documentation is insufficient per guideline requirements No
0614343789              
0330876050              
0508743030              
0054666582 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0688153781              
0574802771 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0904937257              
0992925460 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0992925460 B B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit No
0758558863              
0567066302 D A D A 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
0567066302 D A D A CRDAPP3822 Missing or incomplete documentation related to citizenship/residency No
0567066302 B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No
0567066302 D A D A CRDINC2408 Income verification does not meet guidelines No
0567066302 C A C A PRVAVALU5249 Property Value Not Supported No
0665003731              
0972480194              
0096428484              
0270305714              
0697169855 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0024666365              
0845535508 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0845535508 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0845535508 D A D A CRDINC3204 Income Documentation Missing No
0885074769              
0387255237 C A C A PRVAVALU5249 Property Value Not Supported No
0299349768 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0446571853              
0866388863 D A D A 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
0866388863 C A C A CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0866388863 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0866388863 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0866388863 C A C A PRVAVALU5249 Property Value Not Supported No
0052264422 B B B B CRDTER3262 Property issues indicated No
0458741351              
0027375279 C A C A CMPROR117 ROR - Expiration date on form prior to end of rescission period No
0596614185 B B B B CRDCRMH104 Credit score below guidelines No
0596614185 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0596614185 C A C A PRVAVALU5249 Property Value Not Supported No
0121728219 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0229174358              
0900410794              
0907910824              
0507906396              
0839597392              
0287509371 C A C A CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No
0265972722 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0551106617 B B B B CRDAST115 Cash reserves do not meet guidelines No
0732060064 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0407861797 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0572567581              
0905413073 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0905413073 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0111515188 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0290911310 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0815799280              
0040513115 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No
0987277079 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0486886922              
0066460386 C A C A 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
0066460386 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0788221083 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0150569991 B B B B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No
0150569991 B B B B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No
0150569991 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0773333636              
0654382150 D A D A CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No
0654382150 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0654382150 C A C A CRDLTV3258 HCLTV Exceeds Guideline Requirement by at least 5%, but less than 10% No
0257299882 B B B B CRDTER3262 Property issues indicated No
0833201387              
0623212936              
0216887386              
0595309566 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0006246739 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0006246739 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0143613020 C A C A CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No
0892452284 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0875564480 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0400794719              
0151931353 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0972228840 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0186106294 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0564354201 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0970143808              
0109879421              
0147088588              
0975143436 C A C A PRVAVALU5249 Property Value Not Supported No
0586695440 D A D A 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
0586695440 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0698879646 B B B B CRDCRMH124 Collections, Liens, etc. not paid as required by guidelines No
0670241357 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0852748382 C A C A PRVAVALU5249 Property Value Not Supported No
0745820727 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0661933393 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0434461378 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0966930038 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0073568834 B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No
0073568834 B B B B CRDLTV3028 LTV Exceeds Guideline Requirement by 10% or more No
0073568834 B B B B CRDTER109 Cash Out Amount Exceeds Guidelines No
0124118369 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0832406984 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No
0332825603 D A D A CRDLGL100 Legal document incorrect or incomplete No
0026931308 C A C A PRVAVALU5249 Property Value Not Supported No
0069823872 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No
0796616278 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0183409537 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0496151433 B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No
0381644460              
0510226110 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0510226110 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0638553428 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0638553428 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0638553428 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0989179353 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0827362803              
0331670106 C A C A PRVAVALU5249 Property Value Not Supported No
0176325343              
0772531540 B B B B CRDAST2354 Asset Verification In File is Incomplete Per Requirements No
0883191688 D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements No
0935135319              
0509172664              
0387913058 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0387913058 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0941628554              
0811218162 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0811218162 C B C B CMPTRID5251 TRID - CD: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Annual Property Costs disclosed in the No Escrow section in Loan Disclosures No
0638636821 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0239866751              
0652945414 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0652945414 B B B B CRDTER3262 Property issues indicated No
0653662535 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0213695160 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0213695160 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0213695160 B B B B CRDTER3262 Property issues indicated No
0838781033              
0516679625              
0776821255 C A C A CMPTXHE111 TX Equity - Itemized disclosure of fees not provided prior to closing No
0776821255 C A C A CMPTXHE846 TX Equity - Closed before later of appl/discl + 12 days No
0493284315              
0055110221 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0250306049              
0263537948 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0649165515 B B B B CRDTER109 Cash Out Amount Exceeds Guidelines No
0649165515 D B D B PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No
0152605952              
0773170822 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No
0773170822 C A C A CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0090098377              
0067690391 D A D A 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
0067690391 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0995089380              
0020240931 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0527681168              
0716570777              
0691481234              
0517111211 B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No
0212802515 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0502569024 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0502569024 B B B B CRDTER3262 Property issues indicated No
0031042677              
0139328346              
0409087520              
0168332797 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0401771554              
0534772069              
0853300137 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0853300137 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0175570953 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0175570953 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0976914039 C A C A PRVAVALU5249 Property Value Not Supported No
0604718244              
0017438879              
0225929685              
0400517747 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0817087141              
0376949180 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0376949180 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0571251354              
0121920863 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0121920863 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No
0589770587              
0945332449 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0382923592 B B B B CMPROR2043 Cannot determine if funding date is after rescission period No
0184084543 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0184084543 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0361062954 D A D A 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
0361062954 D A D A CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No
0361062954 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0361062954 C A C A PRVAVALU5249 Property Value Not Supported No
0537872862 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0607500115 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0607500115 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No
0607500115 B B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit No
0848405652 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0093824078 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0153106253 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0141601558 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0873525496 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0763975052              
0574315880 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0735188950 B B B B CMPMAN2954 Missing Initial Escrow No
0735188950 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No
0463185065 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0295394512 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0344949400 B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No
0344949400 D A D A CMPDOC191 Missing Mortgage No
0404038797              
0045372676 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0117467289 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0117467289 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No
0428827678 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0428827678 C A C A PRVAVALU5249 Property Value Not Supported No
0060360382              
0388660807              
0184849577 C A C A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No
0184849577 C A C A CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No
0479316549 D A D A CMPDOC191 Missing Mortgage No
0658790748              
0595359991 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0893748906 B B B B CRDAST115 Cash reserves do not meet guidelines No
0772921524              
0820690638              
0580787968              
0528165425 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0628966610 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0673242717              
0470992348              
0441113274 B B B B CRDTER3262 Property issues indicated No
0412231888              
0837824508 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0463439308              
0480980438              
0143498746              
0268079662 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0302416740              
0405424563 A A A A CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No
0051217910              
0692778696              
0296054245 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0693766255 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0317127482 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No
0761699662              
0982383999              
0793137276              
0415770466              
0501714950              
0510931562 B B B B CRDLTV3024 LTV Exceeds Guideline Requirement by less than 5% No
0913497649              
0119177982              
0219410091              
0204020307 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0124612723 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0423573974 C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No
0423573974 C B C B CMPTRID4027 TRID - CD: The P&I Payment on the Loan Terms section of Final Closing Disclosure does not match the initial Note P&I No
0423573974 C B C B CMPTRID4056 TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount No
0423573974 C B C B CMPTRID4993 TRID  CD:  The Total Fixed Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Fixed Payment Clayton that calculates. No
0423573974 C B C B CMPTRID5035 TRID - CD: The fixed payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Fixed Payment that Clayton calculates. No
0423573974 B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No
0423573974 B B B B CRDLTV3024 LTV Exceeds Guideline Requirement by less than 5% No
0633758396 B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No
0633758396 B B B B CRDLTV3024 LTV Exceeds Guideline Requirement by less than 5% No
0633758396 B B B B CRDTER3262 Property issues indicated No
0633758396 D B D B PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No
0086093449              
0586306701              
0357427472              
0118389141              
0457211593              
0849458578 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0881226962              
0536317749 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0902805089 B B B B CRDINC150 Income docs do not meet guidelines No
0060289493 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0342741351 B B B B CRDAST206 Asset Amounts Are Unsupported by Documentation in File No
0205794193              
0119521075              
0704218236 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0092331800 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0092331800 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0351448413              
0966927222 B B B B CRDTER3262 Property issues indicated No
0233355323              
0956692933 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0851541144 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0483586123              
0635327011 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0574037653              
0224258049              
0952676396              
0144706572              
0722137058 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0252168237 D A D A 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
0252168237 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0252168237 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0950382458 A A A A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No
0959479961 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0959479961 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0885967578              
0712354255              
0051197645 C A C A PRVAVALU5249 Property Value Not Supported No
0313465573 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0313465573 B B B B CRDAST2354 Asset Verification In File is Incomplete Per Requirements No
0091549307 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0091549307 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No
0767833346              
0273589785              
0517043976              
0547685704 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0746534248 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0764334177 C A C A PRVAVALU5249 Property Value Not Supported No
0548469352              
0925216256 D A D A 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
0925216256 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0978099742 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0978099742 B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No
0370797674 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0370797674 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0309305644              
0532294495 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0217886850              
0040730354              
0202345953              
0768373910 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0700768695              
0891984460 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0482601211              
0202412456              
0029201256              
0294313058 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0377470874              
0091942360 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0091942360 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No
0976171249 D A D A CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file No
0976171249 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0069149606 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No
0956538933              
0667700380              
0772988316              
0820694736 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0863735770              
0659371858              
0088488729              
0382968816 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0382968816 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0620963315 B B B B CRDLTV107 LTV Exception 5% or Less No
0620963315 C A C A PRVAVALU5249 Property Value Not Supported No
0950664319 B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No
0950664319 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0197227847              
0915378242              
0706622870              
0232102532 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0376404004 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0714406094 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0983538365 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0983538365 B A B A CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No
0433553551              
0410954749 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0361026646 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0361026646 B B B B CRDLGL988 Loan File is Missing or Contains Insufficient Documentation for Basic Review No
0664144213 B B B B CRDAPP131 Occupancy status not supported by file documentation No
0555664563 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0980694010 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0534944349              
0896411322              
0571423561 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0367085192              
0091601491 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0009931046 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0200826751 C B C B CMPTRID5251 TRID - CD: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Annual Property Costs disclosed in the No Escrow section in Loan Disclosures No
0071382981              
0596315097              
0879273427 B B B B CMPMAN2954 Missing Initial Escrow No
0634208653              
0814095225 D A D A 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
0814095225 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0771728646 C A C A 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
0771728646 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No
0404029043              
0375759553              
0640925264              
0393988829 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0393988829 B B B B CRDCRMH124 Collections, Liens, etc. not paid as required by guidelines No
0106776327              
0079462421              
0499972963 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0499972963 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No
0945949703 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0945949703 C B C B CMPTRID5251 TRID - CD: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Annual Property Costs disclosed in the No Escrow section in Loan Disclosures No
0689465985 D A D A 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
0689465985 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0131720101              
0812909615 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No
0881792887              
0219977465              
0957914529 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0169817285              
0819058018              
0102206851 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0453939203              
0261087678              
0410605347              
0723471326              
0111368640 D A D A 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
0111368640 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0395677022              
0232215406              
0144237327 D A D A 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
0144237327 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0144237327 C C C C PRVAVALU5249 Property Value Not Supported Yes
0370125516 B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No
0370125516 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0522663268 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0973374097              
0984797009 B B B B PRVAPROP241 Property Type unacceptable under guidelines No
0542370164 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0542370164 B B B B CRDCRMH104 Credit score below guidelines No
0933447834 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0605984110              
0546204603 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0426822088              
0520541188 B B B B CRDINC150 Income docs do not meet guidelines No
0918893707              
0773985689              
0712328488 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No
0298754410 D A D A 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
0298754410 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0565708630 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0693331121              
0010198152 C B C B CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No
0821471921              
0923590549 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0802857906              
0997213008 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0975403979 D A D A 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
0975403979 C A C A CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No
0975403979 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0535894813 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0365910182              
0187488264 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0925229322 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0146415154              
0639052776              
0490230167 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0294870117              
0653501772 D A D A 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
0653501772 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0653501772 B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No
0653501772 B B B B CRDINC150 Income docs do not meet guidelines No
0653501772 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0839433194              
0889767161              
0519719850 B B B B CRDTER3262 Property issues indicated No
0072565397              
0044944341              
0519937737 D A D A 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
0519937737 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0113023418 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0419701598              
0433036086 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0108834875 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0132138184 D A D A CRDAPP3822 Missing or incomplete documentation related to citizenship/residency No
0867149051 C A C A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No
0867149051 C A C A CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No
0867149051 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0867149051 B B B B PRVAPROP111 Legal Nonconforming w/out Rebuild Letter No
0270896285 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0270896285 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0975869822              
0989004130              
0715079630              
0807446297              
0420672372 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0911888537              
0339550150              
0554068076              
0626886708              
0520562074 B A B A CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No
0520562074 D A D A CRDINSR848 Missing Hazard Insurance No
0715130396              
0412918962              
0673145296 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0636405648 D A D A 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
0636405648 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No
0636405648 C A C A PRVAVALU5249 Property Value Not Supported No
0587971925              
0974393174              
0797935485 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0072126655              
0328916245 D A D A 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
0328916245 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0862463429 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0325676310              
0463171726              
0305104473              
0855732233 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0310086781 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0079429953 B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No
0099697552              
0686090594              
0796220400              
0520364320              
0519255874 C A C A CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No
0398569103              
0675142207 C A C A PRVAVALU5249 Property Value Not Supported No
0900815225              
0867257622 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0867257622 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0199561455 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0613158755 C A C A PRVAVALU5249 Property Value Not Supported No
0552172577 B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No
0552172577 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No
0513330913 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0513330913 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0151119228              
0337664369 B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No
0337664369 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0809587041              
0199133857 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No
0783812218 D A D A 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
0783812218 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0783812218 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0011801226 C A C A CRDAST115 Cash reserves do not meet guidelines No
0663053020 C B C B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0471475459              
0167413481              
0506335865 D A D A 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
0506335865 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0506335865 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No
0120417966 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0614626177              
0628812501 C A C A PRVAVALU5249 Property Value Not Supported No
0945694819 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0945694819 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0775699939              
0783238917 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0783238917 C A C A PRVAVALU5249 Property Value Not Supported No
0051460754 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0474630771 C B C B CMPTRID3966 TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected No
0808185458 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0551536361 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No
0768946622 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No
0666036899              
0972883650 D A D A 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
0972883650 B A B A CRDDTI105 Debt Ratio Exception 5% or Less No
0358894362              
0771917210 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0547163489 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0196690801 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No
0459025494              
0666729178              
0640700103 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0168152019              
0306363148 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0306363148 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0228714371 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0711395015              
0918265848 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No
0155390259              
0974682305 D A D A 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
0974682305 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No
0974682305 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No
0351891074 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No
0226675848 C A C A PRVAVALU5249 Property Value Not Supported No
0565604886 B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No
0565604886 B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No
0076806311 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0392914442              
0067751252 C A C A CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No
0426143530 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0606553012              
0115423239              
0722315217 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0722315217 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0707146928 D A D A CMPTRID3496 TRID - Closing Disclosure Missing No
0971600082 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No
0971600082 C A C A PRVAVALU5249 Property Value Not Supported No
0767204093 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0767204093 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0229802107 C A C A CMPTRID3658 TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance No
0412998769 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0126812109 C A C A 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
0913486634              
0509924530              
0083121188 C B C B CMPTRID3952 TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established No

 

Alt Loan Number Initial Comments Client/Seller Response Comments Conclusion Comments
0575918361 1.50% LTV shortfall.  The LTV of 76.50% exceeds max allowable of 75% for attached condo with 685 credit score.  An approved exception request is in the file.  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. Borrower has low DTI of 24.97, 18 years on job, and 24.87 months PITI reserves.
0267055387      
0983065273 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0011090965 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0011090965 Lender approved exception for Borrower has less than 2yrs property mgmt. experience. Offsets: - additional income not being used (bonus, RSU and rental income from departure) residual income $25267 XXX UW noted $575k in retirement assets not used DTI 23.83/38.31% -FIX30  reserves $193300 -equity in real estate owned. Clayton deems non-material based on compensating factors of  791 qualifying score. Min required per guidelines is 680, DTI is 33.15%, max per guidelines is 43% and the borrower has been in current profession for 5 years. (No Data) (No Data)
0127206157 Credit report dated XXX reflects 10X30, 7X60 and 5X90 on mortgage related and non-mortgage related tradelines. Guidelines require review of credit for past 24 months. As some of the lates are within those 24 months these would require additional review to be considered isolated incidents per guides. LOE was in file and Lender UW spoke to being isolated and reasons why. No lates in 2018 thru credit pull in 1/2019.  (No Data) (No Data)
0327877533 Missing evidence that CD dated XXX was acknowledged by the borrowers 3 days prior to consummation date of XXX. 2.26.20 - Client responded. Disagree: CD#002 was eDelivered on XXX and opened and acknowledged by borrower on XXX. XXX considers in hand delivery and meets timing for consummation date XXX. See attached document tracking for CD #002.  2.26.20 - Exception satisfied.
0934738705 Finance charges of $510203.84 per paystream calculations, finance charges are $509632.82, resulting in understated finance charges of $571.02.  Unable to determine source of understatement. 2.10.20 - Client responded. Disagree.  Consummation CD Finance Charge is $XXX. Calculated Finance Charge is $XXX.  Finance Charge is within tolerance and acceptable.  Tester was unable to replicate investor's calculations.  See attached fee list and brooks calculations. 2.10.20 - Exception satisfied. 
0934738705 Finance charges of $510203.84 per paystream calculations, finance charges are $509632.82, resulting in understated finance charges of $571.02.  Unable to determine source of understatement. 2.10.20 - Client responded. Disagree.  Consummation CD Amount Financed is $XXX. Calculated Amount Financed is $XXX. Amount Financed is acceptable.  Tester was unable to replicate investor's calculations.  See attached for fee list and Brooks calculations. 2.10.20 - Exception satisfied. 
0934738705 Lender approved exception for missing Condo Project Review/Approval.  Clayton considers a non-material based on the compensating factors of DTI 24% and 99 months cash reserves. 2.5.20 - Client responded. Per guidelines on 2-4 unit condos, page 272 of 415, "Project review is waived for projects with 2-4 units. The project must be eligible collateral (not a condotel, timeshare, etc.)." A project review/appraisal was not missing, it was not required.2.5.20 - Clayton has reviewed and per client request any lender exception needs an exception fired for it. Exception was fired and is a non-material exception.  2.5.20 - Exception remains. 
0931076935 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (Real estate broker fee are not listed on Seller Cd). (No Data) (No Data)
0987760059 Lender approved exception for borrower's credit score of 678; guideline minimum is 680.  Offsets  Low housing ratio, Potential for increased earnings, Residual income $13,963.01, Income earned not using (bonus). Clayton deems non-material based on compensating factors of  DTI is 39.15% max per guidelines is 43% and the borrower has been in current profession for 10 years., residual income is $16,489.89 and Income earned not using (bonus). (No Data) (No Data)
0987760059 Lender approved exception for the nonreal estate settled for less account within two years of application date. This was joint student loan and does not appear it was in the consolidation loan done 2016. I settled 6/2018. ). Clayton deems non-material based on compensating factors of  DTI is 39.15% max per guidelines is 43% and the borrower has been in current profession for 10 years., residual income is $16,489.89 and Income earned not using (bonus).  (No Data) (No Data)
0519746633      
0637415947 Provide support docs for VOR (e.g. cancelled checks) 12.17.19 - Client responded. The borrowers disclosed living rent-free (loan application attached); supporting documentation is not applicable.  12.17.19 - Exception satisfied. 
0435659717      
0647979235 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0301537992 Missing evidence that CD dated XXX was acknowledged by the borrowers 3 days prior to consummation date of XXX. 2.14.20 - Client responded. Disagree:  CD#XXX was eDelivered on XXX.  CD#XXX was opened and acknowledged by borrower on XXX considers in-hand delivery and meets timing for XXX closing date.  See attached document tracking 2.14.20 - Exception satisfied.
0126289714 Lender approved exception for credit score below guidelines.  Clayton deems non-material based upon compensating factors.  Compensating factors include overall debt reduction,  37.636% DTI, low LTV, and ample reserves after closing (No Data) (No Data)
0548410117      
0815077268 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0105102761      
0424196930 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0376690722      
0203513337 $1,041.00 due to decrease in lender credit from $1,050.00 to $9.00 on final LE XXX. Requires supporting CoC for decrease in lender credit, or corrected PCCD, copy of refund check, LOX and copy of shipping.  3.17.20 - Client responded. Disagree:  On 2/19/2020 price changed.   Updated documents provided to borrowers within 3 days.   See attached CoC documentation. 3.17.20 - Exception satisfied.
0203513337 Lender approved exception for the use of additional income above base. Borrower has been employed at XXX since 6/2018. Fulfillment reviewed the income with the XXX prior to review and notes are in CORE supporting the use of additional income above base. Fulfillment used $22,673.88 per month to qualify. The customer does have a history of this level of income and it is well known that XXX pays bonus/ RSU as part of compensation. PCO notes that if only base pay had been used the DTI would have been 40.98%. Clayton deems non-material based on compensating factors of 789 qualifying score. Min required per guidelines is 720, DTI is 23.96% max per guidelines is 43% and Post close reserves are $364,188.96. Reserves required $4,797.60 x 12=$57,571.20. (No Data) (No Data)
0522989695 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0132647272      
0256142017 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0321626720      
0981461070 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0637451753      
0273235950 Lender approved exception for insufficient credit (no trade line with at least a 24 month history for insufficientcredit (no trade line with at least a 24 month history...Borrower is short four months from meeting the definitionof sufficient credit... Clayton deems non-material based on compensating factors of  733 qualifying score. Min required per guidelines is 680, DTI is 39.35% max per guidelines is 43% and the borrower has been in current profession for 5 years  (No Data) (No Data)
0751916311 Missing the 2017 W2 for B1 1.13.20 - Client responded. No W2 for 2017 was obtained. B1 has been in the same line of work for 5 years, only regular (base) pay used to qualify. 2018 W2 from City of XXX attached to document history of prior employment. 1.13.20 - Exception satisfied. 
0751916311 Missing the 2017 W2 for B1 1.13.20 - Client responded. No W2 for 2017 was obtained. B1 has been in the same line of work for 5 years, only regular (base) pay used to qualify. 2018 W2 from City of XXX attached to document history of prior employment. 1.13.20 - Exception satisfied. 
0889562205      
0427189068      
0857947782 Approved lender exception for credit score 664 which is below the minimum of 680.  Clayton considers non-material based on the LTV 64.81% based on acquisition cost $XXX and 34.10% from appraised value, 15 year XXX job and residual income of $9,290.05 monthly. (No Data) (No Data)
0857947782 Approved lender exception for appraisal aged 13 days past expiration maximum of 120 days.  Clayton considers non-material based on the LTV 64.81% based on acquisition cost $XXX and 34.10% from appraised value, 15 year XXX job and residual income of $9,290.05 monthly. (No Data) (No Data)
0256677040      
0239784238      
0047945810      
0835736938      
0492688172      
0755217415 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0755217415 Ten tolerance of $67.40. Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $67.50 for ten percent tolerance fees, due to increase of recording fees from $206 to $294.00. 10.2.19 - Client Response - Agree.  The Recording Fees increased from $206 to $294 on CD issued XXX without a valid reason. There was no Over Tolerance verbiage disclosed in Section J of the Closing Disclosure. Refund due to the borrower in the amount of $67.50. Remediation requested12.24.19 - Client responded. 12/20/2019:  see attached Refund, PC CD, and Letter 10.2.19 - Exception Remains.12.24.19 - Exception satisfied. 
0211403208 Missing evidence that borrower acknowledged receipt of CD 3 days prior to consummation.  3.20.20 - Client responded. Disagree. Borrower CD#005 was eDelivered on XXX. CD#005 was opened and acknowledged by borrowers on XXX. XXX considers in hand delivery and meets timing for closing date XXX. See attached document tracking for CD#005  3.20.20 - Exception satisfied. 
0891574501 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0760685769 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0909460216      
0766577444 Missing P&L for Sept-Dec2019and Balance sheets for 2019 2.21.20 - Client responded. Per lender credit policy, credit documents are valid for 120 days from the printed note date and underwriters may use discretion to extend the credit expiration date up to 10 days.  The 2019 P&L statement covering January through August 2019 (attached) expired XXXX (120 days from XXXX); underwriter used discretion to extend the P&L through the note date of XXX.  Credit policy also permits underwriters to waive profit & loss statements or balance sheets under certain circumstances; no balance sheet was obtained.   2.21.20 - Exception satisfied. 
0766577444 Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue (No Data) (No Data)
0766577444 Approved Lender exception for FICO exception. Borrower's credit score is 711.  Cash out credit score per guidelines is 720.  Clayton deems non-material based on compensating factors of; stable income, borrower XXX in same line of business 40 years, and over 215 months reserves (No Data) (No Data)
0766577444 Missing copy of 2018 extension for borrowers taxes. 2.21.20 - Client responded. 2018 Form 4868 Application for Extension to file individual income tax returns attached. 2.21.20 - Exception satisfied. 
0766577444 Missing either 2017 or 2019 SSA 1099 for Social Security Benefits and awards letter for 2018. 2.21.20 - Client responded. Lender credit policy allows alternative documentation to be used to verify social security income.  Borrower's 2017 1040s, 2018 1099, and 08-31-2019 XXX deposit documents (attached) were used to verify ongoing receipt of social security income. 2.21.20 - Exception satisfied. 
0689253110 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. 1.8.20 - Client responded. Disagree:  Title Commitment Schedule XXX.   Loan is increase with original creditor and H-9 model form is appropriate.  See attached title commitment schedule B. 1.8.20 - Exception satisfied. 
0689253110 The loan file is missing executed evidence that the XXX Heloc is paid and closed to future draws.   2.10.20 - Client responded. See attached Title Policy showing that no 2nd lien was attached to the subject property. 2.10.20 - Exception satisfied. 
0689253110 Disaster declaration date XXX. Effective date XXX. Note date XXX. (No Data) (No Data)
0635653804      
0647316966 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0114331938 :  Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data)
0410705318 Missing the 2019 YTD Profit and Loss and balance sheet statement for one or more XXX borrowers XXX , XXX , XXX, XXX, XXX.  2.21.20 - Client responded. Per lenders credit policy, underwriters have the discretion to waive profit & loss statements and balance sheets in scenarios where the income or loss makes up a small percentage of the total qualifying income, or the business has been in existence for a substantial amount of time.  Majority of qualifying income is derived from long-time (1995) XXX of XXX.; income from XXX represents < 2% of total qualifying income.  No qualifying income was generated from XXX, XXX, XXX, or XXX2.21.20 - Clayton has reviewed and as the income is less than 5% of the income used the P&L's and Balance sheet are not required per Clayton Compliance Department and Clayton QM review. 2.21.20 - Exception satisfied. 
0410705318 The loan file is missing executed evidence that the two XXX Helocs  XXX XXX,XXX,XXX are  paid and closed to future draws.   2.21..20 - Client responded. Closing disclosure dated XXX and final title policy dated XXX attached showing payoff of both XXX HELOCs and new XXX mortgage loan in first lien position with no subordinate financing. 2.21.20 - Exception satisfied. 
0316095343      
0638274677      
0869229098      
0775806797 Approved Lender exception for FICO score does not meet program requirements.  Borrowers credit score is 709 with a program requirement of 720.  Compensating factors used by the lender are LTV below Max, Strong PCL, XXX customer, High residual income, Low ratios and bonus income not being used to qualify.   (No Data) (No Data)
0086555443 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0691861716 Lender approved exception for exception for short reserves/PCL.  Clayton deems non-material based on compensating factors of 756 qualifying score. Min required per guidelines is 680, job stability over 6 years and reduction in monthly housing of approx. $300.00.    (No Data) (No Data)
0691861716 The credit report in file is dated 7/29/2019; The Note is dated XXX.  Per Lender guidelines the maximum age of documents on or before the Note is 120 days.  (Credit expired XXXX) 1.10.20 - Client responded. Per lender guidelines, up to a 10-day variance is allowed. Underwriter decisioning logic attached. 1.10.20 - Exception satisfied. 
0447436545      
0019747202 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0614080412 Missing appraisal update for stale date appraisal.  Appraisal dated XXX is aged 135 days from Note date XXX.  1.30.20 - Client responded. See attached appraisal update. 1.30.20 - Exception satisfied. 
0828617078      
0315183647 Lender approved exception for Borrower owns more then 5 properties regardless of financing; Borrower owns 11 properties. Clayton deems non-material based on compensating factors of 785 qualifying score. Min required per guidelines is 680,  DTI is 32.94% max per guidelines is 43% and the borrower has been in current profession for 13 years. (No Data) (No Data)
0066468618 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0066468618 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0587257289      
0661479127 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0579183155      
0960463516      
0382848649      
0781117886      
0454239372 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0212460273 Authorization to close HELOC to future draws has not been executed as required.  4.21.20 - Client responded. Proof that XXX heloc XXX has been paid and closed to future draws attached, to include Closing Disclosure, Demand Statement (Authorization) and XXX confirmation of closure letter. This line of credit has been paid and restricted from future advances 4.21.20 - Exception satisfied. 
0212460273 Tested Post Close CD dated XXX  Finance Charge in the amount of $312,565.90, matches review calculation of $312,565.90    exception satisfied (No Data) (No Data)
0212460273 Tested Post Close CD dated XXX  Amount Financed in the amount of XXX matches review calculation of XXX  Exception satisfied (No Data) (No Data)
0212460273 Approved lender exception for increasing qualifying ratios, DTI ratio of 41.24% exceeds the max allowed of 40% on cash out refinance.  Customer received a student loan on 11/2019 which caused the increase in the DTI.  Clayton deems non-material based on the compensating factors of borrower having a strong credit profile, having strong equity in primary residence, demonstrates the ability to save, strong reserves and having long term employment history (No Data) (No Data)
0212460273 Authorization to close HELOC to future draws has not been executed as required.  4.21.20 - Client responded. Proof that XXX heloc XXX has been paid and closed to future draws attached, to include Closing Disclosure, Demand Statement (Authorization) and XXX confirmation of closure letter. This line of credit has been paid and restricted from future advances 4.21.20 - Exception satisfied. 
0282248105      
0149938256 Missing proof HELOC with XXX ending in #XXX has been closed future draws.  2.25.20 - Client responded. See attached: proof that XXX HELOC ending in #XXX has been paid and closed to future draws, including copy of Final Closing Disclosure & Final Title Policy. 2.25.20 - Exception satisfied.
0149938256 There is an increase in the following zero tolerance fees Appraisal, Credit Report Processing, Transfer Taxes Aggregate in the amount of $5,578.03. Lender credit in the amount of $90 is insufficient to cure. Refund in the amount of $5,488.03 is required. Missing CIC, PCCD, LOX, copy of refund check and proof of delivery for increase zero tolerance fees. 2.26.20 - Client responded. Disagree:  On 10/30/2019, there was a change in CEMA status which increase transfer taxes to $6576.  On 11/7/2019, there was a loan amount increase and the transfer taxes increased to $8376.  Appraisal fee increase of $90  was invalid and included in Block J as credit for increase in closing cost above legal limit.  On 12/12/2019, appraisal fee was updated to $830 after determination additional inspection required.  No changes to Credit Report identified by testing team.  See attached CoC documentation.   LE's were issued timely for CEMA, Loan Amount Change, and Appraisal Inspection.    No additional refunds required. 2.26.20 - Exception satisfied.
0149938256 Missing proof HELOC with XXX ending in #XXX has been closed future draws.  2.25.20 - Client responded. See attached: proof that XXX HELOC ending in #XXX has been paid and closed to future draws, including copy of Final Closing Disclosure & Final Title Policy. 2.25.20 - Exception satisfied.
0149938256 Approved lender exception for cash out on a two unit property.  Clayton considers non-material based on compensating factors of low LTV of 50%, credit score of 801 and residual income of $10,002.52 monthly. (No Data) (No Data)
0280951264      
0152026361 Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0934228442 Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation of XXX. 3.20.20 - Client responded. Disagree.  Borrower CD #004 was eDelivered on XXX.  CD#004 was opened and acknowledged by borrowers on XXX.  XXX considers in hand delivery and meets timing for closing date XXX See attached document tracking for CD#004. 3.20.20 - Exception satisfied. 
0934228442 Lender approved exception for Multiple Financed Properties is more than 4. Borrowers are completing R/T refi on owner occupied and own 4 other investment properties.  Total of 5 financed Properties and reason PCO must review. Subject is O/O and in XXX where borrowers relocated to when subject was purchased. Investment properties are all in XXX. Investment properties are listed on Sch E as investment properties. No concern on occupancy as owner occupied. Borrowers have shown an ability to save and meet 35% PCL requirement. Borrowers also have good equity in all properties and could easily sell an investment Property if needed. Transaction if to pay off current XXX first which will lower rate and payment. Minimal risk increase to XXX. Overall good profile and offsets support approval. ATR and WTR supported. 6% below Max  LTV with supported value. Clayton deems non-material based on compensating factors of 790  qualifying score. Min required per guidelines is 680, DTI is 39.17% max per guidelines is 43% and LTV is 73.63%; max allowed per guidelines is 75% (No Data) (No Data)
0513436141      
0665965148      
0676241009      
0140413073      
0248562007 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0902138430 Appraisal value $XXX Review View $XXX Variance -21.57%.  A Field review has been ordered. 3.13.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  3.13.20 - Exception satisfied.
0842481485      
0946724327 Missing MA Borrower Interest Worksheet. (No Data) (No Data)
0184294920      
0390131541 $145.00 zero tolerance due to disclosing final appraisal fee on LE XXX without a valid CoC. Please provide sufficient Coc, or corrected PCCD, copy of refund check, LOX and copy of shipping.  1.27.20 - Client responded. Disagree. Final Appraisal Inspection in the amount of $XXX was added to the subsequent Loan Estimate issued XXX with a valid change circumstance of "building status changed from existing construction to new construction". Copy of screen print is attached indicating date of knowledge of XXX which meets required timing. 1.27.20 - Exception satisfied. 
0390131541 CD XXX Estimated  Taxes, Ins and Assessments payment amount of $XXX. However, loan disclosure section disclosed Estimated Costs Over Year 1 value of  $XXX. Please provide corrected PCCD, LOX and copy of shipping.  1.27.20 - Client responded. Agree.  Est Taxes, Ins, and Assessments figure disclosed is $XXX.  CD disclosed $XXX. PC CD required to remedy.  Remediation requested.2.14.20 - Client responded. 2/13/2020:  see attached PC CD with updated page 4 escrow table reflecting correct non-escrowed cost over 1 year. 1.27.20 - Exception remains. 2.14.20 - Exception satisfied. 
0165335792      
0439570908 Approved lender exception for appraisal dated 123 days from Note without an appraisal update.  Clayton considers non-material based on compensating factors of low DTI 38.07%, 17.24 months PITI reserves VS 12 months required, and residual income of $34,967.45 monthly.   (No Data) (No Data)
0592916616      
0566403744 Approved Lender exception for 3 month PCL reduction, borrower has 9.97 months borrower is just under 12 months required. Primary residence purchased 7/2019, borrowers put 20% down ($XXX), which is the reason for low liquid assets. Clayton deems non-material based on compensating factors of; fixed primary rate, no derogatory credit, monthly debts are not excessive, $8,756 monthly residual, stable employment, ratios are 30.31/32.535%, and borrowers are reducing payment. (No Data) (No Data)
0733569252 Missing evidence that CD dated XXX was acknowledged by the borrowers 3 days prior to consummation date of XXX. 2.10.20 - Client responded. Disagree:   CD XXX was eDelivered on XXX.   CD#XXX was opened and acknowledged on XXX considered in hand delivery and meeting timing for XXX closing.  See attached document tracking for CD XXX. 2.10.20 - Exception satisfied. 
0128603622      
0850788224      
0353807147 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied (No Data) (No Data)
0883544783      
0495512620      
0051185953 fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0003400673 Missing proof that HELOC with XXX #XXX has been paid and closed to future draws, authorization to close not signed/dated by borrowers. 3.3.20 - Client responded. Proof that HELOC with XXX #XXXhas been paid and closed to future draws attached, to include Closing Disclosure and Final Title Policy (Title Insurance). 3.3.20 - Exception satisfied.
0003400673 CD XXX Estimated Taxes, Insurance & Assessments, Value: $1731.51 x 12 months = $20778.12; Estimated Costs Over Year 1, Value: $20778.08. Variance is .04 cents within tolerance. Exception Satisfied.  (No Data) (No Data)
0003400673 Approved lender exception for short PCL reserves.  Total reserves required $57,338.64 with required PCL $28,669.32.  Total liquid funds verified $25,674.00; short PCL of $2,995.32.  Clayton considers non-material based on compensating factors of low LTV 54.08%, self employment for 19 years and residual income of $16,232.13 per month. (No Data) (No Data)
0003400673 Missing proof that HELOC with XXX#XXX has been paid and closed to future draws, authorization to close not signed/dated by borrowers. 3.3.20 - Client responded. Proof that HELOC with XXX#XXX has been paid and closed to future draws attached, to include Closing Disclosure and Final Title Policy (Title Insurance). 3.3.20 - Exception satisfied.
0187283488      
0311275987      
0660918043 ROR Expiration date is XXX; disbursement date per file XXX.  Borrower did not receive full mandatory rescission period.  Requires LOX, PCCD, Proof of Delivery, New NORTC to all entitled.  1.30.20 - Client responded. Disagree. See attached PC CD issued XXX with corrected disbursement date of XXX 1.30.20 - Exception satisfied. 
0690126901      
0961757622 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0246237088      
0923404759      
0288775895 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0624782699 Tested PCCD dated XXX - Finance charge in the amount of $504,165.03 matches review calculation of $504,165.03.  Exception Satisfied (No Data) (No Data)
0624782699 Tested Post Close CD dated XXX   Amount Financed in the amount of $XXX matches review calculation of $XXX    exception satisfied (No Data) (No Data)
0624782699 Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0624782699 Lender approved exception for cash out dollar amount.  Our borrowers are requesting $726,000 cash out secured by their newly constructed primary SFR  the proposed cash out will be directed to the payoff of an HFI loan taken out on the borrower's investment property in order to finance the construction of the subject property in 08/2017 with no cash in hand to the borrowers - the borrower's qualifying income is a combination of SSI, net rental income from one XXX and the SFR being paid off with the subject loan proceeds  the borrower's total qualifying income is $14,728.49 per month resulting in qualifying ratios of 23.76% and 28.19% when 36.00% and 40.00% are generally The maximum allowed  the borrowers provided verification of liquid personal assets totaling $773,253.78 of which $645,129 was not included for qualifying and should be in addition to retirement assets totaling $117,306  the Borrowers are bringing $884.27 cash to close - the risk Associated  with the cash out dollar amount if compensated for by the fact that the XXX exposure is not increasing, the collateral for the loan is now the borrowers' primary residence when the current Exposure is an investment and by the proposed overall reduction to the borrower's payment  PCO underwriter's decision:  Risks: cash out dollar amount Offsets: no new exposure to  XXX - no cash in hand  primary  occupancy  decreasing the borrower's payment  strong equity in the subject property Approve with conditions o SSI income reporting to the borrowers' taxes must be documented according to policy and  included using the gross-up formula o All verified assets must be  included for qualifying o If the subject property was constructed within the last 12 months the acquisition cost must be documented in order to accurately determine the LTV/ CLTV  the loan being refinanced was originated in XXX for the purpose of financing the construction of the subject property .Clayton deems non-material based on compensating factors of  790 qualifying score. Min required per guidelines is 720, DTI is 33.97% max per guidelines is 43% and  LTV is 68.72%; max allowed per guidelines is 70%. (No Data) (No Data)
0472976951 Missing verification of taxes, insurance and HOA if applicable for REO on XXX or if refinanced with XXX the new PITIA. 2.11.20 - Client responded. "Verification of PITIA for REO on XXX attached (4 attachments). Property (condo) was refinanced with XXX Dec-2019. Monthly Payment Breakdown: First PI = $2,853.26, Tax = $982.38, XXX HOA (to include Property Insurance) = $520 2.11.20 - Exception satisfied. 
0472976951 Approved lender exception for mortgage history 2x30 on investment properties.  Clayton considers non-material based on current refinance lowered housing on primary residence by $5,740 per month, low LTV 29.49% and residual income of $15,730.27 per month. (No Data) (No Data)
0472976951 Missing verification of taxes, insurance and HOA if applicable for REO on XXX or if refinanced with XXX the new PITIA. 2.11.20 - Client responded. "Verification of PITIA for REO on XXX attached (4 attachments). Property (condo) was refinanced with XXX Dec-2019. Monthly Payment Breakdown: First PI = $2,853.26, Tax = $982.38, XXX HOA (to include Property Insurance) = $520 2.11.20 - Exception satisfied. 
0472976951 Missing verification of borrowers' businesses within 30 days from close XXX, as required by guidelines. UDS does not provide any notation in the Employment/Income documents for either business; Clayton considers non-material based on compensating factors of 29.49% LTV, 789 qual score and $15k/mo. residual income.   (No Data) (No Data)
0958240532      
0478451803 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0872152327 Credit report dated 09.12.2019 is aged 131 days from Note date XXX exceeds 120 days and allowed tolerance of 10 days. 1 day over the guideline tolerance. Clayton deems non-material based on low DTI of 34% and cash reserves close to 280k.  (No Data) (No Data)
0872152327 Final CD dated XXX Cash back to borrower $8,728.04 less POC $510.43 = $8,217.61 exceeds allowed maximum of 1% of $7,750.00 (No Data) (No Data)
0673234502 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0167969947 Approved lender exception for waiver of escrows for 1st Time Home Buyer. Clayton considers non-material based on compensating factors of 35.03% DTI, 24.99 months PITI reserves vs 12  months required, and 797 FICO VS 720 required  (No Data) (No Data)
0485017729      
0108484522 Missing proof that HELOC with XXX #XXX has been paid and closed to future draws; authorization in file was not signed and dated by borrowers.  1.22.20 - Client responded. Proof that HELOC with XXX #XXX has been paid and closed to future draws attached, to include Closing Disclosure and executed Payoff Statement (authorization). 1.22.20 - Exception satisfied. 
0108484522 Missing proof that HELOC with XXX #XXX has been paid and closed to future draws; authorization in file was not signed and dated by borrowers.  Clayton considers non-material based on compensating factors of B2 time on job of 12 years, high credit score 780 and residual income of $17,832.33 monthly. 1.22.20 - Client responded. Proof that HELOC with XXX #XXX has been paid and closed to future draws attached, to include Closing Disclosure and executed Payoff Statement (authorization). 1.22.20 - Exception satisfied. 
0108484522 Missing copy of XXX HELOC Note and Security agreement for simultaneous second lien. 1.22.20 - Client responded. XXX Home Equity Account Agreement and Disclosure Statement (Note and Security Agreement) attached.  1.22.20 - Exception satisfied. 
0458597942      
0729651093 A Desk review was received with a reported value of $XXX which is a variance of -30.18% less than the original appraised value of $XXX. A Field Review is recommended 2.25.20 - A Field review was received with a reported value of $XXX which is a variance of -12.73% less than the original appraised value of $XXX. 2.26.20 - Client responded. The subjects major appeal is the subjects private hillside location with panoramic views and appears to be the driving factor for the OA comp selection. When viewing the additional comps the field review appraiser added they do not have a similar private location with similar views and the field review makes no adjustments to the new comps for this attribute, because of this it does not appear that they would be chosen by buyers of the subject if the private location with panoramic views is desired. Comp 4 is used by both appraisers and they have differing opinions on the view. When viewing an aerial map and the MLS photos of comp 4s view it is near other homes being set back with no true panoramic views from the home. If anything, it could be considered the same but not superior. Additional comp 5. MLS listing is noted to have a views but the remarks make no mention of views and there are no view photos in the listing but the review appraiser is considering the view to be the same. The review appraiser also does not give a condition adjustment but viewing the bath photos the lack of updating appears evident and one could argue the kitchen is inferior as well. Additional comp 6. MLS listing is noted to have a views but the remarks make no mention of views and there are no view photos in the listing. The home site appears not to be located in the hills with an elevated location but the review appraiser is considering the views the same. It is believed that if adjustments were made to comps 4, 5 and 6 for the reasons noted above all of the adjusted sales prices would be over the review appraisers opinion of value. 2.27.20 - Clayton has sent rebuttal to vendor for commentary. 3.9.20 - Vendor replied with revised Field Review. Increase of only 20k and still does not support original appraised value. Revised Field review $XXX which is -11.27% lower than original appraised value of $XXX. 2.25.20  Exception remains. 2.27.20 - Exception remains. 3.9.20 - Exception remains. 
0807012578      
0250616178 Approved lender exception for Combo Coop. Clayton considers non-material based on compensating factors of 27.08% DTI, LTV of 48% vs 80% max, and 124 months PITI reserves vs 12 months required.  2.6.20 - Client responded. Approval was a tracking exception as guidelines allow Coop combinations. Additional support for approval: the borrower currently owns a unit in the project and is purchasing the unit adjacent to it.  Combination will result in a 2 bedroom, 2 bath unit. Comp 1 is a combo in the subject building showing value supported and market acceptance. 2.6.20 - Exception remains. 
0484252462 Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0082394135 Notary Status: Missing.  Provide copy of missing document. 2.7.20 - Client responded. See attached recorded UCC.  UCC gets recorded for NY loans, which doesn't have a borrower signature or a notary information.  Loan Security Agreement, no notary is required. 2.7.20 - Exception satisfied.
0082394135 Approved lender exception for unacceptable property type.  Clayton deems non-material based on compensating factors of Credit score of 813 where 680 is required, job stability of 11 + years and  cash reserves of over 43 months.  Subject project was developed as an income restricted project with resale restrictions based on income limits and resale price.  The presence of XXXX is the only eligibility issue and per counsel for project, they are actively working to eliminate this.  The project meets all other guidelines.  File also contains a fully executed Income Limit Exemption Certificate as required by Lender in approving exception. (No Data) (No Data)
0775480275      
0848901414 Missing Home Loan Toolkit.  Provide copy of missing document. (No Data) (No Data)
0206504277      
0869104624 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0147276503 Approved lender exception for LTV 79.42% exceeds the maximum of 70%.  Clayton considers non-material based on compensating factors of HFI to HFI refinance lowering rate from 4% to 3.75% amortizing over the remaining term, B1 with job time of 13 years and B2 of 12 years and residual income of $33,057.90 per month. (No Data) (No Data)
0147276503 Approved lender exception for loan amount outside lending authority classification was MC1 8/2019 and now is MC2.  Clayton considers non-material based on compensating factors of HFI to HFI refinance lowering rate from 4% to 3.75% amortizing over the remaining term, B1 with job time of 13 years and B2 of 12 years and residual income of $33,057.90 per month.  (No Data) (No Data)
0357768666      
0446767784      
0632163685 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0061627887      
0965799910      
0027206507      
0649999381 Missing HOA statements for Condo Unit XXX & Townhouse Unit XXX verifying amount due to for maintenance fees. 3.18.20 - Client responded. "HOA (maintenance fee) for XXX = $564.77 HOA (maintenance fee) for XXX = $403. XXX statement and borrower correspondence attached to support and verify monthly maintenance (HOA) fees for non-subject properties."  3.18.20 - Exception satisfied. 
0649999381 Missing HOA statements for Condo Unit XXX & Townhouse Unit  XXX verifying amount due to for maintenance fees. 3.18.20 - Client responded. "HOA (maintenance fee) for XXX = $564.77 HOA (maintenance fee) for XXX = $403. XXX statement and borrower correspondence attached to support and verify monthly maintenance (HOA) fees for non-subject properties."  3.18.20 - Exception satisfied. 
0763354143 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0693582875      
0852820671 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0803617568      
0804200644      
0296321347 $278.60 lender credit insufficient to cover increase in Appraisal fee, an additional $137 is required due to increase in appraisal fee by $360. Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. 1.31.20 - Client responded. Disagree. The Appraisal fee increased from $580 on the LE issued XXX to $717 on the LE issued XXX, with a valid Change Circumstance reason. Appraisal fee increased to $940 on CD issued XXX without valid changed circumstance. Appraisal fee increase of $223 from XXX LE to XXX CD. Borrower was provided a refund in the amount of $278.60 which is sufficient to cure the zero percent over tolerance fee increase in XXX of consummation CD issued XXX.  Copy of origination system RESPA Changed Circumstance History screenshot attached. 1.31.20 - Exception satisfied. 
0296321347 Approved lender exception for LTV to 80% on a 2 unit property (Max LTV 75%) as per Lender guidelines.  Clayton deems non-material based on compensating factors of low DTI of 17.76, credit score of 802 and reserves of 51 months where 12 months are required.   (No Data) (No Data)
0733897444      
0329887098      
0421965797      
0476095012      
0718872886      
0636867770 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0267487076 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A (No Data) (No Data)
0195728018      
0772659998 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0011223065 Missing Most recent 2 year(s) filed and signed U.S. Individual Income Tax Returns (IRS Form 1040) for B1 showing the:XXX  income as stated on the loan application. Including all schedules and statements; or IRS Form 8879 If you filed taxes electronically. 2.21.20 - Client responded. Per policy: If tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting. CPA's PTIN is provided on tax returns, signature not required. Attached are copies of 2017 & 2018 1040 Income Tax Returns. 2.21.20 - Exception satisfied. 
0011223065 Verbal verification of employment missing. 2.21.20 - Client responded. Business verification (VOE) for XXX borrower attached. See also, attached Name Affidavit for borrower. 2.21.20 - Exception satisfied. 
0957037738 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0287850345 A Desk review was received with a reported value of $XXX which is a variance of 11.76% less than the original appraised value of $XXX. A field review has been ordered.  3.2.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  3.2.20 - Exception satisfied.
0343009539      
0066565164      
0606360004 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0031914111 The loan file is missing proof that the XXX HELOC has been paid and closed to future draws. 1.21.20 - Client responded. See attached Title Policy showing that no 2nd lien was attached to the subject property. 1.21.20 - Exception satisfied. 
0322977121 Non material numeric error - CD: XXX Monthly Non Escrowed Amount in Projected Payments $1,340.50/mo is inconsistent with annual cost in the Loan Disclosures Section $14,631.96. 2.4.20 - Client responded. Disagree.  PPT ETIA $1340.50 consists of the property taxes and homeowner's insurance.  PPT indicates property taxes are escrowed and homeowner's insurance is not escrowed.  The monthly property tax amount is $1219.33.  The Loan Disclosures section disclosed $14631.96 for Escrowed Property Costs over Year 1 - County Tax.  $1219.33 x 12 = $14631.96.  Escrow table correctly discloses non-escrowed property cost over Year 1 as $1454.   No remediation required. 2.4.20 - Exception satisfied. 
0028477011 Approved lender exception for 77.61% LTV which exceeds G/L requirement of 70% for C/O on a Coop-Combo Loan. Clayton considers non-material based on compensating factors of 45.35 months reserves VS 12 months required and DTI of 37.83% (No Data) (No Data)
0512524979      
0189641240      
0830259665      
0163768883 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0920564109      
0698076187 Borrower has no prior housing history, lived rent free with non borrowing spouse.  Guidelines require 12 month housing payment history to be eligible. 2.6.20 - Client responded. There was no housing payment history. Borrower was a first time home buyer residing at XXX and made no monthly housing (rent) payment. Property Details Report attached to verify property ownership to XXX. See also Underwriting Notes attached. 2.6.20 - Exception satisfied.
0224443300 Missing proof that HELOCs with XXX, have been paid and closed to future draws. 2.12.20 - Client responded. Proof that HELOCs with XXX have been paid and closed to future draws attached, to include Closing Disclosure, Settlement Statement and Final Title Policy (Title Insurance). 2.12.20 - Exception satisfied. 
0224443300 Missing proof that HELOCs with XXX, have been paid and closed to future draws. 2.12.20 - Client responded. Proof that HELOCs with XXX have been paid and closed to future draws attached, to include Closing Disclosure, Settlement Statement and Final Title Policy (Title Insurance). 2.12.20 - Exception satisfied. 
0224443300 A Desk Review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX. A field review has been ordered.  2.25.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.25.20 - Exception satisfied.
0578018645 Missing 12 months Rental History reflecting rent payment of $3870. (No Data) (No Data)
0660339771      
0063181093 Approved lender approved exception; (2 exceptions) Condo project single entity ownership and owner occupied presale percentage.(74.67% / 25.33% below 50% occupancy) determined review of project to be ineligible for standard approval due to these two factors, however reviewer did endorse for exception with support for the proposed risk.  Clayton Deems non-material based off compensating factors; Strong borrower credit/capacity profile, strong residual income. (No Data) (No Data)
0722343732 Allowable ROR Expiration date of XXX; disbursement date per file XXX. Dates changed on ROR. Requires LOX, Proof of Delivery and PCCD. .  2.14.20 - Client responded. Disagree: see attached PC CD with XXX disbursement date and per diem date. Funds disbursed after rescission expiration.  2.14.20 - Exception satisfied.
0790097948      
0527620912 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0527620912 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0356979259      
0214949090      
0177640574 Approved Lender exception for 30 day documentation expiration granted till XXXX for the asset statements that expired on XXXX. Non-material change in Loan terms. Clayton Deems non material due to compensating factors, Having Solid liquidity with having over XXX in PCL, strong savings and residual income. (No Data) (No Data)
0789246402 Lender approved exception for legal non-conforming zoning of land.  PCO is approving tracking request for subject property zoning legal: nonconforming. Tracking is necessary as appraiser commentary indicates that the property can definitively be rebuilt "as is" in the event of a loss. Appraiser notes that a variance would need to be obtained in order for it to be rebuilt. Because language provided does not clearly establish our legal nonconforming policy has been met. PCO is logging as tracking for this risk factor. Risk is supported by the likelihood that the variance would be approved as indicated by appraiser notes.  Appraiser elaborates that this zoning is common for the area and therefore should have no impact to marketability or valuation. This transaction is a R+T refinance of an existing XXX HFI product which already has this collateral risk in our portfolio. The proposed loan terms will not be increasing XXX risk exposure. Tracking approval is based on aComponent review of this collateral risk factor only. Overall assessment of risk and loan decision remain with XXX UW.Clayton deems non-material based on compensating factors of Appraiser states likely to rebuild with a variance and DTI 36.58% (No Data) (No Data)
0322706730 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0327979007      
0494951529 Ten Percent Tolerance fee of $117.90 for Recording Fee increased. Credit balance of $1.90 applied. remaining balance of $116.  Please provide evidence of refund to borrower or COC to address 10% tolerance.  2.7.20 - Client responded. Agree:  Fee tolerance violation.   XXX calculated refund amount of $111.     Appraisal $21 0% fee tolerance violation; recording $XXX 10% fee tolerance violation.   Lender credit for closing cost exceeding limits of $27.90.   Calculated refund of $111.   Investor did not provide how $116 calculated.   See XXX calculations and CoC attached. Remediation requested.3.27.20 - Client responded. See attached refund check, pc cd, lox, XXX calcs image, CoC documentation 2.7.20 - Exception remains. 3.27.20 - Exception satisfied. 
0252870469 $7,453 due to decrease in lender credit from $14,083.00 to $6,630.00 on final LE XXX. Requires supporting COC for decrease in lender credit, or corrected PCCD, copy of refund check, LOX and copy of shipping. 1.23.20 - Client responded. Disagree. The Lender Credit decreased to $6,630.00 (from $14,083.00) with a valid Change Circumstance of rate lock XXX The LE was disclosed to the borrower within the 3 day timing requirement (XXX).This is not a testing defect so corrective action is not required. Copy of origination system RESPA Changed Circumstance History screenshot attached. 1.23.20 - Exception satisfied. 
0861479887      
0075878995      
0918908337 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0986096742 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0430048604      
0543050232      
0565064278 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0565064278 Lender approved exception for Missing Permanent Resident card. .  Clayton deems non-material based on compensating factors of 786 qualifying score. Min required per guidelines is 680, DTI is 37.44% max per guidelines is 43% and LTV is 70%; max allowed per guidelines is 80%. (No Data) (No Data)
0727092139 Disbursement date per Final CD XXX and earliest expiration date per ROR is XXX. 2.10.20 - Client responded. Disagree: per system of record funds disbursed appropriately after rescission expiration on XXX.   See attached PC CD with corrected disbursement and per diem dates. 2.10.20 - Exception satisfied. 
0389976762 ROR Expiration date of XXX; disbursement date per file XXX.  Borrower did not receive full mandatory rescission period prior to disbursement of funds (No Data) (No Data)
0389976762 Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0389976762 ROR Expiration date is XXX; disbursement date per file XXX.  Borrower did not receive full mandatory rescission period  2.25.20 - Client responded. Disagree:  CD executed  by borrowers on XXX discloses disbursement date and per diem date of XXX after rescission expiration.  CD attached. 2.25.20 - Exception satisfied.
0482825021 A Desk review was received with a reported value of $XXX which is a variance of -25.71%% less than the review appraised value of $XXX. A reconciliation review of Original Appraisal and Appraisal Review has been ordered.  3.25.20- A Reconciliation Review comparing Original Appraised Value and Appraisal Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  3.25.20 - Exception satisfied.
0404172270 Missing proof that HELOC with XXX ending in #XXX has been closed to future draws 3.4.20 - Client responded. The loan # actually ends XXX. Proof that HELOC has been closed to future draws attached. Included: Final Closing Disclosure & Final Title Policy.  3.4.20 - Exception satisfied. 
0404172270 Missing proof that HELOC with XXX ending in #XXX has been closed to future draws 3.4.20 - Client responded. The loan # actually ends XXX. Proof that HELOC has been closed to future draws attached. Included: Final Closing Disclosure & Final Title Policy.  3.4.20 - Exception satisfied. 
0596803090      
0880963526 Approved Lender Exception for expired retirement asset account. Clayton considers non-material based on compensating factors of credit score 774, PCL $38,752.92/12 months. (No Data) (No Data)
0575349222 Final CD XXX, Section Loan Calculations, Field: Amount Financed, $XXX Original Principal Balance, $ XXXDifference is due to negative Prepaid interest -$495.81. Prepaid date is 1/1/2020 to XXX.  2.21.20 - Client responded. Disagree:  The amount finance is accurate.   Amount Financed exceeds loan amount by $495.81 which equals the per diem interest credit.   This interest credit is a rebate directly to the borrower and correctly disclosed in the Amount Financed.   There are no other prepaid charges to offset the interest credit. 2.21.20 - Exception satisfied. 
0180641362      
0443514365 Lender approved exception for post closing liquidity penalty free access. Transaction is a cash out refinance of primary residence paying off XXX ($567,437) & cash in hand ($36k) . Housing pmt. will be increasing $123 mo. Customers have limited personal liquid assets & majority of their assets are in retirement. C1 is of retirement age & he has $419,123 in retirement assets. Required PCL is 12 mos. of PITI which is $39,376. (1/2 is $19,688). Customers only have $4372 in personal liquid assets, so do not meet PCL requirement. There is a lift when customer(s) are of retirement age since they have penalty free access to those funds. So a tracking exception is made due to this lift.   Clayton deems non-material based on compensating factors 769 qualifying score. Min required per guidelines is 720, DTI is 26.18% max per guidelines is 43% and the borrower has been employed for 7 years.  (No Data) (No Data)
0651845588 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0311979074      
0111122338      
0391709270 Missing fully executed authorization to close HELOC account with XXX.  Documentation in file is not signed. 12.19.19 - Client responded. Proof that XXX has been paid and closed to future draws attached, to include Closing Disclosure, Deed of Reconveyance, confirmation of closure letter and Final Title Policy. 12.19.19 - Exception satisfied. 
0391709270 Missing fully executed authorization to close HELOC account with XXX.  Documentation in file is not signed.  Clayton considers as non-material due to compensating factors of low DTI 28.52%, LTV 63.75%, time at current job of 17 years and residual income of $10,000.79 per month. 12.19.19 - Client responded. Proof that XXX has been paid and closed to future draws attached, to include Closing Disclosure, Deed of Reconveyance, confirmation of closure letter and Final Title Policy. 12.19.19 - Exception satisfied. 
0991316851 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0397813379 Missing Affiliate Business Disclosure.  Provide copy of missing document. (No Data) (No Data)
0448299874 A Desk review was received with a reported value of $XXX which is a variance of -10.94% less than the original appraised value of $XXX. A field review has been ordered. 3.17.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  3.17.20 - Exception satisfied.
0029402901 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0029402901 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0612453596 Final CD XXX Disbursement date is XXX, which was signed XXX which is before end of statutory rescission period of XXX from the Right to Cancel.  Requires LOX, PCCD, Proof of Delivery. 2.10.20 - Client responded. Disagree.  PC CD dated XXX disclosed the correct disbursement date and prepaid interest dates which occurred after the end of the statutory rescission period on XXX.  The final settlement statement validates that the actual disbursement date and prepaid interest dates were after the end of the statutory rescission period. 2.10.20 - Exception satisfied. 
0253531793 Approved Lender exception for COOP Combination and unacceptable property.  Clayton considers non-material based on compensating factors of 27.68% DTI, additional XXX/Bonus  income not used to qualify, and LTV of 45.71%  (No Data) (No Data)
0253531793 THIS APPRAISAL IS BEING DONE "SUBJECT TO" THE COMBINATION BREAKTHROUGH OF UNIT #XXX & #XXX. - MISSING Completion Cert in File 2.21.20 - Client responded. See attached Escrow Holdback Agreement, that states property will not be completed until May 5th, 2020.  So final inspection not required yet.2.21.20 - Clayton has reviewed and a final inspection will be required once completed. At this time this is still considered an active exception but non-material.  2.21.20 - Exception remains. 
0478034267      
0617713670 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0496416372 A desk review was received with a reported value of $XXX which is a variance of -20.70% less than the original appraised value of $XXX.  A field review has been ordered. 2.28.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.28.20 - Exception satisfied.
0909259206 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0887025718      
0869008815      
0757533368      
0749998744      
0326350931 ROR disbursement date as listed is XXX; CD disbursement date as listed is XXX. PCCD is required with a disbursement date of XXX , with proof of delivery, Within 60 days of discovery. 2.21.20 - Client responded. Disagree. ROR is in compliance. Disbursement date on Final CD executed by consumers on XXX is XXX. Per system of record, actual disbursement date is XXX. Corrected CD with a disbursement date of XXX was sent to the consumers XXX. Copy of corrected CD is attached.  2.21.20 - Exception satisfied. 
0941590921      
0881262118      
0413376277 02/06/2020-2: Loan Calculations, Amount Financed as Calculated, Value:  $XXX Disclosed Amount Financed by $388.35. difference is due to Negative Prepaid Interest. Exception satisfied.  (No Data) (No Data)
0796350178      
0598344899 Lender approved exception for LTV or CLTV over maximum allowed. Current LTV 71.52%. Max LTV for this program is 70.00%.  Clayton deems non-material based on compensating factors of; low overall ratios 22.99/30.30%, long job tenure of 20 years, additional bonus income not being used, and cash reserves over 122 months PITI or $439K. (No Data) (No Data)
0373805812 Missing verification of PITI of $2,739.63 and address of REO for XXX approved loan as listed on the final 1003 and in the Underwriting Decision Summary. 2.11.20 - Client responded. The is a XXX pre-approval for purchase of a second home. No real property (address) has been identified. The proposed PITI payment of $2,739.63 was included in the qualifying DTI. See Underwriting Notes attached. 2.11.20 - Exception satisfied. 
0373805812 Missing verification of PITI of $2,739.63 and address of REO for XXX approved loan as listed on the final 1003 and in the Underwriting Decision Summary. 2.11.20 - Client responded. The is a XXX pre-approval for purchase of a second home. No real property (address) has been identified. The proposed PITI payment of $2,739.63 was included in the qualifying DTI. See Underwriting Notes attached. 2.11.20 - Exception satisfied. 
0666186753      
0984152521 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0984152521 Need proof initial CD XXX was received by borrower 3 days before consummation date of XXX. 3.17.20 - Client responded. Disagree: Borrower CD #005 was eDelivered on XXX. CD#005 was opened and acknowledged by borrowers on XXX. XXX considers in hand delivery and meets timing for XXX closing date. See attached document tracking for CD#005.  3.17.20 - Exception satisfied.
0423216499 Approved lender exception for loan closed prior to employment start date.  Clayton considers non material based on compensating factors of low LTV 46.88%, high demonstrated income potential and residual income of $31,472.26 monthly. (No Data) (No Data)
0283627866 Missing evidence that CD dated XXX  was acknowledged by the borrowers 3 days prior to consummation date of XXX 2.24.20 - Client responded. Disagree:  see attached eDelivery tracking indicating initial CD receipt on XXX. 2.24.20 - Exception satisfied.
0807760889 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0643564506 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0643564506 Final CD not legible. Legible copy of the final CD dated XXX 12.17.19 - Client responded. Disagree. See attached. 12.17.19 - Exception satisfied. 
0499709015      
0042912109 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0141616590      
0009310433 Missing verification that HELOC with XXX ending in #XXX has been closed to future draws. 1.2.20 - Client responded. Proof that HELOC with XXX #XXX has been paid and closed to future draws attached to include; Closing Disclosure, executed Demand Statement (authorization). 1.2.20 - Exception satisfied. 
0009310433 Missing Affiliate Business Disclosure.  Provide copy of missing document. (No Data) (No Data)
0009310433 Missing verification that HELOC with XXX ending in #XXX has been closed to future draws. 1.2.20 - Client responded. Proof that HELOC with XXX #XXX has been paid and closed to future draws attached to include; Closing Disclosure, executed Demand Statement (authorization). 1.2.20 - Exception satisfied. 
0815783276 A Desk review was received with a reported value of $XXX. which is a variance of -11.76% less than the original appraised value of $XXX. A field review has been ordered 3.13.20- A Field Review was received with a reported value of $XXXwhich supports the original appraised value of $XXX.  3.13.20 - Exception satisfied.
0891883504 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0891883504 Approved lender exception for missing updated IRA stmt with XXX. Clayton deems non-material based on compensating factors of 75% LTV vs 80%, 24.99 months PITI reserves vs 12 months, and residual income of $12,808.62 (No Data) (No Data)
0614343789      
0330876050      
0508743030      
0054666582 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0688153781      
0574802771 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0904937257      
0992925460 ROR Expiration date of XXX; disbursement date per Final CD is XXX 4.1.20 - Client responded. Disagree: Per system of record, funds disbursed correctly after rescission expiration on XXXX. PC CD issued to borrowers correcting disbursement date and per diem date. No additional remediation required. See attached PC CD. 4.1.20 - Exception satisfied. 
0992925460 Lender Exception approved for Multiple Financed properties exceeding maximum of 4.Primary R/T HFI XXX Rate reduction 4.25% to 3.75% with a payment reduction in the amount of $190.00 per month.Refi to pay off XXX 1st and Subordination of 2nd HELOC in the amount of $120,000. Clayton deems non material due to compensating factors, Borrower is a seasoned investor with several mortgages paid as agreed, low DTI 25.73%, good savings. PCL verified at 45% vs 35% required. (No Data) (No Data)
0758558863      
0567066302 Missing 2017 W-2 for B2. 1.15.20 - Client responded. No 2017 W-2 was applicable. 2018 Form IR8A for year-end 2017 for B2 attached. Borrower was employed in XXX in 2017; XXX XXX. XXX is headquartered in XXX 1.15.20 - Exception satisfied. 
0567066302 Missing copy of Visa related to citizenship/residency for B2. 1.15.20 - Client responded. See attached document that was used as proof of residency. 1.15.20 - Exception satisfied. 
0567066302 Approved lender exception for no credit score not meeting minimum credit history for primary wage earner B2.  Clayton considers non-material based on repayment mortgage history of XXX property, B1 with mid score of 818 and good ability to repay with residual income of $23,419.34 monthly.  (No Data) (No Data)
0567066302 Missing 2017 W-2 for B2. 1.15.20 - Client responded. No 2017 W-2 was applicable. 2018 Form IR8A for year-end 2017 for B2 attached. Borrower was employed in XXX in 2017; XXX  XXX. XXX. is headquartered in XXX 1.15.20 - Exception satisfied. 
0567066302 A Desk review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of XXX. A field review has been ordered. 2.24.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.24.20 - Exception satisfied.
0665003731      
0972480194      
0096428484      
0270305714      
0697169855 Approved lender exception for allowing the use of rental income with <2 years property management experience. Clayton deems non-material based on compensating factors of 11 years with current employer, 128.14 months PITI reserves vs 12 months required, and 774 FICO (No Data) (No Data)
0024666365      
0845535508 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0845535508 a Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data)
0845535508 Missing completed and signed Form 4506-T for both borrowers. 2.11.20 - Client responded. Not Required.  Relocation loan and see XXX AUS cert. that did not require a signed 4506-T.  2.11.20 - Exception satisfied. 
0885074769      
0387255237 A Desk Review was received with a reported value of $XXX, which is a variance of 23.81% less than the original appraised value of $XXX. A field review has been ordered. 2.26.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.26.20 - Exception satisfied.
0299349768 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0446571853      
0866388863 Missing proof that HELOC with XXX #XXX has been paid and closed to future draws, authorization to close has not been signed/dated by borrowers. 2.21.20 - Client responded. Confirmation of Closure of XXX #XXX HELOC, Closing Disclosure and Final Title Policy attached 2.21.20 - Exception satisfied. 
0866388863 Allowable ROR Expiration date of XXX; disbursement date per file XXX.  Loan funds were disbursed prior to mandatory rescission period expiration date. Requires LOX, PCCD, Proof of Delivery. 2.25.20 - Client responded. Disagree:  see attached PC CD with disbursement date and per diem date XXX Funds disbursed appropriately after rescission expiration. 2.25.20 - Exception satisfied.
0866388863 Approved Lender exception for use of Penalty Free Retirement to Meet PCL. B1 is a W2 employee. B2 is unemployed. Clayton deems non-material based on compensating factors of; refinance reduces customers monthly payment by $1,827.08, borrowers' income is sufficient as ratios are 30.46%. The First loan is XXX and the second is XXX.  LTV is 26.65, and Credit Score 805. (No Data) (No Data)
0866388863 Missing proof that HELOC with XXX #XXX has been paid and closed to future draws, authorization to close has not been signed/dated by borrowers. 2.21.20 - Client responded. Confirmation of Closure of XXX #XXX HELOC, Closing Disclosure and Final Title Policy attached 2.21.20 - Exception satisfied. 
0866388863 A Desk review was received with a reported value of $XXX which is a variance of -23.91% less than the original appraised value of $2XXX. A field review has been ordered.  3.9.20 - A Field review was received with a reported value of $XXX which is a variance of -13.04% less than the original appraised value of $XXX.3.12.20 - Client responded with rebuttal. 3.12.20 - Clayton has reviewed and sent to third party team to forward rebuttal to vendor for commentary. 3.27.20 - Vendor has responded with commentary and stand by original Field Review value of $XXX. 4.1.20 - Client has responded and rebuttal sent to vendor for appraiser commentary.5.5.20- A Revised Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  3.9.20 - Exception remains. 3.12.20 - Exception remains. 3.27.20 - Exception remains. 4.1.20 - Exception remains. 5.5.20 - Exception satisfied.
0052264422 Approved lender exception for condo with commercial space exceeds 35% to include the XXXX.  Clayton considers non-material based on commercial space common in the area, borrowers with low DTI 27.23%, credit score of 781 and residual income of $28,235.72 per month. (No Data) (No Data)
0458741351      
0027375279 ROR Expiration date is XXX, CD disclosure disbursement date is XXX. The Mortgage Notary date was acknowledged on XXX making the Earliest ROR Expiration Date: XXX. Reopen Rescission and provide borrower with entire Three (3) Day rescission period 3.11.20 - Client responded. Disagree: Loan consummation on XXX. CD, Note, and Deed of Trust signed/notarized on XXX. Deed of Trust was re-recorded due to missing PUD rider. This does not require open rescission.  3.11.20 - Exception satisfied. 
0596614185 Borrower 2 is the primary wage earner and mid score of 687 is below the minimum credit score for this program is 720. Did not see a lender exception for this in file.  1.30.20 - Client responded. Exception approval in Underwriting notes: Underwriter/Reviewer's Decision: APPROVAL Logic: PCO reviewer is approving required exception for 687 FICO score on this cash-out refinance transaction (minimum 720 FICO required). The borrower's lower FICO score is due primarily to two isolated derogatory occurrences each of which are seasoned over 2 years prior one is a XXX from January of 2016 and a 1x30 on a XXX account in 1/2017. Additionally having an impact on b2's credit score is a high XXX (borrower's combined RDU is 87.46%). While the XXX is high the borrower's XXX of 15.84% is indicative of the fact that their debt is within manageable ranges in terms of ATR. While the 2 delinquencies are present, they are the only derogatory events in the borrower's well-established credit history consisting of 28 tradelines dating back to 2000 and the borrowers have over 16 years of paid as agreed XXX mortgage history (over several different trade-lines). Further offsetting the risks on this transaction is the borrowers is the borrower's quality ATR profile with 15/22% ratios, long term stable employment for b1 (over 15 years a XXX), over $22,000 per month residual income, and just under $500 per month in monthly mortgage savings on this transaction. 1.30.20 - Exception remains. 
0596614185 Payoff closure letter not signed and to show that the HELOC has been paid in full and closed to future draws. 2.26.20 - Client responded. See attached Title Policy showing no 2nd lien on subject property. 2.26.20 - Exception satisfied.
0596614185 A desk review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX. A field review has been ordered. 2.7.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.7.20 - Exception satisfied.
0121728219 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0229174358      
0900410794      
0907910824      
0507906396      
0839597392      
0287509371 H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 1.28.20 - Client responded. Disagree:  Title Commitment Schedule B-I list XXX as mortgage holder dated 9/30/2019.   Model Form H-9 correct form for lender to lender refinance transaction.   See attached Schedule B-I. 1.28.20 - Exception satisfied. 
0265972722 Seller fees listed on Seller CD but not Borrower final CD. Fees are showing on Sellers CD and therefore is not material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data)
0551106617 Approved Lender exception for Limited liquid assets; Reviewer confirms borrowers meet penalty free access requirementsto utilize retirement assets towards 100% of qualifying reserves. Note: no risk assessment was completed as part of this XXXrequest.  Clayton deems non-material based on compensating factors of  YTD income appears to be much higher than what is being used to qualify. Borrower on file for nearly forty years with flawless repayment history on all debt; minimal debt outside of loan. All three liens to be paid off are also with XXX and paid as agreed.  (No Data) (No Data)
0732060064 Approved Lender exception for use of Penalty Free Retirement to Meet PCL.  B1 is of retirement age and there are no penalties for withdrawal of 401K.   FICO:768 Credit depth: 33 trade lines on file for 42 years , Derogatory credit and public records: 33 of 33 paid as agreed , no public records, Housing payment history: History of 5 mortgages , highest was 660k, XXX: 12.43 XXX: XXX: 6.5 , Total Revolving debt: $20495 , No installment debt. Clayton deems non-material based on compensating factors of 768 qualifying score. Min required per guidelines is 720, DTI is 30.12% max per guidelines is 43% and LTV is 43.94%; max allowed per guidelines is 70%. (No Data) (No Data)
0407861797 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0572567581      
0905413073 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0905413073 Approved lender exception for B2 lack of credit activity within the last 12 months. Clayton considers non-material based on compensating factors of strong equity in departing residence, 48.17 months PITI reserves VS 12 months required, and 786 FICO (No Data) (No Data)
0111515188 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0290911310 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0815799280      
0040513115 Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0987277079 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0486886922      
0066460386 Zero  % tolerance: $300 zero tolerance due to increase in subornation fee without a valid CoC.Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 2.25.20 - Client responded. Disagree: CoC in file for $250 subordination fee added to XXX Loan Estimate #5. No CoC for increase from $250 to $300. XXX included $50 credit for increase in closing cost above legal limit on CD executed by borrowers on XXX. No additional remediation required. See attached CoC documentation.  2.25.20 - Exception satisfied.
0066460386 Approved lender exception for short PCL; total required PCL$22,210.26.  Borrower liquid assets $13,938.95 and is short $8,271.31.  Clayton considers non-material based on compensating factors low DTI 33.39%, credit score 758 and residual income of $11,656.12 per month. (No Data) (No Data)
0788221083 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0150569991 Exception satisfied by PCCD XXX.Finance charge understated by $-1659.36 on final CD XXX. Missing list of fees included in APR and breakdown of credits when applicable. (No Data) (No Data)
0150569991 Exception satisfied by PCCD XXX.Amount Financed as Calculated after review completed to be $716,846.50. Final CD XXX, Section: Loan Calculations, Amount Financed total states $XXX Difference of $1659.36. (No Data) (No Data)
0150569991 Missing proof that HELOC has been paid and closed to future draws : XXX bank XXX 2.26.20 - Client responded. See attached Title Policy that shows no 2nd lien attached to subject property. 2.26.20 - Exception satisfied.
0773333636      
0654382150 Missing copy of executed 2nd lien (HELOC) Line Agreement, in the amount of $XXX with XXX 2.13.20 - Client responded. There was no XXX $XXX 2nd lien / simo HELOC due to the appraised value lower than anticipated on subject property. 2.13.20 - Exception satisfied. 
0654382150 Missing proof that XXX HELOC #XXX have been paid and closed to future draws. 2.13.20 - Client responded. Proof that XXX HELOC #XXX has been paid and closed to future draws attached, to include Closing Disclosure, executed Payoff Statement, Settlement Statement and Final Title Policy (Title Insurance). 2.13.20 - Exception satisfied. 
0654382150 86% HCLTV exceed  guidelines max of 80% by 6 points.  Per comment, on the UDS dated 01/06/20, the Lender closed a $XXX simo HELOC with no initial draw.   Total loans $XXX($XXX) / av $XXX = 86.15%. 2.13.20 - Client responded. Total loan transaction was $XXX LTV / TLTV / CLTV = 80%. There was no lender simo HELOC for $XXX due to the appraised value lower than anticipated on subject property. 2.13.20 - Exception satisfied. 
0257299882 Lender approved exception for Coop Combination  (used unacceptable property type in CORE and NRRS as COOP combo not in drop down) Underwriter/  Risks COOP combo ARM Housing shock $7076 to $8258 Offsets 61% LTV 17/17% ratios R/ T  paying off HFI first 7/1 full am ARM Job time 4 years for both Residual income $47k Ability to save Liquid PCL $381k Gross retirement $439k Low re debt $7835 MC:1 Logic: Borrowers are  completing a R/T refinance to pay off HFI first on unit XXX and purchase unit XXX and then combine the units. No other properties owned. . Clayton deems non-material based on compensating factors of 794  qualifying score. Min required per guidelines is 720, DTI is 15.00% max per guidelines is 43% and  LTV is 60.27%; max allowed per guidelines is 70%. (No Data) (No Data)
0833201387      
0623212936      
0216887386      
0595309566 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0006246739 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0006246739 Approved lender exception for PCL shortage of $-17,173.70. Clayton considers non material based on DTI of 33.35%, residual income of $13,727.77, Qualifying FICO of 800 vs 720 required, and additional income from B2 not used to qualify.  (No Data) (No Data)
0143613020 H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 2.25.20 - Client responded. Disagree:  XXX  listed on page 3 of Title Commitment as Lender.   H9 acceptable ROR model form.  See attached. 2.25.20 - Exception satisfied.
0892452284 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0875564480 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0400794719      
0151931353 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0972228840 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0186106294 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0564354201 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0970143808      
0109879421      
0147088588      
0975143436 A desk review was received with a reported value of $XXX which is a variance of  XXX% less than the original appraised value of $XXX.  A field review has been ordered. 2.6.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.6.20 - Exception satisfied.
0586695440 Missing proof that HELOC has been closed to future draws; the file contains 2 unsigned copies of the request to payoff and close the HELOC. 1.27.20 - Client responded. Proof that HELOC with XXX (XXX) #XXX has been paid and closed to future draws attached, to include Closing Disclosure, Final Title Policy (Title Insurance) and executed Authorization to Close Line of Credit document. 1.27.20 - Exception satisfied. 
0586695440 Missing proof that HELOC has been closed to future draws; the file contains 2 unsigned copies of the request to payoff and close the HELOC. 1.27.20 - Client responded. Proof that HELOC with XXX (XXX) #XXX has been paid and closed to future draws attached, to include Closing Disclosure, Final Title Policy (Title Insurance) and executed Authorization to Close Line of Credit document. 1.27.20 - Exception satisfied. 
0698879646 Lender approved exception for unpaid XXX Charge off 10/2019 greater than $500.00 ($19569) within two years of application date, offsets required 12 months reserves actual amount is ($423251) 113 months and DTI 25.52 % max is 45%  (No Data) (No Data)
0670241357 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0852748382 A Desk review was received with a reported value of $XXX. which is a variance of XXX less than the original appraised value of $XXX. A field review has been ordered.  2.03.20 - A Field review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX.2.7.20 - Client responded. Original appraisal gave most weight to XXX due to similar bed/bath count, GLA, condition/quality, and age and XXX for similar in GLA, bed count, condition, age, and location. Review appraisal gave most weight to XXX because it was noted to be of similar condition.Review appraisal indicates excess location adjustments, however provides no explanation as to why they are excessive and provides no data to support this. Review of third party data sources indicates sales located XXX do have lower sales prices than the areas to the XXX, which supports the original appraisers analysis and application of a an adjustment. Review appraisal also states in the summary of value conclusion section the following about XXXfor some reason sold lower than properties in the area. which further suggests a location adjustment is warranted. XXX does appear to have superior kitchen and bath updates which the original appraiser has addressed and adjusted for. XXX, given most weight in review appraisal, does have an updated kitchen similar to the subject however the overall quality and condition is inferior to the subject. Subject has updated trim throughout the home (baseboards, door/window casings, and crown molding), and superior updates in the bathroom. One item which appears to have been overlooked in the review appraisal analysis is the subjects flat lot. With the flat lot the subject property has superior utility, compared to XXX. This superior lot utility was utilized and identified in the MLS marketing for this purchase transaction noting its expansion potential. Of the 3 sales given weight in the original appraisal and review appraisal XXX, from the original appraisal, are considered the most reasonable substitutes due to the numerous features these sales have in common with the subject as well as having similar lot utility (flat lot), with potential for expansion. Lot utility and potential for expansion appears to have played a significant role with this property due to its (XXX) above asking price offer and short (5 day) marketing time.2.7.20 - Clayton has sent rebuttal to third party to forward to vendor. 2.12.20- A Revised Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.03.20  Exception remains. 2.7.20 - Exception remains. 2.12.20 - Exception satisfied.
0745820727 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0661933393 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0434461378 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0966930038 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0073568834 MA Borrower Interest Worksheet is missing. (No Data) (No Data)
0073568834 Lender approved exception for LTV exceeding guidelines; LTV is 75% and maximum allowed LTV is 65%.   Clayton considers non-material due to compensating factors including strong real estate market in XXX County, MA; strong ability to repay profile with 6.358%/10.039% ratios, long term stable employment history with 19 years in current job, and over $133,000 per month residual income.  (No Data) (No Data)
0073568834 Cash out $710,943.72 exceeds the maximum cash out for LTV greater 65% is $400,000. (No Data) (No Data)
0124118369 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0832406984 Missing Affiliate Business Disclosure.  Provide copy of missing document. (No Data) (No Data)
0332825603 Certification of Trust is not executed by the borrowers, as is required per guides.  2.11.20 - Client responded. Certification of Trust executed by the borrowers attached to include Final Title Policy (Title Insurance).  2.11.20 - Exception satisfied. 
0026931308 A Desk review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX. A field review has been ordered. 2.14.20- A Revised Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.14.20 - Exception satisfied.
0069823872 Bank printout from XXX history from May 2018 to Oct 2019 provide to document housing history, however unable to tie the account belonging to B1 (nothing in file to associate account belongs to B1) but can determine that rent payments are being made from the account but not who is making them.  (No Data) (No Data)
0796616278 Lender approved exception for 90 day cash recoup as documentation provided confirms subject cash purchase within 90 days of NSD application date. Funds utilized for purchase have been sourced back to b's own assets. Schedule B history supports basis that the funds used are seasoned and not borrowed. Loan meets all qualifications for cash recoup. Overall offsets of note to the new money risk include the strong post-close reserve position which covers the entire loan amount 9 times over, low LTV, add'l investment income and 2 sources of stable W2 employment. Credit profile adheres to portfolio expectations  and collateral is deemed acceptable for risk presented. RISKS: $750,000 new money/ 90 day recoup OFFSETS: strong post-close reserves  (9x loan amount)/stable employment/  add'l investment income/ depth and scope to credit profile/ low. . Clayton deems non-material based on compensating factors of  799 qualifying score. Min required per guidelines is 720, DTI is 40.90%, max per guidelines is 43% and LTV is 62.58%; max allowed per guidelines is 70% (No Data) (No Data)
0183409537 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0496151433 MA Borrower Interest Worksheet is missing. (No Data) (No Data)
0381644460      
0510226110 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0510226110 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0638553428 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0638553428 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0638553428 Initial CD issue date is XXX closing date is XXX, and the 3 day waiting period was not met. 3.20.20 - Client responded. Disagree.  Borrower CD #005 was eDelivered on XXX.  CD#005 was opened and acknowledged by borrowers on XXX.  XXX considers in hand delivery and meets timing for closing date XXX.  see attached document tracking for CD#005. 3.20.20 - Exception satisfied. 
0989179353 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0827362803      
0331670106 A Desk review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX.  A field review has been ordered.  2.19.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.19.20 - Exception satisfied.
0176325343      
0772531540 Lender approved exception for expired credit documentation up to 30 days, asset documentation in file is expired and exception extends asset documents for up to 30 days.  Clayton deems non-material due to compensating factors including LTV of 65.11% with maximum LTV allowed of 80%, excellent repayment history on all accounts reporting on the credit report, and overall conservative use of revolving and installment debt, and no assets are required for closing and HFI to HFI refinance program does not require reserves. (No Data) (No Data)
0883191688 (1)  Missing a 2nd statement for the XXX account ending in XXX. Guidelines require 2 months asset statements. The loan file contains one month dated XXX.(2)  Missing funds access letter for the XXX account ending in XXX from XXX. 2.4.20 - Client responded. 1- Two months XXX account statements XXX attached.  2- Access letter for the XXX account ending XXX was not required. There is no guideline requirement for an access letter. 2.4.20 - Exception satisfied. 
0935135319      
0509172664      
0387913058 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0387913058 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0941628554      
0811218162 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0811218162 CD dated XXX, Projected Payments section Estimated Taxes, Insurance and Assessments reflects a monthly amount of $1,716.03. $1,716.03 by 12 months equals $20,592.36. However, Page 4 Non-Escowed Property Coast over Year 1 reflects $14,423.00 .  3.17.20 - Client responded. Agree:  ETIA amount of $1716.03 is correct based on Hazard Dec, Tax Cert, and HOA dues.  Page 4 escrow discloses incorrect non escrow property cost over 1 year.  Page 4 correct amount is $$20,592.36. Remediation requested.3.19.20 - Client responded. See attached PC CD, LOX 3.17.20 - Exception remains. 3.19.20 - Exception satisfied. 
0638636821 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0239866751      
0652945414 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0652945414 Lender approved with exception Condo 39.16% Commercial use space. Clayton deems non material and down graded with compensating factors of having 32 months of PCL required PCL is 12 months, No negative housing trends and strong overall customer profile. (No Data) (No Data)
0653662535 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0213695160 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0213695160 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0213695160 Lender approved exception for Appraisal expired - u/w extended 10 days past the 1 year mark. Unacceptable collateral. Reason: Approving the exception in order to move the file forward. Docs sent to escrow XXXX The u/w signed off the 1004D from the  expiration in November on XXXX, CORE Changed  the stip on XXXX to Additional information required - Document Expired, u/w signed  off again on XXXX. CORE again revised the stip to additional information required  The expiration date in the document image used to satisfy the stipulation has been reached. Underwriter/ Reviewer's Recommendation: Risks - Appraisal over 1 year old as of December 20, 2019 Property DOM & predominant Value exceed typical Payment shock Offsets- LTC/CLTV 59.4%/59.4% Value in $22,500 more than the sales price, net to seller is higher Long term Employment Minimal debt users. Borrowers were approved in 2018, same subject property XXX. File was cancelled in September 2019, new  NSD of XXXX, used the same appraisal. Per CORE notes, cancelled due to borrower not wanting the credit re-pulled. After  Speaking with the XXX , he advised the buyer's departure fell out of escrow and the seller kept it available for the buyers. A new Purchase contract was executed for a lower sales price & only one realtor representing both parties, estimated closing statement shows only charging 2%. If considered a non-arm's length  no indication of a bailout - seller owes less than $50,000, primary & EMD has been validated. Appraisal dated 12/20/2018, 1004D received 04/16/19, Additional 1004D received 11/27/19, appraiser noting no change in value. Original appraisal - Values stable, demand in balance, mkt time less than 3 months,  Exceeds predominate value, however not over the high value for the area, appraiser notes no adverse site conditions & conforms to the neighborhood. Comps provided were within a mile, less than a year old with typical adjustments. Comps also provided  with similar Historical designation, all comps in the subject neighborhood. Appraiser notes DOM & value differences due to GLA & historical designation (lower property taxes), noted not an over improvement for the area. Clayton deems non-material based on compensating factors of  782 qualifying score. Min required per guidelines is 680, DTI is 34.52%, max per guidelines is 43% and LTV is 59.40%; max allowed per guidelines is 80%  2.24.20 - Client responded. Additional support for exception: Market noted to be stable; valuation updates indicated no change in market value - most recent XXXX; loan closed 10 days after expiration of origination appraisal. 2.24.20 - Exception remains. 
0838781033      
0516679625      
0776821255 Application Date XXX.  Closing date XXX 2.20.20 - Client responded. Disagree:  TX 50a6 one day prior was eDelivered on 12/26/2019.   Borrower open and acknowledged package.  XXX considers in hand delivery.   See attached CD#007 and system tracking for 'TX50a6 one day prior'.  CD#007 has issue date XXX but was eDelivered on XXX per system tracking. 2.20.20 - Exception satisfied.
0776821255 Application Date XXX.  Closing date XXX 2.20.20 - Client responded. Disagree:  see attached loan application eDelivered and time stamped 11/1/2019.  Initial loan package eDelivered on 11/1/2019 and opened and acknowledged by borrower on 11/1/2019.  XXX considers in hand delivery.  See attached Loan App and system document tracking. 2.20.20 - Exception satisfied.
0493284315      
0055110221 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0250306049      
0263537948 Lender approved exception for Short PCL with Gift, Payment shock, max financing Offsets low ratios, high residual, high retirement, potential for Increased income, Logic Borrowers are looking to purchase a primary residence in XXX NY. The Borrowers are short 3 months PCL due to multiple reasons laid out by the borrower in (LOE in file). Based on the LOE and the borrowers profile PCO is approving the Short PCL exception. Borrowers Have demonstrated an ability to repay and have other offsetting factors. B1 is employed with XXX and makes over 200k per year. Base income used to qualify. Borrower Earns additional income not used. Borrower explains that additional bonus is coming which will only be added to savings as borrowers have little debt load. Borrower 2 works at the XXX and has base income as well for 20 years. Borrowers combined income is very strong and can handle the increase mortgage payment. The borrowers do have payment shock however with the low ratios and high residual income the borrowers can handle it. Clayton deems non-material based on compensating factors of 766 qualifying score. Min required per guidelines is 680. DTI is 24.76%, max per guidelines is 43% and the borrower has been in current profession for 20 years.  (No Data) (No Data)
0649165515 Lender approved exception for cash back exceeding guideline max allowed on the rate/term refinance transaction.   Compensating factors include low DTI (22%),  no derogatory credit history, low revolving debt usage.$66,221 in residual income nd 53 months PCL.  Clayton considers as non-material base upon the compensating factors/ (No Data) (No Data)
0649165515 Missing 1004D THIS APPRAISAL IS MADE "SUBJECT TO" REMOVAL OF THE SECOND KITCHEN AND THE BREAKTHROUGH OF THE COMMON WALL BETWEEN 3M & 3L TO COMBINE THE UNITS. 2.26.20 - Client responded. See attached Escrow Holdback Agreement showing that the property is not scheduled to be complete until 7/15/20.  So no final inspection required yet.2.26.20 - Clayton has reviewed and Escrow Holdback provided. Completion cert will need to be provided before sale of loan but Clayton deems non-material at this point.  2.26.20 - Exception remains. 
0152605952      
0773170822 Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0773170822 ROR disbursement date is XXX, CD Disbursement date is XXX statutory rescission period has not been met.PCCD with a disbursement date of XXX is required along with proof of delivery, and New NORTCs to all entitled to rescind to  re-open rescission (2 for each recipient). Within 60 days of discovery. 2.25.20 - Client responded. Disagree:  per system of record, disbursement confirmed on XXX.  PC CD issued to reflect correct Disbursement date and per diem date.  CD attached. 2.25.20 - Exception satisfied.
0090098377      
0067690391 Missing proof that HELOC with XXX #XXX has been paid and closed to future draws, authorization in file has not been signed and dated.  2.12.20 - Client responded. Proof that HELOC with XXX #XXX (XXX) has been paid and closed to future draws attached, to include Closing Disclosure, Settlement Statement and Final Title Policy (Title Insurance). 2.12.20 - Exception satisfied. 
0067690391 Missing proof that HELOC with XXX #XXX has been paid and closed to future draws, authorization in file has not been signed and dated.  2.12.20 - Client responded. Proof that HELOC with XXX #XXX(XXX) has been paid and closed to future draws attached, to include Closing Disclosure, Settlement Statement and Final Title Policy (Title Insurance). 2.12.20 - Exception satisfied. 
0995089380      
0020240931 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0527681168      
0716570777      
0691481234      
0517111211 Missing Repayment Ability Worksheet and Net Tangible Benefit. (No Data) (No Data)
0212802515 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0502569024 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0502569024 Lender approved exception for Unacceptable Property Type in that Subject property exceeds maximum allowable acreage; Clayton deems non-material based on the compensating factors of 543mo. reserves, $44k/mo. residual income and 10 years at the same job.  2.3.20 - Client responded. Additional support for exception: Exception notes indicate this is a XXX in Minnesota, 2nd home market.   Comp #3 was also a log home.  The issue was the collateral consists of XXX acres which is uncommon but not completely atypical.   The appraiser was able to identify all 4 comps on acreage ranging from 35 acres to 160 and so pulling sales for up to 25 miles away is not unreasonable.   These are also XXX properties.   CRT 2nd level report graded the property A2 and that value / marketability was supported.  Subject is also located in XXX. The decision to move forward was based on a very strong customer profile of a high wage earner with over $1.5 MM in reserves and low ratios of 7 / 40%. 2.3.20 - Exception remains. 
0031042677      
0139328346      
0409087520      
0168332797 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0401771554      
0534772069      
0853300137 Seller fees listed on Borrower CD but not on the Sellers CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data)
0853300137 Fees reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data)
0175570953 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0175570953 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0976914039 A Desk Review was received with a reported value of $XXX, which is a variance of 12.63% less than the original appraised value of $XXX. A field review has ordered.  2.27.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.27.20 - Exception satisfied.
0604718244      
0017438879      
0225929685      
0400517747 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0817087141      
0376949180 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0376949180 File is missing acknowledgement of receipt of CD 3 days prior to consummation date of XXX 2.18.20 - Client responded. Disagree:  see attached eDelivery tracking indicating initial CD receipt on XXX 2.18.20 - Exception satisfied. 
0571251354      
0121920863 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0121920863 Approved lender exception for no mortgage/rental history covering the most recent 12 months, offsets Large investment towards purchase at 59.24%ltv/cltv and residual income $15,000.00. Clayton deems non-material based on compensating factors of 801 qualifying score. Min required per guidelines is 680  LTV is 59.24%; max allowed per guidelines is 80% and DTI is 31.80%, max per guidelines is 43% (No Data) (No Data)
0589770587      
0945332449 Allowable ROR Expiration date of XXX; disbursement date per file XXX. Loan funds were disbursed prior to mandatory rescission period expiration date.  2.18.20 - Client responded. Disagree: see attached PC CD with disbursement and per diem date XXX. Fund disbursed appropriately after rescission expiration.  2.18.20 - Exception satisfied. 
0382923592 All ROR's in file for Borrower and the NBS are Not Signed. Cannot determine if funding date is after rescission period. (No Data) (No Data)
0184084543 Seller fees listed on Final Alta Settlement Statement but not on Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data) (No Data)
0184084543 Lender approved exception for borrower having less than 2 years property managementexperience with use of rental income. Clayton considers as non-material based upon the compensating factors of Cash reserves exceeding guidelines. (No Data) (No Data)
0361062954 1. Missing executed evidence that the XXX HELOC has been paid and closed to future draws 2. Missing copy of the XXX  Heloc Agreement for $200,000. 2.20.20 - Client responded. 1- Proof that XXX HELOC has been paid and closed to future draws attached, to include Closing Disclosure, Settlement Statement and Final Title Policy (Title Insurance). Final Title Policy to reflect new XXX 1st lien of $XXX and 2nd of $XXX.  2- XXX Home Equity Account Agreement and Disclosure Statement for $XXX attached. 2.20.20 - Exception satisfied.
0361062954 Missing copy of the XXX Heloc Agreement for $XXX. 2.20.20 - Client responded. XXX Home Equity Account Agreement and Disclosure Statement for $XXX attached.  2.20.20 - Exception satisfied.
0361062954 Missing executed evidence that the XXX HELOC has been paid and closed to future draws 2.20.20 - Client responded. Proof that XXX  HELOC has been paid and closed to future draws attached, to include Closing Disclosure, Settlement Statement and Final Title Policy (Title Insurance). Final Title Policy to reflect new XXX 1st lien of $XXX and 2nd of $XXX. 2.20.20 - Exception satisfied.
0361062954 A desk review was received with a reported value of $XXX which is a variance of -13.79% which is less than the original appraised value of $XXX. A Desk Review is recommended 2.26.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX 2.26.20 - Exception satisfied.
0537872862 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0607500115 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0607500115 Missing Seller CD. 2.6.20 - Client responded. See attached certified Seller CD.  Located in file delivered pages 291-292. 2.6.20 - Exception satisfied.
0607500115 Lender approved exception for Number of mortgaged properties exceeds guideline limit as properties owned are more than 4 and primary residence or 2nd home: multiple owned properties is more than 5 - regardless of financing. Borrower XXX is purchasing the 2nd home. It is noted that XXX and they will be living in the subject property, which is following the purchase for direct family to occupy. XXX the father owns the 8 properties listed and the subject will make 9. The required reserves will be 50% of the total liens which is $3,552,583.34 x 50% = $1,776,291.67. Borrower has a total of $3,531,804 in retirement and $2,822,718.04 (stock) which the borrower will be liquidating $249,000 for the purchase of the subject. Borrower has long term employment, potential for increased earnings.  Clayton deems non-material based on compensating factors of  809 qualifying score. Min required per guidelines is 680, DTI is 30.96% max per guidelines is 43% and Borrower 3 has been in current profession for 19 years. (No Data) (No Data)
0848405652 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0093824078 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0153106253 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0141601558 Lender approved exception for insufficient reserves.   Clayton deems non-material based on compensating factors of 790  qualifying score. Min required per guidelines is 720, DTI is 38.34% max per guidelines is 43% and  LTV is 58.67%; max allowed per guidelines is 70%. (No Data) (No Data)
0873525496 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0763975052      
0574315880 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0735188950 Approved lender exception for FTHB escrow waiver.  Clayton considers non-material based on compensating factors of low credit usage, low DTI 14.29%, B1 in same profession for 12 years and residual income of $21,248.45 per month. (No Data) (No Data)
0735188950 Approved lender exception for no rental payment history covering most recent 12 months.  Clayton considers non-material based on compensating factors of low credit usage, low DTI 14.29%, B1 in same profession for 12 years and residual income of $21,248.45 per month. (No Data) (No Data)
0463185065 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0295394512 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0344949400 Missing MA Borrower Interest Worksheet. (No Data) (No Data)
0344949400 Missing Mortgage.  Provide copy of missing document.  2.13.20 - Client responded. See attached Mortgage for the subject property. 2.13.20 - Exception satisfied. 
0404038797      
0045372676 Lender approved exception for required reserves net met and short $320.  Required PCL is $40128. Available liquid assets after FTC is $19744. Borrower has 79k in retirement assets and max Allowed for PCL is $20064. With $7900 in residual income, borrower will be able to make up PCL gap in less than one month.   78% payment shock, $45k gift funds, max financing, FTHB. Offsets: Employment stability, minimal use of revolving debt, positive income trend. Clayton deems non-material based on compensating factors of low DTI of 29.81, max per guidelines is 43%.. 796 qualifying score. Min required per guidelines is 680 and borrower has been employed for 6 years.  (No Data) (No Data)
0117467289 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0117467289 Approved lender exception for no rental or mortgage history in the last 12 months. Clayton deems non-material based on compensating factors of a DTI of 26.46%, PITI reserves of 32.21 months vs 12 months, and residual income of $14,156.07 (No Data) (No Data)
0428827678 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0428827678 A Desk review was received with a reported value of $XXX, which is a variance of -10.5263% less than the original appraised value of $XXX. A field review has been ordered.  3.2.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  3.2.20 - Exception satisfied.
0060360382      
0388660807      
0184849577 CD: XXX [Last CD], Section: Loan Calculations, Field: Amount Financed $481,095.61; Amount Financed as Calculated $480,975.61Reviewer: Amount Financed is higher than Clayton's calculated by $120 2.25.20 - Client responded. "Disagree. XXX disclosed finance charge $278,772.24, XXX testing calculated Finance Charge  $278.772.42 and within tolerance.   Amount Financed calculated amount within tolerance of disclosed amount.Recording fees include $360 to record mortgage/DOT, $80 to record municipal lien certificate, and $35 for Homestead declaration.Total Prepaids are $3904.50 consisting of $1450.00 Processing, Relock at Market Rate $606.25, Tax Service $80.00, Title - Closing/Escrow $750.00, Title - Closing Protection Letter $25.00, and Prepaid Interest $993.25.  2.25.20 - Exception satisfied.
0184849577 CD: XXXX [Last CD], Section: Loan Calculations, Field: Amount Financed $XXX; Amount Financed as Calculated $XXX Reviewer: Amount Financed is higher than Clayton's calculated by $120. 2.25.20 - Client responded. "Disagree. XXX disclosed finance charge $278,772.24, WF testing calculated Finance Charge  $278.772.42 and within tolerance.   Amount Financed calculated amount within tolerance of disclosed amount.Recording fees include $360 to record mortgage/DOT, $80 to record municipal lien certificate, and $35 for Homestead declaration.Total Prepaids are $3904.50 consisting of $1450.00 Processing, Relock at Market Rate $606.25, Tax Service $80.00, Title - Closing/Escrow $750.00, Title - Closing Protection Letter $25.00, and Prepaid Interest $993.25.   2.25.20 - Exception satisfied.
0479316549 Mortgage missing from the file.  2.10.20 - Client responded. See attached Mortgage/DOT 2.10.20 - Exception satisfied. 
0658790748      
0595359991 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0893748906 Approved Lender exception for PCL at 10. 37 months vs required 12.  Borrower must maintain no less than 10 months PCL.  6 from retirement and 4 liquid.  Clayton deems non-material based on compensating factors of no derogatory credit present , housing payment increase is minimal although low liquid assets, the retirement and 529 shows the ability to save. (No Data) (No Data)
0772921524      
0820690638      
0580787968      
0528165425 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0628966610 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0673242717      
0470992348      
0441113274 Lender approved exception for property type unacceptable due to agriculture use of 20%.    Clayton deems non-material based on compensating factors of Credit score for XXX is 780 where 680 is required, LTV of 20.83% and  cash reserves of over 60 months.  (No Data) (No Data)
0412231888      
0837824508 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0463439308      
0480980438      
0143498746      
0268079662 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0302416740      
0405424563 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0051217910      
0692778696      
0296054245 Missing executed HELOC Closure Letter. 2.26.20 - Client responded. See attached Title Policy that shows no 2nd lien attached to subject property. 2.26.20 - Exception satisfied.
0693766255 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0317127482 Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0761699662      
0982383999      
0793137276      
0415770466      
0501714950      
0510931562 Approved Lender Exception for LTV greater than 75% on second home with loan $XXX.  Clayton considers non-material based on compensating factors high credit score 807, residual income of $51,007.14 per month and rate reduction on HFI refinance lowering rate of .75%.  (No Data) (No Data)
0913497649      
0119177982      
0219410091      
0204020307 Disbursement date of XXX on Final CD XXX is before end of statutory rescission period XXX on the ROR. 3.2.20 - Client responded. Disagree:  Per system of record funds disbursed correctly after rescission expiration on XXX .  See attached PC CD with corrected disbursement date and per diem date of XXX   3.2.20 - Exception satisfied.
0124612723 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0423573974 Finance charge understated by $130.18. Need LOX, cure via refund and proof of delivery.  2.25.20 - Client responded. Agree:  discrepancy between CD and Note Loan Amount and P&I having downstream impacts on multiple categories; Finance Charge, Total of Payments, Projected Payment Tables, Payment Streams. Remediation requested4.15.20 - Client responded. 4/15/2020:  Note was modified to loan amount $XXX and P&I of $3020.44..   This matches the CD signed at consummation and resolves downstream impacts to Finance Charge, APR, Total of Payments, Projected Payment table, and other Note/CD discrepancies at consummation.   See attached recordable Note Modification Agreement, Reissued CD, and documentation. 2.25.20 - Exception remains. 4.15.20 - Exception satisfied. 
0423573974 The final CD XXX, does not reflect the loan amount and P&I payment. The final CD amount for P&I=3020.44, the Note amount reflects XXX. Need LOX and re-disclosed CD to cure.  2.25.20 - Client responded. Agree:  discrepancy between CD and Note Loan Amount and P&I having downstream impacts on multiple categories; Finance Charge, Total of Payments, Projected Payment Tables, Payment Streams. Remediation requested4.15.20 - Client responded. 4/15/2020:  Note was modified to loan amount $XXX and P&I of $3020.44..   This matches the CD signed at consummation and resolves downstream impacts to Finance Charge, APR, Total of Payments, Projected Payment table, and other Note/CD discrepancies at consummation.   See attached recordable Note Modification Agreement, Reissued CD, and documentation. 2.25.20 - Exception remains. 4.15.20 - Exception satisfied. 
0423573974 The total payment amount on the final CD XXX, Section: Loan Calculation, Field: Total of Payments, CD Value: XXXX, eCLAS Value: XXXX. Need LOX, refund in the amount of 326.18 and re-disclosed CD.  2.25.20 - Client responded. Agree:  discrepancy between CD and Note Loan Amount and P&I having downstream impacts on multiple categories; Finance Charge, Total of Payments, Projected Payment Tables, Payment Streams. Remediation requested4.15.20 - Client responded. 4/15/2020:  Note was modified to loan amount $XXX and P&I of $3020.44..   This matches the CD signed at consummation and resolves downstream impacts to Finance Charge, APR, Total of Payments, Projected Payment table, and other Note/CD discrepancies at consummation.   See attached recordable Note Modification Agreement, Reissued CD, and documentation. 2.25.20 - Exception remains. 4.15.20 - Exception satisfied. 
0423573974 The final CD XXX, does not reflect the correct the total fixed payment. The final CD amount for total payment is 3764.81 and eClas value reflects 3765.72 due to P&I on Note 3021.35+744.37 escrows. Need LOX and re-disclosed CD to cure.  2.25.20 - Client responded. Agree:  discrepancy between CD and Note Loan Amount and P&I having downstream impacts on multiple categories; Finance Charge, Total of Payments, Projected Payment Tables, Payment Streams. Remediation requested4.15.20 - Client responded. 4/15/2020:  Note was modified to loan amount $XXX and P&I of $3020.44..   This matches the CD signed at consummation and resolves downstream impacts to Finance Charge, APR, Total of Payments, Projected Payment table, and other Note/CD discrepancies at consummation.   See attached recordable Note Modification Agreement, Reissued CD, and documentation. 2.25.20 - Exception remains. 4.15.20 - Exception satisfied. 
0423573974 The final CD XXX, does not reflect the loan amount and P&I payment. The final CD amount for P&I=3020.44, the Note amount reflects XXX. Need LOX and re-disclosed CD to cure.  2.25.20 - Client responded. Agree:  discrepancy between CD and Note Loan Amount and P&I having downstream impacts on multiple categories; Finance Charge, Total of Payments, Projected Payment Tables, Payment Streams. Remediation requested4.15.20 - Client responded. 4/15/2020:  Note was modified to loan amount $XXX and P&I of $3020.44.   This matches the CD signed at consummation and resolves downstream impacts to Finance Charge, APR, Total of Payments, Projected Payment table, and other Note/CD discrepancies at consummation.   See attached recordable Note Modification Agreement, Reissued CD, and documentation. 2.25.20 - Exception remains. 4.15.20 - Exception satisfied. 
0423573974 Lender approved exception for no mortgage/ rental payment housing history, Customer has lived rent free with his fianc since 2017. Letter in file from fianc to confirm this customer has sufficient credit with good fico score of 704 Customer is minimal credit user with minimal debt. Customer has demonstrated ability to save while living rent free. Clayton deems non-material based on compensating factors of  704 qualifying score. Min required per guidelines is 680, DTI is 26.73% max per guidelines is 43% and the borrower has been in current profession for 10 years.  (No Data) (No Data)
0423573974 Lender approved exception for 5% LTV, no housing history. UW supports exception for no mortgage rental payment housing history. Customer has lived rent free with his fianc since 2017. Letter in file from fianc to confirm. Customer has sufficient credit with good Fico Score 704; demonstrated ability to save while living rent free. UW supports a 5% LTV exception to allow customer 80% LTV on subject. Value of subject is supported with no risks. Customer has strong REI, demonstrated ability to save, strong reserves, earned income not used in qualifying, strong increasing earning potential and fixed 30-year term/rate. These are all strong risk offsets to support risk on loan and exception approval. Clayton deems non-material based on compensating factors of  704 qualifying score. Min required per guidelines is 680, DTI is 26.73% max per guidelines is 43% and the borrower has been in current profession for 10 years.  (No Data) (No Data)
0633758396 Approved Lender Exception for Credit history Failure to obtain available credit Bureau for any borrower. Customer ProfileSummary 2 borrower Married filed joint US citizens moved to XXX for employment. Borrower only recentlyMoved to XXX . Not requiring Anthem report be obtained for overseas credit. Sufficient depth documentedin recent US based credit history. Clayton deems non-material based on compensating factors of 792qualifying score. Min required per guidelines is 680, DTI is 38.32% max per guidelines is 43% and Post closing reserves are $1,491,082.22 or 127.19 months, guidelines require 18 months reserves. (No Data) (No Data)
0633758396 Approved Lender Exception for LTV or CLTV over maximum allowed. Clayton deems non-material based on compensating factors of 792qualifying score. Min required per guidelines is 680, DTI is 38.32% max per guidelines is 43% and Post closing reserves are $1,491,082.22 or 127.19 months, guidelines require 18 months reserves. (No Data) (No Data)
0633758396 Approved Lender Exception for 2nd home - coop combo. The borrowers are refinancing the subject property and purchasing the unit next door. They currently own XXX  and are purchasing XXX  month seasoning was not met prior to NSD date however as of closing 12 months will be exceeded. Logging Exception due to timing only and to address the risk. Actual LTV/CLTV under 75% at 71.2% and risk is acceptable. Borrowers have strong overall profile and warrant exceptions noting exceptional PCL of over 58 months and or over $700K Residual income of over $46K a month, Low housing ratios at 21% increased earnings as well seen. Risks are Acceptable collateral supported in value and marketability combinations in this market are typical and acceptable. Clayton deems non-material based on compensating factors of 792qualifying score. Min required per guidelines is 680, DTI is 38.32% max per guidelines is 43% and Post closing reserves are $1,491,082.22 or 127.19 months, guidelines require 18 months reserves. (No Data) (No Data)
0633758396 Subject had no repairs but they are buying the XXXX, once brought there will be improvements done to the home.THE APPRAISAL IS MADE "SUBJECT TO" WITH NO REPAIRS/CONDITIONS NOTED & IS COMPLETED WITH SECURE DIGITAL SIGNATURES AND PHOTOGRAPHS. 3.25.20 - Client responded. See attached Escrow Agreement showing that the property will not be completed until 8/20/20, thus no final inspection yet.3.25.20 - Clayton has reviewed and Escrow Agreement has been provided and funds required to cure. Clayton deems non-material but client will need Completion Cert prior to sale of loan to any agencies.  3.25.20 - Exception remains. 
0086093449      
0586306701      
0357427472      
0118389141      
0457211593      
0849458578 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0881226962      
0536317749 Lender approved exception for purchase less than 90 days. Clayton deems non-material based on compensating factors of DTI is 37.91% max per guidelines is 43%, residual income of $10,428, bonus income potential and additional royalty income not being used. 1.1 million over reserve requirements.  (No Data) (No Data)
0902805089 Lender approved exception for the use of B2 expired paystub dated XXXX; greater than 120 days. Loan was in closing; to make for best customer experience. Clayton deems non-material based on compensating factors of 772 qualifying score. Min required per guidelines is 680. DTI is 25.32% max per guidelines is 43%. (No Data) (No Data)
0060289493 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0342741351 Approved lender exception for use bank stmt that expired XXXX and funding date is XXXX. Clayton deems non material based on 13.72% DTI, 81.91 months PITI reserves vs 12 months, and 62.93% LTV vs 80%. (No Data) (No Data)
0205794193      
0119521075      
0704218236 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0092331800 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0092331800 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0351448413      
0966927222 Lender approved exception- Appraisal shows 40% of site used for agriculture use, exceeds 20% allowed per guidelines.  Clayton deems non-material based off the compensating factors.  Borrower paying off second mortgage on investment property, reduction in housing payment on investment property and on subject, and having more than 25 months of reserves. (No Data) (No Data)
0233355323      
0956692933 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0851541144 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0483586123      
0635327011 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0574037653      
0224258049      
0952676396      
0144706572      
0722137058 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0252168237 Missing proof HELOC with XXX ending in #XXXhas been closed to future draws. Payoff and close on page 900 is not signed by the borrower.  2.26.20 - Client responded. See attached: proof that XXX HELOC ending in #XXX has been paid and closed to future draws, including copy of Confirmation of Closure, Lien Release, Closing Disclosure & Final Settlement Statement.  2.26.20 - Exception satisfied.
0252168237 Approved lender exception for short PCL reserves with request to payoff 1st/2nd using C/O to finish improvements. Clayton considers non-material based on compensating factors of a DTI of 34.68%, Low LTV of 50.90%, and additional income from co-borrower not used to qualify.   (No Data) (No Data)
0252168237 Missing proof HELOC with XXX ending in #XXX has been closed to future draws. Payoff and close on page 900 is not signed by the borrower.  2.26.20 - Client responded. See attached: proof that XXX HELOC ending in #XXX has been paid and closed to future draws, including copy of Confirmation of Closure, Lien Release, Closing Disclosure & Final Settlement Statement.  2.26.20 - Exception satisfied.
0950382458 APR difference is .0083 less that .125 tolerance. Exception satisfied.  (No Data) (No Data)
0959479961 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0959479961 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown, this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.   (No Data) (No Data)
0885967578      
0712354255      
0051197645 A Desk review was received with a reported value of $XXX which is a variance of -13.25% less than the original appraised value of $XXX. A Field review has been ordered. 3.10.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  3.10.20 - Exception satisfied. 
0313465573 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0313465573 Approved lender exception for business accounts used for CTC + PCL.  Clayton considers non-material based on compensating factors of excellent verified rental history, low DTI of 33.23% and residual income of $13,197.67 per month. (No Data) (No Data)
0091549307 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0091549307 Lender approved exception for housing payment history incomplete. Customers pay cash for rent ; Landlord provided verification of rent and customer provided paid cash receipts. Loan was submitted as missing 2 months cash receipts to verify payments (4/2019 and 7/2019). Per Borrowers email, prior to 10/2019 customers have been separately withdrawing half of the rent in cash from their respective individual account and give it to the landlord. Clayton deems non-material based on compensating factors of low DTI 13.85% and cash reserves of over 82 months. (No Data) (No Data)
0767833346      
0273589785      
0517043976      
0547685704 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0746534248 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0764334177 A Desk review was received with a reported value of $XXX which is a variance of -11.11%% less than the review appraised value of $XXX . A reconciliation review of Original Appraisal and Appraisal Review has been ordered.  3.27.20- A Reconciliation Review of Original Appraisal and Review Appraisal was received with a reported value of $XXX  which supports the original appraised value of $XXX  3.27.20 - Exception satisfied.
0548469352      
0925216256 Loan file did not contain letter signed by the borrower that the HELOC with XXX that is was closed and no more future draws. 3.3.20 - Client responded. Proof that HELOC with XXX #XXX has been paid and closed to future draws attached, to include Closing Disclosure and Final Title Policy (Title Insurance).  3.3.20 - Exception satisfied.
0925216256 Loan file did not contain letter signed by the borrower that the HELOC with XXX that is was closed and no more future draws. 3.3.20 - Client responded. Proof that HELOC with XXX #XXX has been paid and closed to future draws attached, to include Closing Disclosure and Final Title Policy (Title Insurance).  3.3.20 - Exception satisfied.
0978099742 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A (No Data) (No Data)
0978099742 Lender approved exception for XXX no prior 12 month housing payment history. Clayton deems non-material based on compensating factors of 789 qualifying score. Min required per guidelines is 680, DTI is 21.16% max per guidelines is 43% and , LTV is 64.43%; max allowed per guidelines is 80% (No Data) (No Data)
0370797674 Seller fees listed on Seller CD but not Borrower final CD. Fees are showing on Sellers CD and therefore is not material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data)
0370797674 Satisfied: The seller CD disclosed seller paid fees in Other Costs Section H that were not disclosed on the borrower's final CD. Fees can be sourced to seller CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0309305644      
0532294495 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0217886850      
0040730354      
0202345953      
0768373910 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0700768695      
0891984460 Seller fees listed on Seller CD but not Borrower final CD. Fees are showing on Sellers CD and therefore is not material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data)
0482601211      
0202412456      
0029201256      
0294313058 Seller fees listed on Seller CD but not Borrower final CD. Fees are showing on Sellers CD and therefore is not material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data)
0377470874      
0091942360 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0091942360 Approved lender exception for no prior housing history for first-time homebuyer. Clayton deems non-material based on compensating factors of 33.20% DTI, 26.36 months PITI reserves vs 12 months, and FICO of 780 (No Data) (No Data)
0976171249 Missing Certificate of Compliance or Certificate of Exemption.  Provide copy of missing document. 3.19.20 - Client responded. Disagree.  The Illinois Ani-Predatory Lending Database Program Certificate of Exemption is in the file.  This document is imaged under State And Local Regulatory Compliance. 3.19.20 - Exception satisfied. 
0976171249 Missing evidence that borrower acknowledged receipt of CD 3 days prior to consummation.  3.19.20 - Client responded. Disagree. Closing date is XXX. XXX Audit Trail reflects Initial CD Date Issued XXX was received by borrower XXX, more then three business days prior to consummation. See attached etracking.  3.19.20 - Exception satisfied. 
0069149606 Approved lender exception for short 12 months rental history: Borrowers have 8 of 12 months.  Clayton considers as non-material based on compensating factors of low LTV 70%, low DTI 30.78% and residual income of $9,934.28 per month. (No Data) (No Data)
0956538933      
0667700380      
0772988316      
0820694736 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0863735770      
0659371858      
0088488729      
0382968816 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0382968816 Please provide proof initial CD XXX was received by borrower 3 days before consummation date of XXX.  3.19.20 - Client responded. Disagree. Closing date is XXX. XXX Audit Trail reflects Initial CD Date Issued XXX was received by borrower XXX, more then three business days prior to consummation. See attached etracking.  3.19.20 - Exception satisfied. 
0620963315 Approved Lender exception for 5% (70% LTV); per guidelines LTV with second home Cash Out is 65%.  Clayton deems non-material based on compensating factors of; Borrower employed 21 years, borrowers' income is sufficient as ratios are 1.06/19.32%, over 1 million in retirement assets, current home owned free and clear, and excellent residual income. (No Data) (No Data)
0620963315 A Desk review was received with a reported value of $XXX which is a variance of -40.50% less than the original appraised value of $XXX. A field review has been ordered. **NOTE** UDS indicates desk review was performed and value of $XXX was used for qualifying LTV 4.10.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  4.10.20 - Exception satisfied.
0950664319 Lender approved exception for rental payment history covers less than most recent 12 months. Clayton deems non-material based on compensating factors of minimal outstanding debt, not excessive users of credit, demonstrated savings ability based upon their own current assets verified and considering B1 paid student loans. Borrowers have strong residual income of $12,871 and lower DTI 32.63%.  (No Data) (No Data)
0950664319 Lender approved exception for insufficient credit; B2 lacks sufficient credit history with two valid trade lines reporting.  Clayton deems non-material based on compensating factors of ability to save, strong residual income of $12,871, low DTI 32.63%, Credit Score 792, and Borrowers are in marketable professions.  (No Data) (No Data)
0197227847      
0915378242      
0706622870      
0232102532 Lender Approved Exception for short liquid reserves. Borrower short the required reserves by 3 months. Required 12 months $67,319.16 and borrower has 9 months at $53,504.72 thus short $13,814.44. Clayton deems non-material based on compensating factors of estimated departure home that will sell after closing will net 196k for an additional 35 months liquid reserves. Also low DTI of 30.25% and residual income.  (No Data) (No Data)
0376404004 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0714406094 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0983538365 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0983538365 Verified Rental history for 12/2019 & 11/2019; missing the prior 10 months of Rental History. 3.24.20 - Client responded. VOR from XXX attached to verify the most recent 12 months. Rent had been paid as agreed since 9/2013. See item 11 (page 5 of 8) from Credit Infile Report. 3.24.20 - Exception satisfied. 
0433553551      
0410954749 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0361026646 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0361026646 Lender approved exception for insufficient credit. None of the three trade lines established by Borrower 2 meet a 24 month History (Borrower 2's three trade lines established support 8 months reporting, 22 months reporting and 23 Months reporting as outlined Offsets with this exception support the ability to repay...Strong demonstrated savings ability with $495K Liquid assets (no gift funds indicated), both borrowers in professions that have strong marketability in the XXX, 40 months PCL reserves after closing which will enable the borrowers to adjust to the payment shock (increasing housing payment from $2260/ month to $5875.47/ month), low housing ratio of 24.214%, strong residual income of $18,197 and low DTI 25.004% support the ability to recoup assets after closing, credit history reflects a strong Willingness to repay obligations. Since low qualifying ratios, all funds to close from borrowers own sources with strong reserves. . Clayton deems non-material based on compensating factors of 743  qualifying score. Min required per guidelines is 720, DTI is 24.78% max per guidelines is 43% and  the borrower has been in current profession for 9 years.  (No Data) (No Data)
0664144213 Approved Lender exception for additional authority review for "Primary residence for elderly parent" Borrower 1 is the occupying the property and Borrower 2 will not be, borrower 1 is the mother of Borrower 2.  Clayton deems non-material using compensating factors.  Strong customer profiles, DTI 34%, XXX in Liquid PCL and both borrowers having spotless credit. (No Data) (No Data)
0555664563 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0980694010 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0534944349      
0896411322      
0571423561 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0367085192      
0091601491 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0009931046 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0200826751 Cd XXX Est Taxes, Ins and Assessments total of $1,136.68 10-12 month calculation totals do not equal Estimated Costs Over Year 1 value of $11,318.46. At minimum calculation based on 10 months would total $1,136.68 x 10 months equals $11,366.80. Please provide explanation for variance.  3.20.20 - Client responded. Agree:  ETIA disclosed correct monthly non escrow cost of $1136.68.   Page4 escrow table does not disclose correct non-escrowed property cost over 1 year.  PC CD with updated page 4 non escrow cost of $13640.16 required to remedy. Remediation requested3.26.20 - Client responded. See attached PC CD and LOX 3.20.20 - Exception remains. 3.26.20 - Exception satisfied. 
0071382981      
0596315097      
0879273427 Approved lender exception for Escrow Waiver on First time homebuyer.  Clayton considers non-material based on compensating factors of low LTV 57.33%, high reserves of $3MM and residual income of $17,494.24 per month. (No Data) (No Data)
0634208653      
0814095225 HELOC Authorization Payoff in file; evidence HELOC closed to future draws not provided, and document not fully executed 3.16.20 - Client responded. Proof that XXX HELOC has been paid and closed to future draws attached, to include Closing Disclosure and Final Borrower's Settlement Statement.  3.16.20 - Exception satisfied. 
0814095225 HELOC Authorization Payoff in file; evidence HELOC closed to future draws not provided, and document not fully executed 3.16.20 - Client responded. Proof that XXX HELOC has been paid and closed to future draws attached, to include Closing Disclosure and Final Borrower's Settlement Statement.  3.16.20 - Exception satisfied. 
0771728646 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 3.2.20 - Client responded. Disagree:  see attached CoC documentation.  MA updated recording fees effective 12/31/2019.  Valid CoC in file and remediation for increase in recording fees.  3.2.20 - Exception satisfied.
0771728646 Approved lender exception for borrowers without full 12 month rental history.  Clayton considers non-material based on compensating factors of low LTV 62.25%, low DTI 20.72%, low credit usage and good repayment history and residual income of $14,535.01 per month. (No Data) (No Data)
0404029043      
0375759553      
0640925264      
0393988829 Lender approved exception for insufficient assets to allow retirement assets to be used towards a majority of PCLRequirement. Both borrowers are of retirement age and have penalty free access to retirement accts. B1 has $1,076,032 In retirement assets. The PCL Requirement is $70041.Borrowers have $3893 in liquid assets. The remainder of PCL requirement is from retirement accts.   Clayton deems non-material based on compensating factors of  771 qualifying score. Min required per guidelines is 680, DTI is 38.86% max per guidelines is 43% and  LTV is 49.61/ 60.75% CLTV; max allowed per guidelines is 70% (No Data) (No Data)
0393988829 Judgment in favor of XXX dated XXXX in the amount of $8,109.55 plus Costs and Interest was not satisfied. (No Data) (No Data)
0106776327      
0079462421      
0499972963 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0499972963 Borrower has been living Rent Free for 12 months.  The Borrower currently own a home being rented with 0x30 for 43 months. (No Data) (No Data)
0945949703 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0945949703 CD XXX: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section is $1,483.24 an it does not calculate to the Annual Property Costs disclosed in the No Escrow section in Loan Disclosures which is $8,869.70. Calculation is $1,483.24 x 12 = $17,798.88. 3.4.20 - Client responded Agree. Requested remediation.3.10.20 - Client responded. See attached PC CD and LOX. 3.4.20 - Exception remains. 3.10.20 - Exception satisfied. 
0689465985 Provide evidence the HELOC #XXX was paid and closed to future draws was not provided.  4.2.20 - Client responded. Proof that HELOC with XXX #XXX has been paid and closed to future draws attached, to include Closing Disclosure and Borrower's Settlement Statement. 4.2.20 - Exception satisfied. 
0689465985 Provide evidence the HELOC XXX was paid and closed to future draws was not provided.  4.2.20 - Client responded. Proof that HELOC with XXX #XXX has been paid and closed to future draws attached, to include Closing Disclosure and Borrower's Settlement Statement. 4.2.20 - Exception satisfied. 
0131720101      
0812909615 VVOE in file for both borrowers dated 02/14/2020  exceeds 20 business days prior to the note date of XXX. (No Data) (No Data)
0881792887      
0219977465      
0957914529 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0169817285      
0819058018      
0102206851 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0453939203      
0261087678      
0410605347      
0723471326      
0111368640 The loan file is missing executed evidence that the XXX Heloc is  paid and closed to future draws.  3.31.20 - Client responded. Proof that HELOC with XXX #XXX has been paid and closed to future draws attached, to include Closing Disclosure, executed Demand Statement and XXXX Confirmation of Closure Letter. This line of credit has been restricted from future advances. 3.31.20 - Exception satisfied.
0111368640 The loan file is missing executed evidence that the XXX Heloc is  paid and closed to future draws.  3.31.20 - Client responded. Proof that HELOC with XXX #XXXhas been paid and closed to future draws attached, to include Closing Disclosure, executed Demand Statement and XXX Confirmation of Closure Letter. This line of credit has been restricted from future advances. 3.31.20 - Exception satisfied.
0395677022      
0232215406      
0144237327 The loan file is missing executed evidence that the XXX Heloc is  paid and closed to future draws.  3.23.20 - Client responded. Proof that HELOC with XXX  #XXX  has been paid and closed to future draws attached, to include Closing Disclosure and executed Demand (Authorization) Statement. This line of credit has been restricted from future advances.    3.23.20 - Exception satisfied. 
0144237327 The loan file is missing executed evidence that the XXX  Heloc is  paid and closed to future draws.   3.23.20 - Client responded. Proof that HELOC with XXX  #XXX  has been paid and closed to future draws attached, to include Closing Disclosure and executed Demand (Authorization) Statement. This line of credit has been restricted from future advances.    3.23.20 - Exception satisfied. 
0144237327 A Desk review was received with a reported value of $XXX which is a variance of -18% less than the original appraised value of $XXX . A field review has been ordered.   3.25.20 - A Field review was received with a reported value of $XXX  which is a variance of -15.09% less than the original appraised value of $XXX .3.30.20 - Client responded. Rebuttal provided and forwarded to third party team to provide to vendor for comments. 4.1.20 - Appraiser from vendor has responded and opinion of value has not changed. Sent to client.4.6.20 - Vendor provided response back. Has not changed opinion of value. 4.6.20 - Client has responded with additional rebuttal.  3.25.20  Exception remains. 3.30.20 - Exception remains. 4.1..20 - Exception remains. 4.6.20 - Exception remains. 
0370125516 Application date was 01/29/2020.  List of Providers was not issued until 02/05/2020. (No Data) (No Data)
0370125516 Final CD issued XXX.  Subject loan closed on XXX not meeting the required waiting period.  4.6.20 - Client responded. Disagree: CD#004 was eDelivered on XXX. CD #004 was opened and acknowledged by borrowers on XXX. XXX considers in hand delivery and meets timing for XXX closing date. See attached document tracking. 4.6.20 - Exception satisfied. 
0522663268 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0973374097      
0984797009 Approved Lender exception for Unacceptable Agricultural property type, Clayton Deems non-material based off the compensating factors. Borrower has owned subject property since 2014, R/T XXX to XXX paying off existing XXX Heloc, rate reduction with payment decreasing $173.00 a month, no other REO. (No Data) (No Data)
0542370164 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0542370164 Approved lender exception for 649 FICO vs 680 required per G/L due to recent fraudulent collection. Clayton deems non-material based on compensating factors of 18.81% DTI, 61.72 month PITI reserves vs 12 months required, and residual income of $19,959.68.  (No Data) (No Data)
0933447834 ROR disclosure date is XXX and CD disclosure XXX. PCCD required with a disbursement date of XXX with proof of delivery, Within 60 days of discovery. 3.24.20 - Client responded. Disagree: Post Consummation CD in file with updated disbursement date of XXX which is after the end of the statutory rescission date of XXX. Disbursement date of XXX is confirmed by Final Settlement Statement 3.24.20 - Exception satisfied. 
0605984110      
0546204603 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0426822088      
0520541188 Approved lender exception for borrower having less than two years XXX  experience.  Clayton considers non-material based on compensating factors of excellent job time of 9 & 12 years for both borrowers, credit score 796 and residual income of $13,200.53 per month. (No Data) (No Data)
0918893707      
0773985689      
0712328488 Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0298754410 Missing proof that HELOC with XXX #XXX has been paid and closed to future draws, authorization to be signed/dated by borrowers. 3.23.20 - Client responded. Proof that XXX HELOC #XXX has been paid and closed to future draws attached, to include Closing Disclosure and executed Demand Statement. This line of credit has been restricted from future advances.   3.23.20 - Exception satisfied. 
0298754410 Missing proof that HELOC with XXX #XXX has been paid and closed to future draws, authorization to be signed/dated by borrowers. 3.23.20 - Client responded. Proof that XXX HELOC #XXX has been paid and closed to future draws attached, to include Closing Disclosure and executed Demand Statement. This line of credit has been restricted from future advances.   3.23.20 - Exception satisfied. 
0565708630 Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation of XXX. 3.26.20 - Client Responded.Disagree:  CD#005 was eDelivered on XXX. CD#005 was opened and acknowledged by borrowers on XXX. XXX considers in hand delivery and meets timing for XXX closing date. See attached document tracking. 3.26.20 - Exception satisfied. 
0693331121      
0010198152 Lender Credit of $221.10 for increase in appraisal fee is insufficient total increase was $305. An additional refund of $83.90 is required. PCCD, LOX and proof of delivery or CIC for increase in appraisal fee. 3.20.20 - Client responded. Agree. The Appraisal fee increased from $515 to $820 on the CD issued XXX(008) without a valid Change Circumstance. The $221.10 Over Tolerance credit was applied to the increase of $305 for the Appraisal fee. The borrower would be due an additional refund of $83.90 to cure the 0% fee tolerance category. Refund to the borrower of $83.90 and new CD reflecting the additional $83.90 over tolerance credit is required to cure the defect. Remediation requested. 3.26.20 - Client Responded. See attached PC CD, LOX, and Refund Check  3.20.20 - Exception remains. 3.26.20 - Exception Satisfied.
0821471921      
0923590549 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0802857906      
0997213008 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0975403979 The loan file is missing executed evidence that the XXX Heloc is  paid and closed to future draws.  3.23.20 - Client responded. Proof that HELOC with XXX #XXX has been paid and closed to future draws attached, to include Closing Disclosure, Settlement Statement and executed Demand (Authorization) Statement. This line of credit has been restricted from future advances.    3.23.20 - Exception satisfied. 
0975403979 H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 3.20.20 - Client responded. Disagree:  Per title commitment, XXX listed as lender on mortgage dated XXX.   Model form H-9 acceptable for this transaction.  See attached. 3.20.20 - Exception satisfied. 
0975403979 The loan file is missing executed evidence that the XXX Heloc is  paid and closed to future draws.  3.23.20 - Client responded. Proof that HELOC with XXX #XXX has been paid and closed to future draws attached, to include Closing Disclosure, Settlement Statement and executed Demand (Authorization) Statement. This line of credit has been restricted from future advances.    3.23.20 - Exception satisfied. 
0535894813 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0365910182      
0187488264 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0925229322 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0146415154      
0639052776      
0490230167 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0294870117      
0653501772 Missing evidence XXX HELOC acct #XXX paid and closed to future draws. 3.25.20- Client responded. Proof that HELOC with XXX #XXX has been paid and closed to future draws attached, to include Closing Disclosure and Final Settlement Statement. 3.25.20 - Exception satisfied.
0653501772 Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation of XXX. 3.25.20 - Client responded. Disagree.  Borrower CD #004 was eDelivered on XXX.  CD#004 was opened and acknowledged by borrowers on XXX.  XXX considers in hand delivery and meets timing for closing date XXX.  See attached document tracking for CD#004. 3.25.20 - Exception satisfied.
0653501772 Approved Lender Exception for Borrowers have no mortgage/rental payment history, and have no mortgage history on primary only investment.  Clayton deems non material based on compensating factors of; the borrowers have excellent equity in properties owned, both borrowers reflect stable employment and consistent income, borrowers have additional investment accounts generating dividends not being used to qualify, borrowers have excellent credit , and all debt is paid as agreed. (No Data) (No Data)
0653501772 Approved Lender Exception for Borrower has less than 2 years XXX experience with use of rental income. Clayton deems non material based on compensating factors of; the borrowers have excellent equity in properties owned, both borrowers reflect stable employment and consistent income, borrowers have additional investment accounts generating dividends not being used to qualify, borrowers have excellent credit , and all debt is paid as agreed. (No Data) (No Data)
0653501772 Missing evidence XXX HELOC acct #XXX paid and closed to future draws. 3.25.20- Client responded. Proof that HELOC with XXX #XXX has been paid and closed to future draws attached, to include Closing Disclosure and Final Settlement Statement. 3.25.20 - Exception satisfied.
0839433194      
0889767161      
0519719850 Lender approved exception for Condo Commercial Use. The subject is a XXX unit condo located in XXX, CA. Area is urban with stable values, shortage of supply and Marketing time under 3 months. Project was built in XXX. Condo project requires an exception for commercial space. Appraisal report states the commercial property is on another parcel. Npres approval recommendation noted - XXX is made up of 3 parcels: Residential, Commercial (retail) and Public Parking. Total Retail and Public Parking space is52.56% of the project based on square footage. The retail units include a XXX, XXX, and an XXX - the commercial space has good compatibility with an overall residential nature of the project. Amendments to the project declarations require 75% of the vote. The appraisal for the subject transaction includes 2 sales from within the project with days on market of 17 and 22 which confirms market acceptance of the commercial space in the project. The Current appraisal does not comment on the commercial space. However, previous appraisal (less than 6 months old) includes 2 comparable with similar commercial space from outside the project to confirm that it is common and typical to the market. Project contains 134 units, 57 of which are investment properties; Investor Concentration is 42.4% and is acceptable. No single entity owns more than 20% of the units and there are no units more than 60 days delinquent. The HOA is not involved in any litigation and there are no current special assessments in place. The HOA is allocating 24.72% of their income to reserves and in 2020 and has reserve fund balance of $405,685.48 (equivalent to approx. 4 months of assessments). There are 13 affordable housing units in the project but subject is not one of them. HOA's Insurance has all required coverages and endorsements. The project meets all other requirements for acceptability, aside from the commercial space. NPRES has reviewed and completed write ups due to commercial space over threshold at least 6 times since 04/2016. NPRES recommends approval. Overall value is supported by a blend of all comps. The project is on a busy road but does not adversely impact subject property. Comps 1-2 are on the same busy road. Comps 1-3 are within same project as the subject. Comps 4-5 are from competing projects within 1 mile. Comps 1-2 warranted no adjustments. Key characteristics are bracketed. Net/gross adjustments are low. Adjusted and unadjusted sale price ranges are narrow. Marketability is adequately demonstrated and supported. LTV is low at 52%. Commercial space is not uncommon in XXX. Clayton deems non-material based on compensating factors of 808 qualifying score. Min required per guidelines is 720, DTI is 32.04% max per guidelines is 43% and LTV is 52.31%; max allowed per guidelines is 70%. (No Data) (No Data)
0072565397      
0044944341      
0519937737 Missing proof that HELOC with XXX  #XXX  has been paid and closed to future draws, authorization to close account in file was not signed and dated by borrowers.  3.24.20 - Client responded. Proof that XXX  HELOC #XXX has been paid and closed to future draws attached, to include Closing Disclosure, Final Borrower's Settlement Statement and executed Demand Statement. This line of credit has been restricted from future advances. 3.24.20 - Exception satisfied. 
0519937737 Missing proof that HELOC with XXX #XXX has been paid and closed to future draws, authorization to close account in file was not signed and dated by borrowers.  3.24.20 - Client responded. Proof that XXX  HELOC #XXX  has been paid and closed to future draws attached, to include Closing Disclosure, Final Borrower's Settlement Statement and executed Demand Statement. This line of credit has been restricted from future advances. 3.24.20 - Exception satisfied. 
0113023418 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0419701598      
0433036086 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0108834875 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0132138184 Missing documentation related to citizenship/residency for B2. 3.20.20 - Client responded. B2's income and assets were not used to qualify for the loan, so residence proof in not required for B2. 3.20.20 - Exception satisfied. 
0867149051 The finance charge is under disclosed by $980.00. The Final CD XXX  disclosed finance charge as $269,851.99, review calculated finance charge to be $270,833.99. The following fees were applied towards APR: Commitment $1325.00, Settlement Closing Fee $500.00, Attorney Closing Fee $1000.00, Tax Service Fee $100.00, Closing Protection Letter $75.00, Courier Charges $75.00, Prepaid Interest $809.40.  Requires corrected PCCD, copy of refund check, LOX and verification of shipping. 3.26.20 - Client Responded. Disagree. CD issued XXX   Finance Charge disclosed $269,853.99. Finance Charge calculated $269,854.10. Total pre-paids calculated $2,884.40 includes Commitment fee $1,325.00, Tax Service fee $80, Closing/Escrow fee $500, Closing Protection Letter fee $75.00, Courier fee $75.00, Patriot Act Search fee $20.00 and Prepaid Interest $809.40. The Finance Charge is within tolerance. TPR is including $1000 Borrower personal attorney fee in block H. This fee not required by XXX and should not be included in APR/FC calculations. 3.26.20 - Exception satisfied. 
0867149051 Amount Financed as Calculated after review completed to be $537,965.60Final CD XXX, Section: Loan Calculations, Amount Financed total states $536,985.60Difference of $980.00.  Requires corrected PCCD, copy of refund check, LOX and verification of shipping. 3.26.20 - Client Responded. Disagree. CD Date Issued XXX disclosed Amount Financed as $537,965.60.  Calculated Amount Financed is $537,965.60. The Amount Financed is within tolerance. 3.26.20 - Exception Satisfied
0867149051 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0867149051 Approved lender exception for zoning compliance Legal Nonconforming without rebuild letter.  Appraisal indicates Legal Nonconforming (Grandfathered Use) and states that in the even the property is destroyed by more than 50%, proper permits (variance) will be required to rebuild.  The subject property is located within an area which consists of like style housing on comparable legal nonconforming lots and it typical to the area and accepted as common within this marketplace.  Clayton deems non-material due to compensating factors including LTV of 63.26% with maximum LTV allowed of 80%, with the comps used supporting value and marketability.  Property values in the neighborhood are stable, demand and supply are in balance and marketing time is under 3 months. (No Data) (No Data)
0270896285 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0270896285 Approved lender exception for purchase of a 2 Unit property for a direct family. Clayton deems exception non-material based on compensating factors of 111.22 months PITI vs 18 months required, 20 years with he same employer, and residual income of $13,783.60 (No Data) (No Data)
0975869822      
0989004130      
0715079630      
0807446297      
0420672372 Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation of XXX 3.24.20 - Client responded. Disagree.  Borrower CD #003 was eDelivered on XXX.  CD#003 was opened and acknowledged by borrowers on XXX.  XXX considers in hand delivery and meets timing for closing date XXX.  See attached document tracking for CD#003. 3.24.20 - Exception satisfied. 
0911888537      
0339550150      
0554068076      
0626886708      
0520562074 B1's VVOE completed on 1/27/2020; which is greater than 20 days from closing date of XXX. 3.24.20 - Client responded. Per Proprietary Policy, HFI to HFI (held-for-investment) rate/term refinance VVOE must be completed within 45 days of closing. 3.24.20 - Exception satisfied. 
0520562074 Missing Hazard Insurance. 3.23.20 - Client responded. Loan qualifies for a Hazard streamline review Step Saver Process, see attached.  Hazard Insurance information just needs to be pulled from the online payoff system for the loan being paid off. 3.23.20 - Exception satisfied. 
0715130396      
0412918962      
0673145296 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0636405648 Missing verification of HOA fee for REO on XXX . 3.25.20 - Client responded. Verification of monthly maintenance (HOA) fee for REO on XXX  attached. 3.25.20 - Exception satisfied.
0636405648 Missing verification of HOA fee for REO on XXX. 3.25.20 - Client responded. Verification of monthly maintenance (HOA) fee for REO on XXX attached. 3.25.20 - Exception satisfied.
0636405648 A Desk review was received with a reported value of $XXX   which is a variance of -14.55% less than the original appraised value of $XXX .  A Field Review has been ordered.  4.1.20- A Field Review was received with a reported value of $XXX  which supports the original appraised value of $XXX.  4.1.20 - Exception satisfied
0587971925      
0974393174      
0797935485 Lender approved exception for Reserve Requirements; 9 months vs 12 months required PCL.  Clayton deems non-material based on compensating factors of  742 qualifying score. Min required per guidelines is 720, DTI is 33.22% max per guidelines is 43% and the borrower has been in current profession for 5 years (No Data) (No Data)
0072126655      
0328916245 Missing proof that XXX HELOC acct #XXX paid and closed to future draws. 3.20.20 - Client responded. Proof that XXX Bank HELOC #XXX has been paid and closed to future draws attached, to include Closing Disclosure, Final Settlement Statement and Final Title Policy (Insurance).  3.20.20 - Exception satisfied. 
0328916245 Missing proof that XXX HELOC acct #XXX paid and closed to future draws. 3.20.20 - Client responded. Proof that XXX Bank HELOC #XXX has been paid and closed to future draws attached, to include Closing Disclosure, Final Settlement Statement and Final Title Policy (Insurance).  3.20.20 - Exception satisfied. 
0862463429 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0325676310      
0463171726      
0305104473      
0855732233 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0310086781 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0079429953 ROR Expiration date of XXX; disbursement date per file XXX.  Borrower did not receive full mandatory rescission period prior to disbursement of funds (No Data) (No Data)
0099697552      
0686090594      
0796220400      
0520364320      
0519255874 H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 3.20.20 - Client responded. Disagree:   XXX, NA is listed as beneficiary on deed of trust dated XXX   H9 correct model form.  See attached title commitment Schedule B, Part II #6. 3.20.20 - Exception satisfied. 
0398569103      
0675142207 A Desk review was received with a reported value of $XXX which is a variance of -11.11% less than the original appraised value of $XXX .  A Field Review has been ordered.  3.31.2020- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX . 3.31.2020- Exception satisfied.
0900815225      
0867257622 The expiration date per ROR period is XXX. Final CD XXX disclosed disbursement date of XXX which is prior to end of recession period. Provide corrected PCCD, LOX, proof of delivery and new ROR to re-open rescission to all with right to rescind. 3.19.20 - Client responded. Disagree: per system of record, funds disbursed after rescission expiration on XXX. PC CD was issued on XXX with corrected disbursement date and per diem date. See attached PC CD with XXX disbursement and per diem date.  3.19.20 - Exception satisfied. 
0867257622 Initial CD issue date is XXX, closing date is XXX, and the 3 day waiting period was not met. 3.19.20 - Client responded. Disagree: Borrower CD#003 was eDelivered on XXX. CD#003 was opened and acknowledged by borrowers on XXX. XXX considers in hand delivery. CD#003 meeting timing for closing date XXX. See attached document tracking for CD#003.  3.19.20 - Exception satisfied. 
0199561455 Missing evidence that borrower acknowledged receipt of CD 3 days prior to consummation of XXX.  3.19.20 - Client responded. Disagree: Borrower CD#004 was eDelivered on XXX. CD#004 was opened and acknowledged by borrowers on XXX. XXX considers in hand delivery. CD#004 meets timing for closing date XXX. See attached document tracking for CD #004.  3.19.20 - Exception satisfied. 
0613158755 Property value not supported, desk review provided at a value of $XXX did not support the original appraised value of $XXX.  A Field review has been ordered. 3.31.20- A Field Review was received with a reported value of $XXX appraised value of $XXX.  3.31.20 - Exception satisfied.
0552172577 PCCD XXX Summaries of Transactions Section K - Line 4 Payoff of $903 is included in the Adjustments and Other Credits Calculation in the CCTC Table. To be included in the Adjustments and Other Credits Calculation line 4 Payoff must be moved to the 'Adjustments' Section of K. (No Data) (No Data)
0552172577 Cd XXX: Loan costs screen: Section B: Does not list the name of the provider for Title Recording Fee only states SPL.  Provide a Lox, or post close Cd with the correct information within 60 days of consummation.  (No Data) (No Data)
0513330913 Satisfied: Final CD: XXX is missing Seller Paid fees from Seller CD.  No tolerances or exceptions fired.   Exception satisfied.  (No Data) (No Data)
0513330913 Satisfied: CD XXX: Seller's paid fees to the Real Estate Broker are not listed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0151119228      
0337664369 ROR Expiration date of XXX; disbursement date per file XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds. 11.15.19 - Client Responded. ROR is in file, signed and initialed by borrowers. Per settlement statement in file, the funds disbursed appropriately on XXX. Requesting remediation for PC CD to include correct closing and disbursement dates.1.31.20 - Client responded. See attached PC CD with updated Disbursement Date and Per Diem date XXX.    CD signed XXX.  Mortgage/Deed signed and notarized XXX.   Rights of Rescission expire midnight XXX.  Funds disbursed appropriately on XXX. 11.15.19 - Exception Remains.1.31.20 - Exception satisfied. 
0337664369 ROR is missing; disbursement date per file XXX.  Earliest rescission date allowable is XXX.  Loan funds were disbursed prior to mandatory rescission period expiration date. 11.15.19 - Client Responded. ROR is in file, signed and initialed by borrowers. Per settlement statement in file, the funds disbursed appropriately on XXX. Requesting remediation for PC CD to include correct closing and disbursement dates.1.31.20 - Client responded. See attached PC CD with updated Disbursement Date and Per Diem date XXX.    CD signed XXX.  Mortgage/Deed signed and notarized XXX.   Rights of Rescission expire midnight XXX.  Funds disbursed appropriately on XXX. 11.15.19 - Exception Remains.1.31.20 - Exception satisfied. 
0809587041      
0199133857 Seller CD missing. Please provide. 2.6.20 - Client responded. See attached Seller CD 2.6.20 - Exception satisfied.
0783812218 Missing rental leases for XXX. Per ATR/QM G/L, leases are required when using rental income to qualify 2.14.20 - Client responded. Loan has sufficient PCL and rental income is less than 25% of total income. Leases are not required2.14.20 - Clayton has reviewed and as rental income is less than 25% of income Leases not required.  2.14.20 - Exception satisfied.
0783812218 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0783812218 Need evidence that borrower acknowledged receipt of CD 6 days prior to consummation. File contains final CD XXX only, no initial CD in file.  2.20.20 - Client responded. Disagree: see attached initial CD e-signed XXX. Consummation CD signed XXX.  2.20.20 - Exception satisfied.
0011801226 Borrower's qualifying assets consist of XXX and XXX accounts totaling $53,409.59. The XXX is not an acceptable source of funds for it allows no withdrawals or hardship withdraw. Therefore, the verified assets of $53,409.59 minus cash to close $1,220.62 = $52,188.97 reserves. Guidelines require PITIA $5,577.09 x 12 = $66,925.08. Based on the documentation reserves are insufficient. Retirement account provided is stale dated 145 days 3.2.20 - Client responded. XXX does allow 529 plans to meet reserve requirements. See attached snapshot.  3.2.20 - Exception satisfied.
0663053020 Total assets verified is $303,878.50.  Per Final CD dated XXX, funds required from borrower $257,693.06.  Post closing reserves $46,185.44.  Per program guidelines, 12mo PITI/PL  required or $47,288.84. 2.20.20 - Client responded. Loan was approved with an exception obtained for being short PCL of $1103.40 due to the comp factor of the departure residence pending sale which should net 300k in proceeds.2.20.20 - Clayton has reviewed and as this was a lender exception and due to the compensating factors mentioned this is considered non-material.  2.20.20 - Exception remains. 
0471475459      
0167413481      
0506335865 Missing lenders commitment from a regulated institution to the buyer of the departure residence to omit PITI from ratio per guidelines. 2.5.20 - Client responded. See attached approval letter 2.5.20 - Exception satisfied. 
0506335865 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0506335865 Missing lenders commitment from a regulated institution to the buyer of the departure residence to omit PITI from ratio per guidelines. 2.5.20 - Client responded. See attached approval letter 2.5.20 - Exception satisfied. 
0120417966 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0614626177      
0628812501 A Desk review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX. A field review has been ordered. 3.3.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  3.3.20 - Exception satisfied.
0945694819 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0945694819 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0775699939      
0783238917 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0783238917 A Desk review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX.  A Field  Review is recommended 2.04.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX 2.04.20 - Exception satisfied.
0051460754 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0474630771 CD XXX, The You declined it and Your lender does not offer one was NOT selected.Non-numeric clerical error cure: LOX and post-consummation CD within 60 days of consummation.  1.28.20 - Client responded. Agree:  Page4 escrow table checkboxes not complete.   'you declined' or 'lender does not offer' is not selected. Remediation requested2.11.20 - Client responded. 2/10/2020 see attached PC CD with updated page 4 escrow table 1.28.20 - Exception remains. 2.11.20 - Exception satisfied. 
0808185458 Missing evidence that CD dated XXX was acknowledged by the borrowers 3 days prior to consummation date of XXX. 2.24.20 - Client responded. Disagree: CD issued XXX is eSigned on XXX. Meets timing for XXX closing. See attached.  2.24.20 - Exception satisfied.
0551536361 Missing Seller CD in file; need in order to complete fee entry. 2.11.20 - Client responded. Per XXX (Lender) they don't create a separate seller CD only a combined one.  See attached. 2.11.20 - Exception satisfied. 
0768946622 Seller Cd not in file. Please provide.  2.11.20 - Client responded. Per XXX (Lender) they don't create a separate seller CD only a combined one.  See attached. 2.11.20 - Exception satisfied. 
0666036899      
0972883650 Debt Ratio Exception 5% or Less:  Lender approved DTI is 36.82%. Total calculated income for B1 is $11,105.64. PITI is $3367.16 and other debts $1574.71 with a DTI of 44.98%. Difference is rental loss. Per lender's rental income calc on page 1214, a 12 month avg of 2018 SCH E income (which was substantially greater) was used to qualify which resulted in a loss of only $-528. However, the income was increasing from 2017 after add back income, not declining; so a 24 month avg should have been used which resulted in a loss of $-1371.71 12.27.19 - Client responded. The UW used the most recent year schedule E as the 2017 returns show that the s rental property was only leased out for 102 days. 12.27.19 - Exception satisfied. 
0972883650 Lender approved DTI is 36.82%. Total calculated income for B1 is $11,105.64. PITI is $3367.16 and other debts $1574.71 with a DTI of 44.98%. Difference is rental loss. Per lender's rental income calc on page 1214, a 12 month avg of 2018 SCH E income (which was substantially greater) was used to qualify which resulted in a loss of only $-528. However, the income was increasing from 2017 after add back income, not declining; so a 24 month avg should have been used which resulted in a loss of $-1371.71 12.27.19 - Client responded. The UW used the most recent year schedule E as the 2017 returns show that the s rental property was only leased out for 102 days. 12.27.19 - Exception satisfied. 
0358894362      
0771917210 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0547163489 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0196690801 Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0459025494      
0666729178      
0640700103 Missing evidence that CD dated XXX #1 was acknowledged by the borrowers 3 days prior to consummation date of XXX #2. 2.18.20 - Client responded. Disagree. CD issued XXX, per TRID, presumed delivery is XXX. Meets 3 day timing for consummation on XXX. See attached.  2.18.20 - Exception satisfied. 
0168152019      
0306363148 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0306363148 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0228714371 CD dated XXX with a Closing Date of XXX; loan closed before end of waiting period (3 days not observed).  Initial CD is missing from the file.  2.7.20 - Client responded. Disagree: see initial CD issued on XXX and e-signed by both borrowers on XXX attached. 2.7.20 - Exception satisfied.
0711395015      
0918265848 Seller Cd not in file. Please provide Seller Cd. 2.6.20 - Client responded. Per XXX (Lender) they don't create a separate seller CD only a combined one.  See attached. 2.6.20 - Exception satisfied.
0155390259      
0974682305 The loan file is missing executed evidence that the XXX Heloc is  paid and closed to future draws.  2.6.20 - Client responded. See attached credit update showing account is closed 2.6.20 - Exception satisfied.
0974682305 Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. 2.10.20 - Client responded. Initial CD dated XXX provided along with addendum Signature page reflecting e-signed on XXX. E-consent provided as well.  2.10.20 - Exception satisfied. 
0974682305 The loan file is missing executed evidence that the XXX  Heloc is  paid and closed to future draws.   2.6.20 - Client responded. See attached credit update showing account is closed 2.6.20 - Exception satisfied.
0351891074 Missing FACTS or Affiliate Business Disclosure  (No Data) (No Data)
0226675848 A Desk review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX.  A Field  Review is recommended 2.6.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.6.20 - Exception satisfied.
0565604886 HOC List not provided in file. (No Data) (No Data)
0565604886 SPL not provided in file for fee allocation. (No Data) (No Data)
0076806311  Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data) (No Data)
0392914442      
0067751252 Missing the Seller's CD. 2.4.20 - Client responded. Disagree:  XXX provided a Borrower/Seller combined CD and alta statement.  See attached alta statement. 2.4.20 - Exception satisfied. 
0426143530 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0606553012      
0115423239      
0722315217 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0722315217 Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0707146928 Final CD XXX. Pages 2-5 not legible.  2.6.20 - Client responded. See attached more readable closing disclosure with an unsigned one with it 2.6.20 - Exception satisfied.
0971600082 Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0971600082 A Desk review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX. A field review has been ordered. 2.03.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.03.20 - Exception satisfied.
0767204093 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0767204093 Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data)
0229802107 The APR listed on the CD dated XXX does not have a value, shows as 0.00. Final CD APR amount is 3.898. 2.24.20 - Client responded. Disagree: CD with blank loan calcs on page5 was Settlement Agent CD and used for fee validation only. CD issued XXX includes all fees and loan calcs and meets timing for closing on XXX.  2.24.20 - Exception satisfied.
0412998769 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data)
0126812109 The ZERO % tolerance of $20.50 not documented with a valid COC for increased (credit report).  Requires LOX, PCCD, Refund and Proof of Shipping. 2.24.20 - Client responded. Disagree. XXX calculated fee tolerance refund of $175.10.   $154.60 for 10% category, and $20.50 for Zero percent category.  CD includes $483.10 credit for increase in closing cost above legal limits and is sufficient remediation for fee tolerance.   No additional refunds required. 2.24.20 - Exception satisfied.
0913486634      
0509924530      
0083121188 Non-numeric clerical errorCD XXX: Section Projected Payments; indicates NO to Escrows. Loan Disclosures section has a value of $XXX under Non-Escrowed Property Cost. The will not have escrow account question should have been answered along with the you declined escrow question. The $XXX value should be entered in the estimated property cost over year 1 space.PCCD required with corrections to the Escrow account section, within 60 days of discovery. 1.30.20 - Client responded. Agree: Remediation requested.1.31.20 - Client responded. See attached PC CD with updated page 4 escrow table. 1.30.20 - Exception remains. 1.31.20 - Exception satisfied. 

 

Alt Loan Number TRID Error Type Cure Method Compensating Factors
0575918361 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  24.87 months PITI reserves.  12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.97% is 18.14% below the maximum DTI of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 18.41 years.
0267055387     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 759; guidelines allow a minimum Credit Score 740.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 80.00%; guidelines allow a maximum LTV 90.00%.
0983065273 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $57,092.64- Post closing reserves $81,181.11

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.86%
0011090965 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 798 & 791 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 33.147% with a max DTI of 43%.
0011090965 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 798 & 791 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 33.147% with a max DTI of 43%.
0127206157 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  707 Credit Score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $127,140.53 = 20 PITI payments.
0327877533 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 17.53% is below the maximum of 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has been in same profession for 8 years.
0934738705 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 99 months reserves. 12 months required for this program.
0934738705 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 99 months reserves. 12 months required for this program.
0934738705 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 99 months reserves. 12 months required for this program.
0931076935 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 12.921 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 73.68%; guideline maximum is 80%.
0987760059 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 39.15%; guideline max is 43.00%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history 0x30.
0987760059 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 39.15%; guideline max is 43.00%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history 0x30.
0519746633     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 795; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.80%; guideline maximum is 43.00%.
0637415947 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 21 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.34% below guideline requirement of 43% by 11.66%
0435659717     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  20.15% DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV below guideline requirements of 80%
0647979235 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $635,115.59 or 159.45 months PITI

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 46.15% below guideline requirements of 80% by 33.85%
0301537992 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 766; guideline minimum is 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with current employer for 17 years.
0126289714 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.63%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 44 months cash reserves. 12 months required for this program.
0548410117     CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has 23 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 794 is 114 points above the minimum required score of 680.
0815077268 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 56.22%; guideline maximum is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 808; Credit score exceeds guidelines of 680
0105102761     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has excellent credit score. additional credit report was pulled with 3 scores over 800.00

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has experience in the same industry and has increased his ability for future earnings
0424196930 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $56,090.64- Post Closing reserves $489,597.73.

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 employed in same profession for 13 years
0376690722     CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 13yrs

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $365,897.14.  Reserves required $9507.49 X 12 = $114,089.88
0203513337 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 789; guideline minimum 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.96%; guideline maximum is 43.00%.
0203513337 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 789; guideline minimum 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.96%; guideline maximum is 43.00%.
0522989695 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 783 which exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.28% DTI is below max guideline of 43%.
0132647272     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.33%; guideline maximum is 43%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the same employer for 9 years.
0256142017 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $65,073.84- Post closing reserves $433,460.53

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70.46%- Max LTV per program is 80%
0321626720     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 721 and minimum required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $363,275.28; required reserves are $8143.30 x 12 = $97,719.60.
0981461070 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.97%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 99 months reserves. 12 months required for this program.
0637451753     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 787 is 107 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 16% is 27 points below the maximum required of 43%.
0273235950 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower median credit score is 733; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 39.35; guideline max is 43.00%.
0751916311 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit with a qualifying fico score of 773.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Co-Borrower has bonus income that was not used for qualifying purposes.
0751916311 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit with a qualifying fico score of 773.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Co-Borrower has bonus income that was not used for qualifying purposes.
0889562205     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 75.00%; guidelines allow a maximum LTV 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 801; guidelines allow a minimum Credit Score 680.
0427189068     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  0x30 mortgage history in past 12 months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  39.83% LTV is below max guideline of 80%.
0857947782 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 15yrs

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 64.81% is below guideline requirements
0857947782 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 15yrs

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 64.81% is below guideline requirements
0256677040     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 760; Minimum for program is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.32%; Maximum for program is 43.00%
0239784238     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.33% DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  70.25 % LTV below guideline max of 80%
0047945810     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 786 is 106 points above the minimum required score of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower's time at current job of 76 months exceeds the 24-month requirement by 52 months.
0835736938     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.52%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 77.34%. Max LTV for this program is 80.00%.
0492688172     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 760; Minimum for program is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 13+ years.
0755217415 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV is 50% and below lending requirements.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 12 years on job at XXX and is currently employed as XXX.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's credit score is 801 and exceeds lending requirements.
0755217415 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV is 50% and below lending requirements.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 12 years on job at XXX and is currently employed as XXX.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's credit score is 801 and exceeds lending requirements.
0211403208 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 790 is 110 points above the minimum required score of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1s time at current job of 163 months exceeds the 24-month requirement by 139 months.
0891574501 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71% is below the maximum of 80%

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has owned over 7 properties and has perfect mortgage history dating back over 15 years
0760685769 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.41%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 9 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been in the same profession for 7 years.
0909460216     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 72.41%; guidelines allow a maximum LTV 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 24.23%; guidelines allow a maximum DTI 43.00%.
0766577444 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent credit.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The LTV is 46% which is well below the GL maximum allowable of 70%.
0766577444 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent credit.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The LTV is 46% which is well below the GL maximum allowable of 70%.
0766577444 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent credit.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The LTV is 46% which is well below the GL maximum allowable of 70%.
0766577444 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent credit.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The LTV is 46% which is well below the GL maximum allowable of 70%.
0766577444 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent credit.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The LTV is 46% which is well below the GL maximum allowable of 70%.
0689253110 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 16%. Max DTI for this program is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in his profession for 25 years.
0689253110 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 16%. Max DTI for this program is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in his profession for 25 years.
0689253110 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 16%. Max DTI for this program is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in his profession for 25 years.
0635653804     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying Credit score 799 and above required by guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.79% and below required guideline.
0647316966 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 803 exceeds guidelines 680

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 12 years of significant time in profession
0114331938 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score 796 exceeds guidelines

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 12 years
0410705318 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession : 36 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines $90737.24 =25 months reserves
0410705318 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession : 36 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines $90737.24 =25 months reserves
0316095343     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 780 which exceeds guideline minimum of 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  68.79% LTV is below max guideline of 70%.
0638274677     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for over 8 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 21.60% which is well below the 43% allowed
0869229098     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 39 months reserves. 12 months required for this program.
0775806797 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 16.39.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the current residence for 19.56 years.
0086555443 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 801; guidelines allow a minimum Credit Score 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,041,432.26. PITIA $5,468.16 x 18 = $98,426.88
0691861716 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 756; Minimum for program is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 6.7 years.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Significant housing expense reduction exceeding $300.00 monthly.
0691861716 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 756; Minimum for program is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 6.7 years.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Significant housing expense reduction exceeding $300.00 monthly.
0447436545     CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same industry for 20 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has over 10 years at current employer
0019747202 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 24 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 59.59% and maximum allowed is 80%.
0614080412 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 773; guideline min 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.67%; guideline max is 43.00%.
0828617078     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $688,957.67.  12mo reserves or $42,612.48 required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 814; Minimum for program is 680.
0315183647 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 7.09 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.94%; guideline maximum is 43%.
0066468618 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.38%; guideline maximum is 43%.
0066468618 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.38%; guideline maximum is 43%.
0587257289     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job: 30yrs

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $26,841,900.50.  Reserves required $11,693.32 x 12 = $140,319.84
0661479127 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 54.03%; Maximum for program is 80.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $172,144.72.  Per program guidelines, 12mo PITI/PL  required or $42,057.96.
0579183155     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 783 & 760 with the minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 23.77% with the max DTI of 43%.
0960463516     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 63.32%. Max LTV for this program is 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30%. Max DTI for this program is 43%.
0382848649     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have significant time in current residence with 11.6 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 23.25 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 798 & 796 with a minimum credit score of 680.
0781117886     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 750; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 40.36%; guidelines allow a maximum DTI 43.00%.
0454239372 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 776; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.99%; guideline maximum is 43.00%.
0212460273 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employer for over 30 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV at 22.77%, well below the guideline max allowed of 70%
0212460273 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employer for over 30 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV at 22.77%, well below the guideline max allowed of 70%
0212460273 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employer for over 30 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV at 22.77%, well below the guideline max allowed of 70%
0212460273 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employer for over 30 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV at 22.77%, well below the guideline max allowed of 70%
0212460273 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employer for over 30 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV at 22.77%, well below the guideline max allowed of 70%
0282248105     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 42.63%; guidelines allow a maximum LTV 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 16.77%; guidelines allow a maximum DTI 43.00%.
0149938256 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $288,922.07.  Reserves required $5,143.74 x 12 = $61,724.88.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower on job for 25 years.
0149938256 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $288,922.07.  Reserves required $5,143.74 x 12 = $61,724.88.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower on job for 25 years.
0149938256 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $288,922.07.  Reserves required $5,143.74 x 12 = $61,724.88.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower on job for 25 years.
0149938256 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $288,922.07.  Reserves required $5,143.74 x 12 = $61,724.88.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower on job for 25 years.
0280951264     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 813 which exceeds guideline minimum of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  67.54% LTV is below max guideline of 80%.
0152026361 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Good credit history

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower  has 5 years of significant time in profession
0934228442 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 790 exceeds guidelines of 680

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 13yrs
0934228442 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 790 exceeds guidelines of 680

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 13yrs
0513436141     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 30.55% with a max DTI of 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 6 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 52.049% with a max LTV of 80%.
0665965148     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 770  exceeds guidelines 680 by 90pts

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 10yrs
0676241009     CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent credit

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his profession for 25 years.
0140413073     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves in the amount of $327,137.71 or 84.31 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 28 years
0248562007 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $47,187.96- Post closing reserves $176,075.85

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 10 years
0902138430 Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 28.72%  below guideline requirements 80% by 51.2 pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.43%  below guideline requirement 43% by 15.57%
0842481485     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  770 median score exceeds min score of 680 per guidelines

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  62.50% LTV is below guideline requirement 80% LTV
0946724327 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 806; guidelines allow a minimum Credit Score 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 25.65%; guidelines allow a maximum DTI 43.00%.
0184294920     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.97%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 12 years.
0390131541 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 775; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $259,696.06.  12mo reserves or $48,317.28 required.
0390131541 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 775; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $259,696.06.  12mo reserves or $48,317.28 required.
0165335792     CFCFS2860: Good credit history
- Clayton Comments:  Good credit history

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 756 exceeds guidelines 720 by 36pts
0439570908 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 763 exceeds guidelines of 680
0592916616     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 788 exceeds guidelines 720 by 68pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 13.7%  below guideline requirement 43% by 29.23 pts
0566403744 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.34 % DTI below guideline max of 45%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  768 credit score exceed guidelines required 680 by 88 points
0733569252 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 801 & 805 with a minimum credit score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have significant time in Professions with 18.8 and 14 years.
0128603622     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 15.64%, max allowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $148,108.25.  Reserves required $3755.77 x 12 = $45,069.24
0850788224     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  25.94 % DTI below guideline requirement of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  69.99 % LTV below guideline max of 80%
0353807147 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 778; guidelines allow a minimum Credit Score 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 40.88%; guidelines allow a maximum DTI 43.00%.
0883544783     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.68 below guideline requirement 43 by 6.32pts

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 731316.98  exceed guidelines Reserves required $4409.94 x 12 = $52919.28
0495512620     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 48.67%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 776; guidelines allow a minimum Credit Score 680.
0051185953 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 766 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.12% DTI/ 43% Max per guideline
0003400673 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 19.42 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.18%; guideline maximum is 43%.
0003400673 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 19.42 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.18%; guideline maximum is 43%.
0003400673 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 19.42 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.18%; guideline maximum is 43%.
0003400673 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 19.42 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.18%; guideline maximum is 43%.
0187283488     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 exceeds guidelines

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 6.5 years
0311275987     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been with XXX for 17.5 Years

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  bonus income not used to qualify
0660918043 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 730; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.24%; guideline max is 43.00%.
0690126901     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 773; guideline minimum is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 8 years.
0961757622 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 779 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.82% DTI is below max guideline of 43%
0246237088     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 778 which exceeds guideline minimum of 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.62% DTI is below max guideline of 43%.
0923404759     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.97% below guideline 43% by 24.03%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 67.50% below guideline requirement of 80% by 12.5%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 in same profession 23 years
0288775895 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 798; guidelines allow a minimum Credit Score 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 26.74%; guidelines allow a maximum DTI 43.00%.
0624782699 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 790; Credit score exceeds guidelines of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.97%; guideline maximum is 43%.
0624782699 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 790; Credit score exceeds guidelines of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.97%; guideline maximum is 43%.
0624782699 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 790; Credit score exceeds guidelines of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.97%; guideline maximum is 43%.
0624782699 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 790; Credit score exceeds guidelines of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.97%; guideline maximum is 43%.
0472976951 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 29.49% is below the maximum of 80%

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has been in the same profession for 19 years.
0472976951 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 29.49% is below the maximum of 80%

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has been in the same profession for 19 years.
0472976951 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 29.49% is below the maximum of 80%

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has been in the same profession for 19 years.
0472976951 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 29.49% is below the maximum of 80%

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has been in the same profession for 19 years.
0958240532     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's credit score exceeds guidelines at 783 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 21.89% with a max DTI of 43%.
0478451803 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score of 808 is 88 points above the minimum required score of 680

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B2 has significant time at current job: 13.51 years
0872152327 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $50,351.04- Post closing reserves $279,304.09

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 is in the same profession for 20 years
0872152327 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $50,351.04- Post closing reserves $279,304.09

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 is in the same profession for 20 years
0673234502 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 757 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Co Borrower has 3 years of significant time in profession
0167969947 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 797; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 35.03%; guidelines allow a maximum DTI 43.00%
0485017729     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 759; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $66,849.84.  Per program guidelines, 12mo PITI/PL  required or $51,374.28.
0108484522 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.29%; guideline maximum is 43%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with the current Employer for 12.52 years.
0108484522 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.29%; guideline maximum is 43%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with the current Employer for 12.52 years.
0108484522 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.29%; guideline maximum is 43%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with the current Employer for 12.52 years.
0458597942     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $104,194.32 or 30.65 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.32% below guideline requirement of 43% by 11.68%
0729651093 Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 11.34 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.94%; guideline maximum is 43%.
0807012578     CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same profession for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 774 and minimum required is 720.
0250616178 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.08%, max allowed per G/L is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 808; exceeds guidelines of 680
0484252462 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 23 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have owned current residence 10 years
0082394135 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 813; Minimum for program is 680.
0082394135 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 813; Minimum for program is 680.
0775480275     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 807 is 127 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 17.04% is 25.96 points below the maximum required of 43%.
0848901414 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 795 and required minimum is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 26 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 61.84% and maximum allowed is 80%.
0206504277     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 49 months reserves. 12 months required for this program.
0869104624 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 786 exceeds guidelines of 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI  10.16 below guideline requirement 43% by 32.84 pts
0147276503 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 712 exceeds guidelines of 680

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 13 years of significant time in profession

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 13 years.
0147276503 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 712 exceeds guidelines of 680

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 13 years of significant time in profession

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 13 years.
0357768666     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been XXX for 5.97 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have had 0x30 on the current Mortgage for more than 24 months.
0446767784     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has 0x30 mortgage history in past 12 months

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  60.36% LTV is below max 80% LTV.
0632163685 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 805; guidelines allow a minimum Credit Score 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 41.49%; guidelines allow a maximum DTI 43.00%.
0061627887     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $55,707.24- Post closing reserves $507,445.26

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21.44 below guideline requirement of 43%
0965799910     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 777 exceeds guideline minimum of 680 by 97 points.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been employed with current employer for 9 years.
0027206507     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.77% DTI/ 43% Max per guideline

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  73.39% LTV is below max guideline of 80%.
0649999381 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $56,263.44- Post closing reserves $449,106.43

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 53.44%- Program Max LTV is 80%
0649999381 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $56,263.44- Post closing reserves $449,106.43

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 53.44%- Program Max LTV is 80%
0763354143 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 811 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.53% is below maximum of 43%
0693582875     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 778 exceeds guidelines

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers' credit history shows 0x30 on all accounts open and closed since 2/2013.
0852820671 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has received bonus income for the last 20 months in the amount of 2018=$10,000 2019=$31,875.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has back end debt ratio of 25.49; 17.51 point below guideline of 43.00
0803617568     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.55 % DTI below guideline max of 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  32 months verified cash reserves exceed guidelines of 12 months
0804200644     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 17.03% below guideline requirement 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qualifying score. Min required per guidelines is 680.
0296321347 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 802; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $337,384.64.  Per program guidelines, 12mo PITI/PL  required or $78,047.88.
0296321347 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 802; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $337,384.64.  Per program guidelines, 12mo PITI/PL  required or $78,047.88.
0733897444     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 8.43 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 8.44 years.
0329887098     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 791 exceeds guidelines 720 by 71pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.85 below guideline requirement 43% by 13.15 pts
0421965797     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 790 and minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.70% and maximum allowed is 43%.
0476095012     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 32 months reserves. 12 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.14%. Max DTI for this program is 43.00%.
0718872886     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 778; Credit score exceeds guidelines of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post reserves are in the amount of $85,463.91.  Required reserves $4,081.67 x 12 = $48,980.16.
0636867770 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $47,521.20- Post closing reserves $103,867.75

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower FICO 793- Minimum FICO of 720 is required per Program guidelines
0267487076 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 12 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 809 and required minimum is 680.
0195728018     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 805 exceeds guidelines by 85pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 14.12 % below guideline requirement 43% by 28.88pts
0772659998 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  759 qualifying score. Min required per guidelines is 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23% below guideline requirement 43% by 20pts
0011223065 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 771 is 91 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 55% is 25 points below the maximum required LTV of 80%.
0011223065 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 771 is 91 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 55% is 25 points below the maximum required LTV of 80%.
0957037738 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 783 exceeds guidelines 720 by 63pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.69% below guideline requirement 43% by 17.31%
0287850345 Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 69.22%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 815; guidelines allow a minimum Credit Score 720.
0343009539     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 786 exceeds guidelines 720 by 66 pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.86  below guideline requirement 43% by 16%
0066565164     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.83% max per guidelines is 43%.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower has excellent mortgage payment history for over 36 months
0606360004 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 exceeds guidelines 720

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 9 years of significant time in profession
0031914111 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job: 20 YEARS

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession : 25yrs
0322977121 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified $148,557.66 -Require $57,677.88

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 10 years
0028477011 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 780  exceeds guidelines 720 by 60pts

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 15yrs
0512524979     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been in current job for 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 813 and required minimum is 680.
0189641240     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $76,073.94- Post Closing Reserves $257,303.72

CFCFS2854: Significant time in profession
- Clayton Comments:  30 years in same profession
0830259665     CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 14yrs

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative 786 Credit score exceeds guidelines 720 by 66 pts
0163768883 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI sis 24.11%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10 years.Co-Borrower has been in the same profession for 10 years.
0920564109     CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has $1,708.00 per month in additional income not used to qualify based on last 2 years w-2 average

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.74% is below the maximum of 43%
0698076187 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $136,677.96- Post closing reserves $500,188.10

CFCFS2854: Significant time in profession
- Clayton Comments:  Same profession for 20 years
0224443300 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 15 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0224443300 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 15 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0224443300 Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 15 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0578018645 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 6.0 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.57%; guideline maximum is 43%.
0660339771     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying is 815, minimum required is 680

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $991,917.28.  Reserves required $4552.29 x 12 = $54,627.48
0063181093 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI of 25.14% is below the guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves are $22,233.48, borrower having $110,100.78 after closing for cash reserves.
0722343732 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  HFI to HFI- Post closing reserves $111,304.63

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 in same profession for 10 years
0790097948     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.61% below guideline requirement of 43% by 18.39%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $202,759.98 or 42.64 months PITI
0527620912 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  20.72% DTI below guideline max 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  66.67 % LTV below guideline max of 80%
0527620912 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  20.72% DTI below guideline max 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  66.67 % LTV below guideline max of 80%
0356979259     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 5.48 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.14%; guideline maximum is 43%.
0214949090     CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 37 months exceeds guidelines 12 months

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 61.46% below guideline requirement of LTV 80% by 18.54%
0177640574 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 31.29% below guideline max of 43%

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers having a strong mortgage payment history with no lates reported.  Their whole credit profiles are very strong.
0789246402 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 810; guidelines allow a minimum Credit Score 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 76.83%; guidelines allow a maximum LTV 80.00%.
0322706730 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 779 exceeds guidelines 720 by 59pts

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job: 18YRS
0327979007     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.13 % DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  60.66% LTV below guideline max of 80%
0494951529 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed as a XXX with the same company for the past 13 + years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  54.24% LTV is below max guideline of 80%.
0252870469 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 762 is 82 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 30 years experience in profession.
0861479887     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $135,753.66 or 40.78 months. Required reserves are $3328.52  *12= $39,942.96.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.04%. Max DTI for this program is 43.00%.
0075878995     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 775 which exceeds guideline minimum of 720

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  57.92% LTV is below max guideline of 80%.
0918908337 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.33% DTI is below maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 799 exceeds guidelines
0986096742 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $53,519.16- Post closing reserves $331,953.89

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1 FICO 806- Program minimum FICO of 720 is required
0430048604     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 798; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.97%; guideline maximum is 40%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrowers median credit report is 798; guideline minimum is 680.
0543050232     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 803  exceeds guidelines 803 by 83pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 15.91 below guideline requirement 43% by 27.09pts
0565064278 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 786 exceeds guidelines of 680

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 10yrs
0565064278 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 786 exceeds guidelines of 680

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 10yrs
0727092139 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  39.60 % DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  39.60 % LTV below guideline 80% max
0389976762 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 68.50%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 777; guidelines allow for a minimum Credit Score 700.
0389976762 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 68.50%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 777; guidelines allow for a minimum Credit Score 700.
0389976762 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 68.50%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 777; guidelines allow for a minimum Credit Score 700.
0482825021 Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 15 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 24.048% with the max DTI of 43%.
0404172270 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence: 15 YRS

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $234,285.  Reserves required $3471.46 x 12 = $41,657.52
0404172270 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence: 15 YRS

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $234,285.  Reserves required $3471.46 x 12 = $41,657.52
0596803090     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 20 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 10.5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 789 & 784 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 26.487% with a max DTI of 43%.
0880963526 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $84,421.68- Post closing reserves $755,184.46

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 is employed with same company for 19 years
0575349222 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 75%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 799; guidelines allow a minimum Credit Score 720.
0180641362     CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has had excellent mortgage payment going  back to 2/2016

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower is a professional XXX for 15 years and with her current XXX since 2012
0443514365 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 769; guideline min 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.81%; guideline max is 43.00%.
0651845588 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 777 exceeds guidelines 720 by 57pts

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence 22.66yrs
0311979074     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 727 exceeds guidelines of 680

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 30 years of significant time in profession
0111122338     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 47.37%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 811; guidelines allow a minimum Credit Score 680.
0391709270 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.52% DTI below guideline max of 40%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  63.75% LTV below guideline max of 80%
0391709270 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.52% DTI below guideline max of 40%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  63.75% LTV below guideline max of 80%
0991316851 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 792 which exceeds guideline minimum of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  63.95% LTV is below max guideline of 80%.
0397813379 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 75.11%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 778; guidelines allow a minimum Credit Score 680.
0448299874 Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $85,256.16- Post closing reserves $174,202.85

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 with same employer for 7 years
0029402901 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.69%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 111 months reserves. 12 months required for this program.
0029402901 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.69%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 111 months reserves. 12 months required for this program.
0612453596 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.98 % DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  42.90% LTV below guideline max of 80%
0253531793 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI  27.54 below guideline requirement 43% by 15.46pts

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 790
0253531793 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI  27.54 below guideline requirement 43% by 15.46pts

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 790
0478034267     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  696 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.49% max per guidelines is 43%.
0617713670 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 25 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 780; Minimum for program is 680.
0496416372 Not Applicable Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent credit

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The DTI is 16% which is well below the GL maximum allowable of 43%.
0909259206 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 61.53%. Max LTV for this program is 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.82%. Max DTI for this program is 43.00%.
0887025718     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 9.77%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 42.05%. Max LTV for this program is 80.00%.
0869008815     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 785 exceeds guidelines 720 by 65pts

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 significant time in profession: 12yrs
0757533368     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 has been with the sane employer for 15 years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers have perfect mortgage payment history since 2005.
0749998744     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 798 is 118 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 15 years experience in profession.
0326350931 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 31 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same profession for 26 years.
0941590921     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.47%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $351,481.98.  Reserves required $2,938.24 x 12 = $35,258.88
0881262118     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing reserves $238,945.00 or 45.60  months, guidelines require 12 months PITIA .

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 15 years.
0413376277 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 790; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 37.44%; guidelines allow a maximum DTI 43.00%.
0796350178     CFCFS2854: Significant time in profession
- Clayton Comments:  Same profession for 18 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $42,036.  Post closing reserves $358,068.66
0598344899 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 122 months reserves. 12 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.30%. Max DTI for this program is 43.00%.
0373805812 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 29.62% is below the maximum of 80%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession for 20 years
0373805812 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 29.62% is below the maximum of 80%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession for 20 years
0666186753     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.93%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 29 months reserves. 12 months required for this program.
0984152521 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 788; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $831,474.38.  Per program guidelines, 12mo PITI/PL  required or $82,372.56.
0984152521 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 788; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $831,474.38.  Per program guidelines, 12mo PITI/PL  required or $82,372.56.
0423216499 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in the same industry for 20 years with history of increased earnings.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has mid-score of 780

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 52.63% below maximum of 80%
0283627866 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score 758; guideline minimum 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with current employer for 30 years.
0807760889 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $58,816.08- Post closing reserves $341,581.95

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus income received is not being used towards qualifying income
0643564506 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.06%, max per guidelines is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 680
0643564506 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.06%, max per guidelines is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 680
0499709015     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 16 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21.99%. Max DTI for this program is 43.00%.
0042912109 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 777 exceeds guidelines 720 by 57pts

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines 64 PITIA in reserves
0141616590     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.71% DTI/ 43% Max per guideline

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  66.87% LTV is below max guideline of 80%.
0009310433 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 14 years with current employer.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798 and required minimum is 720.
0009310433 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 14 years with current employer.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798 and required minimum is 720.
0009310433 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 14 years with current employer.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798 and required minimum is 720.
0815783276 Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $0.00 required HFI- Post closing reserves $452,194.95

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 15 years
0891883504 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 751 which exceeds guideline minimum of 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75.00% LTV is below max guideline of 80%.
0891883504 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 751 which exceeds guideline minimum of 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75.00% LTV is below max guideline of 80%.
0614343789     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 36.93%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 814; guidelines allow a minimum Credit Score 680.
0330876050     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.19% and maximum allowed is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 805 and required minimum is 680.
0508743030     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 62.08 %; max allowed per guidelines is 70%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 Average bonus income =$64,060.92/33.5=$1,912.27 month.
0054666582 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score 798 exceeds guidelines 720 by 78pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.54%,max allowed per G/L is 43%
0688153781     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.55 is  below guideline requirement 43% by 24pts

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 769 exceeds guidelines 720 by 49pts
0574802771 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 807 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 5 years of significant time in profession
0904937257     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 792 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.01% DTI is below max guideline of 43%.
0992925460 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $945,791.55

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B2 with same employer for 14 years
0992925460 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $945,791.55

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B2 with same employer for 14 years
0758558863     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 42.74%; guidelines allow a maximum LTV 70.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 770; guidelines allow a minimum Credit Score 720.
0567066302 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26.33% is 16.67 points below the maximum required of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 818 is 138 points above the minimum required score of 680.
0567066302 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26.33% is 16.67 points below the maximum required of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 818 is 138 points above the minimum required score of 680.
0567066302 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26.33% is 16.67 points below the maximum required of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 818 is 138 points above the minimum required score of 680.
0567066302 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26.33% is 16.67 points below the maximum required of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 818 is 138 points above the minimum required score of 680.
0567066302 Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26.33% is 16.67 points below the maximum required of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 818 is 138 points above the minimum required score of 680.
0665003731     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  18.48% DTI below guideline max of 45%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co - borrower has been employed with employer for 6 years
0972480194     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $757,285.04.  Per program guidelines, 12mo PITI/PL  required or $86,566.68.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 798; Minimum for program is 680.
0096428484     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 7 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 70%; guideline maximum is 80%.
0270305714     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's median credit score is 799; guideline minimum is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been with current employer for 20 years.
0697169855 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 11.9 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 774 & 799 with a minimum credit score of 680.
0024666365     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 67.15%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 798; guidelines allow a minimum Credit Score 720.
0845535508 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 25 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 775 is 95 points above the minimum required score of 680.
0845535508 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 25 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 775 is 95 points above the minimum required score of 680.
0845535508 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 25 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 775 is 95 points above the minimum required score of 680.
0885074769     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  HFI $0.00 required. Post closing reserves $256,230.81

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Employed with same company for over 12 years
0387255237 Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 52.38%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 801; guidelines allow a minimum Credit Score 720.
0299349768 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 796 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 33.625% with the max DTI at 43%.
0446571853     CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit with a qualifying score of 806.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The LTV of 59% was below the maximum LTV allowed of 80%.
0866388863 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 21.65% below guideline requirement of 70%
0866388863 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 21.65% below guideline requirement of 70%
0866388863 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 21.65% below guideline requirement of 70%
0866388863 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 21.65% below guideline requirement of 70%
0866388863 Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 21.65% below guideline requirement of 70%
0052264422 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.23% is below the maximum of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  781 qualifying score. Min required per guidelines is 680.
0458741351     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 778; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $482,656.10.  Per program guidelines, 12mo PITI/PL  required or $71,195.64.
0027375279 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 741; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $137,827.50.  Per program guidelines, 12mo PITI/PL  required or $52,090.08.
0596614185 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 18 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.57%. Max DTI for this program is 43.00%.
0596614185 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 18 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.57%. Max DTI for this program is 43.00%.
0596614185 Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 18 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.57%. Max DTI for this program is 43.00%.
0121728219 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 13 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.13% DTI is below guideline requirement
0229174358     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.91 below guideline requirement 43% by 13.09 pts

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 791 exceeds guidelines of 680.
0900410794     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 806 exceeds the guideline minimum.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0907910824     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 803 exceeds guidelines of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.44%  below guideline requirement 43% by 7.6pts
0507906396     CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit with a qualifying score of 780.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has over 9 years of service with current employer.
0839597392     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  779 qualifying score. Min required per guidelines is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 63.41%; max allowed per guidelines is 80%
0287509371 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B3 has 12 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 773
0265972722 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B! has been in the current profession for 24 years

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  812 qualifying score. Min required per guidelines is 680.
0551106617 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 45.14%; guidelines allow a maximum LTV 70.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 758; guidelines allow a minimum Credit Score 720.
0732060064 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves $499,968.60.  Reserves required $53,093.00 (12 x $4424.37).

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 43.94%; max allowed per guidelines is 70%.
0407861797 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.4%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $263,381.74. Reserves required $3,033.68 x 12 = $36,404.16

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 9 years.
0572567581     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  20.60 % DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  50.51% LTV below guideline max of 80 %
0905413073 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 786 exceeds guidelines 720 66 pts

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $248,127.50 exceed guidelines 48.17 PITIA months
0905413073 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 786 exceeds guidelines 720 66 pts

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $248,127.50 exceed guidelines 48.17 PITIA months
0111515188 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 9.37 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 748 & 803 with the minimum credit score of 680.
0290911310 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 783; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $140,808.73.  Per program guidelines, 12mo PITI/PL  required or $58,452.24.
0815799280     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.19 % DTI below guideline max 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  51.16 % LTV below guideline max of 80%
0040513115 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $0.00 reserves are required. Verified $11,839.55 in liquid assets and $122,734 in retirement account

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 60%   Max 80%
0987277079 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 5.41 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $139,638.35.  Reserves required $3,692.78 x 12=$44,313.36.
0486886922     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 64.93%. Max LTV for this program is 43.00%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21%. Max DTI for this program is 43%.
0066460386 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 758 with a minimum credit score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 30 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 33.399% with a max DTI of 43%.
0066460386 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 758 with a minimum credit score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 30 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 33.399% with a max DTI of 43%.
0788221083 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 796 and minimum required is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.03% and maximum allowed is 43%.
0150569991 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 797 exceeds guidelines 720 by 77pts

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 22 yrs
0150569991 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 797 exceeds guidelines 720 by 77pts

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 22 yrs
0150569991 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 797 exceeds guidelines 720 by 77pts

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 22 yrs
0773333636     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 791 and minimum required is 680.
0654382150 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.78%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 42 months reserves. 12 months required for this program.
0654382150 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.78%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 42 months reserves. 12 months required for this program.
0654382150 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.78%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 42 months reserves. 12 months required for this program.
0257299882 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1: Significant time in profession 20yrs

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 794 exceeds guidelines 720  by 74pts
0833201387     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 15 years of significant time in profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score  of 800 exceeds guidelines
0623212936     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.26%; guideline maximum is 43.00%.
0216887386     CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  The Borrower receives additional project income that was not used for qualifying purposes.

CFCFS2860: Good credit history
- Clayton Comments:  The Borrower has a positive repayment history with a representative credit score of 815.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The Borrower has 10 years of service with current employer.
0595309566 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession :18yrs

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  representative credit score 780 exceeds guidelines 720 by 60 pts
0006246739 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 11 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying is 800, minimum required is 720
0006246739 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 11 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying is 800, minimum required is 720
0143613020 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at same job for 24 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $62,116.56. Post closing reserves $476,173.96
0892452284 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in XXX with 22 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 799.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 61.239% with a max LTV of 80%.
0875564480 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.59%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.56%. Max LTV for this program is 80.00%.
0400794719     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 796; guidelines allow a minimum Credit Score 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 37.34%; guidelines allow a maximum DTI 43.00%.
0151931353 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.20% and maximum allowed is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 788 and minimum required is 680.
0972228840 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 752 exceeds guidelines 740 by 12pts

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence: 20YRS
0186106294 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.04 % DTI below guideline max of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 credit score exceeds guidelines requirement of 720.
0564354201 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 795 & 811 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.634% with a max DTI of 43%.
0970143808     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 51.46% and maximum allowed is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 814 and minimum required is 680.
0109879421     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 57 months reserves. 14 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.99%. Max DTI for this program is 43.00%.
0147088588     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 12 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.04% and maximum allowed is 43%.
0975143436 Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 817; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $102,439.45.  Per program guidelines, 12mo PITI/PL  required or $45,961.68.
0586695440 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been in current job for 19 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 810 and required minimum is 720.
0586695440 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been in current job for 19 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 810 and required minimum is 720.
0698879646 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  25.52% DTI below guideline of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  67.82 % LTV below guideline max of 80%
0670241357 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $560,823.79.  Reserves required $3103.13 x 12 = $37,237.56

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.73%, max allowed per G/L is 43%
0852748382 Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's median credit score is 799; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.06%; guideline maximum is 43.00%.
0745820727 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 16.48%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 45 months reserves. 12 months required for this program.
0661933393 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.43%, max allowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $697,158.50.  Reserves required $3687.20 x 12 = $44,246.40
0434461378 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 25yrs

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 760 exceeds guidelines 720 by 40pts
0966930038 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 794; guideline minimum is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 56.18%.
0073568834 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 19 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no late pays and no derogatory ratings.
0073568834 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 19 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no late pays and no derogatory ratings.
0073568834 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 19 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no late pays and no derogatory ratings.
0124118369 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  59.97% LTV is below max guideline of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.91% DTI/ 43% Max per guideline
0832406984 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 15 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.08%. Max DTI for this program is 43.00%.
0332825603 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have significant time in Profession with 18 years each.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 783 & 787 with the minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 21.66% with a max DTI of 43%.
0026931308 Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 800 which exceeds guideline minimum of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  50.98% LTV is below max guideline of 80%.
0069823872 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.35% below guideline requirement of 43% by 24.65%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $317,653.29.  Reserves required $4,502.88 x 12 = $54,034.56
0796616278 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 799 exceeds guidelines of 720

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 62.58 below guideline requirements of 70%
0183409537 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 819 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower  has 12 years of significant time in profession
0496151433 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 13 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 790 and minimum required is 720.
0381644460     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.87%. Max DTI for this program is 43.00%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus and XXX income not used to qualify.
0510226110 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 13 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.55 below guideline requirement of 43% by 8.45%
0510226110 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 13 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.55 below guideline requirement of 43% by 8.45%
0638553428 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 20 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has over 8 years in current job
0638553428 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 20 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has over 8 years in current job
0638553428 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 20 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has over 8 years in current job
0989179353 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 7 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 810 and required minimum is 680.
0827362803     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 14.73% max per guidelines is 43%.
0331670106 Not Applicable Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a fico over 800  program allows 720

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 credit score is 82 points above a minimum score of 720

CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Borrower is reducing monthly mortgage payment from XXX
0176325343     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.58%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 7 years.Co-Borrower has been in the same profession for 18 years.
0772531540 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 19 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 65.11% and maximum allowed is 80%.
0883191688 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.67%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 20 years.
0935135319     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 400 months reserves. 12 months required for this program.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 67.73%. Max LTV for this program is 80.00%.
0509172664     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.47%- Max LTV 80%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 25 years
0387913058 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 809; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 14.12%; guideline max is 43.00%.
0387913058 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 809; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 14.12%; guideline max is 43.00%.
0941628554     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been on current job for 8 years and 4 months.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.06%.  Maximum DTI per guidelines is 43%.
0811218162 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers fico score is 82 points above thin minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Loan to value is 30 percentage points below the maximum of 80%
0811218162 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers fico score is 82 points above thin minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Loan to value is 30 percentage points below the maximum of 80%
0638636821 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent credit with a 803 mid score 123 point over the minimum required score.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 1 has received over $80,000.00 in RSU and bonus income not used to qualify.
0239866751     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.68%; guideline maximum is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 69.23%; guideline maximum is 80%.
0652945414 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 783; guideline minimum is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been with current employer 3 years.
0652945414 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 783; guideline minimum is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been with current employer 3 years.
0653662535 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 29.99%, below the guideline max allowed of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV 58.49% is below the guideline max allowed of 80% for Purchase
0213695160 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59.4%- Program Maximum 80%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed with same company for over 12 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 Is employed with same company for over 12 years
0213695160 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59.4%- Program Maximum 80%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed with same company for over 12 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 Is employed with same company for over 12 years
0213695160 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59.4%- Program Maximum 80%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed with same company for over 12 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 Is employed with same company for over 12 years
0838781033     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 71.11%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 793; guidelines allow a minimum Credit Score 700.
0516679625     CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower has excellent mortgage payment history dating back to 12/2008

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 61.58%; max allowed per guidelines is 80%.
0776821255 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 46.48%; guidelines allow a maximum LTV 70.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 15.07%; guidelines allow a maximum DTI 43.00%.
0776821255 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 46.48%; guidelines allow a maximum LTV 70.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 15.07%; guidelines allow a maximum DTI 43.00%.
0493284315     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 784; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 30.42%; guidelines allow a maximum DTI 43.00%.
0055110221 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 804; guideline minimum is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been with current employer for 13 years with current employer.
0250306049     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant time at current residence with 7.6 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 792 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 17.67% with a max DTI of 43%.
0263537948 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 766 which exceeds guideline minimum of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.76% DTI is below max guideline of 43%
0649165515 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job: 17YRS

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 811  exceeds guidelines 740 by 71pts
0649165515 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job: 17YRS

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 811  exceeds guidelines 740 by 71pts
0152605952     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 10 years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Both borrowers earn bonus income which is documented but not used in qualifying.
0773170822 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $106,285.08  Reserves required $4652.24 x 12 = $55,826.88

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has occupied the subject property for 33 years
0773170822 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $106,285.08  Reserves required $4652.24 x 12 = $55,826.88

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has occupied the subject property for 33 years
0090098377     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  76.37 % LTV below guideline max of 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.30% DTI below guideline max of 45%
0067690391 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 768; guideline minimum 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 12 years.
0067690391 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 768; guideline minimum 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 12 years.
0995089380     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower on same job for 6 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  792 qualifying score. Min required per guidelines is 680
0020240931 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.38%. Max DTI for this program is 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 808. Minimum credit score for this program is 720.
0527681168     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 15.69%; guideline maximum is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 68.81%; guideline maximum is 80%.
0716570777     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 13.60 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 16.50; guideline maximum is 43%.
0691481234     CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  borrower has over 5 years of excellent pay history with XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DBR is below maxim of 43 by 8.8 percentage points
0517111211 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.74%; guideline maximum is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 741; Credit score exceeds guidelines of 720.
0212802515 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been in the same profession for 5 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.26%; guideline maximum is 43%.
0502569024 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 39.96%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 543 months reserves. 18 months required for this program.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at the same job for 10 years.
0502569024 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 39.96%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 543 months reserves. 18 months required for this program.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at the same job for 10 years.
0031042677     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  20.66 %DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV below guideline max of 80%
0139328346     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower's have significant time in Professions with 26 and 28 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 7.47 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 804 & 801 with a minimum credit score of 680.
0409087520     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75.91 % DTI below guideline max of 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  116 mos. verified reserves exceed required 12 mos reserves
0168332797 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 776 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.78 DTI is below max guideline of 43%
0401771554     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 793 exceeds guidelines 720 by 73pts

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines: $80532.96
0534772069     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  20.60%/24.45%; Program Max 36/45%

CFCFS2860: Good credit history
- Clayton Comments:  Conservative credit user
0853300137 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 758 exceeds guidelines 720 by 38pts

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history, credit since 1982 and no lates or derogs indicated.
0853300137 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 758 exceeds guidelines 720 by 38pts

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history, credit since 1982 and no lates or derogs indicated.
0175570953 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $685,984.97.  Reserves required $5046.17 x 18 = $690,831.06

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 68.09%, max allowed per G/L is 80%
0175570953 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $685,984.97.  Reserves required $5046.17 x 18 = $690,831.06

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 68.09%, max allowed per G/L is 80%
0976914039 Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 787; guidelines allow a minimum Credit Score 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 75.89%; guidelines allow a maximum LTV 80.00%.
0604718244     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $558,906.03 exceeds Required amount of $83,325.84

CFCFS2854: Significant time in profession
- Clayton Comments:  10 years in same profession
0017438879     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 787 is 107 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 20.75% is 22.25 points below the maximum required of 43%.
0225929685     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.39 below guideline requirement 43% by 9.61%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 756 exceeds guidelines of 680
0400517747 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.35 % DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  59.81 % LTV below guideline max of 80%
0817087141     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 795 exceeds guidelines 680

CFCFS2854: Significant time in profession
- Clayton Comments:  23 years of  significant time in profession
0376949180 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.71% max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  798 qualifying score. Min required per guidelines is 700.
0376949180 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.71% max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  798 qualifying score. Min required per guidelines is 700.
0571251354     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.12 % DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  79.13 % LTV below guideline max of 80%
0121920863 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.80% DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  59.24% LTV below guideline max of 80%
0121920863 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.80% DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  59.24% LTV below guideline max of 80%
0589770587     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current company for 7.62 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 74.06%; guideline maximum is 80%.
0945332449 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.19 below guideline requirement 43% by 9.81pts

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  768 qualifying score. Min required per guidelines is 680.
0382923592 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  151 mo. verified reserves.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 99 mo. 0x30 mortgage payment history.
0184084543 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 78 months reserves. 18 months required for this program.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 2 income not used to qualify.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 78.19%. Max LTV for this program is 80.00%.
0184084543 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 78 months reserves. 18 months required for this program.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 2 income not used to qualify.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 78.19%. Max LTV for this program is 80.00%.
0361062954 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.81 %. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 44.54%. CLTV 56.03%. Max LTV for this program is 70.00%.
0361062954 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.81 %. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 44.54%. CLTV 56.03%. Max LTV for this program is 70.00%.
0361062954 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.81 %. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 44.54%. CLTV 56.03%. Max LTV for this program is 70.00%.
0361062954 Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.81 %. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 44.54%. CLTV 56.03%. Max LTV for this program is 70.00%.
0537872862 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  17.03 % DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV below guideline max of 80%
0607500115 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 3 has been employed with the current employer for 19.89 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.96%; guideline maximum is 43%.
0607500115 Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 3 has been employed with the current employer for 19.89 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.96%; guideline maximum is 43%.
0607500115 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 3 has been employed with the current employer for 19.89 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.96%; guideline maximum is 43%.
0848405652 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have significant time in Profession with 10 years and 8 Years for Co-Borrower.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 725 with minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 37.99% with max DTI of 43%.
0093824078 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 53.99%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 797; guidelines allow a minimum Credit Score 680.
0153106253 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 809 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.81% DTI is below max guideline of 43%.
0141601558 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  790  qualifying score. Min required per guidelines is 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 58.67%- Program Maximum LTV is 70%
0873525496 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 19 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.03%. Max DTI for this program is 43.00%.
0763975052     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have significant time at current residence with 7.1 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 804 & 806 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 34.40% with a max DTI of 43%.
0574315880 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 757 and minimum required is 757.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same profession for 15 years.
0735188950 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 14.29% is below the maximum requirement 35% for FTHB

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 12 years.
0735188950 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 14.29% is below the maximum requirement 35% for FTHB

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 12 years.
0463185065 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.90%, max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  781 qualifying score. Min required per guidelines is 680.
0295394512 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 802 & 786 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guidelines at 23.73% with a max DTI of 35%.
0344949400 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 62.76% and maximum allowed is 80%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0344949400 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 62.76% and maximum allowed is 80%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0404038797     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.38%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $163,707.37 or 28.30 months, guidelines require 12 months.
0045372676 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 796; Minimum for program is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI for transaction is 29.81; Maximum for program is 43%.
0117467289 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 752

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 18 years experience in profession.
0117467289 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 752

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 18 years experience in profession.
0428827678 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.37% DTI below guideline requirement of 43%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been in current residence for 11 years
0428827678 Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.37% DTI below guideline requirement of 43%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been in current residence for 11 years
0060360382     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  800 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 14.22% max per guidelines is 43%.
0388660807     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 25 years of XXX

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit with a qualifying score of 749.
0184849577 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $43,722.60- Post closing reserves $389,699.01

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 49.49% - Program Maximum 80%
0184849577 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $43,722.60- Post closing reserves $389,699.01

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 49.49% - Program Maximum 80%
0479316549 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 bonus income and B2 increased income not used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 25 months reserves. 12 months required for this program.
0658790748     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 781; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.79%, guideline maximum is 43.00%.
0595359991 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 774 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.75% DTI is below max guideline of 43%
0893748906 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 799; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.17%; maximum DTI is 43.00%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been at current residence for 16 years.
0772921524     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 64.10%; guidelines allow a maximum LTV 70.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 755; guidelines allow a minimum Credit Score 720.
0820690638     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 799; guidelines allow a minimum Credit Score 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 62.09%; guidelines allow a maximum LTV 80.00%.
0580787968     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 54.44%; guidelines allow a maximum LTV 70.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 787; guidelines allow a minimum Credit Score 720.
0528165425 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.53%. Max DTI for this program is 43.00%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus and RSU not used to qualify.
0628966610 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Income from B2 not used to qualify.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34%. Max DTI for this program is 43%.
0673242717     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.76 % below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV below guideline max of 80%
0470992348     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 62.18%. Max LTV for this program is 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  TI 36.19%. Max DTI for this program is 43.00%.
0441113274 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 780; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $306,369.75.  Per program guidelines, 12mo PITI/PL  required or $61,151.64.
0412231888     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 788; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 27.44%; guidelines allow a maximum DTI 43.00%.
0837824508 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 708; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.74; guideline maximum is 43.00%.
0463439308     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 798 is 118 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 10 years experience in profession.
0480980438     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 65.44% is below guideline of 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.40% is below guideline of 43%
0143498746     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 800; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $179,135.86.  Per program guidelines, 12mo PITI/PL  required or $39,349.44.
0268079662 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.15 % DTI below guideline max of 45%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 credit score exceeds guidelines requirement of 720 by 74 points
0302416740     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 66.77% and maximum allowed is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 761 and minimum required is 680.
0405424563 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 775 which exceeds guideline minimum of 700.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's been in home for over 19 years.
0051217910     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have significant time in Professions with 11 and 9 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 813 & 817 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 23.167% with a max DTI of 43%.
0692778696     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score  of 801 exceeds guidelines of 680

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has  8 years of significant time in profession
0296054245 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 771; minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.28%, guideline max is 43.00%.
0693766255 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 23% is 20 points below the maximum required of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 800 is 120 points above the minimum required score of 680.
0317127482 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence: 27 yrs

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job: 30 yrs
0761699662     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.38%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing reserves $413,491.32 or 100.73  months, guidelines require 12 months PITIA .
0982383999     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 56.72% and maximum allowed is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 799 and minimum required is 680.
0793137276     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 786; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.49%, guideline max is 43.00%.
0415770466     CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been employed for 15 years.

CFCFS2860: Good credit history
- Clayton Comments:  0x30 mortgage history going back 18 years
0501714950     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $54,491.64- Post Closing Reserves $777,480.41

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 in same profession for 25 years
0510931562 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 807; guideline minimum 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 14 years.
0913497649     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 6.44 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 11 years.
0119177982     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 50.41% and maximum allowed is 80%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no late pays and no derogatory ratings.
0219410091     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 43.68%- Program Maximum 80%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Employed with same company for 18 years

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 18 years
0204020307 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 793; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $451,153.42  Per program guidelines, 12mo PITI/PL  required or $65,064.36.
0124612723 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.68% max per guidelines is 43%.
0423573974 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 26.73%; guidelines allow a maximum DTI 43.00%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has minimal outstanding debt; conservative user of credit.
0423573974 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 26.73%; guidelines allow a maximum DTI 43.00%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has minimal outstanding debt; conservative user of credit.
0423573974 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 26.73%; guidelines allow a maximum DTI 43.00%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has minimal outstanding debt; conservative user of credit.
0423573974 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 26.73%; guidelines allow a maximum DTI 43.00%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has minimal outstanding debt; conservative user of credit.
0423573974 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 26.73%; guidelines allow a maximum DTI 43.00%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has minimal outstanding debt; conservative user of credit.
0423573974 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 26.73%; guidelines allow a maximum DTI 43.00%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has minimal outstanding debt; conservative user of credit.
0423573974 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 26.73%; guidelines allow a maximum DTI 43.00%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has minimal outstanding debt; conservative user of credit.
0633758396 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.32 % DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves are $1,491,082.22 or 127.19 months, guidelines require 18 months reserves.
0633758396 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.32 % DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves are $1,491,082.22 or 127.19 months, guidelines require 18 months reserves.
0633758396 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.32 % DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves are $1,491,082.22 or 127.19 months, guidelines require 18 months reserves.
0633758396 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.32 % DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves are $1,491,082.22 or 127.19 months, guidelines require 18 months reserves.
0086093449     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 9 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been on her job for over 10 years.
0586306701     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 63.42%; guideline maximum is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 729;  Credit score exceeds guidelines of 680.
0357427472     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 774 which exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.11% DTI is below max guideline of 43%.
0118389141     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 36.25%. Max LTV for this program is 80.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 136 months reserves. 12 months required for this program.
0457211593     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 729 and minimum required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $134,601.68; required reserves is none, this is HFI to HFI refinance.
0849458578 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 741 and minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.05% and maximum allowed is 43%.
0881226962     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 17.04%; guideline maximum is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post reserves are in the amount of $527,757.06. Reserves required $2590.54 X 12= $31,086.48
0536317749 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 9 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.91% DTI is below max guideline of 43%.
0902805089 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 772; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.32%; guideline maximum is 43.00%.
0060289493 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  20.34% DTI below guideline max of 45%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 6 years
0342741351 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 15.03%, max allowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $296,859.70.  Reserves required $3624.42 x 12 = $43,493.04
0205794193     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close reserves are $246,054.75. Reserves required $3,686.60 * 12 = $44,239.20.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 774, minimu required is 720
0119521075     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves are $42,386.64- Post closing reserves  are $109606.96

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 26 years
0704218236 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.71 DTI below guideline requirement of 45%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 6 years
0092331800 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 782; minimum required credit score is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 35.39%; max allowed DTI per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 73.68%; max allowed LTV per guidelines is 80%.
0092331800 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 782; minimum required credit score is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 35.39%; max allowed DTI per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 73.68%; max allowed LTV per guidelines is 80%.
0351448413     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.27%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 54 months reserves. 12 months required for this program.
0966927222 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.67 below guideline requirement of 75%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $188,900.54 or 32.43 months PITI
0233355323     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 41.30 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 35.72 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.76%; guideline maximum is 43%.
0956692933 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 802 which exceeds guideline minimum of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.79% DTI/ 43% Max per guideline
0851541144 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 71.48%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 817; guidelines allow a minimum Credit Score 720.
0483586123     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $0.00 required- Post closing reserves $159,300.40

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1 FICO 808- Program requires minimum of 720
0635327011 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 798 is 118 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has 9 years experience in profession.
0574037653     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 809 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.62% DTI is below max guideline of 43%.
0224258049     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 734 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.90% DTI is below max guideline of 43%
0952676396     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 782; guideline minimum 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 15.83%; guideline maximum is 43.00%.
0144706572     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 807, minimum required is 680

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close reserves are $336,531.06. Reserves required $2,840.28 * 12 = $34,083.36.
0722137058 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit score of 809 exceeds guidelines of 680

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has 17 years of significant time at current job
0252168237 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 50.90% and maximum allowed is 70%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 14 years.
0252168237 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 50.90% and maximum allowed is 70%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 14 years.
0252168237 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 50.90% and maximum allowed is 70%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 14 years.
0950382458 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.99%; guideline maximum is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 9.77 years.
0959479961 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 747 which exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.63% DTI is below max guideline of 43%
0959479961 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 747 which exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.63% DTI is below max guideline of 43%
0885967578     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 775 and required minimum is 680.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no late pays and no derogatory ratings.
0712354255     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 784 with a minimum credit score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 15 years.
0051197645 Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been on the job for over 17 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been on the job for more than 27 years
0313465573 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.23 % DTI below guideline requirement of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 6 years
0313465573 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.23 % DTI below guideline requirement of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 6 years
0091549307 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 769; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 13.85%; guidelines allow a maximum DTI 43.00%.
0091549307 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 769; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 13.85%; guidelines allow a maximum DTI 43.00%.
0767833346     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 809 is 129 points above the minimum required score of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrowers time at current job of 229 months exceeds the 24-month requirement by 205 months.
0273589785     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 15.25% below guideline requirement of 43% by 27.75%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 46.69% below guideline requirement of 80% by 33.31%
0517043976     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  HFI $0.00 reserves are required- Post closing reserves $943,677.87

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Employed with the XXX for over 20 years
0547685704 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have significant time at current residence with 6.5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 797 & 808 with a minimum credit score or 680.
0746534248 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.12%; guideline maximum is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 67.59%; guideline maximum is 80%.
0764334177 Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's median credit score is 799; guidelines minimum is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer 8 years.
0548469352     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $107,428.95   Reserves required $3619.01 x 12 = $43,428.12

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 43.56%. max allowed per G/L is 80%
0925216256 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  19.56 % DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  53.37 % LTV below guideline max of 80%
0925216256 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  19.56 % DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  53.37 % LTV below guideline max of 80%
0978099742 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 789 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guidelines at 21.16% with max DTI of 43%.
0978099742 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 789 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guidelines at 21.16% with max DTI of 43%.
0370797674 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX as an XXX for more than 12.5 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.15% below guideline requirement of 43%
0370797674 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX as an XXX for more than 12.5 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.15% below guideline requirement of 43%
0309305644     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 54.45%- Program Maximum 80.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $35,671.20- Post closing reserves $337,101.77
0532294495 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 19 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.96% and maximum allowed is 43%.
0217886850     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 819; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 34.56%; guidelines allow a maximum DTI 43.00%.
0040730354     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 811; guidelines minimum is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 10 years.
0202345953     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 813 which exceeds guideline minimum of 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.28% DTI is below max guideline of 43%.
0768373910 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.21 % DTI below guideline max of 45%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 credit score below guideline requirements of 740 by 34 points
0700768695     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.58% DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  60.23% LTV below guideline max of 80%
0891984460 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 787 is 107 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years experience in profession.
0482601211     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI  14.98 below guideline requirement 43% by 28.02 pts

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score  792 exceeds guidelines 720 by 72pts
0202412456     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.04 % DTI below guideline max of 45%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 9.99 years
0029201256     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.23%; guideline maximum is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in the same industry for 21 years.
0294313058 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 17.44.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 8.89.
0377470874     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 799 which exceeds guideline minimum of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  20.71% DTI is below max guideline of 43%
0091942360 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 780 exceeds guidelines 720 by 60pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.20% below guideline requirement 43 by 9pts
0091942360 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 780 exceeds guidelines 720 by 60pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.20% below guideline requirement 43 by 9pts
0976171249 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 19 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 790 and minimum required is 680.
0976171249 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 19 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 790 and minimum required is 680.
0069149606 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence 14.37

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.78 below guideline requirement 43% by 12.22 pts
0956538933     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 797 is 117 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 14 years experience in profession.
0667700380     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 775 is 95 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 37 years experience in profession.
0772988316     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 799 & 785 with a minimum credit score of 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 14.7 years.
0820694736 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.14%; guideline maximum is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 800;  Credit score exceeds guidelines of 720.
0863735770     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 802 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 4 years of significant time in profession
0659371858     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 810 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 4 years of significant time in profession
0088488729     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 798 & 789 with a minimum credit score of 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 28.68 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.986% with a max DTI of 43%.
0382968816 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has been with employer for 5 years and 6 months

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower's have 0*30*24 on current mortgage
0382968816 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has been with employer for 5 years and 6 months

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower's have 0*30*24 on current mortgage
0620963315 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid-credit score 781 exceeds guideline minimum requirement of 720 by 61 points.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $733,884.45.  Reserves required $3,944.93 x 18 = $71,008.74.
0620963315 Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid-credit score 781 exceeds guideline minimum requirement of 720 by 61 points.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $733,884.45.  Reserves required $3,944.93 x 18 = $71,008.74.
0950664319 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers' Credit Score 792; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers' DTI 32.63%; guidelines allow a maximum DTI 43.00%.
0950664319 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers' Credit Score 792; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers' DTI 32.63%; guidelines allow a maximum DTI 43.00%.
0197227847     CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 10YRS

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.05  below guideline requirement 43% BY 22.95%
0915378242     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 793; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $937,143.08.  Per program guidelines, 12mo PITI/PL  required or $41,196.72.
0706622870     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 749 exceeds guidelines 680

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 12 years of significant time in profession
0232102532 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guidelines at 30.25%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 787 exceeds required by guidelines.
0376404004 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.11%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10 years.
0714406094 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 797 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 8 years of significant time in profession
0983538365 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 721, credit score exceeds guidelines
0983538365 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 721, credit score exceeds guidelines
0433553551     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been a XXX for 14 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Debt ratio for this program is 43% maximum borrower is at 26.5
0410954749 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 724 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  40.43% DTI is below max guideline of 43%
0361026646 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $289738.06or 49.50 months PITI. Required reserves are 12 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 9yrs
0361026646 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $289738.06or 49.50 months PITI. Required reserves are 12 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 9yrs
0664144213 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 33.44% below guideline max of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 having 13 years with same employer as an XXX.
0555664563 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 793 is 113 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 7 years experience in profession.
0980694010 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $128,281.83.  Reserves required $5505.60 x 12 = $66,067.20

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 7 years
0534944349     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has with the same employer for 15 Years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  borrowers have excellent credit fico score is 100 points over the minimum of 680
0896411322     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 784 which exceeds guideline minimum of 680

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  60.98% LTV is below max guideline of 80%
0571423561 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  20.28 % DTI below guideline max of 45%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the job for 11.79 years
0367085192     CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 16 yrs

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 791 exceeds guidelines of 680.
0091601491 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 800; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 15.91%; guideline maximum is 43.00%.
0009931046 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.08 % DTI below guideline max of 43%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower had been employed with company for 7 years
0200826751 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.26% DTI  below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  74.97 % LTV below guideline max of 80%
0071382981     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 778 which exceeds guideline minimum of 700.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been employed as a XXX with the same company for the past 8 + years.
0596315097     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 58.01% and maximum allowed is 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 22 years.
0879273427 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has 12 years experience in profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.53% is 22.47 points below the maximum required LTV of 80%.
0634208653     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession 16 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.13%; guideline maximum is 43%.
0814095225 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned the subject property 16.92 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 28 years in the same profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  61.30% LTV is below the max permitted 70%.
0814095225 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned the subject property 16.92 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 28 years in the same profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  61.30% LTV is below the max permitted 70%.
0771728646 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 800  exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.88% below guideline requirement 35%
0771728646 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 800  exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.88% below guideline requirement 35%
0404029043     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.19%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 37 months reserves. 12 months required for this program.
0375759553     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 809 is 129 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years experience in profession.
0640925264     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 762 above the minimum required score of 7200.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 15 years experience in profession.
0393988829 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 771; guideline minimum is 720.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been with current employer for 34 years.
0393988829 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 771; guideline minimum is 720.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been with current employer for 34 years.
0106776327     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $428,079.80.  Reserves required $7420.24 x 12 = $89,042.88

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum of 720 is required. Borrower FICO is 808
0079462421     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 26.33% which is well below the guideline max allowed of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV 37.45% is well below the guideline max allowed of 80%
0499972963 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 8.64 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.92%; guideline maximum is 43%.
0499972963 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 8.64 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.92%; guideline maximum is 43%.
0945949703 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 806 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 58.62% is below the maximum of 80%
0945949703 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 806 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 58.62% is below the maximum of 80%
0689465985 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI under guidelines at 23.6%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves in excess of 163k.
0689465985 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI under guidelines at 23.6%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves in excess of 163k.
0131720101     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 32 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.06%. Max DTI for this program is 43.00%.
0812909615 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  797 qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.37% max per guidelines is 43%.
0881792887     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 759 exceeds guidelines of 720

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 12 years of significant time in profession
0219977465     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  HFI to HFI $0.00 required. Post closing reserves $66,937.48

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 21 years
0957914529 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 800 exceeds guideline requirement

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 3 years of significant time in profession
0169817285     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.22%; guideline maximum is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 21.49 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 21.51 years.
0819058018     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 30 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 3 years at present job
0102206851 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  19.16 % DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV below guideline max of 80%
0453939203     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.79%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 22 months reserves. 12 months required for this program.
0261087678     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.46% below guideline requirement of 43% by 19.54%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $252,870.18 or 61.78 months PITI
0410605347     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 187 months reserves. 12 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.42%. Max DTI for this program is 43.00%.
0723471326     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 807 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.81% DTI is below max guideline of 43%
0111368640 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 798; minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 17.43%; guideline maximum is 43.00%.
0111368640 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 798; minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 17.43%; guideline maximum is 43.00%.
0395677022     CFCFS1736: Significant time at current residence
- Clayton Comments:  Residing in subject property for 10 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Employed as a XXX for 14 years
0232215406     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 814 and minimum required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $214,192.55; required reserves is $6382.70 x 12 = $76,592.40.
0144237327 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in same position for at least 20 years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has RSU and bonus income not used to qualify as well as documented rental income
0144237327 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in same position for at least 20 years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has RSU and bonus income not used to qualify as well as documented rental income
0144237327 Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in same position for at least 20 years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has RSU and bonus income not used to qualify as well as documented rental income
0370125516 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  757 qualifying score. Min required per guidelines is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 59.99%; max allowed per guidelines is 80%.
0370125516 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  757 qualifying score. Min required per guidelines is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 59.99%; max allowed per guidelines is 80%.
0522663268 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 808 and required minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.91% and maximum allowed is 43%.
0973374097     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 783 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  16.53% DTI is below max guideline of 43%
0984797009 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 31.51% with max allowed of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV 63.60% max allowed per guides is 80%
0542370164 (No Data) Not Applicable 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 18.81%; guideline maximum is 43%.
0542370164 (No Data) Not Applicable 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 18.81%; guideline maximum is 43%.
0933447834 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 16.73%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 57 months cash reserves. 12 months required for this program.
0605984110     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 25.96% Max allowed per guidelines is 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV is 76.18%, max allowed per guidelines is 80%
0546204603 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 794; guideline minimum 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 14.35%; guideline maximum is 43.00%.
0426822088     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 15.4 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant time at current residence with 10.5 years.
0520541188 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 9.91 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 12.32 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit score of 796 exceeds guideline minimum.
0918893707     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 795 is 115 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has 14 years experience in profession.
0773985689     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 799 exceeds guidelines of 720

CFCFS2854: Significant time in profession
- Clayton Comments:  Co Borrower has 20 years of significant time in profession
0712328488 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 807; guideline minimum 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.46%; guidelines maximum 43.00%.
0298754410 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 25 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 816 exceeds guidelines
0298754410 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 25 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 816 exceeds guidelines
0565708630 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 795; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.06%; guideline maximum is 43.00%.
0693331121     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 811 exceeds guidelines 720 by 91 pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.31  below guideline requirement 43 by 7.69 pts
0010198152 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in their profession for 15 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 15.60% and maximum allowed is 43%.
0821471921     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 791 is 111 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years experience in profession.
0923590549 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 787; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 31.23%; guidelines allow a maximum DTI 43.00%.
0802857906     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  current DTI 27.28% which is well below the guideline max allowed of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV 75% which is below the guideline max allowed of 80%
0997213008 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 810; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 35.90%; guidelines allow a maximum DTI 43.00%.
0975403979 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 783 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.48% DTI is below max guideline of 43%
0975403979 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 783 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.48% DTI is below max guideline of 43%
0975403979 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 783 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.48% DTI is below max guideline of 43%
0535894813 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 801; guideline minimum is 720

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been with current employer for 19 years.
0365910182     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 777 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.23% DTI is below max guideline of 43%.
0187488264 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 791 is 111 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 18 years experience in profession.
0925229322 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 803 exceeds guidelines of 680

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 15 years of significant time at current job
0146415154     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $61,304.76- Post closing reserves $270,605.20

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 is in the same profession for 13 years
0639052776     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 802 exceeds guidelines 720 by 82pts

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 25yrs
0490230167 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.90% DTI below guideline max of 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  43 months reserves exceeds guideline max of 12 mos.
0294870117     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI under guidelines at 30.6%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves in excess of 186k.
0653501772 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 15 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a 801 fico score which is 121 points over the program minimum of 680
0653501772 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 15 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a 801 fico score which is 121 points over the program minimum of 680
0653501772 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 15 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a 801 fico score which is 121 points over the program minimum of 680
0653501772 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 15 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a 801 fico score which is 121 points over the program minimum of 680
0653501772 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 15 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a 801 fico score which is 121 points over the program minimum of 680
0839433194     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 32.89% below the guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV 71.09% guideline max allowed 80%
0889767161     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 806; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.08%; guideline maximum is 43.00%.
0519719850 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.04%. Max DTI for this program is 43.00%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 29 years.
0072565397     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  22.43% DTI below guideline max of 45 %

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  76.96 % LTV below guideline max of 80%
0044944341     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 810 exceeds guidelines of 680

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 8 years of significant time in profession
0519937737 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score 790; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.43%; guideline maximum is 43.00%.
0519937737 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score 790; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.43%; guideline maximum is 43.00%.
0113023418 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 761 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  13.94% DTI is below max guideline of 43%
0419701598     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 789; minimum credit score is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $239,263.50.  Per program guidelines, 12mo PITI/PL  required or $47,157.12.
0433036086 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 818 is 138 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 4 years experience in profession.
0108834875 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.16% is 11.84 points below the maximum required of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 797 minimum required is 720
0132138184 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 15.78%. Max DTI 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 22 months reserves. 12 months required for this program.
0867149051 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 14 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 63.26% and maximum allowed is 80%.
0867149051 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 14 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 63.26% and maximum allowed is 80%.
0867149051 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 14 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 63.26% and maximum allowed is 80%.
0867149051 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 14 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 63.26% and maximum allowed is 80%.
0270896285 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  41.64 % DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  70% LTV below guideline max of 80%
0270896285 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  41.64 % DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  70% LTV below guideline max of 80%
0975869822     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 811; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.88%; guideline maximum is 43.00%.
0989004130     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 809; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.35%; guideline maximum is 43.00%.
0715079630     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 19 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 53.79% and maximum allowed is 80%.
0807446297     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 788; guideline minimum 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 13.45%; guideline maximum is 43.00%.
0420672372 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 68.86%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 784; guidelines allow a minimum Credit Score 720.
0911888537     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 74.53%; guidelines allows a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 777; guidelines allow a minimum Credit Score 720.
0339550150     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 43.05%- Max LTV for program is 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $60,042.72- Post closing reserves $89,770.54
0554068076     CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory credit and uses credit conservatively.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has $390,147.23/ 80months reserves
0626886708     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 772 and minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 19.261% and maximum allowed is 43%.
0520562074 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 808 is 128 points above the minimum required score of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1s time at current job of 146 months exceeds the 24-month requirement by 122 months.
0520562074 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 808 is 128 points above the minimum required score of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1s time at current job of 146 months exceeds the 24-month requirement by 122 months.
0715130396     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $81,844.20- Post closing reserves $1,260,692.12

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 23 years
0412918962     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 800 which exceeds guideline minimum of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.91% DTI is below max guideline of 43%
0673145296 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.56%; max allowed per guidelines is 80%.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower2 has new employment with a company that should result in a increase in earnings
0636405648 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 22.65 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 799; Credit score exceeds guidelines of 720.
0636405648 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 22.65 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 799; Credit score exceeds guidelines of 720.
0636405648 Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 22.65 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 799; Credit score exceeds guidelines of 720.
0587971925     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.41%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 78.83%. Max LTV for this program is 80.00%.
0974393174     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 814; guidelines allow a minimum Credit Score 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 70.87%; guidelines allow a maximum LTV 80.00%.
0797935485 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.21%. Max DTI for this program is 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 742. Minimum credit score for this program is 720.
0072126655     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $55,536- Post closing reserves $389,223.07

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 20 years
0328916245 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.32%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 67 months reserves. 12 months required for this program.
0328916245 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.32%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 67 months reserves. 12 months required for this program.
0862463429 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.73 % DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  76.47 % LTV below guideline max of 80%
0325676310     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 90 months reserves. 12 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.60%. Max DTI for this program is 43.00%.
0463171726     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 805; guideline minimum is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 6 years.
0305104473     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 17.94% max per guidelines is 43%.
0855732233 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in their professions for 20 years or more.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.244% and maximum allowed is 43%.
0310086781 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 772 exceeds guidelines of 720

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 24 years of significant time in profession
0079429953 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 25 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 34.09% and maximum allowed is 80%.
0099697552     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 20.55 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 22.51 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.40%; guideline maximum is 43%.
0686090594     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified 41 mo. reserves.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 12.42 years.
0796220400     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 791 is 111 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 22 years experience in profession.
0520364320     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 69.63% and maximum allowed is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.25% and maximum allowed is 43%.
0519255874 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.63 % DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  59.17 % LTV below guideline of 80%
0398569103     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 807 and required minimum is 807.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.18% and maximum allowed is 43%.
0675142207 Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 31.67%- Max LTV 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $40,725- Post closing reserves $579,300.15
0900815225     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.58% DTI.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years of  significant time in profession
0867257622 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $0.00 in reserves- HFI- Post closing reserves $68,967.32

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 25 years
0867257622 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $0.00 in reserves- HFI- Post closing reserves $68,967.32

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 25 years
0199561455 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 794

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers mortgage payment history is 0*30 in the last 24 months.
0613158755 Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 793; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.01%; guideline maximum is 43.00%.
0552172577 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $365,671.62 or 53.81 months

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 6 years
0552172577 Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $365,671.62 or 53.81 months

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 6 years
0513330913 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 10 years and 7 months.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with current employer for 5 years and 8 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in XXX for 11 years.Co-borrower has worked in XXX for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary borrower has 806 credit score.  700 required.
0513330913 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 10 years and 7 months.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with current employer for 5 years and 8 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in XXX for 11 years.Co-borrower has worked in XXX for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary borrower has 806 credit score.  700 required.
0151119228     CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same profession for 9 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 8.6 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 53.85% is 26.15% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO 798 is 98 points higher than 700.
0337664369 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 813; guidelines allow a minimum Credit Score 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 72.27%; guidelines allow a maximum LTV 80.00%.
0337664369 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 813; guidelines allow a minimum Credit Score 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 72.27%; guidelines allow a maximum LTV 80.00%.
0809587041     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 796; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 31.68%; guidelines allow a maximum DTI 43.00%.
0199133857 Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 median score exceeds min score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.57% DTI  is below max guideline of 43% DTI
0783812218 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 802, minimum required is 680

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $247,468.68.  Reserves required $4095.38 x 12 = $49,144.56
0783812218 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 802, minimum required is 680

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $247,468.68.  Reserves required $4095.38 x 12 = $49,144.56
0783812218 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 802, minimum required is 680

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $247,468.68.  Reserves required $4095.38 x 12 = $49,144.56
0011801226 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 74.50%; guidelines allow a higher LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 796; guidelines allow a minimum 720.
0663053020 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 793; Minimum for program is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 8 years.
0471475459     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has 39 years at current job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 775 exceeds guidelines
0167413481     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.24% DTI below guideline max of 45%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  784 fico score exceeds guidelines requirement of 740 by 44 points
0506335865 (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  borrower has excellent mortgage payment history

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Loan to value at XXX% is below program guidelines
0506335865 (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  borrower has excellent mortgage payment history

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Loan to value at XXX% is below program guidelines
0506335865 (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  borrower has excellent mortgage payment history

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Loan to value at XXX% is below program guidelines
0120417966 (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have 0x30 reflecting timely mortgage payments.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 26 years in chosen profession.
0614626177     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 72.74%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 820; guidelines allow minimum Credit Score 720.
0628812501 Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 805 is 125 points above the minimum required score of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.
0945694819 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 4.24%; guideline maximum is 43%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the current residence for 22 years.
0945694819 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 4.24%; guideline maximum is 43%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the current residence for 22 years.
0775699939     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 772 and minimum required is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.43% and maximum allowed is 43%.
0783238917 (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Excellent mortgage payment history for over 48 months, guidelines require 24 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 20 years.
0783238917 Not Applicable Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Excellent mortgage payment history for over 48 months, guidelines require 24 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 20 years.
0051460754 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 65 months reserves or $306,151.96. 16 months required for this program.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1 mid qualifying score of 785 exceeds guideline min.
0474630771 Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 24.2 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 23.3 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guideline at 801 & 774 with a minimum credit score of 680.
0808185458 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have significant time at current residence with 7.4 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 24 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 801 & 791 with minimum credit score of 740.
0551536361 Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  25.82% DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV below guideline max of 80%
0768946622 Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.16%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 31 months reserves. 12 months required for this program.
0666036899     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 11 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 804, minimum required is 720
0972883650 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $167,680.06.  Reserves required $3367.19 X 12 = $40,406.28

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 772, minimum required is 720%
0972883650 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $167,680.06.  Reserves required $3367.19 X 12 = $40,406.28

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 772, minimum required is 720%
0358894362     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  806 qualifying score. Min required per guidelines is 700

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 23 years experience in profession.
0771917210 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21.62%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $89,670.45 or 24.51 months, guidelines require 12 months.
0547163489 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 771 exceeds guidelines of 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.63 below guideline requirement of 43%
0196690801 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 806; guideline minimum is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 6 years.
0459025494     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 783; guidelines allow a minimum Credit Score 720.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with minimum outstanding debt.
0666729178     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 703 is 23 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 6 years experience in profession.
0640700103 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 781, minimum required is 720

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $79,316.19.  Reserves required $3030.99 x 18 = $54,557.82
0168152019     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32% below guideline requirement 43% by 11pts

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds guidelines
0306363148 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 804 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 15 years of significant time in profession
0306363148 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 804 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 15 years of significant time in profession
0228714371 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $243,592.85.  Reserves required $4952.95 x 12 = $59,435.40

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.39%, max allowed per G/L is 43%
0711395015     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $505,559.96.  Reserves required $4866.59 x 12 = $58,399.08

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 21 years
0918265848 Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  788 qualifying score. Min required per guidelines is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co Borrower has 3 years of significant time in profession
0155390259     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 795 exceeds guidelines of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 47 years of significant time in profession
0974682305 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 62.68% and maximum allowed is 70%.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower has no late payments on the mortgage in the past 3 years.
0974682305 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 62.68% and maximum allowed is 70%.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower has no late payments on the mortgage in the past 3 years.
0974682305 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 62.68% and maximum allowed is 70%.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower has no late payments on the mortgage in the past 3 years.
0351891074 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 803; guidelines allow a minimum Credit Score 720.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has established a satisfactory payment history and currently reflects minimal outstanding debt.
0226675848 Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 18 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 790 and minimum required is 700.
0565604886 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 764 and minimum required is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $152,434.48; required reserves is $4247.87 x 12 = $50,974.44.
0565604886 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 764 and minimum required is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $152,434.48; required reserves is $4247.87 x 12 = $50,974.44.
0076806311 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in business for over 15 years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history goes back 15 years and borrower has never missed a payment
0392914442     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  823 qualifying score. Min required per guidelines is 700.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has  34 years of significant time in profession
0067751252 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  801 qualifying score. Min required per guidelines is 700.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 12 years experience in profession.
0426143530 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 811 and minimum required is 700.
0606553012     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 14 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0115423239     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 8.8 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 11 years.
0722315217 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.24  below guideline requirement 43% BY 8.76 pts

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 753 exceeds guidelines of 700.
0722315217 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.24  below guideline requirement 43% BY 8.76 pts

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 753 exceeds guidelines of 700.
0707146928 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 801 is 121 points above the minimum required score of 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2's time at current job of 157 months exceeds the 24-month requirement by 133 months.
0971600082 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $288,070.95; required reserves $7665.01 x 12 = $91,980.12.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 770 and required minimum is 720.
0971600082 Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $288,070.95; required reserves $7665.01 x 12 = $91,980.12.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 770 and required minimum is 720.
0767204093 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 70%, max allowed per G/L is 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $197,667.01.  Reserves required $4445.55 x 12 = $53,346.60
0767204093 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 70%, max allowed per G/L is 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $197,667.01.  Reserves required $4445.55 x 12 = $53,346.60
0229802107 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.22 % DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  71.61% LTV below guideline max of 80%
0412998769 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  797 qualifying score. Min required per guidelines is 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 62% is 18 points below the maximum required LTV of 80%.
0126812109 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qualifying score. Min required per guidelines is 700

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has 19 years experience in profession.
0913486634     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 10 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $55,463.80. Reserves required $3338.47 x 12 = $40,061.64
0509924530     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 17 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 760 is 80 points above the minimum required score of 680.
0083121188 Non-Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 21 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 803 is 123 points above the minimum required score of 680.

 

 

 

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-3
Start - End Dates: 2/2017-6/2020
Deal Loan Count: 693
   
                                           
Conditions Report 2.0                                      
                                           
Loans in Report: 693                                      
Loans with Conditions: 394                                      

 

Alt 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
0575918361 Yes XXXXXX XXXXXX B B B B
0267055387 Yes XXXXXX XXXXXX A A A A
0983065273 Yes XXXXXX XXXXXX A A A A
0011090965 Yes XXXXXX XXXXXX B B B B
0127206157 Yes XXXXXX XXXXXX B B B B
0327877533 Yes XXXXXX XXXXXX C A A A
0934738705 Yes XXXXXX XXXXXX C B B B
0931076935 Yes XXXXXX XXXXXX A A A A
0987760059 Yes XXXXXX XXXXXX B B B B
0519746633 Yes XXXXXX XXXXXX A A A A
0637415947 Yes XXXXXX XXXXXX D A D A
0435659717 Yes XXXXXX XXXXXX A A A A
0647979235 Yes XXXXXX XXXXXX A A A A
0301537992 Yes XXXXXX XXXXXX C A A A
0126289714 Yes XXXXXX XXXXXX B B B B
0548410117 Yes XXXXXX XXXXXX A A A A
0815077268 Yes XXXXXX XXXXXX A A A A
0105102761 Yes XXXXXX XXXXXX A A A A
0424196930 Yes XXXXXX XXXXXX A A A A
0376690722 Yes XXXXXX XXXXXX A A A A
0203513337 Yes XXXXXX XXXXXX C B B B
0522989695 Yes XXXXXX XXXXXX A A A A
0132647272 Yes XXXXXX XXXXXX A A A A
0256142017 Yes XXXXXX XXXXXX A A A A
0321626720 Yes XXXXXX XXXXXX A A A A
0981461070 Yes XXXXXX XXXXXX A A A A
0637451753 Yes XXXXXX XXXXXX A A A A
0273235950 Yes XXXXXX XXXXXX B B B B
0751916311 Yes XXXXXX XXXXXX D A D A
0889562205 Yes XXXXXX XXXXXX A A A A
0427189068 Yes XXXXXX XXXXXX A A A A
0857947782 Yes XXXXXX XXXXXX B B B B
0256677040 Yes XXXXXX XXXXXX A A A A
0239784238 Yes XXXXXX XXXXXX A A A A
0047945810 Yes XXXXXX XXXXXX A A A A
0835736938 Yes XXXXXX XXXXXX A A A A
0492688172 Yes XXXXXX XXXXXX A A A A
0755217415 Yes XXXXXX XXXXXX C B A A
0211403208 Yes XXXXXX XXXXXX C A A A
0891574501 Yes XXXXXX XXXXXX A A A A
0760685769 Yes XXXXXX XXXXXX A A A A
0909460216 Yes XXXXXX XXXXXX A A A A
0766577444 Yes XXXXXX XXXXXX D B D B
0689253110 Yes XXXXXX XXXXXX D B D A
0635653804 Yes XXXXXX XXXXXX A A A A
0647316966 Yes XXXXXX XXXXXX A A A A
0114331938 Yes XXXXXX XXXXXX A A A A
0410705318 Yes XXXXXX XXXXXX D A D A
0316095343 Yes XXXXXX XXXXXX A A A A
0638274677 Yes XXXXXX XXXXXX A A A A
0869229098 Yes XXXXXX XXXXXX A A A A
0775806797 Yes XXXXXX XXXXXX B B B B
0086555443 Yes XXXXXX XXXXXX A A A A
0691861716 Yes XXXXXX XXXXXX C B C B
0447436545 Yes XXXXXX XXXXXX A A A A
0019747202 Yes XXXXXX XXXXXX A A A A
0614080412 Yes XXXXXX XXXXXX D A A A
0828617078 Yes XXXXXX XXXXXX A A A A
0315183647 Yes XXXXXX XXXXXX B B B B
0066468618 Yes XXXXXX XXXXXX A A A A
0587257289 Yes XXXXXX XXXXXX A A A A
0661479127 Yes XXXXXX XXXXXX A A A A
0579183155 Yes XXXXXX XXXXXX A A A A
0960463516 Yes XXXXXX XXXXXX A A A A
0382848649 Yes XXXXXX XXXXXX A A A A
0781117886 Yes XXXXXX XXXXXX A A A A
0454239372 Yes XXXXXX XXXXXX A A A A
0212460273 Yes XXXXXX XXXXXX D B D B
0282248105 Yes XXXXXX XXXXXX A A A A
0149938256 Yes XXXXXX XXXXXX D B D B
0280951264 Yes XXXXXX XXXXXX A A A A
0152026361 Yes XXXXXX XXXXXX B B A A
0934228442 Yes XXXXXX XXXXXX C B B B
0513436141 Yes XXXXXX XXXXXX A A A A
0665965148 Yes XXXXXX XXXXXX A A A A
0676241009 Yes XXXXXX XXXXXX A A A A
0140413073 Yes XXXXXX XXXXXX A A A A
0248562007 Yes XXXXXX XXXXXX A A A A
0902138430 Yes XXXXXX XXXXXX C A A A
0842481485 Yes XXXXXX XXXXXX A A A A
0946724327 Yes XXXXXX XXXXXX B B A A
0184294920 Yes XXXXXX XXXXXX A A A A
0390131541 Yes XXXXXX XXXXXX C B A A
0165335792 Yes XXXXXX XXXXXX A A A A
0439570908 Yes XXXXXX XXXXXX B B B B
0592916616 Yes XXXXXX XXXXXX A A A A
0566403744 Yes XXXXXX XXXXXX B B B B
0733569252 Yes XXXXXX XXXXXX C A A A
0128603622 Yes XXXXXX XXXXXX A A A A
0850788224 Yes XXXXXX XXXXXX A A A A
0353807147 Yes XXXXXX XXXXXX A A A A
0883544783 Yes XXXXXX XXXXXX A A A A
0495512620 Yes XXXXXX XXXXXX A A A A
0051185953 Yes XXXXXX XXXXXX A A A A
0003400673 Yes XXXXXX XXXXXX D B D B
0187283488 Yes XXXXXX XXXXXX A A A A
0311275987 Yes XXXXXX XXXXXX A A A A
0660918043 Yes XXXXXX XXXXXX C B A A
0690126901 Yes XXXXXX XXXXXX A A A A
0961757622 Yes XXXXXX XXXXXX A A A A
0246237088 Yes XXXXXX XXXXXX A A A A
0923404759 Yes XXXXXX XXXXXX A A A A
0288775895 Yes XXXXXX XXXXXX A A A A
0624782699 Yes XXXXXX XXXXXX B B B B
0472976951 Yes XXXXXX XXXXXX D B D B
0958240532 Yes XXXXXX XXXXXX A A A A
0478451803 Yes XXXXXX XXXXXX A A A A
0872152327 Yes XXXXXX XXXXXX B B B B
0673234502 Yes XXXXXX XXXXXX A A A A
0167969947 Yes XXXXXX XXXXXX B B B B
0485017729 Yes XXXXXX XXXXXX A A A A
0108484522 Yes XXXXXX XXXXXX D A D A
0458597942 Yes XXXXXX XXXXXX A A A A
0729651093 Yes XXXXXX XXXXXX C C A A
0807012578 Yes XXXXXX XXXXXX A A A A
0250616178 Yes XXXXXX XXXXXX B B B B
0484252462 Yes XXXXXX XXXXXX B B A A
0082394135 Yes XXXXXX XXXXXX D B B B
0775480275 Yes XXXXXX XXXXXX A A A A
0848901414 Yes XXXXXX XXXXXX B B A A
0206504277 Yes XXXXXX XXXXXX A A A A
0869104624 Yes XXXXXX XXXXXX A A A A
0147276503 Yes XXXXXX XXXXXX B B B B
0357768666 Yes XXXXXX XXXXXX A A A A
0446767784 Yes XXXXXX XXXXXX A A A A
0632163685 Yes XXXXXX XXXXXX A A A A
0061627887 Yes XXXXXX XXXXXX A A A A
0965799910 Yes XXXXXX XXXXXX A A A A
0027206507 Yes XXXXXX XXXXXX A A A A
0649999381 Yes XXXXXX XXXXXX D A D A
0763354143 Yes XXXXXX XXXXXX A A A A
0693582875 Yes XXXXXX XXXXXX A A A A
0852820671 Yes XXXXXX XXXXXX A A A A
0803617568 Yes XXXXXX XXXXXX A A A A
0804200644 Yes XXXXXX XXXXXX A A A A
0296321347 Yes XXXXXX XXXXXX C B B B
0733897444 Yes XXXXXX XXXXXX A A A A
0329887098 Yes XXXXXX XXXXXX A A A A
0421965797 Yes XXXXXX XXXXXX A A A A
0476095012 Yes XXXXXX XXXXXX A A A A
0718872886 Yes XXXXXX XXXXXX A A A A
0636867770 Yes XXXXXX XXXXXX A A A A
0267487076 Yes XXXXXX XXXXXX A A A A
0195728018 Yes XXXXXX XXXXXX A A A A
0772659998 Yes XXXXXX XXXXXX A A A A
0011223065 Yes XXXXXX XXXXXX C A C A
0957037738 Yes XXXXXX XXXXXX A A A A
0287850345 Yes XXXXXX XXXXXX C A A A
0343009539 Yes XXXXXX XXXXXX A A A A
0066565164 Yes XXXXXX XXXXXX A A A A
0606360004 Yes XXXXXX XXXXXX A A A A
0031914111 Yes XXXXXX XXXXXX D A D A
0322977121 Yes XXXXXX XXXXXX C A A A
0028477011 Yes XXXXXX XXXXXX B B B B
0512524979 Yes XXXXXX XXXXXX A A A A
0189641240 Yes XXXXXX XXXXXX A A A A
0830259665 Yes XXXXXX XXXXXX A A A A
0163768883 Yes XXXXXX XXXXXX A A A A
0920564109 Yes XXXXXX XXXXXX A A A A
0698076187 Yes XXXXXX XXXXXX C A C A
0224443300 Yes XXXXXX XXXXXX D A D A
0578018645 Yes XXXXXX XXXXXX B B B B
0660339771 Yes XXXXXX XXXXXX A A A A
0063181093 Yes XXXXXX XXXXXX B B B B
0722343732 Yes XXXXXX XXXXXX C B A A
0790097948 Yes XXXXXX XXXXXX A A A A
0527620912 Yes XXXXXX XXXXXX A A A A
0356979259 Yes XXXXXX XXXXXX A A A A
0214949090 Yes XXXXXX XXXXXX A A A A
0177640574 Yes XXXXXX XXXXXX B B B B
0789246402 Yes XXXXXX XXXXXX B B B B
0322706730 Yes XXXXXX XXXXXX A A A A
0327979007 Yes XXXXXX XXXXXX A A A A
0494951529 Yes XXXXXX XXXXXX C B A A
0252870469 Yes XXXXXX XXXXXX C A A A
0861479887 Yes XXXXXX XXXXXX A A A A
0075878995 Yes XXXXXX XXXXXX A A A A
0918908337 Yes XXXXXX XXXXXX A A A A
0986096742 Yes XXXXXX XXXXXX A A A A
0430048604 Yes XXXXXX XXXXXX A A A A
0543050232 Yes XXXXXX XXXXXX A A A A
0565064278 Yes XXXXXX XXXXXX B B B B
0727092139 Yes XXXXXX XXXXXX C B A A
0389976762 Yes XXXXXX XXXXXX C B A A
0482825021 Yes XXXXXX XXXXXX C A A A
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0606553012 Yes XXXXXX XXXXXX A A A A
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0913486634 Yes XXXXXX XXXXXX A A A A
0509924530 Yes XXXXXX XXXXXX A A A A
0083121188 Yes XXXXXX XXXXXX C B A A

 

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