ABS-15G

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

FORM ABS-15G

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

WELLS FARGO ASSET SECURITIES CORPORATIoN

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

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

Date of Report (Date of earliest event reported)                                                              

Commission File Number of securitizer:                                                                          

Central Index Key Number of securitizer:                                                                         

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

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

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

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

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

Central Index Key Number of depositor: 1011663

Wells Fargo Mortgage Backed Securities 2020-RR1 Trust
(Exact name of issuing entity as specified in its charter)

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

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

Diane Wold -- 952-242-2302

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

PART I: REPRESENTATION AND WARRANTY INFORMATION

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

EXHIBIT INDEX

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

99.2 Clayton Loan Level Tape Compare

99.3 Clayton Rating Agency ATR QM Data Fields

99.4 Clayton Valuations Summary

99.5 Clayton Conditions Report

99.6 Clayton Waived Conditions Summary

SIGNATURES

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

		Wells fargo asset securities corporation
		(Depositor)
Date:	September 8, 2020	/s/ Peter R. Diliberti
		Name: Peter R. Diliberti
		Title: President (senior officer in charge of securitization)

EX-99.1

Exhibit 99.1

 

WFMBS 2020-RR1   

 

August 18, 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	3
Credit Review	4
Property Valuation Review	4
Regulatory Compliance Review	4
Data Integrity	6
Data Capture	7
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-RR1). The loans referenced in this narrative report were reviewed from 4-2017 to 7-2020 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	88	23.41%
Correspondent Flow with delegated underwriting	192	51.06%
Retail	96	25.53%
Total	376	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	376	Clayton performed a Full Review based on the scope described below in the section titled “TPR Component Review Scope”.
Total Loan Population	376

Sponsor Acquisition Criteria

The loans were originated to Guidelines and Clayton reviewed the loans to Wells Fargo Non-Agency Underwriting Guidelines. The loans were originated to Guidelines and Clayton reviewed the loans to Wells Fargo Non-Agency Underwriting Guidelines. Correspondent Versions: _6.18_NC, _11.18_NC, _2.19_NC, _06.19_NC, _11.19_NC. Retail Versions: _02.17_NC,_6.18_NC, 12.18_NC, _02.19_NC,_6.19_NC, _8.19_NC,_11.19_NC and _01.20_NC. Clayton was supplied with all of the changes to the guidelines with advance notice. 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 2^nd 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.

– 376 loans had Desktop Reviews

– 16 loans required Field Reviews

Clayton did have independent access to the Desktop Reviews and Field Reviews 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;

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

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

– Prepayment Penalty restrictions.

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

■ 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;

■ Discrepancies found during comparison are stored

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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
Borrower 1 First time Home Buyer	9	97.61%
Cash Reserves	32	00.00%
Combined Loan to Value	9	97.61%
Debt to Income Ratio (Back)	36	90.43%
Original Appraised Value	23	93.88%
Original Loan to Value	5	98.67%
Property Type	4	98.94%
Representative Score for Grading	8	97.87%
Securitization Total Cash Out	2	99.47%
Self- Employment Flag	11	97.07%

*Note: For Cash Reserves, Clayton randomly selected 32 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	136	3	16	26	181
	B		44	28	122	194
	C				1	1
	D					0
	Total	136	47	44	149	376

*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	229	5	2	11	247
	B		77	13	38	128
	C			1		1
	D					0
	Total	229	82	16	49	376

Initial and Final Property Valuation Grade Results

	Property Valuation Grade Migration
	Initial
Final		A	B	C	D	Total
	A	340	4	19	12	375
	B		1			1
	C					0
	D					0
	Total	340	5	19	12	376

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Initial and Final Regulatory Compliance Grade Results

	Compliance Grade Migration
	Initial
Final		A	B	C	D	Total
	A	159	6	16	90	271
	B		41	19	45	105
	C					0
	D					0
	Total	159	47	35	135	376

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:

o DTI

o LTV/TLTV/HLTV

o Credit score

o Income and employment

o Assets and reserves

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

o Borrower eligibility, including:

–      Citizenship status

–      Non- occupant co-borrower

o Transaction eligibility, including:

–      Maximum loan amount

–      Loan purpose

–      Occupancy

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

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

o Uniform Residential Loan Application reviewed to determine:

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

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

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

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

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

o Income review included:

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

■ 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

o Asset 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

o Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

o Title policy review included:

– Title interest – determined if

■ 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

o HUD1 (Settlement Statement) review included:

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

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o Hazard/Flood insurance review included:

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

– Confirmed that any required insurance was for the:

■ 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

o Mortgage Insurance review included:

– Determined if mortgage insurance is required

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

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

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

o Borrower identity

– Social Security inconsistencies

– Borrower name variations

o Occupancy

– Borrower address history

– Subject property ownership history

o Employment

o Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

o OFAC

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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:

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

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

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

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

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

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

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

o Appraisal report was reasonably complete and included:

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

■ 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

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

o Title XI of FIRREA:

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

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

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

o USPAP

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

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

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

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

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

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

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

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

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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

■ 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:

o 3 to 4 unit owner occupied properties

o 2 to 4 unit second homes

o Unwarrantable or limited review condominiums

o Manufactured or mobile homes

o Condotel units

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o Unique properties

o Working farms, ranches or orchards

o Mixed-use properties

o Properties subject to existing oil or gas leases

o Properties located in Hawaii Lava Zones 1 and 2

o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

o RedBell "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.

WFMBS 2020-RR1 Due Diligence Narrative Report Page | 15 August 18, 2020

 

Appendix C: Regulatory Compliance Review Scope

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

Federal Law

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

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

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

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

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

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

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

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

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

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

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

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

WFMBS 2020-RR1 Due Diligence Narrative Report Page | 16 August 18, 2020

 

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

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

■ 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 –.”

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

WFMBS 2020-RR1 Due Diligence Narrative Report Page | 17 August 18, 2020

 

■ 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.

WFMBS 2020-RR1 Due Diligence Narrative Report Page | 18 August 18, 2020

 

• 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

WFMBS 2020-RR1 Due Diligence Narrative Report Page | 19 August 18, 2020

 

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)

WFMBS 2020-RR1 Due Diligence Narrative Report Page | 20 August 18, 2020

 

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.

© 2020 Clayton Services LLC. All rights reserved.

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

WFMBS 2020-RR1 Due Diligence Narrative Report Page | 21 August 18, 2020

EX-99.2

 Exhibit 99.2

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2020-RR1
Start - End Dates:	4.2017 To 7.2020
Deal Loan Count:	376
Loan Level Tape Compare Upload
Loans in Report	376

Alt Loan Number	Borrower Last Name	Field Name	Tape Data	Reviewer Data
0096927963	XXXXXX	Debt to Income Ratio (Back)	37.2600	39.9044
0352386445	XXXXXX	Cash Reserves	156841.41	155447.19
0496353559	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0101123162	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0333468038	XXXXXX	Cash Reserves	2654950.77	2456329.04
0333468038	XXXXXX	Debt to Income Ratio (Back)	38.9600	42.3559
0333468038	XXXXXX	Securitization Total Cash Out	521058.64	521001.11
0928143050	XXXXXX	Cash Reserves	100023.66	108896.20
0928143050	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0893713685	XXXXXX	Cash Reserves	204440.25	200778.15
0377384031	XXXXXX	Cash Reserves	946009.14	946008.14
0104395200	XXXXXX	Cash Reserves	114464.44	306257.28
0866262796	XXXXXX	Securitization Total Cash Out	398801.98	397718.90
0409210611	XXXXXX	Debt to Income Ratio (Back)	27.2300	20.6377
0266736486	XXXXXX	Cash Reserves	542097.71	561824.23
0216132218	XXXXXX	Cash Reserves	290682.38	281378.41
0738508713	XXXXXX	Cash Reserves	310593.68	342148.78
0816150918	XXXXXX	Cash Reserves	113570.00	113503.89
0807818862	XXXXXX	Cash Reserves	130061.16	129954.02
0807818862	XXXXXX	Debt to Income Ratio (Back)	25.7200	36.6216
0236968332	XXXXXX	Cash Reserves	365422.40	287439.99
0520183751	XXXXXX	Cash Reserves	250604.19	213477.56
0520183751	XXXXXX	Debt to Income Ratio (Back)	36.4300	39.8971
0607541062	XXXXXX	Cash Reserves	1972855.87	1721973.58
0473140064	XXXXXX	Cash Reserves	405332.38	383866.68
0473140064	XXXXXX	Combined LTV	29.74	27.18
0111855447	XXXXXX	Cash Reserves	74555.43	75488.63
0921764266	XXXXXX	Cash Reserves	50260.88	58742.96
0233656945	XXXXXX	Cash Reserves	2436316.31	2350184.90
0676121309	XXXXXX	Cash Reserves	210938.78	217306.53
0303224960	XXXXXX	Debt to Income Ratio (Back)	22.7000	17.1225
0579524202	XXXXXX	Cash Reserves	375789.68	385158.26
0657971017	XXXXXX	Cash Reserves	484043.84	487348.69
0694690062	XXXXXX	Cash Reserves	128316.40	133808.82
0761832757	XXXXXX	Cash Reserves	600448.34	552748.67
0926935255	XXXXXX	Cash Reserves	98480.50	99368.35
0641544091	XXXXXX	Cash Reserves	63587.40	67807.00
0280634150	XXXXXX	Cash Reserves	1116049.87	1144642.51
0684792372	XXXXXX	Cash Reserves	726130.75	661819.09
0256333715	XXXXXX	Cash Reserves	115666.69	137061.09
0628501373	XXXXXX	Cash Reserves	204663.65	205313.08
0966576986	XXXXXX	Cash Reserves	145533.42	142677.02
0966576986	XXXXXX	Debt to Income Ratio (Back)	31.9000	37.0891
0691005003	XXXXXX	Cash Reserves	424729.55	389162.31
0107542073	XXXXXX	Cash Reserves	184856.40	180372.65
0284086889	XXXXXX	Debt to Income Ratio (Back)	42.0500	36.9274
0882055575	XXXXXX	Debt to Income Ratio (Back)	38.3300	41.8614
0960894460	XXXXXX	Debt to Income Ratio (Back)	42.9700	37.9780
0594957881	XXXXXX	Combined LTV	61.11	63.22
0594957881	XXXXXX	Debt to Income Ratio (Back)	20.3200	23.8549
0594957881	XXXXXX	Original LTV	61.11	63.22
0963333981	XXXXXX	Debt to Income Ratio (Back)	46.7000	44.1860
0637871952	XXXXXX	Self Employed Flag	Yes	No
0515751289	XXXXXX	Debt to Income Ratio (Back)	29.7300	27.2155
0515751289	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0780847153	XXXXXX	Debt to Income Ratio (Back)	30.6400	32.6612
0799137988	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0255092108	XXXXXX	Debt to Income Ratio (Back)	19.9400	24.3385
0394335880	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0635699069	XXXXXX	Self Employed Flag	Yes	No
0888046046	XXXXXX	First Time Home Buyer	Yes	No
0194649465	XXXXXX	Debt to Income Ratio (Back)	41.6200	39.0232
0180177789	XXXXXX	Combined LTV	71.83	65.88
0073103433	XXXXXX	Combined LTV	63.88	70.00
0073103433	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0073103433	XXXXXX	Original LTV	63.88	70.00
0848744571	XXXXXX	Self Employed Flag	No	Yes
0464301204	XXXXXX	Representative Credit Score for Grading	762	773
0298538035	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0802874812	XXXXXX	Debt to Income Ratio (Back)	35.3100	38.3593
0596300967	XXXXXX	Representative Credit Score for Grading	752	774
0451121628	XXXXXX	Debt to Income Ratio (Back)	11.5700	8.5125
0166991701	XXXXXX	Self Employed Flag	Yes	No
0931852002	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0503667682	XXXXXX	Debt to Income Ratio (Back)	86.1900	35.6715
0876846986	XXXXXX	First Time Home Buyer	No	Yes
0268459998	XXXXXX	Representative Credit Score for Grading	782	790
0804083355	XXXXXX	First Time Home Buyer	Yes	No
0403270653	XXXXXX	Debt to Income Ratio (Back)	45.7300	40.0093
0560535952	XXXXXX	First Time Home Buyer	Yes	No
0768971662	XXXXXX	Combined LTV	51.29	45.25
0173045918	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0353041815	XXXXXX	Debt to Income Ratio (Back)	35.3500	38.4265
0757546012	XXXXXX	First Time Home Buyer	No	Yes
0663428205	XXXXXX	Self Employed Flag	Yes	No
0091618772	XXXXXX	Representative Credit Score for Grading	777	782
0470510698	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0017125999	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0717406474	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0442954178	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0480694729	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0559177597	XXXXXX	Combined LTV	79.40	76.35
0559177597	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0559177597	XXXXXX	Original LTV	79.40	76.35
0559177597	XXXXXX	Self Employed Flag	No	Yes
0289510648	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0289510648	XXXXXX	Representative Credit Score for Grading	711	766
0450726039	XXXXXX	Debt to Income Ratio (Back)	21.2900	29.3304
0450726039	XXXXXX	Self Employed Flag	No	Yes
0258714939	XXXXXX	Combined LTV	61.36	59.22
0258714939	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0258714939	XXXXXX	Original LTV	61.36	59.22
0250548693	XXXXXX	Combined LTV	64.26	45.62
0250548693	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0250548693	XXXXXX	Original LTV	64.26	45.62
0063192927	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0390562360	XXXXXX	Representative Credit Score for Grading	786	788
0240659592	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0466520950	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0115444143	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0115444143	XXXXXX	Self Employed Flag	No	Yes
0787874378	XXXXXX	Debt to Income Ratio (Back)	27.9300	24.3702
0787874378	XXXXXX	Representative Credit Score for Grading	789	798
0384786138	XXXXXX	Debt to Income Ratio (Back)	21.1900	25.0484
0516400659	XXXXXX	Property Type	Low Rise Condo (1-4)	Site Condo
0739184622	XXXXXX	First Time Home Buyer	Yes	No
0571066766	XXXXXX	First Time Home Buyer	Yes	No
0571066766	XXXXXX	Property Type	SFR-Attached	SFR
0211948619	XXXXXX	Debt to Income Ratio (Back)	41.4000	36.6601
0403291873	XXXXXX	Self Employed Flag	No	Yes
0756089081	XXXXXX	Debt to Income Ratio (Back)	53.8100	28.3174
0564154473	XXXXXX	Debt to Income Ratio (Back)	37.1700	34.0643
0483475198	XXXXXX	Representative Credit Score for Grading	735	747
0259417368	XXXXXX	Self Employed Flag	Yes	No
0678678413	XXXXXX	First Time Home Buyer	Yes	No
0246391501	XXXXXX	First Time Home Buyer	Yes	No
0788298237	XXXXXX	Debt to Income Ratio (Back)	32.0800	27.9243
0535802940	XXXXXX	Self Employed Flag	Yes	No
0014449205	XXXXXX	Property Type	Low Rise Condo (1-4)	High Rise Condo (9+)
0058093967	XXXXXX	Debt to Income Ratio (Back)	41.4100	44.5652
0345524951	XXXXXX	Debt to Income Ratio (Back)	16.0400	21.2248
0766781850	XXXXXX	Debt to Income Ratio (Back)	3.8700	5.9910
0215673379	XXXXXX	Debt to Income Ratio (Back)	40.4000	47.4339
0681714584	XXXXXX	Debt to Income Ratio (Back)	33.3800	35.7752
0634340581	XXXXXX	Debt to Income Ratio (Back)	40.1800	37.7300
0390206785	XXXXXX	Debt to Income Ratio (Back)	32.6400	35.6268
0675741198	XXXXXX	Combined LTV	39.52	33.53
0675741198	XXXXXX	Debt to Income Ratio (Back)	20.4900	16.9997
0279313615	XXXXXX	Property Type	SFR	Detached PUD

EX-99.3

Exhibit 99.3

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2020-RR1
Start - End Dates:	4.2017 To 7.2020
Deal Loan Count:	376
Rating Agency ATR QM Data Fields
Loans in Report:	376

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	ATR/QM Total Points and Fees
0058093967	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	7398.9
0460266286	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	2215.07
0345524951	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	995
0905082850	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0766781850	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0716875694	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1000
0937384502	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0478365775	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0844239670	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	2370
0720118077	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	628.13
0215673379	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	100
0813172404	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0331144799	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1095
0103440112	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1190
0066248376	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	3177
0845772901	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	745
0917509116	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	795
0808516003	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	6860
0681714584	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	815
0564024477	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0634340581	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	805
0876017365	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0261449590	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0390206785	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	332
0675741198	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1190
0279313615	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	733
0754880233	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	4907.31
0733283060	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0830874307	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0603856189	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0733482960	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1000
0305768815	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0193295640	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0912035228	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1270
0588980730	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0222821814	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	3250
0187716302	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0134859397	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0096927963	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	628.34
0984351889	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0352386445	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	80
0336019690	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1430
0864823692	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	455
0496353559	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0628571176	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0724929458	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1830.6
0101123162	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0150952413	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0333468038	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	693.75
0928143050	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1205
0893713685	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	80
0377384031	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1405
0104395200	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1838
0866262796	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0408978855	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1455
0525245910	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	995
0451869153	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0281282681	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0086336495	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1270
0710969555	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0934091468	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0409210611	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1620
0939412075	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0340510098	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0389743079	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	4879.48
0194389717	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0028699661	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	980
0266736486	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1179
0216132218	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	612.5
0738508713	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1430
0816150918	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0807818862	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1838
0236968332	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0520183751	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1430
0607541062	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0473140064	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0111855447	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0921764266	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1355
0233656945	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1155
0676121309	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0042626327	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	6794.04
0250203100	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0981427612	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0627861462	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1195
0039058195	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1814.75
0139644050	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	3947.5
0303224960	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	240
0484146170	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0842683133	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1430
0579524202	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1275
0657971017	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	305
0694690062	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1530
0761832757	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1075
0926935255	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0641544091	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1355
0280634150	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	2029
0684792372	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	642.5
0937766655	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0256333715	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0628501373	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	3319.39
0966576986	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1770
0691005003	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0107542073	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	2095
0242659236	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	7696.5
0991610154	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	412
0521593748	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0989966163	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1690
0666871421	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0688749724	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1195
0447571739	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	5483.75
0284086889	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1501.95
0223411300	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	3889.03
0501538580	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	9385
0669254856	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	38606.5
0288069721	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1420
0882055575	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1560
0969405083	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	8524
0964453250	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	6722.49
0960894460	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1320
0686927117	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2246
0858224311	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	12835
0151536873	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1490
0594957881	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1245
0181607847	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2037
0561713230	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1979.38
0580493960	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	11576.5
0359700682	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1755
0762996387	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0591713842	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1870
0412138716	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0708668607	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1560
0359030118	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1609.75
0963333981	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	995
0637871952	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	7164.8
0089767037	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1400
0251271268	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	6690
0782958136	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	7479.8
0962555915	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1745.4
0660266447	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2995
0515751289	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	9168.5
0780847153	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1495
0344082665	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1295
0799137988	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0255092108	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1245
0394335880	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1441.98
0046496761	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	3324.44
0635699069	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0921535455	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0694875724	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	4298
0888046046	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1190
0537102789	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1199
0230199731	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1482
0194649465	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2025
0403429564	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1314.36
0211614348	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1495
0800590972	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1350
0396365775	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2161
0180177789	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1701.95
0073103433	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1408.58
0689922795	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1199
0826233931	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	5003
0061694363	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1394
0965394786	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1395
0848744571	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1891.37
0648135165	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2886.75
0464301204	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1490
0182854453	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	10052
0067071770	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1049
0197614680	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1394
0752300735	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1270
0140292003	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1332
0484482818	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0098578479	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1896.44
0159247599	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1595
0298538035	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2489.5
0471586929	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1770
0246986674	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1694
0007203024	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	21.39
0802874812	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1049
0738319626	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	12672.5
0596300967	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1359
0066074404	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2537.81
0083957083	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1645
0480258643	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0432802722	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1695
0451121628	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1398
0094132506	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	995
0440515802	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	8830
0166991701	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1594
0275916197	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1705
0381780907	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1973.6
0931852002	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1290
0622759677	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0503667682	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1545
0025840879	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	4784.62
0163875355	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2542.4
0084072021	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	4959
0522418689	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1590
0290396992	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1375
0313726905	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2870
0344461168	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1199
0119488030	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	164
0660983732	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1910
0719668371	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2073
0641359241	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1590
0876846986	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0539656690	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1419
0532953627	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0268459998	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1115
0401987927	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1295
0804083355	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	4800
0864858405	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	3492.5
0100949224	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0850150329	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1199
0316023138	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1701.95
0296538185	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	30273.1
0403270653	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	3461.2
0841468619	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0410491377	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2488
0207936843	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2085
0560535952	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	8815
0482575337	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	13991.25
0768971662	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1520
0341377262	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1595
0318454281	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	4159.75
0831939988	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1899
0658303941	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1530
0627253037	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0549888506	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0173045918	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0353041815	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1340
0757546012	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	5962
0617931850	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0264969075	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2010
0368390685	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0834531294	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	13267.09
0663428205	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	7702
0091618772	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1204.6
0470510698	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	9695
0505661185	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0790925236	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1482
0831742939	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	8644.69
0581075467	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2995
0249769406	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1240
0137336864	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1370
0017125999	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0717406474	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0636552460	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	9140
0442954178	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	745
0999103751	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1199
0090892025	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0480694729	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2960
0054379439	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0650760614	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0558552479	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0615216745	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1250
0969540472	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1910
0435920438	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1645
0232235806	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	4867
0817191353	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1902.95
0559177597	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0289510648	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	9506.95
0450726039	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1284.75
0258714939	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1305
0250548693	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1151
0171061835	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	4084.08
0729022797	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1288
0337422317	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	3057.5
0051094872	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1765
0845100918	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1940
0342155449	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2025.19
0063192927	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0390562360	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	3978.45
0240659592	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	786.95
0514673504	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1250
0226574930	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1095
0209095290	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2699.9
0403566133	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1295
0466520950	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0164581982	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0245862531	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	7569.95
0329094540	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0115444143	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1290
0078936277	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	5550
0464946580	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1652.34
0787874378	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1005.5
0749872960	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	7185.66
0800793629	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	11.95
0244418964	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	5435.82
0537119098	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	3291
0047212998	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1175
0574495436	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	11345.4
0384786138	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2565
0091508207	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1249
0167463397	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1701.95
0723630152	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2717
0035185220	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	3075.2
0880824314	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1440
0332545785	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1145
0707724360	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1291
0231397221	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0513837122	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	5120
0516400659	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1575
0583613742	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1540
0744968800	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2340.46
0739184622	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0147781271	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2623.26
0874861426	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	853.45
0758125974	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	6462
0355973759	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	6738.59
0277997495	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	5589.6
0558392377	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	735
0618494993	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1395
0857508060	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	3416.24
0153317789	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1060
0421376891	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	3910
0140539176	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0389716084	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1240
0498812963	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	3982.59
0116856370	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1734
0571066766	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	3124.12
0211948619	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1250
0147394809	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1683.07
0606642899	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	6128.15
0548724404	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	945
0619275126	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0954104756	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2585.62
0403291873	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	18060
0745414532	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1701.95
0695026985	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1971.95
0756089081	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1245
0564154473	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1290
0483475198	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	6395
0525474897	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1221.95
0580536555	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1503.5
0685487404	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1935
0259417368	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	3145
0411974818	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1395
0457479020	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1195
0241121602	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0483735375	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1401.95
0296356249	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1735
0638012082	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1340
0678678413	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	965
0543810165	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1198
0542874819	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0156781550	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	17229.5
0246391501	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	0
0578129438	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	3140
0228816176	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	7859.37
0062146444	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	23288.4
0140285578	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1140
0400335687	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	5874
0935418209	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	6231
0788298237	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	0
0979071454	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1410
0194176130	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	5890
0984676984	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	6525.56
0757541466	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2750
0045246453	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	7478
0770245381	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1265
0681612097	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0639044846	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1350
0549627563	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	19645.9
0993061564	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1486
0309246636	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1690
0091931913	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	7098.69
0735993360	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1764
0479438120	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1670.18
0535802940	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0150978513	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	Not Applicable	No	No	1320
0452203312	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1701.95
0253477570	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1947.9
0118109664	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	2705
0014449205	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1290
0520115742	QM: Safe Harbor	No	Yes	XXXXXX	Not Applicable	No	Yes	1940

Alt Loan Number	Rate Lock Date	APR	Bwr 1 Employment Indicator	Bwr 2 Employment Indicator	Bwr 1 Foreign National Indicator	Bwr 2 Foreign National Indicator	Borrowers Qualified Through a Non-Resident Alien Program	Residual Income Analysis in File	ATR/QM Residual Income
0058093967	XXXXXX	3.7803	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0460266286	XXXXXX	3.9162	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0345524951	XXXXXX	3.9036	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0905082850	XXXXXX	3.7466	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0766781850	XXXXXX	4.2651	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0716875694	XXXXXX	4.0443	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0937384502	XXXXXX	4.1437	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0478365775	XXXXXX	4.1181	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0844239670	XXXXXX	3.7773	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0720118077	XXXXXX	4.4108	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0215673379	XXXXXX	4.0258	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0813172404	XXXXXX	4.2661	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0331144799	XXXXXX	4.2695	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0103440112	XXXXXX	4.4083	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0066248376	XXXXXX	4.0552	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0845772901	XXXXXX	3.8828	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0917509116	XXXXXX	4.2653	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0808516003	XXXXXX	4.0022	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0681714584	XXXXXX	4.0206	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0564024477	XXXXXX	3.9997	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0634340581	XXXXXX	3.8811	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0876017365	XXXXXX	4.014	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0261449590	XXXXXX	4.1248	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0390206785	XXXXXX	3.8862	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0675741198	XXXXXX	4.1498	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0279313615	XXXXXX	4.02	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0754880233	XXXXXX	3.8749	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0733283060	XXXXXX	4.3739	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0830874307	XXXXXX	4.1247	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0603856189	XXXXXX	4.2648	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0733482960	XXXXXX	4.1547	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0305768815	XXXXXX	4.3749	Employed	Employed	Permanent Resident Alien	U.S. Citizen	(No Data)	No	0
0193295640	XXXXXX	4.1168	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0912035228	XXXXXX	4.6613	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0588980730	XXXXXX	4.3892	Employed	Unemployed	Permanent Resident Alien	Permanent Resident Alien	(No Data)	No	0
0222821814	XXXXXX	4.3124	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0187716302	XXXXXX	4.3772	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0134859397	XXXXXX	4.5089	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0096927963	XXXXXX	4.7717	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0984351889	XXXXXX	4.5082	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0352386445	XXXXXX	3.4821	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0336019690	XXXXXX	4.4005	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0864823692	XXXXXX	4.028	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0496353559	XXXXXX	3.8748	Employed	Unemployed	U.S. Citizen	(No Data)	(No Data)	No	0
0628571176	XXXXXX	4.2341	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0724929458	XXXXXX	4.1488	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0101123162	XXXXXX	4.1249	Employed	Employed	U.S. Citizen	Permanent Resident Alien	(No Data)	No	0
0150952413	XXXXXX	3.8714	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0333468038	XXXXXX	4.0289	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0928143050	XXXXXX	4.0267	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0893713685	XXXXXX	3.86	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0377384031	XXXXXX	3.9022	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0104395200	XXXXXX	3.7687	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0866262796	XXXXXX	4.1126	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0408978855	XXXXXX	3.6315	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0525245910	XXXXXX	4.2629	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0451869153	XXXXXX	4.6248	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0281282681	XXXXXX	4.3732	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0086336495	XXXXXX	4.5334	Retired	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0710969555	XXXXXX	4.6125	Employed	Retired	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0934091468	XXXXXX	4.8747	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0409210611	XXXXXX	4.7718	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0939412075	XXXXXX	3.7497	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0340510098	XXXXXX	4.249	Retired	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0389743079	XXXXXX	4.0548	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0194389717	XXXXXX	4.1375	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0028699661	XXXXXX	4.2658	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0266736486	XXXXXX	4.1525	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0216132218	XXXXXX	4.1528	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0738508713	XXXXXX	3.5176	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0816150918	XXXXXX	3.9997	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0807818862	XXXXXX	3.6596	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0236968332	XXXXXX	3.3893	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0520183751	XXXXXX	3.9031	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0607541062	XXXXXX	3.6023	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0473140064	XXXXXX	3.8714	Retired	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0111855447	XXXXXX	3.8751	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0921764266	XXXXXX	3.9022	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0233656945	XXXXXX	4.0234	Unemployed	Retired	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0676121309	XXXXXX	3.5082	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0042626327	XXXXXX	4.3212	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0250203100	XXXXXX	4.4978	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0981427612	XXXXXX	4.7984	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0627861462	XXXXXX	4.6553	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0039058195	XXXXXX	4.542	Retired	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0139644050	XXXXXX	4.4323	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0303224960	XXXXXX	4.6463	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0484146170	XXXXXX	3.4068	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0842683133	XXXXXX	4.0273	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0579524202	XXXXXX	3.1403	Employed	Employed	Permanent Resident Alien	U.S. Citizen	(No Data)	No	0
0657971017	XXXXXX	4.0072	Employed	Employed	Permanent Resident Alien	Permanent Resident Alien	(No Data)	No	0
0694690062	XXXXXX	3.4031	Employed	(No Data)	Non-Resident Alien	(No Data)	(No Data)	No	0
0761832757	XXXXXX	3.7914	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0926935255	XXXXXX	3.8748	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0641544091	XXXXXX	3.6499	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0280634150	XXXXXX	3.3901	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0684792372	XXXXXX	3.8894	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0937766655	XXXXXX	3.375	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0256333715	XXXXXX	3.4998	Employed	Employed	Permanent Resident Alien	U.S. Citizen	(No Data)	No	0
0628501373	XXXXXX	3.9184	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0966576986	XXXXXX	3.2862	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0691005003	XXXXXX	3.8739	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0107542073	XXXXXX	3.9054	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0242659236	XXXXXX	4.564	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0991610154	XXXXXX	4.7859	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0521593748	XXXXXX	4.8492	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0989966163	XXXXXX	5.407	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0666871421	XXXXXX	4.8954	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0688749724	XXXXXX	4.646	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0447571739	XXXXXX	4.791	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0284086889	XXXXXX	4.5179	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0223411300	XXXXXX	4.9217	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0501538580	XXXXXX	3.7489	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0669254856	XXXXXX	4.0331	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0288069721	XXXXXX	4.6548	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0882055575	XXXXXX	4.2884	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0969405083	XXXXXX	4.2155	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0964453250	XXXXXX	4.5584	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0960894460	XXXXXX	4.8954	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0686927117	XXXXXX	5.0437	Employed	Employed	Permanent Resident Alien	U.S. Citizen	(No Data)	No	0
0858224311	XXXXXX	4.0973	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0151536873	XXXXXX	4.1521	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0594957881	XXXXXX	4.4052	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0181607847	XXXXXX	4.0318	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0561713230	XXXXXX	4.2659	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0580493960	XXXXXX	4.6468	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0359700682	XXXXXX	4.2929	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0762996387	XXXXXX	4.1461	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0591713842	XXXXXX	4.2761	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0412138716	XXXXXX	4.4996	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0708668607	XXXXXX	4.276	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0359030118	XXXXXX	4.2657	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0963333981	XXXXXX	4.9189	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0637871952	XXXXXX	4.2791	Employed	Unemployed	U.S. Citizen	Permanent Resident Alien	(No Data)	No	0
0089767037	XXXXXX	4.2634	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0251271268	XXXXXX	4.1538	Unemployed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0782958136	XXXXXX	4.2155	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0962555915	XXXXXX	4.0346	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0660266447	XXXXXX	4.4043	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0515751289	XXXXXX	4.256	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0780847153	XXXXXX	4.3916	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0344082665	XXXXXX	4.1441	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0799137988	XXXXXX	4.0994	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0255092108	XXXXXX	4.189	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0394335880	XXXXXX	4.5216	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0046496761	XXXXXX	4.1532	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0635699069	XXXXXX	4.1378	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0921535455	XXXXXX	3.8851	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0694875724	XXXXXX	4.0969	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0888046046	XXXXXX	4.2696	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0537102789	XXXXXX	4.2673	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0230199731	XXXXXX	4.1582	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0194649465	XXXXXX	4.2879	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0403429564	XXXXXX	4.1415	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0211614348	XXXXXX	4.2812	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0800590972	XXXXXX	4.0255	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0396365775	XXXXXX	4.1582	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0180177789	XXXXXX	4.0356	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0073103433	XXXXXX	4.3964	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0689922795	XXXXXX	4.2793	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0826233931	XXXXXX	4.1949	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0061694363	XXXXXX	4.2652	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0965394786	XXXXXX	4.1397	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0848744571	XXXXXX	4.277	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0648135165	XXXXXX	4.5532	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0464301204	XXXXXX	4.2831	Unemployed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0182854453	XXXXXX	4.4265	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0067071770	XXXXXX	4.1715	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0197614680	XXXXXX	4.4073	Retired	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0752300735	XXXXXX	4.2784	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0140292003	XXXXXX	4.1381	Employed	(No Data)	Permanent Resident Alien	(No Data)	(No Data)	No	0
0484482818	XXXXXX	4.4018	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0098578479	XXXXXX	4.0171	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0159247599	XXXXXX	4.2767	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0298538035	XXXXXX	4.1632	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0471586929	XXXXXX	4.2963	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0246986674	XXXXXX	4.1817	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0007203024	XXXXXX	4.3739	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0802874812	XXXXXX	4.1352	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0738319626	XXXXXX	3.7034	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0596300967	XXXXXX	4.2652	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0066074404	XXXXXX	3.8022	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0083957083	XXXXXX	3.9794	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0480258643	XXXXXX	3.8892	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0432802722	XXXXXX	4.2837	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0451121628	XXXXXX	4.2639	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0094132506	XXXXXX	4.5192	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0440515802	XXXXXX	4.4532	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0166991701	XXXXXX	4.1554	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0275916197	XXXXXX	4.2829	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0381780907	XXXXXX	4.2865	Unemployed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0931852002	XXXXXX	4.0106	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0622759677	XXXXXX	3.5072	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0503667682	XXXXXX	3.7697	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0025840879	XXXXXX	3.8037	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0163875355	XXXXXX	3.9211	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0084072021	XXXXXX	4.0665	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0522418689	XXXXXX	4.1439	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0290396992	XXXXXX	3.8887	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0313726905	XXXXXX	3.9025	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0344461168	XXXXXX	3.9081	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0119488030	XXXXXX	3.8756	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0660983732	XXXXXX	3.9002	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0719668371	XXXXXX	3.8965	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0641359241	XXXXXX	4.0241	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0876846986	XXXXXX	3.5015	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0539656690	XXXXXX	3.8958	Employed	Retired	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0532953627	XXXXXX	3.8961	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0268459998	XXXXXX	4.1458	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0401987927	XXXXXX	3.8941	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0804083355	XXXXXX	4.0368	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0864858405	XXXXXX	3.8937	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0100949224	XXXXXX	3.7717	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0850150329	XXXXXX	3.7648	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0316023138	XXXXXX	3.897	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0296538185	XXXXXX	3.8993	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0403270653	XXXXXX	4.0726	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0841468619	XXXXXX	3.653	Retired	Retired	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0410491377	XXXXXX	3.7896	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0207936843	XXXXXX	3.916	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0560535952	XXXXXX	3.8909	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0482575337	XXXXXX	3.4484	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0768971662	XXXXXX	3.7802	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0341377262	XXXXXX	3.8976	Retired	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0318454281	XXXXXX	3.9121	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0831939988	XXXXXX	3.8937	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0658303941	XXXXXX	3.9004	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0627253037	XXXXXX	3.8772	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0549888506	XXXXXX	3.875	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0173045918	XXXXXX	3.894	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0353041815	XXXXXX	3.6641	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0757546012	XXXXXX	3.9074	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0617931850	XXXXXX	4.3879	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0264969075	XXXXXX	3.9056	Unemployed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0368390685	XXXXXX	3.7526	Retired	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0834531294	XXXXXX	3.6016	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0663428205	XXXXXX	3.9187	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0091618772	XXXXXX	4.2655	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0470510698	XXXXXX	3.5523	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0505661185	XXXXXX	3.6378	Unemployed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0790925236	XXXXXX	3.9073	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0831742939	XXXXXX	3.5677	Employed	(No Data)	Permanent Resident Alien	(No Data)	(No Data)	No	0
0581075467	XXXXXX	3.8816	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0249769406	XXXXXX	3.7728	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0137336864	XXXXXX	4.1459	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0017125999	XXXXXX	3.6481	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0717406474	XXXXXX	3.8892	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0636552460	XXXXXX	3.5131	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0442954178	XXXXXX	3.8921	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0999103751	XXXXXX	3.6484	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0090892025	XXXXXX	3.7491	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0480694729	XXXXXX	3.7806	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0054379439	XXXXXX	3.7499	Employed	Employed	U.S. Citizen	Permanent Resident Alien	(No Data)	No	0
0650760614	XXXXXX	3.4914	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0558552479	XXXXXX	4.1245	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0615216745	XXXXXX	3.764	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0969540472	XXXXXX	3.5132	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0435920438	XXXXXX	4.0308	Unemployed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0232235806	XXXXXX	3.5454	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0817191353	XXXXXX	3.9068	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0559177597	XXXXXX	3.878	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0289510648	XXXXXX	3.8076	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0450726039	XXXXXX	3.7688	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0258714939	XXXXXX	3.7609	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0250548693	XXXXXX	3.7654	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0171061835	XXXXXX	3.5366	Employed	Unemployed	Permanent Resident Alien	Permanent Resident Alien	(No Data)	No	0
0729022797	XXXXXX	3.7624	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0337422317	XXXXXX	4.0527	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0051094872	XXXXXX	4.0273	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0845100918	XXXXXX	3.7859	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0342155449	XXXXXX	3.9075	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0063192927	XXXXXX	3.8775	Employed	Employed	Non-Permanent Resident Alien	Non-Permanent Resident Alien	(No Data)	No	0
0390562360	XXXXXX	3.9368	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0240659592	XXXXXX	3.7595	Employed	Retired	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0514673504	XXXXXX	3.8866	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0226574930	XXXXXX	3.8954	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0209095290	XXXXXX	3.6426	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0403566133	XXXXXX	3.8884	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0466520950	XXXXXX	4.1301	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0164581982	XXXXXX	3.875	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0245862531	XXXXXX	3.8183	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0329094540	XXXXXX	3.5117	Employed	(No Data)	Non-Resident Alien	(No Data)	(No Data)	No	0
0115444143	XXXXXX	3.6341	Employed	Unemployed	U.S. Citizen	(No Data)	(No Data)	No	0
0078936277	XXXXXX	4.0778	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0464946580	XXXXXX	3.6472	Retired	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0787874378	XXXXXX	3.6445	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0749872960	XXXXXX	4.3119	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0800793629	XXXXXX	3.8917	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0244418964	XXXXXX	3.8984	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0537119098	XXXXXX	3.7096	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0047212998	XXXXXX	3.9172	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0574495436	XXXXXX	3.6087	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0384786138	XXXXXX	3.7772	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0091508207	XXXXXX	3.6515	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0167463397	XXXXXX	3.7895	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0723630152	XXXXXX	3.6562	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0035185220	XXXXXX	3.674	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0880824314	XXXXXX	4.0204	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0332545785	XXXXXX	3.9018	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0707724360	XXXXXX	3.7622	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0231397221	XXXXXX	3.646	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0513837122	XXXXXX	3.8168	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0516400659	XXXXXX	3.55	Employed	(No Data)	Permanent Resident Alien	(No Data)	(No Data)	No	0
0583613742	XXXXXX	3.6423	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0744968800	XXXXXX	3.7823	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0739184622	XXXXXX	4.0294	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0147781271	XXXXXX	3.6644	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0874861426	XXXXXX	3.7914	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0758125974	XXXXXX	3.6107	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0355973759	XXXXXX	3.57	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0277997495	XXXXXX	3.9124	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0558392377	XXXXXX	3.7765	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0618494993	XXXXXX	3.647	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0857508060	XXXXXX	3.6784	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0153317789	XXXXXX	3.648	Retired	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0421376891	XXXXXX	4.1922	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0140539176	XXXXXX	3.7812	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0389716084	XXXXXX	3.6319	Employed	(No Data)	Permanent Resident Alien	(No Data)	(No Data)	No	0
0498812963	XXXXXX	4.0629	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0116856370	XXXXXX	3.7749	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0571066766	XXXXXX	4.0382	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0211948619	XXXXXX	4.0193	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0147394809	XXXXXX	4.043	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0606642899	XXXXXX	3.8381	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0548724404	XXXXXX	3.7592	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0619275126	XXXXXX	3.7718	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0954104756	XXXXXX	4.1523	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0403291873	XXXXXX	3.8197	Employed	(No Data)	Permanent Resident Alien	(No Data)	(No Data)	No	0
0745414532	XXXXXX	3.8927	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0695026985	XXXXXX	3.8946	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0756089081	XXXXXX	3.9076	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0564154473	XXXXXX	3.6507	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0483475198	XXXXXX	3.8136	Retired	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0525474897	XXXXXX	3.6422	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0580536555	XXXXXX	4.1508	Retired	Retired	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0685487404	XXXXXX	3.7703	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0259417368	XXXXXX	3.8069	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0411974818	XXXXXX	3.9097	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0457479020	XXXXXX	3.6445	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0241121602	XXXXXX	3.7962	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0483735375	XXXXXX	3.9028	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0296356249	XXXXXX	3.6629	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0638012082	XXXXXX	3.8969	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0678678413	XXXXXX	3.6468	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0543810165	XXXXXX	3.7668	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0542874819	XXXXXX	3.8521	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0156781550	XXXXXX	3.6405	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0246391501	XXXXXX	3.8715	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0578129438	XXXXXX	3.7867	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0228816176	XXXXXX	3.9007	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0062146444	XXXXXX	3.847	Employed	Employed	U.S. Citizen	Permanent Resident Alien	(No Data)	No	0
0140285578	XXXXXX	3.771	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0400335687	XXXXXX	3.6833	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0935418209	XXXXXX	3.9525	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0788298237	XXXXXX	3.6249	Employed	(No Data)	Permanent Resident Alien	(No Data)	(No Data)	No	0
0979071454	XXXXXX	3.7772	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0194176130	XXXXXX	3.6948	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0984676984	XXXXXX	3.6909	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0757541466	XXXXXX	3.5627	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0045246453	XXXXXX	3.4303	Employed	(No Data)	U.S. Citizen	(No Data)	(No Data)	No	0
0770245381	XXXXXX	4.0306	Retired	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0681612097	XXXXXX	3.6703	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0639044846	XXXXXX	3.6554	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0549627563	XXXXXX	3.4149	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0993061564	XXXXXX	3.7808	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0309246636	XXXXXX	3.5406	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0091931913	XXXXXX	3.6805	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0735993360	XXXXXX	3.8804	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0479438120	XXXXXX	3.7876	Employed	Unemployed	Permanent Resident Alien	Permanent Resident Alien	(No Data)	No	0
0535802940	XXXXXX	3.6492	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0150978513	XXXXXX	3.7611	Employed	Unemployed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0452203312	XXXXXX	4.035	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0253477570	XXXXXX	3.6538	Employed	Retired	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0118109664	XXXXXX	3.7893	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0014449205	XXXXXX	3.8898	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0
0520115742	XXXXXX	3.5303	Employed	Employed	U.S. Citizen	U.S. Citizen	(No Data)	No	0

 
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EX-99.4

 Exhibit 99.4

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2020-RR1
Start - End Dates:	4.2017 To 7.2020
Deal Loan Count:	376
Valuations Summary
Loans in Report:	376

				Origination Values
Alt Loan Number	Original Balance	Sales Price	Value For LTV	Appraised Date	Appraised Value	Appraisal Form	AVM Vendor Name	Confidence Score	Review Date	Review Value	Review Type
0058093967	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0460266286	XXXXXX	XXXXXX	XXXXXX	02/03/2017	XXXXXX	1073 Condo (Mar 05)				$0.00
0345524951	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0905082850	XXXXXX	XXXXXX	XXXXXX	11/04/2016	XXXXXX	1004 SFR (Mar 05)				$0.00
0766781850	XXXXXX	XXXXXX	XXXXXX	12/09/2016	XXXXXX	1004 SFR (Mar 05)				$0.00
0716875694	XXXXXX	XXXXXX	XXXXXX	03/03/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0937384502	XXXXXX	XXXXXX	XXXXXX	12/29/2016	XXXXXX	1004 SFR (Mar 05)				$0.00
0478365775	XXXXXX	XXXXXX	XXXXXX	02/13/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0844239670	XXXXXX	XXXXXX	XXXXXX	02/01/2017	XXXXXX	1073 Condo (Mar 05)				$0.00
0720118077	XXXXXX	XXXXXX	XXXXXX	03/02/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0215673379	XXXXXX	XXXXXX	XXXXXX	01/09/2017	XXXXXX	1073 Condo (Mar 05)				$0.00
0813172404	XXXXXX	XXXXXX	XXXXXX	02/16/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0331144799	XXXXXX	XXXXXX	XXXXXX	01/27/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0103440112	XXXXXX	XXXXXX	XXXXXX	03/04/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0066248376	XXXXXX	XXXXXX	XXXXXX	03/14/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0845772901	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0917509116	XXXXXX	XXXXXX	XXXXXX	01/25/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0808516003	XXXXXX	XXXXXX	XXXXXX	02/01/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0681714584	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0564024477	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0634340581	XXXXXX	XXXXXX	XXXXXX	03/01/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0876017365	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0261449590	XXXXXX	XXXXXX	XXXXXX	05/11/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0390206785	XXXXXX	XXXXXX	XXXXXX	02/24/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0675741198	XXXXXX	XXXXXX	XXXXXX	03/07/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0279313615	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0754880233	XXXXXX	XXXXXX	XXXXXX	02/15/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0733283060	XXXXXX	XXXXXX	XXXXXX	02/11/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0830874307	XXXXXX	XXXXXX	XXXXXX	02/21/2017	XXXXXX	1004 SFR (Mar 05)				$0.00
0603856189	XXXXXX	XXXXXX	XXXXXX	05/17/2018	XXXXXX	1073 Condo (Mar 05)				$0.00
0733482960	XXXXXX	XXXXXX	XXXXXX	04/23/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0305768815	XXXXXX	XXXXXX	XXXXXX	05/21/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0193295640	XXXXXX	XXXXXX	XXXXXX	04/30/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0912035228	XXXXXX	XXXXXX	XXXXXX	04/27/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0588980730	XXXXXX	XXXXXX	XXXXXX	05/18/2018	XXXXXX	1073 Condo (Mar 05)				$0.00
0222821814	XXXXXX	XXXXXX	XXXXXX	08/09/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0187716302	XXXXXX	XXXXXX	XXXXXX	12/19/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0134859397	XXXXXX	XXXXXX	XXXXXX	12/11/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0096927963	XXXXXX	XXXXXX	XXXXXX	11/28/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0984351889	XXXXXX	XXXXXX	XXXXXX	01/03/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0352386445	XXXXXX	XXXXXX	XXXXXX	05/20/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0336019690	XXXXXX	XXXXXX	XXXXXX	12/14/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0864823692	XXXXXX	XXXXXX	XXXXXX	02/06/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0496353559	XXXXXX	XXXXXX	XXXXXX	02/01/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0628571176	XXXXXX	XXXXXX	XXXXXX	01/25/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0724929458	XXXXXX	XXXXXX	XXXXXX	02/06/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0101123162	XXXXXX	XXXXXX	XXXXXX	02/08/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0150952413	XXXXXX	XXXXXX	XXXXXX	01/21/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0333468038	XXXXXX	XXXXXX	XXXXXX	03/26/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0928143050	XXXXXX	XXXXXX	XXXXXX	11/03/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0893713685	XXXXXX	XXXXXX	XXXXXX	05/02/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0377384031	XXXXXX	XXXXXX	XXXXXX	05/06/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0104395200	XXXXXX	XXXXXX	XXXXXX	05/17/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0866262796	XXXXXX	XXXXXX	XXXXXX	05/07/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0408978855	XXXXXX	XXXXXX	XXXXXX	02/08/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0525245910	XXXXXX	XXXXXX	XXXXXX	11/16/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0451869153	XXXXXX	XXXXXX	XXXXXX	11/27/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0281282681	XXXXXX	XXXXXX	XXXXXX	10/30/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0086336495	XXXXXX	XXXXXX	XXXXXX	11/16/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0710969555	XXXXXX	XXXXXX	XXXXXX	11/16/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0934091468	XXXXXX	XXXXXX	XXXXXX	10/30/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0409210611	XXXXXX	XXXXXX	XXXXXX	11/09/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0939412075	XXXXXX	XXXXXX	XXXXXX	12/06/2018	XXXXXX	2090 Cooperative (Mar 05)				$0.00
0340510098	XXXXXX	XXXXXX	XXXXXX	09/30/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0389743079	XXXXXX	XXXXXX	XXXXXX	02/09/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0194389717	XXXXXX	XXXXXX	XXXXXX	01/27/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0028699661	XXXXXX	XXXXXX	XXXXXX	02/01/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0266736486	XXXXXX	XXXXXX	XXXXXX	03/04/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0216132218	XXXXXX	XXXXXX	XXXXXX	05/15/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0738508713	XXXXXX	XXXXXX	XXXXXX	05/08/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0816150918	XXXXXX	XXXXXX	XXXXXX	04/17/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0807818862	XXXXXX	XXXXXX	XXXXXX	05/13/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0236968332	XXXXXX	XXXXXX	XXXXXX	11/05/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0520183751	XXXXXX	XXXXXX	XXXXXX	07/12/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0607541062	XXXXXX	XXXXXX	XXXXXX	08/07/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0473140064	XXXXXX	XXXXXX	XXXXXX	06/17/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0111855447	XXXXXX	XXXXXX	XXXXXX	06/15/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0921764266	XXXXXX	XXXXXX	XXXXXX	07/09/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0233656945	XXXXXX	XXXXXX	XXXXXX	07/10/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0676121309	XXXXXX	XXXXXX	XXXXXX	07/22/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0042626327	XXXXXX	XXXXXX	XXXXXX	05/17/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0250203100	XXXXXX	XXXXXX	XXXXXX	05/23/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0981427612	XXXXXX	XXXXXX	XXXXXX	05/25/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0627861462	XXXXXX	XXXXXX	XXXXXX	05/23/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0039058195	XXXXXX	XXXXXX	XXXXXX	05/23/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0139644050	XXXXXX	XXXXXX	XXXXXX	06/01/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0303224960	XXXXXX	XXXXXX	XXXXXX	07/13/2018	XXXXXX	2090 Cooperative (Mar 05)				$0.00
0484146170	XXXXXX	XXXXXX	XXXXXX	09/03/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0842683133	XXXXXX	XXXXXX	XXXXXX	09/05/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0579524202	XXXXXX	XXXXXX	XXXXXX	12/04/2019	XXXXXX	2090 Cooperative (Mar 05)				$0.00
0657971017	XXXXXX	XXXXXX	XXXXXX	12/12/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0694690062	XXXXXX	XXXXXX	XXXXXX	11/06/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0761832757	XXXXXX	XXXXXX	XXXXXX	09/23/2019	XXXXXX	2090 Cooperative (Mar 05)				$0.00
0926935255	XXXXXX	XXXXXX	XXXXXX	10/22/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0641544091	XXXXXX	XXXXXX	XXXXXX	01/17/2020	XXXXXX	1004 SFR (Mar 05)				$0.00
0280634150	XXXXXX	XXXXXX	XXXXXX	12/09/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0684792372	XXXXXX	XXXXXX	XXXXXX	12/09/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0937766655	XXXXXX	XXXXXX	XXXXXX	11/18/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0256333715	XXXXXX	XXXXXX	XXXXXX	11/17/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0628501373	XXXXXX	XXXXXX	XXXXXX	12/23/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0966576986	XXXXXX	XXXXXX	XXXXXX	12/11/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0691005003	XXXXXX	XXXXXX	XXXXXX	12/18/2019	XXXXXX	1025 Multi-Fam (Mar 05)				$0.00
0107542073	XXXXXX	XXXXXX	XXXXXX	07/24/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0242659236	XXXXXX	XXXXXX	XXXXXX	10/15/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0991610154	XXXXXX	XXXXXX	XXXXXX	10/19/2018	XXXXXX	1073 Condo (Mar 05)				$0.00
0521593748	XXXXXX	XXXXXX	XXXXXX	10/23/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0989966163	XXXXXX	XXXXXX	XXXXXX	10/07/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0666871421	XXXXXX	XXXXXX	XXXXXX	10/23/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0688749724	XXXXXX	XXXXXX	XXXXXX	10/30/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0447571739	XXXXXX	XXXXXX	XXXXXX	11/09/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0284086889	XXXXXX	XXXXXX	XXXXXX	12/11/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0223411300	XXXXXX	XXXXXX	XXXXXX	12/19/2018	XXXXXX	1004 SFR (Mar 05)				$0.00
0501538580	XXXXXX	XXXXXX	XXXXXX	07/22/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0669254856	XXXXXX	XXXXXX	XXXXXX	01/06/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0288069721	XXXXXX	XXXXXX	XXXXXX	01/12/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0882055575	XXXXXX	XXXXXX	XXXXXX	01/16/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0969405083	XXXXXX	XXXXXX	XXXXXX	01/15/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0964453250	XXXXXX	XXXXXX	XXXXXX	01/16/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0960894460	XXXXXX	XXXXXX	XXXXXX	02/14/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0686927117	XXXXXX	XXXXXX	XXXXXX	02/01/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0858224311	XXXXXX	XXXXXX	XXXXXX	01/21/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0151536873	XXXXXX	XXXXXX	XXXXXX	01/22/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0594957881	XXXXXX	XXXXXX	XXXXXX	01/18/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0181607847	XXXXXX	XXXXXX	XXXXXX	01/21/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0561713230	XXXXXX	XXXXXX	XXXXXX	01/24/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0580493960	XXXXXX	XXXXXX	XXXXXX	01/21/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0359700682	XXXXXX	XXXXXX	XXXXXX	01/18/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0762996387	XXXXXX	XXXXXX	XXXXXX	01/23/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0591713842	XXXXXX	XXXXXX	XXXXXX	01/23/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0412138716	XXXXXX	XXXXXX	XXXXXX	01/29/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0708668607	XXXXXX	XXXXXX	XXXXXX	01/19/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0359030118	XXXXXX	XXXXXX	XXXXXX	01/17/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0963333981	XXXXXX	XXXXXX	XXXXXX	01/23/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0637871952	XXXXXX	XXXXXX	XXXXXX	01/17/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0089767037	XXXXXX	XXXXXX	XXXXXX	01/31/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0251271268	XXXXXX	XXXXXX	XXXXXX	01/22/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0782958136	XXXXXX	XXXXXX	XXXXXX	04/09/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0962555915	XXXXXX	XXXXXX	XXXXXX	01/26/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0660266447	XXXXXX	XXXXXX	XXXXXX	01/28/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0515751289	XXXXXX	XXXXXX	XXXXXX	03/28/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0780847153	XXXXXX	XXXXXX	XXXXXX	05/07/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0344082665	XXXXXX	XXXXXX	XXXXXX	03/20/2019	XXXXXX	2090 Cooperative (Mar 05)				$0.00
0799137988	XXXXXX	XXXXXX	XXXXXX	04/09/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0255092108	XXXXXX	XXXXXX	XXXXXX	04/23/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0394335880	XXXXXX	XXXXXX	XXXXXX	05/02/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0046496761	XXXXXX	XXXXXX	XXXXXX	05/15/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0635699069	XXXXXX	XXXXXX	XXXXXX	04/30/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0921535455	XXXXXX	XXXXXX	XXXXXX	05/14/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0694875724	XXXXXX	XXXXXX	XXXXXX	04/26/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0888046046	XXXXXX	XXXXXX	XXXXXX	05/22/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0537102789	XXXXXX	XXXXXX	XXXXXX	05/02/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0230199731	XXXXXX	XXXXXX	XXXXXX	04/26/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0194649465	XXXXXX	XXXXXX	XXXXXX	05/16/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0403429564	XXXXXX	XXXXXX	XXXXXX	04/24/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0211614348	XXXXXX	XXXXXX	XXXXXX	05/13/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0800590972	XXXXXX	XXXXXX	XXXXXX	05/07/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0396365775	XXXXXX	XXXXXX	XXXXXX	05/07/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0180177789	XXXXXX	XXXXXX	XXXXXX	05/01/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0073103433	XXXXXX	XXXXXX	XXXXXX	05/07/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0689922795	XXXXXX	XXXXXX	XXXXXX	05/20/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0826233931	XXXXXX	XXXXXX	XXXXXX	04/30/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0061694363	XXXXXX	XXXXXX	XXXXXX	04/17/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0965394786	XXXXXX	XXXXXX	XXXXXX	04/15/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0848744571	XXXXXX	XXXXXX	XXXXXX	05/03/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0648135165	XXXXXX	XXXXXX	XXXXXX	03/29/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0464301204	XXXXXX	XXXXXX	XXXXXX	05/10/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0182854453	XXXXXX	XXXXXX	XXXXXX	04/29/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0067071770	XXXXXX	XXXXXX	XXXXXX	05/02/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0197614680	XXXXXX	XXXXXX	XXXXXX	05/03/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0752300735	XXXXXX	XXXXXX	XXXXXX	05/07/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0140292003	XXXXXX	XXXXXX	XXXXXX	05/08/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0484482818	XXXXXX	XXXXXX	XXXXXX	04/23/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0098578479	XXXXXX	XXXXXX	XXXXXX	05/19/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0159247599	XXXXXX	XXXXXX	XXXXXX	05/09/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0298538035	XXXXXX	XXXXXX	XXXXXX	05/09/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0471586929	XXXXXX	XXXXXX	XXXXXX	05/08/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0246986674	XXXXXX	XXXXXX	XXXXXX	05/03/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0007203024	XXXXXX	XXXXXX	XXXXXX	05/06/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0802874812	XXXXXX	XXXXXX	XXXXXX	05/10/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0738319626	XXXXXX	XXXXXX	XXXXXX	05/11/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0596300967	XXXXXX	XXXXXX	XXXXXX	05/15/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0066074404	XXXXXX	XXXXXX	XXXXXX	05/01/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0083957083	XXXXXX	XXXXXX	XXXXXX	05/16/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0480258643	XXXXXX	XXXXXX	XXXXXX	05/10/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0432802722	XXXXXX	XXXXXX	XXXXXX	05/16/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0451121628	XXXXXX	XXXXXX	XXXXXX	05/08/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0094132506	XXXXXX	XXXXXX	XXXXXX	05/19/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0440515802	XXXXXX	XXXXXX	XXXXXX	05/01/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0166991701	XXXXXX	XXXXXX	XXXXXX	05/06/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0275916197	XXXXXX	XXXXXX	XXXXXX	05/04/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0381780907	XXXXXX	XXXXXX	XXXXXX	05/29/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0931852002	XXXXXX	XXXXXX	XXXXXX	04/19/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0622759677	XXXXXX	XXXXXX	XXXXXX	06/24/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0503667682	XXXXXX	XXXXXX	XXXXXX	06/20/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0025840879	XXXXXX	XXXXXX	XXXXXX	07/29/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0163875355	XXXXXX	XXXXXX	XXXXXX	08/07/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0084072021	XXXXXX	XXXXXX	XXXXXX	07/12/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0522418689	XXXXXX	XXXXXX	XXXXXX	07/10/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0290396992	XXXXXX	XXXXXX	XXXXXX	07/30/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0313726905	XXXXXX	XXXXXX	XXXXXX	07/30/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0344461168	XXXXXX	XXXXXX	XXXXXX	07/19/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0119488030	XXXXXX	XXXXXX	XXXXXX	07/23/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0660983732	XXXXXX	XXXXXX	XXXXXX	06/28/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0719668371	XXXXXX	XXXXXX	XXXXXX	07/23/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0641359241	XXXXXX	XXXXXX	XXXXXX	07/24/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0876846986	XXXXXX	XXXXXX	XXXXXX	07/15/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0539656690	XXXXXX	XXXXXX	XXXXXX	07/03/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0532953627	XXXXXX	XXXXXX	XXXXXX	07/17/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0268459998	XXXXXX	XXXXXX	XXXXXX	07/30/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0401987927	XXXXXX	XXXXXX	XXXXXX	08/07/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0804083355	XXXXXX	XXXXXX	XXXXXX	07/09/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0864858405	XXXXXX	XXXXXX	XXXXXX	07/25/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0100949224	XXXXXX	XXXXXX	XXXXXX	07/26/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0850150329	XXXXXX	XXXXXX	XXXXXX	07/05/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0316023138	XXXXXX	XXXXXX	XXXXXX	08/01/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0296538185	XXXXXX	XXXXXX	XXXXXX	07/18/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0403270653	XXXXXX	XXXXXX	XXXXXX	07/25/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0841468619	XXXXXX	XXXXXX	XXXXXX	08/05/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0410491377	XXXXXX	XXXXXX	XXXXXX	08/14/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0207936843	XXXXXX	XXXXXX	XXXXXX	07/29/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0560535952	XXXXXX	XXXXXX	XXXXXX	08/03/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0482575337	XXXXXX	XXXXXX	XXXXXX	07/05/2019	XXXXXX	1004 SFR (Mar 05)			07/05/2019	XXXXXX	Full Appraisal
0768971662	XXXXXX	XXXXXX	XXXXXX	07/28/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0341377262	XXXXXX	XXXXXX	XXXXXX	07/10/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0318454281	XXXXXX	XXXXXX	XXXXXX	08/13/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0831939988	XXXXXX	XXXXXX	XXXXXX	01/28/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0658303941	XXXXXX	XXXXXX	XXXXXX	08/01/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0627253037	XXXXXX	XXXXXX	XXXXXX	07/26/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0549888506	XXXXXX	XXXXXX	XXXXXX	07/30/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0173045918	XXXXXX	XXXXXX	XXXXXX	08/03/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0353041815	XXXXXX	XXXXXX	XXXXXX	08/01/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0757546012	XXXXXX	XXXXXX	XXXXXX	08/05/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0617931850	XXXXXX	XXXXXX	XXXXXX	07/17/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0264969075	XXXXXX	XXXXXX	XXXXXX	08/23/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0368390685	XXXXXX	XXXXXX	XXXXXX	08/07/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0834531294	XXXXXX	XXXXXX	XXXXXX	07/31/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0663428205	XXXXXX	XXXXXX	XXXXXX	07/23/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0091618772	XXXXXX	XXXXXX	XXXXXX	08/07/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0470510698	XXXXXX	XXXXXX	XXXXXX	08/31/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0505661185	XXXXXX	XXXXXX	XXXXXX	08/22/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0790925236	XXXXXX	XXXXXX	XXXXXX	08/08/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0831742939	XXXXXX	XXXXXX	XXXXXX	07/23/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0581075467	XXXXXX	XXXXXX	XXXXXX	09/03/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0249769406	XXXXXX	XXXXXX	XXXXXX	07/16/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0137336864	XXXXXX	XXXXXX	XXXXXX	08/06/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0017125999	XXXXXX	XXXXXX	XXXXXX	08/08/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0717406474	XXXXXX	XXXXXX	XXXXXX	08/19/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0636552460	XXXXXX	XXXXXX	XXXXXX	07/17/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0442954178	XXXXXX	XXXXXX	XXXXXX	08/14/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0999103751	XXXXXX	XXXXXX	XXXXXX	07/18/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0090892025	XXXXXX	XXXXXX	XXXXXX	08/06/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0480694729	XXXXXX	XXXXXX	XXXXXX	07/27/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0054379439	XXXXXX	XXXXXX	XXXXXX	07/30/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0650760614	XXXXXX	XXXXXX	XXXXXX	08/18/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0558552479	XXXXXX	XXXXXX	XXXXXX	08/27/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0615216745	XXXXXX	XXXXXX	XXXXXX	08/08/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0969540472	XXXXXX	XXXXXX	XXXXXX	08/05/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0435920438	XXXXXX	XXXXXX	XXXXXX	08/08/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0232235806	XXXXXX	XXXXXX	XXXXXX	08/15/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0817191353	XXXXXX	XXXXXX	XXXXXX	08/05/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0559177597	XXXXXX	XXXXXX	XXXXXX	06/13/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0289510648	XXXXXX	XXXXXX	XXXXXX	08/12/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0450726039	XXXXXX	XXXXXX	XXXXXX	08/24/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0258714939	XXXXXX	XXXXXX	XXXXXX	08/14/2019	XXXXXX	1004 SFR (Mar 05)			08/15/2019	XXXXXX	Full Appraisal
0250548693	XXXXXX	XXXXXX	XXXXXX	08/09/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0171061835	XXXXXX	XXXXXX	XXXXXX	08/11/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0729022797	XXXXXX	XXXXXX	XXXXXX	08/15/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0337422317	XXXXXX	XXXXXX	XXXXXX	07/30/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0051094872	XXXXXX	XXXXXX	XXXXXX	01/30/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0845100918	XXXXXX	XXXXXX	XXXXXX	08/09/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0342155449	XXXXXX	XXXXXX	XXXXXX	08/07/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0063192927	XXXXXX	XXXXXX	XXXXXX	08/14/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0390562360	XXXXXX	XXXXXX	XXXXXX	08/06/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0240659592	XXXXXX	XXXXXX	XXXXXX	09/19/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0514673504	XXXXXX	XXXXXX	XXXXXX	08/20/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0226574930	XXXXXX	XXXXXX	XXXXXX	09/03/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0209095290	XXXXXX	XXXXXX	XXXXXX	08/19/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0403566133	XXXXXX	XXXXXX	XXXXXX	08/22/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0466520950	XXXXXX	XXXXXX	XXXXXX	08/23/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0164581982	XXXXXX	XXXXXX	XXXXXX	08/12/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0245862531	XXXXXX	XXXXXX	XXXXXX	08/12/2019	XXXXXX	1025 Multi-Fam (Mar 05)				$0.00
0329094540	XXXXXX	XXXXXX	XXXXXX	09/06/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0115444143	XXXXXX	XXXXXX	XXXXXX	08/23/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0078936277	XXXXXX	XXXXXX	XXXXXX	08/21/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0464946580	XXXXXX	XXXXXX	XXXXXX	08/22/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0787874378	XXXXXX	XXXXXX	XXXXXX	09/18/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0749872960	XXXXXX	XXXXXX	XXXXXX	10/09/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0800793629	XXXXXX	XXXXXX	XXXXXX	10/11/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0244418964	XXXXXX	XXXXXX	XXXXXX	10/28/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0537119098	XXXXXX	XXXXXX	XXXXXX	10/16/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0047212998	XXXXXX	XXXXXX	XXXXXX	10/25/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0574495436	XXXXXX	XXXXXX	XXXXXX	10/14/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0384786138	XXXXXX	XXXXXX	XXXXXX	10/18/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0091508207	XXXXXX	XXXXXX	XXXXXX	10/23/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0167463397	XXXXXX	XXXXXX	XXXXXX	10/14/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0723630152	XXXXXX	XXXXXX	XXXXXX	10/11/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0035185220	XXXXXX	XXXXXX	XXXXXX	10/21/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0880824314	XXXXXX	XXXXXX	XXXXXX	10/14/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0332545785	XXXXXX	XXXXXX	XXXXXX	10/08/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0707724360	XXXXXX	XXXXXX	XXXXXX	10/21/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0231397221	XXXXXX	XXXXXX	XXXXXX	10/29/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0513837122	XXXXXX	XXXXXX	XXXXXX	07/16/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0516400659	XXXXXX	XXXXXX	XXXXXX	11/14/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0583613742	XXXXXX	XXXXXX	XXXXXX	10/28/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0744968800	XXXXXX	XXXXXX	XXXXXX	10/22/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0739184622	XXXXXX	XXXXXX	XXXXXX	10/17/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0147781271	XXXXXX	XXXXXX	XXXXXX	10/21/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0874861426	XXXXXX	XXXXXX	XXXXXX	10/22/2019	XXXXXX	2090 Cooperative (Mar 05)				$0.00
0758125974	XXXXXX	XXXXXX	XXXXXX	10/22/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0355973759	XXXXXX	XXXXXX	XXXXXX	10/18/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0277997495	XXXXXX	XXXXXX	XXXXXX	10/16/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0558392377	XXXXXX	XXXXXX	XXXXXX	10/18/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0618494993	XXXXXX	XXXXXX	XXXXXX	10/24/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0857508060	XXXXXX	XXXXXX	XXXXXX	10/19/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0153317789	XXXXXX	XXXXXX	XXXXXX	11/01/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0421376891	XXXXXX	XXXXXX	XXXXXX	10/17/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0140539176	XXXXXX	XXXXXX	XXXXXX	10/21/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0389716084	XXXXXX	XXXXXX	XXXXXX	10/16/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0498812963	XXXXXX	XXXXXX	XXXXXX	10/22/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0116856370	XXXXXX	XXXXXX	XXXXXX	10/25/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0571066766	XXXXXX	XXXXXX	XXXXXX	10/09/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0211948619	XXXXXX	XXXXXX	XXXXXX	10/28/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0147394809	XXXXXX	XXXXXX	XXXXXX	10/30/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0606642899	XXXXXX	XXXXXX	XXXXXX	11/07/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0548724404	XXXXXX	XXXXXX	XXXXXX	11/05/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0619275126	XXXXXX	XXXXXX	XXXXXX	05/29/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0954104756	XXXXXX	XXXXXX	XXXXXX	11/01/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0403291873	XXXXXX	XXXXXX	XXXXXX	10/11/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0745414532	XXXXXX	XXXXXX	XXXXXX	10/18/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0695026985	XXXXXX	XXXXXX	XXXXXX	10/25/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0756089081	XXXXXX	XXXXXX	XXXXXX	10/18/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0564154473	XXXXXX	XXXXXX	XXXXXX	10/22/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0483475198	XXXXXX	XXXXXX	XXXXXX	10/21/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0525474897	XXXXXX	XXXXXX	XXXXXX	10/22/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0580536555	XXXXXX	XXXXXX	XXXXXX	10/28/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0685487404	XXXXXX	XXXXXX	XXXXXX	10/28/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0259417368	XXXXXX	XXXXXX	XXXXXX	10/29/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0411974818	XXXXXX	XXXXXX	XXXXXX	10/28/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0457479020	XXXXXX	XXXXXX	XXXXXX	10/28/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0241121602	XXXXXX	XXXXXX	XXXXXX	10/25/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0483735375	XXXXXX	XXXXXX	XXXXXX	10/16/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0296356249	XXXXXX	XXXXXX	XXXXXX	11/12/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0638012082	XXXXXX	XXXXXX	XXXXXX	10/24/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0678678413	XXXXXX	XXXXXX	XXXXXX	11/11/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0543810165	XXXXXX	XXXXXX	XXXXXX	11/06/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0542874819	XXXXXX	XXXXXX	XXXXXX	10/29/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0156781550	XXXXXX	XXXXXX	XXXXXX	11/18/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0246391501	XXXXXX	XXXXXX	XXXXXX	11/01/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0578129438	XXXXXX	XXXXXX	XXXXXX	10/31/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0228816176	XXXXXX	XXXXXX	XXXXXX	10/29/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0062146444	XXXXXX	XXXXXX	XXXXXX	11/07/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0140285578	XXXXXX	XXXXXX	XXXXXX	10/28/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0400335687	XXXXXX	XXXXXX	XXXXXX	10/30/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0935418209	XXXXXX	XXXXXX	XXXXXX	11/06/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0788298237	XXXXXX	XXXXXX	XXXXXX	11/04/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0979071454	XXXXXX	XXXXXX	XXXXXX	12/20/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0194176130	XXXXXX	XXXXXX	XXXXXX	10/18/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0984676984	XXXXXX	XXXXXX	XXXXXX	10/28/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0757541466	XXXXXX	XXXXXX	XXXXXX	11/20/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0045246453	XXXXXX	XXXXXX	XXXXXX	11/04/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0770245381	XXXXXX	XXXXXX	XXXXXX	11/12/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0681612097	XXXXXX	XXXXXX	XXXXXX	10/30/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0639044846	XXXXXX	XXXXXX	XXXXXX	10/22/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0549627563	XXXXXX	XXXXXX	XXXXXX	10/28/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0993061564	XXXXXX	XXXXXX	XXXXXX	11/13/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0309246636	XXXXXX	XXXXXX	XXXXXX	11/05/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0091931913	XXXXXX	XXXXXX	XXXXXX	11/07/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0735993360	XXXXXX	XXXXXX	XXXXXX	10/30/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0479438120	XXXXXX	XXXXXX	XXXXXX	10/23/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0535802940	XXXXXX	XXXXXX	XXXXXX	11/04/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0150978513	XXXXXX	XXXXXX	XXXXXX	11/13/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0452203312	XXXXXX	XXXXXX	XXXXXX	11/01/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0253477570	XXXXXX	XXXXXX	XXXXXX	10/28/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0118109664	XXXXXX	XXXXXX	XXXXXX	11/01/2019	XXXXXX	1004 SFR (Mar 05)				$0.00
0014449205	XXXXXX	XXXXXX	XXXXXX	10/31/2019	XXXXXX	1073 Condo (Mar 05)				$0.00
0520115742	XXXXXX	XXXXXX	XXXXXX	10/30/2019	XXXXXX	1004 SFR (Mar 05)				$0.00

	Automated Valuation Model						Desk Review				Second Desk Review
Alt Loan Number	Report Date	Value	Variance Amount	Variance (%)	AVM Vendor Name	Confidence Score	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance %
0058093967		$0.00	$0.00	0.00%			04/17/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0460266286		$0.00	$0.00	0.00%			04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0345524951		$0.00	$0.00	0.00%			06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0905082850		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0766781850		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0716875694		$0.00	$0.00	0.00%			05/22/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0937384502		$0.00	$0.00	0.00%			04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0478365775		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0844239670		$0.00	$0.00	0.00%			05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0720118077		$0.00	$0.00	0.00%			04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0215673379		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0813172404		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0331144799		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0103440112		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0066248376		$0.00	$0.00	0.00%			04/18/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0845772901		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0917509116		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	XXXXXX	-100.00%		$0.00	$0.00	0.00%
0808516003		$0.00	$0.00	0.00%			05/02/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0681714584		$0.00	$0.00	0.00%			05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0564024477		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0634340581		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0876017365		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0261449590		$0.00	$0.00	0.00%			06/29/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0390206785		$0.00	$0.00	0.00%			05/03/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0675741198		$0.00	$0.00	0.00%			05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0279313615		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0754880233		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0733283060		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0830874307		$0.00	$0.00	0.00%			04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0603856189		$0.00	$0.00	0.00%			07/11/2018	XXXXXX	XXXXXX	-5.56%		$0.00	$0.00	0.00%
0733482960		$0.00	$0.00	0.00%			07/05/2018	XXXXXX	XXXXXX	-6.63%		$0.00	$0.00	0.00%
0305768815		$0.00	$0.00	0.00%			08/14/2018	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0193295640		$0.00	$0.00	0.00%			07/19/2018	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0912035228		$0.00	$0.00	0.00%			07/19/2018	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0588980730		$0.00	$0.00	0.00%			07/23/2018	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0222821814		$0.00	$0.00	0.00%			02/05/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0187716302		$0.00	$0.00	0.00%			01/25/2019	XXXXXX	XXXXXX	-1.81%		$0.00	$0.00	0.00%
0134859397		$0.00	$0.00	0.00%			01/24/2019	XXXXXX	XXXXXX	1.23%		$0.00	$0.00	0.00%
0096927963		$0.00	$0.00	0.00%			01/03/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0984351889		$0.00	$0.00	0.00%			02/01/2019	XXXXXX	XXXXXX	1.36%		$0.00	$0.00	0.00%
0352386445		$0.00	$0.00	0.00%			09/06/2019	XXXXXX	XXXXXX	1.93%		$0.00	$0.00	0.00%
0336019690		$0.00	$0.00	0.00%			02/01/2019	XXXXXX	XXXXXX	0.40%		$0.00	$0.00	0.00%
0864823692		$0.00	$0.00	0.00%			03/11/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0496353559		$0.00	$0.00	0.00%			04/02/2019	XXXXXX	XXXXXX	-12.27%		$0.00	$0.00	0.00%
0628571176		$0.00	$0.00	0.00%			03/29/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0724929458		$0.00	$0.00	0.00%			03/26/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0101123162		$0.00	$0.00	0.00%			04/01/2019	XXXXXX	XXXXXX	-10.89%		$0.00	$0.00	0.00%
0150952413		$0.00	$0.00	0.00%			03/12/2019	XXXXXX	XXXXXX	-9.88%		$0.00	$0.00	0.00%
0333468038		$0.00	$0.00	0.00%			07/10/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0928143050		$0.00	$0.00	0.00%			07/05/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0893713685		$0.00	$0.00	0.00%			07/05/2019	XXXXXX	XXXXXX	-10.00%		$0.00	$0.00	0.00%
0377384031		$0.00	$0.00	0.00%			01/03/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0104395200		$0.00	$0.00	0.00%			07/01/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0866262796		$0.00	$0.00	0.00%			07/05/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0408978855		$0.00	$0.00	0.00%			03/08/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0525245910		$0.00	$0.00	0.00%			01/09/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0451869153		$0.00	$0.00	0.00%			01/09/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0281282681		$0.00	$0.00	0.00%			01/01/2019	XXXXXX	XXXXXX	-3.87%		$0.00	$0.00	0.00%
0086336495		$0.00	$0.00	0.00%			01/08/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0710969555		$0.00	$0.00	0.00%			03/26/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0934091468		$0.00	$0.00	0.00%			01/07/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0409210611		$0.00	$0.00	0.00%			01/15/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0939412075		$0.00	$0.00	0.00%			03/27/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0340510098		$0.00	$0.00	0.00%			03/14/2019	XXXXXX	XXXXXX	0.68%		$0.00	$0.00	0.00%
0389743079		$0.00	$0.00	0.00%			03/15/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0194389717		$0.00	$0.00	0.00%			03/10/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0028699661		$0.00	$0.00	0.00%			03/31/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0266736486		$0.00	$0.00	0.00%			06/20/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0216132218		$0.00	$0.00	0.00%			07/12/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0738508713		$0.00	$0.00	0.00%			07/05/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0816150918		$0.00	$0.00	0.00%			06/19/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0807818862		$0.00	$0.00	0.00%			06/26/2019	XXXXXX	XXXXXX	-1.33%		$0.00	$0.00	0.00%
0236968332		$0.00	$0.00	0.00%			12/20/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0520183751		$0.00	$0.00	0.00%			09/04/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0607541062		$0.00	$0.00	0.00%			09/16/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0473140064		$0.00	$0.00	0.00%			09/10/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0111855447		$0.00	$0.00	0.00%			09/05/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0921764266		$0.00	$0.00	0.00%			09/04/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0233656945		$0.00	$0.00	0.00%			09/02/2019	XXXXXX	XXXXXX	-8.32%		$0.00	$0.00	0.00%
0676121309		$0.00	$0.00	0.00%			09/03/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0042626327		$0.00	$0.00	0.00%			07/24/2018	XXXXXX	XXXXXX	3.23%		$0.00	$0.00	0.00%
0250203100		$0.00	$0.00	0.00%			08/15/2018	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0981427612		$0.00	$0.00	0.00%			08/01/2018	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0627861462		$0.00	$0.00	0.00%			07/13/2018	XXXXXX	XXXXXX	-0.75%		$0.00	$0.00	0.00%
0039058195		$0.00	$0.00	0.00%			08/06/2018	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0139644050		$0.00	$0.00	0.00%			08/29/2018	XXXXXX	XXXXXX	-5.32%		$0.00	$0.00	0.00%
0303224960		$0.00	$0.00	0.00%			12/03/2018	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0484146170		$0.00	$0.00	0.00%			12/23/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0842683133		$0.00	$0.00	0.00%			01/27/2020	XXXXXX	XXXXXX	-15.79%		$0.00	$0.00	0.00%
0579524202		$0.00	$0.00	0.00%			03/27/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0657971017		$0.00	$0.00	0.00%			01/27/2020	XXXXXX	XXXXXX	-15.84%		$0.00	$0.00	0.00%
0694690062		$0.00	$0.00	0.00%			12/17/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0761832757		$0.00	$0.00	0.00%			12/31/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0926935255		$0.00	$0.00	0.00%			12/27/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0641544091		$0.00	$0.00	0.00%			03/12/2020	XXXXXX	XXXXXX	-7.56%		$0.00	$0.00	0.00%
0280634150		$0.00	$0.00	0.00%			01/28/2020	XXXXXX	XXXXXX	-7.12%		$0.00	$0.00	0.00%
0684792372		$0.00	$0.00	0.00%			03/13/2020	XXXXXX	XXXXXX	-9.50%		$0.00	$0.00	0.00%
0937766655		$0.00	$0.00	0.00%			02/10/2020	XXXXXX	XXXXXX	-11.63%		$0.00	$0.00	0.00%
0256333715		$0.00	$0.00	0.00%			12/26/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0628501373		$0.00	$0.00	0.00%			02/11/2020	XXXXXX	XXXXXX	-3.68%		$0.00	$0.00	0.00%
0966576986		$0.00	$0.00	0.00%			03/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0691005003		$0.00	$0.00	0.00%			02/13/2020	XXXXXX	XXXXXX	-0.59%		$0.00	$0.00	0.00%
0107542073		$0.00	$0.00	0.00%			02/21/2020	XXXXXX	XXXXXX	-2.36%		$0.00	$0.00	0.00%
0242659236		$0.00	$0.00	0.00%			12/19/2018	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0991610154		$0.00	$0.00	0.00%			12/12/2018	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0521593748		$0.00	$0.00	0.00%			12/14/2018	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0989966163		$0.00	$0.00	0.00%			12/17/2018	XXXXXX	XXXXXX	-2.31%		$0.00	$0.00	0.00%
0666871421		$0.00	$0.00	0.00%			12/19/2018	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0688749724		$0.00	$0.00	0.00%			12/17/2018	XXXXXX	XXXXXX	-2.93%		$0.00	$0.00	0.00%
0447571739		$0.00	$0.00	0.00%			01/17/2019	XXXXXX	XXXXXX	-8.70%		$0.00	$0.00	0.00%
0284086889		$0.00	$0.00	0.00%			03/07/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0223411300		$0.00	$0.00	0.00%			04/02/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0501538580		$0.00	$0.00	0.00%			10/09/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0669254856		$0.00	$0.00	0.00%			03/12/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0288069721		$0.00	$0.00	0.00%			03/14/2019	XXXXXX	XXXXXX	-1.44%		$0.00	$0.00	0.00%
0882055575		$0.00	$0.00	0.00%			03/06/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0969405083		$0.00	$0.00	0.00%			03/15/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0964453250		$0.00	$0.00	0.00%			03/24/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0960894460		$0.00	$0.00	0.00%			03/27/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0686927117		$0.00	$0.00	0.00%			03/15/2019	XXXXXX	XXXXXX	1.40%		$0.00	$0.00	0.00%
0858224311		$0.00	$0.00	0.00%			03/07/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0151536873		$0.00	$0.00	0.00%			03/21/2019	XXXXXX	XXXXXX	-6.71%		$0.00	$0.00	0.00%
0594957881		$0.00	$0.00	0.00%			03/14/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0181607847		$0.00	$0.00	0.00%			03/22/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0561713230		$0.00	$0.00	0.00%			04/02/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0580493960		$0.00	$0.00	0.00%			03/12/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0359700682		$0.00	$0.00	0.00%			04/03/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0762996387		$0.00	$0.00	0.00%			03/22/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0591713842		$0.00	$0.00	0.00%			03/14/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0412138716		$0.00	$0.00	0.00%			03/29/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0708668607		$0.00	$0.00	0.00%			03/05/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0359030118		$0.00	$0.00	0.00%			03/18/2019	XXXXXX	XXXXXX	-27.54%		$0.00	$0.00	0.00%
0963333981		$0.00	$0.00	0.00%			03/14/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0637871952		$0.00	$0.00	0.00%			04/17/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0089767037		$0.00	$0.00	0.00%			03/19/2019	XXXXXX	XXXXXX	-18.75%		$0.00	$0.00	0.00%
0251271268		$0.00	$0.00	0.00%			04/03/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0782958136		$0.00	$0.00	0.00%			06/03/2019	XXXXXX	XXXXXX	-11.17%		$0.00	$0.00	0.00%
0962555915		$0.00	$0.00	0.00%			03/13/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0660266447		$0.00	$0.00	0.00%			03/13/2019	XXXXXX	XXXXXX	-3.23%		$0.00	$0.00	0.00%
0515751289		$0.00	$0.00	0.00%			07/09/2019	XXXXXX	XXXXXX	-2.53%		$0.00	$0.00	0.00%
0780847153		$0.00	$0.00	0.00%			08/04/2019	XXXXXX	XXXXXX	-7.41%		$0.00	$0.00	0.00%
0344082665		$0.00	$0.00	0.00%			07/18/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0799137988		$0.00	$0.00	0.00%			07/26/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0255092108		$0.00	$0.00	0.00%			07/29/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0394335880		$0.00	$0.00	0.00%			08/07/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0046496761		$0.00	$0.00	0.00%			07/05/2019	XXXXXX	XXXXXX	-2.05%		$0.00	$0.00	0.00%
0635699069		$0.00	$0.00	0.00%			07/18/2019	XXXXXX	XXXXXX	1.09%		$0.00	$0.00	0.00%
0921535455		$0.00	$0.00	0.00%			07/01/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0694875724		$0.00	$0.00	0.00%			06/19/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0888046046		$0.00	$0.00	0.00%			07/25/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0537102789		$0.00	$0.00	0.00%			07/18/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0230199731		$0.00	$0.00	0.00%			06/26/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0194649465		$0.00	$0.00	0.00%			07/22/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0403429564		$0.00	$0.00	0.00%			06/18/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0211614348		$0.00	$0.00	0.00%			07/31/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0800590972		$0.00	$0.00	0.00%			06/22/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0396365775		$0.00	$0.00	0.00%			06/19/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0180177789		$0.00	$0.00	0.00%			07/07/2019	XXXXXX	XXXXXX	-2.37%		$0.00	$0.00	0.00%
0073103433		$0.00	$0.00	0.00%			06/26/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0689922795		$0.00	$0.00	0.00%			07/18/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0826233931		$0.00	$0.00	0.00%			06/21/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0061694363		$0.00	$0.00	0.00%			08/01/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0965394786		$0.00	$0.00	0.00%			07/05/2019	XXXXXX	XXXXXX	-0.50%		$0.00	$0.00	0.00%
0848744571		$0.00	$0.00	0.00%			06/18/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0648135165		$0.00	$0.00	0.00%			07/16/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0464301204		$0.00	$0.00	0.00%			06/26/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0182854453		$0.00	$0.00	0.00%			08/06/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0067071770		$0.00	$0.00	0.00%			07/18/2019	XXXXXX	XXXXXX	1.13%		$0.00	$0.00	0.00%
0197614680		$0.00	$0.00	0.00%			07/24/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0752300735		$0.00	$0.00	0.00%			07/25/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0140292003		$0.00	$0.00	0.00%			07/19/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0484482818		$0.00	$0.00	0.00%			07/16/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0098578479		$0.00	$0.00	0.00%			07/16/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0159247599		$0.00	$0.00	0.00%			07/09/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0298538035		$0.00	$0.00	0.00%			07/05/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0471586929		$0.00	$0.00	0.00%			06/26/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0246986674		$0.00	$0.00	0.00%			07/10/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0007203024		$0.00	$0.00	0.00%			06/27/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0802874812		$0.00	$0.00	0.00%			07/12/2019	XXXXXX	XXXXXX	-2.17%		$0.00	$0.00	0.00%
0738319626		$0.00	$0.00	0.00%			08/06/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0596300967		$0.00	$0.00	0.00%			07/05/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0066074404		$0.00	$0.00	0.00%			07/16/2019	XXXXXX	XXXXXX	-1.32%		$0.00	$0.00	0.00%
0083957083		$0.00	$0.00	0.00%			07/29/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0480258643		$0.00	$0.00	0.00%			08/02/2019	XXXXXX	XXXXXX	0.67%		$0.00	$0.00	0.00%
0432802722		$0.00	$0.00	0.00%			06/26/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0451121628		$0.00	$0.00	0.00%			07/09/2019	XXXXXX	XXXXXX	-0.95%		$0.00	$0.00	0.00%
0094132506		$0.00	$0.00	0.00%			07/11/2019	XXXXXX	XXXXXX	-7.83%		$0.00	$0.00	0.00%
0440515802		$0.00	$0.00	0.00%			07/07/2019	XXXXXX	XXXXXX	-13.73%		$0.00	$0.00	0.00%
0166991701		$0.00	$0.00	0.00%			07/05/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0275916197		$0.00	$0.00	0.00%			07/18/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0381780907		$0.00	$0.00	0.00%			08/07/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0931852002		$0.00	$0.00	0.00%			07/16/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0622759677		$0.00	$0.00	0.00%			12/13/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0503667682		$0.00	$0.00	0.00%			10/15/2019	XXXXXX	XXXXXX	-5.41%		$0.00	$0.00	0.00%
0025840879		$0.00	$0.00	0.00%			10/17/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0163875355		$0.00	$0.00	0.00%			10/07/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0084072021		$0.00	$0.00	0.00%			10/10/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0522418689		$0.00	$0.00	0.00%			10/17/2019	XXXXXX	XXXXXX	0.67%		$0.00	$0.00	0.00%
0290396992		$0.00	$0.00	0.00%			11/06/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0313726905		$0.00	$0.00	0.00%			11/11/2019	XXXXXX	XXXXXX	2.50%		$0.00	$0.00	0.00%
0344461168		$0.00	$0.00	0.00%			10/24/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0119488030		$0.00	$0.00	0.00%			10/29/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0660983732		$0.00	$0.00	0.00%			10/07/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0719668371		$0.00	$0.00	0.00%			11/07/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0641359241		$0.00	$0.00	0.00%			10/17/2019	XXXXXX	XXXXXX	-0.95%		$0.00	$0.00	0.00%
0876846986		$0.00	$0.00	0.00%			10/07/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0539656690		$0.00	$0.00	0.00%			11/15/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0532953627		$0.00	$0.00	0.00%			10/09/2019	XXXXXX	XXXXXX	8.14%		$0.00	$0.00	0.00%
0268459998		$0.00	$0.00	0.00%			10/21/2019	XXXXXX	XXXXXX	-5.22%		$0.00	$0.00	0.00%
0401987927		$0.00	$0.00	0.00%			10/11/2019	XXXXXX	XXXXXX	-2.13%		$0.00	$0.00	0.00%
0804083355		$0.00	$0.00	0.00%			10/29/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0864858405		$0.00	$0.00	0.00%			10/11/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0100949224		$0.00	$0.00	0.00%			10/09/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0850150329		$0.00	$0.00	0.00%			11/18/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0316023138		$0.00	$0.00	0.00%			10/14/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0296538185		$0.00	$0.00	0.00%			10/14/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0403270653		$0.00	$0.00	0.00%			10/21/2019	XXXXXX	XXXXXX	-2.17%		$0.00	$0.00	0.00%
0841468619		$0.00	$0.00	0.00%			10/09/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0410491377		$0.00	$0.00	0.00%			10/14/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0207936843		$0.00	$0.00	0.00%			11/08/2019	XXXXXX	XXXXXX	-1.26%		$0.00	$0.00	0.00%
0560535952		$0.00	$0.00	0.00%			11/08/2019	XXXXXX	XXXXXX	0.40%		$0.00	$0.00	0.00%
0482575337		$0.00	$0.00	0.00%			10/14/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0768971662		$0.00	$0.00	0.00%			10/11/2019	XXXXXX	XXXXXX	-2.08%		$0.00	$0.00	0.00%
0341377262		$0.00	$0.00	0.00%			10/06/2019	XXXXXX	XXXXXX	-6.93%		$0.00	$0.00	0.00%
0318454281		$0.00	$0.00	0.00%			11/11/2019	XXXXXX	XXXXXX	-0.69%		$0.00	$0.00	0.00%
0831939988		$0.00	$0.00	0.00%			11/11/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0658303941		$0.00	$0.00	0.00%			10/14/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0627253037		$0.00	$0.00	0.00%			10/04/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0549888506		$0.00	$0.00	0.00%			10/07/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0173045918		$0.00	$0.00	0.00%			10/21/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0353041815		$0.00	$0.00	0.00%			10/14/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0757546012		$0.00	$0.00	0.00%			10/08/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0617931850		$0.00	$0.00	0.00%			11/08/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0264969075		$0.00	$0.00	0.00%			12/02/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0368390685		$0.00	$0.00	0.00%			10/14/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0834531294		$0.00	$0.00	0.00%			10/14/2019	XXXXXX	XXXXXX	-4.90%		$0.00	$0.00	0.00%
0663428205		$0.00	$0.00	0.00%			11/08/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0091618772		$0.00	$0.00	0.00%			10/26/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0470510698		$0.00	$0.00	0.00%			11/11/2019	XXXXXX	XXXXXX	-11.11%		$0.00	$0.00	0.00%
0505661185		$0.00	$0.00	0.00%			10/14/2019	XXXXXX	XXXXXX	-8.57%		$0.00	$0.00	0.00%
0790925236		$0.00	$0.00	0.00%			11/19/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0831742939		$0.00	$0.00	0.00%			10/13/2019	XXXXXX	XXXXXX	-21.12%		$0.00	$0.00	0.00%
0581075467		$0.00	$0.00	0.00%			10/31/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0249769406		$0.00	$0.00	0.00%			11/08/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0137336864		$0.00	$0.00	0.00%			10/18/2019	XXXXXX	XXXXXX	-0.09%		$0.00	$0.00	0.00%
0017125999		$0.00	$0.00	0.00%			10/14/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0717406474		$0.00	$0.00	0.00%			10/18/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0636552460		$0.00	$0.00	0.00%			11/11/2019	XXXXXX	XXXXXX	-2.92%		$0.00	$0.00	0.00%
0442954178		$0.00	$0.00	0.00%			10/25/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0999103751		$0.00	$0.00	0.00%			10/08/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0090892025		$0.00	$0.00	0.00%			11/21/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0480694729		$0.00	$0.00	0.00%			10/17/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0054379439		$0.00	$0.00	0.00%			10/10/2019	XXXXXX	XXXXXX	-1.07%		$0.00	$0.00	0.00%
0650760614		$0.00	$0.00	0.00%			10/11/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0558552479		$0.00	$0.00	0.00%			10/21/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0615216745		$0.00	$0.00	0.00%			10/08/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0969540472		$0.00	$0.00	0.00%			10/07/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0435920438		$0.00	$0.00	0.00%			10/21/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0232235806		$0.00	$0.00	0.00%			11/18/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0817191353		$0.00	$0.00	0.00%			10/18/2019	XXXXXX	XXXXXX	1.38%		$0.00	$0.00	0.00%
0559177597		$0.00	$0.00	0.00%			10/14/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0289510648		$0.00	$0.00	0.00%			12/05/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0450726039		$0.00	$0.00	0.00%			11/13/2019	XXXXXX	XXXXXX	-0.66%		$0.00	$0.00	0.00%
0258714939		$0.00	$0.00	0.00%			01/02/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0250548693		$0.00	$0.00	0.00%			11/05/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0171061835		$0.00	$0.00	0.00%			10/21/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0729022797		$0.00	$0.00	0.00%			10/24/2019	XXXXXX	XXXXXX	-0.20%		$0.00	$0.00	0.00%
0337422317		$0.00	$0.00	0.00%			10/13/2019	XXXXXX	XXXXXX	-3.33%		$0.00	$0.00	0.00%
0051094872		$0.00	$0.00	0.00%			10/31/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0845100918		$0.00	$0.00	0.00%			10/06/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0342155449		$0.00	$0.00	0.00%			10/31/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0063192927		$0.00	$0.00	0.00%			10/14/2019	XXXXXX	XXXXXX	2.32%		$0.00	$0.00	0.00%
0390562360		$0.00	$0.00	0.00%			11/18/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0240659592		$0.00	$0.00	0.00%			10/31/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0514673504		$0.00	$0.00	0.00%			11/01/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0226574930		$0.00	$0.00	0.00%			10/24/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0209095290		$0.00	$0.00	0.00%			12/16/2019	XXXXXX	XXXXXX	1.96%		$0.00	$0.00	0.00%
0403566133		$0.00	$0.00	0.00%			10/22/2018	XXXXXX	XXXXXX	-3.77%		$0.00	$0.00	0.00%
0466520950		$0.00	$0.00	0.00%			11/18/2019	XXXXXX	XXXXXX	-4.55%		$0.00	$0.00	0.00%
0164581982		$0.00	$0.00	0.00%			10/25/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0245862531		$0.00	$0.00	0.00%			10/25/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0329094540		$0.00	$0.00	0.00%			09/10/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0115444143		$0.00	$0.00	0.00%			01/07/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0078936277		$0.00	$0.00	0.00%			01/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0464946580		$0.00	$0.00	0.00%			01/19/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0787874378		$0.00	$0.00	0.00%			12/09/2019	XXXXXX	XXXXXX	0.82%		$0.00	$0.00	0.00%
0749872960		$0.00	$0.00	0.00%			12/09/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0800793629		$0.00	$0.00	0.00%			12/26/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0244418964		$0.00	$0.00	0.00%			03/05/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0537119098		$0.00	$0.00	0.00%			01/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0047212998		$0.00	$0.00	0.00%			01/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0574495436		$0.00	$0.00	0.00%			12/23/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0384786138		$0.00	$0.00	0.00%			01/20/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0091508207		$0.00	$0.00	0.00%			12/28/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0167463397		$0.00	$0.00	0.00%			12/31/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0723630152		$0.00	$0.00	0.00%			01/31/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0035185220		$0.00	$0.00	0.00%			12/28/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0880824314		$0.00	$0.00	0.00%			12/12/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0332545785		$0.00	$0.00	0.00%			12/19/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0707724360		$0.00	$0.00	0.00%			02/06/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0231397221		$0.00	$0.00	0.00%			01/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0513837122		$0.00	$0.00	0.00%			01/07/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0516400659		$0.00	$0.00	0.00%			01/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0583613742		$0.00	$0.00	0.00%			12/19/2019	XXXXXX	XXXXXX	-1.96%		$0.00	$0.00	0.00%
0744968800		$0.00	$0.00	0.00%			01/07/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0739184622		$0.00	$0.00	0.00%			12/19/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0147781271		$0.00	$0.00	0.00%			12/28/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0874861426		$0.00	$0.00	0.00%			01/17/2020	XXXXXX	XXXXXX	-14.29%		$0.00	$0.00	0.00%
0758125974		$0.00	$0.00	0.00%			01/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0355973759		$0.00	$0.00	0.00%			12/27/2019	XXXXXX	XXXXXX	-3.79%		$0.00	$0.00	0.00%
0277997495		$0.00	$0.00	0.00%			01/30/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0558392377		$0.00	$0.00	0.00%			01/07/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0618494993		$0.00	$0.00	0.00%			12/12/2019	XXXXXX	XXXXXX	-0.75%		$0.00	$0.00	0.00%
0857508060		$0.00	$0.00	0.00%			12/04/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0153317789		$0.00	$0.00	0.00%			01/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0421376891		$0.00	$0.00	0.00%			01/09/2020	XXXXXX	XXXXXX	-8.80%		$0.00	$0.00	0.00%
0140539176		$0.00	$0.00	0.00%			01/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0389716084		$0.00	$0.00	0.00%			12/17/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0498812963		$0.00	$0.00	0.00%			12/09/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0116856370		$0.00	$0.00	0.00%			01/08/2020	XXXXXX	XXXXXX	-1.04%		$0.00	$0.00	0.00%
0571066766		$0.00	$0.00	0.00%			02/06/2020	XXXXXX	XXXXXX	0.52%		$0.00	$0.00	0.00%
0211948619		$0.00	$0.00	0.00%			12/26/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0147394809		$0.00	$0.00	0.00%			12/12/2019	XXXXXX	XXXXXX	1.31%		$0.00	$0.00	0.00%
0606642899		$0.00	$0.00	0.00%			01/24/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0548724404		$0.00	$0.00	0.00%			01/06/2020	XXXXXX	XXXXXX	-3.23%		$0.00	$0.00	0.00%
0619275126		$0.00	$0.00	0.00%			01/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0954104756		$0.00	$0.00	0.00%			01/22/2020	XXXXXX	XXXXXX	-5.66%		$0.00	$0.00	0.00%
0403291873		$0.00	$0.00	0.00%			01/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0745414532		$0.00	$0.00	0.00%			02/21/2020	XXXXXX	XXXXXX	-2.04%		$0.00	$0.00	0.00%
0695026985		$0.00	$0.00	0.00%			12/20/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0756089081		$0.00	$0.00	0.00%			12/09/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0564154473		$0.00	$0.00	0.00%			12/10/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0483475198		$0.00	$0.00	0.00%			12/26/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0525474897		$0.00	$0.00	0.00%			02/05/2020	XXXXXX	XXXXXX	3.85%		$0.00	$0.00	0.00%
0580536555		$0.00	$0.00	0.00%			01/17/2012	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0685487404		$0.00	$0.00	0.00%			12/19/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0259417368		$0.00	$0.00	0.00%			01/04/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0411974818		$0.00	$0.00	0.00%			01/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0457479020		$0.00	$0.00	0.00%			12/19/2019	XXXXXX	XXXXXX	-0.71%		$0.00	$0.00	0.00%
0241121602		$0.00	$0.00	0.00%			01/23/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0483735375		$0.00	$0.00	0.00%			03/05/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0296356249		$0.00	$0.00	0.00%			01/04/2020	XXXXXX	XXXXXX	0.40%		$0.00	$0.00	0.00%
0638012082		$0.00	$0.00	0.00%			12/12/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0678678413		$0.00	$0.00	0.00%			01/04/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0543810165		$0.00	$0.00	0.00%			01/21/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0542874819		$0.00	$0.00	0.00%			01/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0156781550		$0.00	$0.00	0.00%			03/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0246391501		$0.00	$0.00	0.00%			01/03/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0578129438		$0.00	$0.00	0.00%			12/30/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0228816176		$0.00	$0.00	0.00%			01/13/2020	XXXXXX	XXXXXX	-14.36%		$0.00	$0.00	0.00%
0062146444		$0.00	$0.00	0.00%			03/04/2020	XXXXXX	XXXXXX	-23.40%		$0.00	$0.00	0.00%
0140285578		$0.00	$0.00	0.00%			02/04/2020	XXXXXX	XXXXXX	-8.78%		$0.00	$0.00	0.00%
0400335687		$0.00	$0.00	0.00%			01/02/2020	XXXXXX	XXXXXX	-2.13%		$0.00	$0.00	0.00%
0935418209		$0.00	$0.00	0.00%			02/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0788298237		$0.00	$0.00	0.00%			01/29/2020	XXXXXX	XXXXXX	-3.45%		$0.00	$0.00	0.00%
0979071454		$0.00	$0.00	0.00%			01/27/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0194176130		$0.00	$0.00	0.00%			12/30/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0984676984		$0.00	$0.00	0.00%			12/18/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0757541466		$0.00	$0.00	0.00%			02/07/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0045246453		$0.00	$0.00	0.00%			01/28/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0770245381		$0.00	$0.00	0.00%			01/07/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0681612097		$0.00	$0.00	0.00%			01/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0639044846		$0.00	$0.00	0.00%			01/14/2019	XXXXXX	XXXXXX	-2.68%		$0.00	$0.00	0.00%
0549627563		$0.00	$0.00	0.00%			12/20/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0993061564		$0.00	$0.00	0.00%			02/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0309246636		$0.00	$0.00	0.00%			02/18/2020	XXXXXX	XXXXXX	-7.14%		$0.00	$0.00	0.00%
0091931913		$0.00	$0.00	0.00%			01/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0735993360		$0.00	$0.00	0.00%			01/27/2020	XXXXXX	XXXXXX	-20.31%		$0.00	$0.00	0.00%
0479438120		$0.00	$0.00	0.00%			12/19/2001	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0535802940		$0.00	$0.00	0.00%			01/03/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0150978513		$0.00	$0.00	0.00%			01/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0452203312		$0.00	$0.00	0.00%			01/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0253477570		$0.00	$0.00	0.00%			12/30/2019	XXXXXX	XXXXXX	-2.66%		$0.00	$0.00	0.00%
0118109664		$0.00	$0.00	0.00%			01/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0014449205		$0.00	$0.00	0.00%			01/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0520115742		$0.00	$0.00	0.00%			12/23/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%

	Field Review				Second Field Review				1004 SFR (Mar 05)
Alt Loan Number	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)
0058093967		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0460266286		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0345524951		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0905082850		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0766781850		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0716875694		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0937384502		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0478365775		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0844239670		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0720118077		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0215673379		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0813172404		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0331144799		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0103440112		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0066248376		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
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0440515802	08/09/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
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0470510698	12/02/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
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0831742939	10/25/2019	XXXXXX	XXXXXX	-0.27%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
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0355973759		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0277997495		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0558392377		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0618494993		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0857508060		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0153317789		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0421376891		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0140539176		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0389716084		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0498812963		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0116856370		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0571066766		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0211948619		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0147394809		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0606642899		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0548724404		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0619275126		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0954104756		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0403291873		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0745414532		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0695026985		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0756089081		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0564154473		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0483475198		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0525474897		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0580536555		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0685487404		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0259417368		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0411974818		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0457479020		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0241121602		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0483735375		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0296356249		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0638012082		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0678678413		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0543810165		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0542874819		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0156781550		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0246391501		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0578129438		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0228816176	02/05/2020	XXXXXX	XXXXXX	-4.06%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0062146444	03/16/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0140285578		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0400335687		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0935418209		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0788298237		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0979071454		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0194176130		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0984676984		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0757541466		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0045246453		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0770245381		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0681612097		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0639044846		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0549627563		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0993061564		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0309246636		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0091931913		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0735993360	02/24/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0479438120		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0535802940		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0150978513		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0452203312		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0253477570		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0118109664		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0014449205		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0520115742		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%

	2055 Ext Only (Mar 05)				BPO (Broker Price Opinion)				Other					AUS Information
Alt Loan Number	Report Date	Report Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Other - Valuation Type	Report Date	Value	Variance Amount	Variance (%)	CU Score
0058093967		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0460266286		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0345524951		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0905082850		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0766781850		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0716875694		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0937384502		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0478365775		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0844239670		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0720118077		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0215673379		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0813172404		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0331144799		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0103440112		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0066248376		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0845772901		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0917509116		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0808516003		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0681714584		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0564024477		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0634340581		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0876017365		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0261449590		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0390206785		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0675741198		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0279313615		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0754880233		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0733283060		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0830874307		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0603856189		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0733482960		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0305768815		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0193295640		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0912035228		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0588980730		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0222821814		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0187716302		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0134859397		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0096927963		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0984351889		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0352386445		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0336019690		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0864823692		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0496353559		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0628571176		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0724929458		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0101123162		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0150952413		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0333468038		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0928143050		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0893713685		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0377384031		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0104395200		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0866262796		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0408978855		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0525245910		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0451869153		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0281282681		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0086336495		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0710969555		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0934091468		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0409210611		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0939412075		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0340510098		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0389743079		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0194389717		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0028699661		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0266736486		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0216132218		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0738508713		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0816150918		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0807818862		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0236968332		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0520183751		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0607541062		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0473140064		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0111855447		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0921764266		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0233656945		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0676121309		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0042626327		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0250203100		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
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0757546012		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0617931850		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0264969075		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0368390685		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0834531294		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0663428205		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0091618772		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0470510698		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0505661185		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0790925236		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0831742939		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0581075467		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0249769406		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0137336864		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0017125999		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0717406474		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0636552460		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0442954178		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0999103751		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0090892025		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0480694729		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0054379439		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0650760614		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0558552479		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0615216745		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0969540472		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0435920438		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0232235806		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0817191353		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0559177597		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0289510648		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0450726039		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0258714939		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0250548693		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0171061835		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0729022797		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0337422317		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0051094872		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0845100918		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0342155449		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0063192927		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0390562360		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0240659592		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0514673504		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0226574930		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0209095290		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0403566133		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0466520950		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0164581982		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0245862531		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0329094540		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0115444143		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0078936277		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0464946580		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0787874378		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0749872960		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0800793629		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0244418964		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0537119098		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0047212998		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0574495436		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0384786138		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0091508207		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0167463397		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0723630152		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0035185220		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0880824314		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0332545785		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0707724360		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0231397221		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0513837122		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0516400659		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0583613742		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0744968800		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0739184622		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0147781271		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0874861426		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0758125974		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0355973759		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0277997495		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0558392377		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0618494993		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0857508060		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0153317789		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0421376891		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0140539176		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0389716084		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0498812963		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0116856370		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0571066766		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0211948619		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0147394809		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0606642899		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0548724404		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0619275126		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0954104756		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0403291873		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0745414532		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0695026985		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0756089081		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0564154473		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0483475198		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0525474897		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0580536555		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0685487404		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0259417368		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0411974818		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0457479020		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0241121602		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0483735375		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0296356249		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0638012082		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0678678413		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0543810165		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0542874819		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0156781550		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0246391501		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0578129438		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0228816176		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0062146444		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0140285578		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0400335687		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0935418209		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0788298237		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0979071454		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0194176130		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0984676984		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0757541466		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0045246453		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0770245381		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0681612097		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0639044846		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0549627563		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0993061564		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0309246636		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0091931913		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0735993360		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0479438120		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0535802940		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0150978513		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0452203312		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0253477570		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0118109664		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0014449205		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0520115742		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%

EX-99.5

Exhibit 99.5

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2020-RR1
Start - End Dates:	4/2017 To 7/2020
Deal Loan Count:	376
Conditions Report 2.0
Loans in Report:	376
Loans with Conditions:	273

258 - Total Active Conditions
	1 - Material Conditions
		1 - Credit Review Scope
			1 - Category: Income/Employment
	257 - Non-Material Conditions
		161 - Credit Review Scope
			74 - Category: Ability to Repay/Qualified Mortgage
			12 - Category: Assets
			13 - Category: Credit/Mtg History
			20 - Category: DTI
			23 - Category: Income/Employment
			3 - Category: Legal Documents
			3 - Category: LTV/CLTV
			13 - Category: Terms/Guidelines
		1 - Property Valuations Review Scope
			1 - Category: FEMA
		95 - Compliance Review Scope
			1 - Category: Borrower's Interest
			2 - Category: Federal Consumer Protection
			14 - Category: RESPA
			14 - Category: Right of Rescission
			1 - Category: State Consumer Protection
			63 - Category: TILA/RESPA Integrated Disclosure
505 - Total Satisfied Conditions
		127 - Credit Review Scope
			5 - Category: Ability to Repay/Qualified Mortgage
			4 - Category: Application
			8 - Category: Assets
			9 - Category: Credit/Mtg History
			13 - Category: DTI
			65 - Category: Income/Employment
			3 - Category: Insurance
			18 - Category: Legal Documents
			2 - Category: Terms/Guidelines
		38 - Property Valuations Review Scope
			14 - Category: Appraisal
			5 - Category: FEMA
			3 - Category: Property
			16 - Category: Value
		340 - Compliance Review Scope
			124 - Category: Ability to Repay/Qualified Mortgage
			11 - Category: Documentation
			1 - Category: Federal Consumer Protection
			11 - Category: Finance Charge Tolerance
			6 - Category: RESPA
			11 - Category: Right of Rescission
			4 - Category: State Consumer Protection
			1 - Category: State Late Charges
			171 - Category: TILA/RESPA Integrated Disclosure
10 - Total Waived Conditions
		10 - Compliance Review Scope
			9 - Category: Federal Consumer Protection
			1 - Category: TILA/RESPA Integrated Disclosure

©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-RR1
Start - End Dates:	4/2017 To 7/2020
Deal Loan Count:	376
Conditions Report 2.0
Loans in Report:	376
Loans with Conditions:	273

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	Initial Securitization Property Valuations Loan Grade
0058093967	XXXXXX	OR	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	A
0058093967	XXXXXX	OR	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	A
0058093967	XXXXXX	OR	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	A
0058093967	XXXXXX	OR	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	A
0460266286	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0460266286	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0460266286	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0460266286	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0460266286	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0345524951	XXXXXX	NJ	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0345524951	XXXXXX	NJ	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0905082850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0766781850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	B
0766781850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	B
0766781850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	B
0766781850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	B
0766781850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	B
0766781850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	B
0766781850	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	B
0716875694	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0716875694	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0716875694	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0937384502	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A	A
0937384502	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A	A
0937384502	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A	A
0937384502	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A	A
0478365775	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0478365775	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0478365775	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0478365775	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0478365775	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0844239670	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0844239670	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0844239670	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0844239670	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0844239670	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0844239670	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0720118077	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0720118077	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0720118077	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0720118077	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0720118077	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0215673379	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	C
0215673379	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	C
0215673379	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	C
0215673379	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	C
0215673379	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	C
0813172404	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0813172404	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0813172404	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0813172404	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0813172404	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0813172404	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0331144799	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0331144799	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0331144799	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0331144799	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0331144799	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0331144799	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0103440112	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0103440112	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0103440112	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0103440112	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0103440112	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0066248376	XXXXXX	OR	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0066248376	XXXXXX	OR	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0845772901	XXXXXX	MA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0845772901	XXXXXX	MA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0845772901	XXXXXX	MA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0845772901	XXXXXX	MA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0845772901	XXXXXX	MA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0845772901	XXXXXX	MA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0845772901	XXXXXX	MA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0845772901	XXXXXX	MA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0845772901	XXXXXX	MA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0845772901	XXXXXX	MA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0845772901	XXXXXX	MA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0845772901	XXXXXX	MA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0917509116	XXXXXX	WY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	C
0917509116	XXXXXX	WY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	C
0917509116	XXXXXX	WY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	C
0917509116	XXXXXX	WY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	C
0917509116	XXXXXX	WY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	C
0917509116	XXXXXX	WY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	C
0917509116	XXXXXX	WY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	C
0808516003	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0808516003	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0808516003	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0808516003	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0808516003	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0808516003	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0808516003	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0808516003	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0808516003	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	B
0681714584	XXXXXX	MT	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0681714584	XXXXXX	MT	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0681714584	XXXXXX	MT	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0681714584	XXXXXX	MT	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0564024477	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0564024477	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0564024477	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0564024477	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0564024477	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0564024477	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0564024477	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0564024477	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0564024477	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0564024477	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0564024477	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0564024477	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0564024477	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0564024477	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0634340581	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A	A
0634340581	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A	A
0634340581	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A	A
0876017365	XXXXXX	CT	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	A
0876017365	XXXXXX	CT	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	A
0876017365	XXXXXX	CT	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	A
0261449590	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0261449590	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0261449590	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0390206785	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0390206785	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0390206785	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0390206785	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0390206785	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0390206785	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0390206785	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0390206785	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0390206785	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0390206785	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0390206785	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0675741198	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0675741198	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0675741198	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0675741198	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0675741198	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0279313615	XXXXXX	ID	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0279313615	XXXXXX	ID	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0279313615	XXXXXX	ID	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0279313615	XXXXXX	ID	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0754880233	XXXXXX	MN	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0754880233	XXXXXX	MN	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0754880233	XXXXXX	MN	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0733283060	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	B
0733283060	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	B
0733283060	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	B
0733283060	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	B
0733283060	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	B
0733283060	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	B
0830874307	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0830874307	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0830874307	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0603856189	XXXXXX	HI	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0603856189	XXXXXX	HI	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0603856189	XXXXXX	HI	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0733482960	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	C	C	C	A
0733482960	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	C	C	C	A
0733482960	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	C	C	C	A
0305768815	XXXXXX	MD	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0305768815	XXXXXX	MD	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0305768815	XXXXXX	MD	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0305768815	XXXXXX	MD	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0193295640	XXXXXX	ME	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0193295640	XXXXXX	ME	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0193295640	XXXXXX	ME	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0912035228	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0912035228	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0912035228	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0912035228	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0912035228	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0912035228	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0588980730	XXXXXX	IL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	A
0588980730	XXXXXX	IL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	A
0588980730	XXXXXX	IL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	A
0588980730	XXXXXX	IL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	C	B	A
0222821814	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	D
0222821814	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	D
0222821814	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	D
0222821814	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	D
0187716302	XXXXXX	TN	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0187716302	XXXXXX	TN	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0134859397	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0134859397	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0134859397	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0134859397	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0134859397	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0134859397	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0096927963	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	A	A
0096927963	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	A	A
0096927963	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	A	A
0984351889	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0984351889	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0984351889	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0984351889	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0984351889	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0352386445	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0352386445	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0336019690	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A	A
0336019690	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A	A
0336019690	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A	A
0864823692	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0864823692	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0864823692	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0864823692	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0496353559	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	C
0496353559	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	C
0496353559	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	C
0496353559	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	C
0628571176	XXXXXX	WA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0628571176	XXXXXX	WA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0628571176	XXXXXX	WA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0628571176	XXXXXX	WA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0724929458	XXXXXX	CO	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	A	A	A
0724929458	XXXXXX	CO	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	A	A	A
0724929458	XXXXXX	CO	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	A	A	A
0101123162	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0101123162	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0101123162	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0101123162	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0150952413	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0150952413	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0333468038	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0333468038	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0333468038	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0333468038	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0333468038	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0333468038	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0928143050	XXXXXX	PA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0928143050	XXXXXX	PA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0928143050	XXXXXX	PA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0928143050	XXXXXX	PA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0893713685	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0893713685	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0377384031	XXXXXX	NV	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0377384031	XXXXXX	NV	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0377384031	XXXXXX	NV	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0104395200	XXXXXX	MA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0104395200	XXXXXX	MA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0104395200	XXXXXX	MA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0104395200	XXXXXX	MA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0866262796	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0866262796	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0866262796	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0408978855	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0408978855	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0525245910	XXXXXX	NJ	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0525245910	XXXXXX	NJ	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0525245910	XXXXXX	NJ	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0451869153	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0451869153	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0451869153	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0451869153	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0451869153	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0451869153	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0451869153	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0451869153	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0281282681	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0281282681	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0281282681	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0086336495	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	A	A	A
0086336495	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	A	A	A
0710969555	XXXXXX	AL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0710969555	XXXXXX	AL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0934091468	XXXXXX	SC	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	A
0934091468	XXXXXX	SC	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	A
0934091468	XXXXXX	SC	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	A
0934091468	XXXXXX	SC	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	A
0409210611	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0409210611	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0409210611	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0409210611	XXXXXX	TX	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0939412075	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0939412075	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0939412075	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0340510098	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0340510098	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0389743079	XXXXXX	NC	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	A
0389743079	XXXXXX	NC	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	A
0389743079	XXXXXX	NC	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	C	B	A
0194389717	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	D
0194389717	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	D
0194389717	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	D
0194389717	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	D
0194389717	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	D
0028699661	XXXXXX	MN	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0028699661	XXXXXX	MN	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0028699661	XXXXXX	MN	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0028699661	XXXXXX	MN	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0028699661	XXXXXX	MN	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0028699661	XXXXXX	MN	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0028699661	XXXXXX	MN	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0028699661	XXXXXX	MN	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0266736486	XXXXXX	SC	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0266736486	XXXXXX	SC	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0266736486	XXXXXX	SC	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0266736486	XXXXXX	SC	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0266736486	XXXXXX	SC	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0266736486	XXXXXX	SC	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0266736486	XXXXXX	SC	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0266736486	XXXXXX	SC	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0266736486	XXXXXX	SC	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0216132218	XXXXXX	TX	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0216132218	XXXXXX	TX	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0738508713	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0738508713	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0738508713	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0816150918	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0816150918	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0816150918	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0816150918	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0816150918	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0816150918	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0807818862	XXXXXX	MA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0807818862	XXXXXX	MA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0236968332	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0236968332	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0236968332	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0236968332	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0520183751	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0520183751	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0520183751	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0520183751	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0520183751	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0607541062	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0607541062	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0607541062	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0607541062	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0473140064	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0473140064	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0473140064	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0111855447	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0111855447	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0111855447	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0111855447	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0111855447	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0111855447	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0921764266	XXXXXX	WA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0921764266	XXXXXX	WA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0921764266	XXXXXX	WA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0921764266	XXXXXX	WA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0921764266	XXXXXX	WA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0921764266	XXXXXX	WA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0921764266	XXXXXX	WA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0233656945	XXXXXX	HI	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B	A
0233656945	XXXXXX	HI	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B	A
0233656945	XXXXXX	HI	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B	A
0676121309	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0676121309	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0042626327	XXXXXX	DC	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0250203100	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0981427612	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0627861462	XXXXXX	DC	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0039058195	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0139644050	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0139644050	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0139644050	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0139644050	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0303224960	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	D
0484146170	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0484146170	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0842683133	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	C	B	C
0842683133	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	C	B	C
0842683133	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	C	B	C
0842683133	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	C	B	C
0579524202	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0579524202	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0657971017	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	C
0657971017	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	C
0657971017	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	C
0657971017	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	C
0694690062	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0761832757	XXXXXX	NY	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0761832757	XXXXXX	NY	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0761832757	XXXXXX	NY	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0926935255	XXXXXX	FL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0926935255	XXXXXX	FL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0926935255	XXXXXX	FL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0926935255	XXXXXX	FL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0641544091	XXXXXX	HI	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0641544091	XXXXXX	HI	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0641544091	XXXXXX	HI	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0280634150	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0280634150	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0684792372	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0684792372	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0937766655	XXXXXX	NV	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0937766655	XXXXXX	NV	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0937766655	XXXXXX	NV	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0256333715	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	C	B	A
0256333715	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	C	B	A
0256333715	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	C	B	A
0628501373	XXXXXX	NM	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0628501373	XXXXXX	NM	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0628501373	XXXXXX	NM	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0966576986	XXXXXX	NY	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0966576986	XXXXXX	NY	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0966576986	XXXXXX	NY	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0691005003	XXXXXX	WA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0691005003	XXXXXX	WA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0691005003	XXXXXX	WA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0107542073	XXXXXX	MN	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0107542073	XXXXXX	MN	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0242659236	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0991610154	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	D
0521593748	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	D
0521593748	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	D
0521593748	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	D
0989966163	XXXXXX	LA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0989966163	XXXXXX	LA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0989966163	XXXXXX	LA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0666871421	XXXXXX	UT	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0688749724	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0447571739	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0447571739	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0284086889	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	D
0223411300	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	D
0501538580	XXXXXX	ID	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0501538580	XXXXXX	ID	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0501538580	XXXXXX	ID	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0669254856	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	B	B	A
0669254856	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	B	B	A
0669254856	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	B	B	A
0669254856	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	B	B	A
0669254856	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	B	B	A
0669254856	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	B	B	A
0669254856	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	B	B	A
0288069721	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0882055575	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0969405083	XXXXXX	NC	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0969405083	XXXXXX	NC	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0964453250	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0960894460	XXXXXX	NM	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0960894460	XXXXXX	NM	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0686927117	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0858224311	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0858224311	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0151536873	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0594957881	XXXXXX	ID	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0594957881	XXXXXX	ID	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0594957881	XXXXXX	ID	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0181607847	XXXXXX	DC	QM: Safe Harbor	QM: Safe Harbor	D	A	B	A	A
0181607847	XXXXXX	DC	QM: Safe Harbor	QM: Safe Harbor	D	A	B	A	A
0561713230	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0580493960	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0359700682	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	D
0359700682	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	D
0762996387	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0591713842	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0412138716	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0708668607	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0359030118	XXXXXX	NH	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	C
0359030118	XXXXXX	NH	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	C
0359030118	XXXXXX	NH	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	C
0963333981	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0963333981	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0963333981	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0637871952	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0637871952	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0089767037	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	C
0089767037	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	C
0251271268	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0251271268	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0782958136	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	C
0782958136	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	C
0962555915	XXXXXX	NJ	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0962555915	XXXXXX	NJ	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0660266447	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	D	B	B	B	D
0660266447	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	D	B	B	B	D
0515751289	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	D	B	B	A	A
0515751289	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	D	B	B	A	A
0515751289	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	D	B	B	A	A
0515751289	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	D	B	B	A	A
0515751289	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	D	B	B	A	A
0515751289	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	D	B	B	A	A
0515751289	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	D	B	B	A	A
0515751289	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	D	B	B	A	A
0780847153	XXXXXX	IN	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0780847153	XXXXXX	IN	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0780847153	XXXXXX	IN	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0780847153	XXXXXX	IN	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0344082665	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0799137988	XXXXXX	HI	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0799137988	XXXXXX	HI	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0255092108	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0255092108	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0255092108	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0255092108	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0394335880	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0046496761	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0046496761	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0046496761	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0046496761	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0635699069	XXXXXX	KS	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0921535455	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0694875724	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	A
0694875724	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	A
0694875724	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	A
0888046046	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0888046046	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0537102789	XXXXXX	MN	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	D
0537102789	XXXXXX	MN	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	D
0537102789	XXXXXX	MN	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	D
0537102789	XXXXXX	MN	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	D
0537102789	XXXXXX	MN	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	D
0230199731	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	B	A	A	A	A
0194649465	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0403429564	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0211614348	XXXXXX	PA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0211614348	XXXXXX	PA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0800590972	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0396365775	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0180177789	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0073103433	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0689922795	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0689922795	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0826233931	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0061694363	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0061694363	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0965394786	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	B	A	A	A	A
0848744571	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	A
0848744571	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	A
0848744571	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	A
0848744571	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	A
0648135165	XXXXXX	ID	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0464301204	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0182854453	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0067071770	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0197614680	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0752300735	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0140292003	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0484482818	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0098578479	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0159247599	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0298538035	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0471586929	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	A	A	A	A
0246986674	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0246986674	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0007203024	XXXXXX	DE	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0802874812	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0738319626	XXXXXX	PA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0596300967	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0066074404	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0066074404	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0066074404	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0083957083	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0083957083	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0480258643	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0432802722	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0451121628	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0094132506	XXXXXX	NJ	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0094132506	XXXXXX	NJ	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0094132506	XXXXXX	NJ	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0094132506	XXXXXX	NJ	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0440515802	XXXXXX	UT	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	C
0166991701	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0275916197	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0275916197	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0381780907	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0931852002	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0931852002	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0931852002	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0931852002	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0931852002	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0931852002	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0622759677	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0622759677	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0503667682	XXXXXX	NV	QM: Safe Harbor	QM: Safe Harbor	C	B	C	A	A
0503667682	XXXXXX	NV	QM: Safe Harbor	QM: Safe Harbor	C	B	C	A	A
0503667682	XXXXXX	NV	QM: Safe Harbor	QM: Safe Harbor	C	B	C	A	A
0503667682	XXXXXX	NV	QM: Safe Harbor	QM: Safe Harbor	C	B	C	A	A
0503667682	XXXXXX	NV	QM: Safe Harbor	QM: Safe Harbor	C	B	C	A	A
0025840879	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0163875355	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	B	A	A
0163875355	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	B	A	A
0163875355	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	B	A	A
0084072021	XXXXXX	DC	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0522418689	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0522418689	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0290396992	XXXXXX	DE	QM: Safe Harbor	QM: Safe Harbor	D	A	B	A	A
0290396992	XXXXXX	DE	QM: Safe Harbor	QM: Safe Harbor	D	A	B	A	A
0313726905	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0344461168	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0119488030	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0660983732	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0719668371	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0641359241	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0876846986	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0539656690	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0532953627	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0268459998	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	A
0268459998	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	A
0268459998	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	A
0268459998	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	A
0401987927	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0804083355	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0804083355	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0864858405	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0864858405	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0100949224	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0850150329	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0316023138	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0296538185	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0296538185	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0403270653	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0403270653	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0403270653	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0841468619	XXXXXX	NC	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0410491377	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0410491377	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0207936843	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0560535952	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0482575337	XXXXXX	IL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0482575337	XXXXXX	IL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0482575337	XXXXXX	IL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0768971662	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	C	B	A
0768971662	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	C	B	A
0768971662	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	B	C	B	A
0341377262	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0318454281	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0831939988	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0658303941	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0627253037	XXXXXX	WY	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0549888506	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0173045918	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0353041815	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0757546012	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0617931850	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0264969075	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0368390685	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	D
0368390685	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	D
0368390685	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	D	B	A	A	D
0834531294	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0663428205	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0663428205	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0663428205	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0663428205	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0663428205	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0091618772	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0091618772	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0091618772	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0470510698	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	C
0470510698	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	C
0505661185	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0790925236	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0831742939	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	C
0831742939	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	C
0581075467	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0249769406	XXXXXX	DC	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0137336864	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0017125999	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0717406474	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0636552460	XXXXXX	NC	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0442954178	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0999103751	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0999103751	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0999103751	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0999103751	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0090892025	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0090892025	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0090892025	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0480694729	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0054379439	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0650760614	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0558552479	XXXXXX	MI	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0558552479	XXXXXX	MI	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0615216745	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0969540472	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0435920438	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0232235806	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0817191353	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0559177597	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0289510648	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	C	A	A
0289510648	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	C	A	A
0289510648	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	C	A	A
0289510648	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	C	A	A
0289510648	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	C	A	A
0450726039	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0258714939	XXXXXX	SC	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	B
0258714939	XXXXXX	SC	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	B
0250548693	XXXXXX	PA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0171061835	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0729022797	XXXXXX	DC	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0337422317	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0051094872	XXXXXX	ID	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0845100918	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0845100918	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0342155449	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B	A
0342155449	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B	A
0063192927	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0063192927	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0390562360	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0390562360	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0390562360	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0390562360	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0390562360	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0240659592	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0240659592	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0240659592	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0514673504	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0226574930	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0209095290	XXXXXX	CT	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0403566133	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0403566133	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0466520950	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0164581982	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0245862531	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0245862531	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0329094540	XXXXXX	CT	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0115444143	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0115444143	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0115444143	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0078936277	XXXXXX	RI	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0464946580	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0464946580	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0787874378	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0749872960	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0800793629	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0244418964	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0537119098	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0047212998	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0574495436	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0384786138	XXXXXX	TN	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0091508207	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0167463397	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0723630152	XXXXXX	SC	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0035185220	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0035185220	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0035185220	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0880824314	XXXXXX	FL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0880824314	XXXXXX	FL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0880824314	XXXXXX	FL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0880824314	XXXXXX	FL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0880824314	XXXXXX	FL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0880824314	XXXXXX	FL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0880824314	XXXXXX	FL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0332545785	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0332545785	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0332545785	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0332545785	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0332545785	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0332545785	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0707724360	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0231397221	XXXXXX	OH	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0231397221	XXXXXX	OH	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0513837122	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0516400659	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0583613742	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0744968800	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0739184622	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0147781271	XXXXXX	TN	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0874861426	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	C
0874861426	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	C
0758125974	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0355973759	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0277997495	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0558392377	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0618494993	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0857508060	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A	A
0153317789	XXXXXX	VA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0153317789	XXXXXX	VA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0153317789	XXXXXX	VA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0153317789	XXXXXX	VA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0421376891	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0140539176	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0389716084	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0389716084	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B	A
0498812963	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0498812963	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0498812963	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0116856370	XXXXXX	DC	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0571066766	XXXXXX	UT	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0211948619	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0211948619	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0147394809	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0606642899	XXXXXX	IA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	D
0548724404	XXXXXX	FL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0548724404	XXXXXX	FL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0548724404	XXXXXX	FL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0548724404	XXXXXX	FL	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	D	B	A
0619275126	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0954104756	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0403291873	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0745414532	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0695026985	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0756089081	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	C	B	B	B	A
0756089081	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	C	B	B	B	A
0564154473	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0564154473	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0483475198	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0525474897	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0580536555	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0685487404	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0259417368	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0411974818	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0457479020	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0241121602	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0483735375	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0483735375	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0296356249	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0638012082	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0678678413	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0543810165	XXXXXX	PA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0543810165	XXXXXX	PA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0542874819	XXXXXX	DC	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0156781550	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0246391501	XXXXXX	TN	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0246391501	XXXXXX	TN	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0578129438	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0228816176	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	C
0228816176	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	C
0062146444	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0062146444	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0062146444	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0062146444	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0062146444	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0140285578	XXXXXX	PA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0140285578	XXXXXX	PA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0400335687	XXXXXX	DC	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0935418209	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0935418209	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0788298237	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0979071454	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0979071454	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0979071454	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0194176130	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0984676984	XXXXXX	LA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0984676984	XXXXXX	LA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0757541466	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0757541466	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0045246453	XXXXXX	PA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0045246453	XXXXXX	PA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0770245381	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0681612097	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	D	B	B	B	A
0681612097	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	D	B	B	B	A
0639044846	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0549627563	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0549627563	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A	A
0993061564	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0309246636	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0309246636	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0309246636	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0091931913	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A	A
0735993360	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0735993360	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0735993360	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	C
0479438120	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0535802940	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0150978513	XXXXXX	CO	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0150978513	XXXXXX	CO	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0150978513	XXXXXX	CO	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0150978513	XXXXXX	CO	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0150978513	XXXXXX	CO	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B	A
0452203312	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0452203312	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A	A
0253477570	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A	A
0118109664	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0014449205	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A
0520115742	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A	A

Alt Loan Number	Final Securitization Property Valuations Loan Grade	Initial Securitization Compliance Loan Grade	Final Securitization Compliance Loan Grade	Initial S&P Overall Loan Grade	Final S&P Overall Loan Grade	Initial S&P Credit Loan Grade	Final S&P Credit Loan Grade	Initial S&P Property Valuations Loan Grade	Final S&P Property Valuations Loan Grade
0058093967	A	B	B	C	B	C	B	A	A
0058093967	A	B	B	C	B	C	B	A	A
0058093967	A	B	B	C	B	C	B	A	A
0058093967	A	B	B	C	B	C	B	A	A
0460266286	A	D	A	D	B	B	B	A	A
0460266286	A	D	A	D	B	B	B	A	A
0460266286	A	D	A	D	B	B	B	A	A
0460266286	A	D	A	D	B	B	B	A	A
0460266286	A	D	A	D	B	B	B	A	A
0345524951	A	D	A	D	B	D	B	A	A
0345524951	A	D	A	D	B	D	B	A	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0905082850	A	D	A	D	B	D	B	B	A
0766781850	A	D	A	D	B	C	B	B	A
0766781850	A	D	A	D	B	C	B	B	A
0766781850	A	D	A	D	B	C	B	B	A
0766781850	A	D	A	D	B	C	B	B	A
0766781850	A	D	A	D	B	C	B	B	A
0766781850	A	D	A	D	B	C	B	B	A
0766781850	A	D	A	D	B	C	B	B	A
0716875694	A	D	A	D	B	D	B	A	A
0716875694	A	D	A	D	B	D	B	A	A
0716875694	A	D	A	D	B	D	B	A	A
0937384502	A	D	B	D	B	D	A	A	A
0937384502	A	D	B	D	B	D	A	A	A
0937384502	A	D	B	D	B	D	A	A	A
0937384502	A	D	B	D	B	D	A	A	A
0478365775	A	D	B	D	B	D	B	A	A
0478365775	A	D	B	D	B	D	B	A	A
0478365775	A	D	B	D	B	D	B	A	A
0478365775	A	D	B	D	B	D	B	A	A
0478365775	A	D	B	D	B	D	B	A	A
0844239670	A	D	A	D	B	D	B	A	A
0844239670	A	D	A	D	B	D	B	A	A
0844239670	A	D	A	D	B	D	B	A	A
0844239670	A	D	A	D	B	D	B	A	A
0844239670	A	D	A	D	B	D	B	A	A
0844239670	A	D	A	D	B	D	B	A	A
0720118077	A	D	B	D	B	D	B	A	A
0720118077	A	D	B	D	B	D	B	A	A
0720118077	A	D	B	D	B	D	B	A	A
0720118077	A	D	B	D	B	D	B	A	A
0720118077	A	D	B	D	B	D	B	A	A
0215673379	A	B	B	C	B	C	B	C	A
0215673379	A	B	B	C	B	C	B	C	A
0215673379	A	B	B	C	B	C	B	C	A
0215673379	A	B	B	C	B	C	B	C	A
0215673379	A	B	B	C	B	C	B	C	A
0813172404	A	D	A	D	B	B	B	C	A
0813172404	A	D	A	D	B	B	B	C	A
0813172404	A	D	A	D	B	B	B	C	A
0813172404	A	D	A	D	B	B	B	C	A
0813172404	A	D	A	D	B	B	B	C	A
0813172404	A	D	A	D	B	B	B	C	A
0331144799	A	D	B	D	B	D	B	A	A
0331144799	A	D	B	D	B	D	B	A	A
0331144799	A	D	B	D	B	D	B	A	A
0331144799	A	D	B	D	B	D	B	A	A
0331144799	A	D	B	D	B	D	B	A	A
0331144799	A	D	B	D	B	D	B	A	A
0103440112	A	D	A	D	B	D	B	A	A
0103440112	A	D	A	D	B	D	B	A	A
0103440112	A	D	A	D	B	D	B	A	A
0103440112	A	D	A	D	B	D	B	A	A
0103440112	A	D	A	D	B	D	B	A	A
0066248376	A	D	A	D	B	B	B	A	A
0066248376	A	D	A	D	B	B	B	A	A
0845772901	A	D	B	D	B	D	B	A	A
0845772901	A	D	B	D	B	D	B	A	A
0845772901	A	D	B	D	B	D	B	A	A
0845772901	A	D	B	D	B	D	B	A	A
0845772901	A	D	B	D	B	D	B	A	A
0845772901	A	D	B	D	B	D	B	A	A
0845772901	A	D	B	D	B	D	B	A	A
0845772901	A	D	B	D	B	D	B	A	A
0845772901	A	D	B	D	B	D	B	A	A
0845772901	A	D	B	D	B	D	B	A	A
0845772901	A	D	B	D	B	D	B	A	A
0845772901	A	D	B	D	B	D	B	A	A
0917509116	A	D	B	D	B	D	B	C	B
0917509116	A	D	B	D	B	D	B	C	B
0917509116	A	D	B	D	B	D	B	C	B
0917509116	A	D	B	D	B	D	B	C	B
0917509116	A	D	B	D	B	D	B	C	B
0917509116	A	D	B	D	B	D	B	C	B
0917509116	A	D	B	D	B	D	B	C	B
0808516003	A	D	A	D	B	D	B	B	A
0808516003	A	D	A	D	B	D	B	B	A
0808516003	A	D	A	D	B	D	B	B	A
0808516003	A	D	A	D	B	D	B	B	A
0808516003	A	D	A	D	B	D	B	B	A
0808516003	A	D	A	D	B	D	B	B	A
0808516003	A	D	A	D	B	D	B	B	A
0808516003	A	D	A	D	B	D	B	B	A
0808516003	A	D	A	D	B	D	B	B	A
0681714584	A	B	A	D	B	D	B	A	A
0681714584	A	B	A	D	B	D	B	A	A
0681714584	A	B	A	D	B	D	B	A	A
0681714584	A	B	A	D	B	D	B	A	A
0564024477	A	D	A	D	B	D	B	A	A
0564024477	A	D	A	D	B	D	B	A	A
0564024477	A	D	A	D	B	D	B	A	A
0564024477	A	D	A	D	B	D	B	A	A
0564024477	A	D	A	D	B	D	B	A	A
0564024477	A	D	A	D	B	D	B	A	A
0564024477	A	D	A	D	B	D	B	A	A
0564024477	A	D	A	D	B	D	B	A	A
0564024477	A	D	A	D	B	D	B	A	A
0564024477	A	D	A	D	B	D	B	A	A
0564024477	A	D	A	D	B	D	B	A	A
0564024477	A	D	A	D	B	D	B	A	A
0564024477	A	D	A	D	B	D	B	A	A
0564024477	A	D	A	D	B	D	B	A	A
0634340581	A	B	B	D	B	D	A	A	A
0634340581	A	B	B	D	B	D	A	A	A
0634340581	A	B	B	D	B	D	A	A	A
0876017365	A	B	A	C	B	C	B	A	A
0876017365	A	B	A	C	B	C	B	A	A
0876017365	A	B	A	C	B	C	B	A	A
0261449590	A	D	A	D	B	B	B	A	A
0261449590	A	D	A	D	B	B	B	A	A
0261449590	A	D	A	D	B	B	B	A	A
0390206785	A	D	B	D	B	D	B	A	A
0390206785	A	D	B	D	B	D	B	A	A
0390206785	A	D	B	D	B	D	B	A	A
0390206785	A	D	B	D	B	D	B	A	A
0390206785	A	D	B	D	B	D	B	A	A
0390206785	A	D	B	D	B	D	B	A	A
0390206785	A	D	B	D	B	D	B	A	A
0390206785	A	D	B	D	B	D	B	A	A
0390206785	A	D	B	D	B	D	B	A	A
0390206785	A	D	B	D	B	D	B	A	A
0390206785	A	D	B	D	B	D	B	A	A
0675741198	A	D	B	D	B	D	B	A	A
0675741198	A	D	B	D	B	D	B	A	A
0675741198	A	D	B	D	B	D	B	A	A
0675741198	A	D	B	D	B	D	B	A	A
0675741198	A	D	B	D	B	D	B	A	A
0279313615	A	D	B	D	B	D	B	A	A
0279313615	A	D	B	D	B	D	B	A	A
0279313615	A	D	B	D	B	D	B	A	A
0279313615	A	D	B	D	B	D	B	A	A
0754880233	A	D	B	D	B	B	B	A	A
0754880233	A	D	B	D	B	B	B	A	A
0754880233	A	D	B	D	B	B	B	A	A
0733283060	A	D	A	D	B	B	B	B	A
0733283060	A	D	A	D	B	B	B	B	A
0733283060	A	D	A	D	B	B	B	B	A
0733283060	A	D	A	D	B	B	B	B	A
0733283060	A	D	A	D	B	B	B	B	A
0733283060	A	D	A	D	B	B	B	B	A
0830874307	A	D	B	D	B	B	B	A	A
0830874307	A	D	B	D	B	B	B	A	A
0830874307	A	D	B	D	B	B	B	A	A
0603856189	A	D	A	D	B	B	B	A	A
0603856189	A	D	A	D	B	B	B	A	A
0603856189	A	D	A	D	B	B	B	A	A
0733482960	A	D	A	D	C	C	C	A	A
0733482960	A	D	A	D	C	C	C	A	A
0733482960	A	D	A	D	C	C	C	A	A
0305768815	A	D	A	D	B	D	B	A	A
0305768815	A	D	A	D	B	D	B	A	A
0305768815	A	D	A	D	B	D	B	A	A
0305768815	A	D	A	D	B	D	B	A	A
0193295640	A	D	B	D	B	B	B	A	A
0193295640	A	D	B	D	B	B	B	A	A
0193295640	A	D	B	D	B	B	B	A	A
0912035228	A	D	B	D	B	D	B	A	A
0912035228	A	D	B	D	B	D	B	A	A
0912035228	A	D	B	D	B	D	B	A	A
0912035228	A	D	B	D	B	D	B	A	A
0912035228	A	D	B	D	B	D	B	A	A
0912035228	A	D	B	D	B	D	B	A	A
0588980730	A	C	A	C	B	C	B	A	A
0588980730	A	C	A	C	B	C	B	A	A
0588980730	A	C	A	C	B	C	B	A	A
0588980730	A	C	A	C	B	C	B	A	A
0222821814	A	D	A	D	B	B	B	D	A
0222821814	A	D	A	D	B	B	B	D	A
0222821814	A	D	A	D	B	B	B	D	A
0222821814	A	D	A	D	B	B	B	D	A
0187716302	A	D	A	D	B	B	B	A	A
0187716302	A	D	A	D	B	B	B	A	A
0134859397	A	D	B	D	B	B	B	A	A
0134859397	A	D	B	D	B	B	B	A	A
0134859397	A	D	B	D	B	B	B	A	A
0134859397	A	D	B	D	B	B	B	A	A
0134859397	A	D	B	D	B	B	B	A	A
0134859397	A	D	B	D	B	B	B	A	A
0096927963	A	D	B	D	B	B	A	A	A
0096927963	A	D	B	D	B	B	A	A	A
0096927963	A	D	B	D	B	B	A	A	A
0984351889	A	D	A	D	B	D	B	A	A
0984351889	A	D	A	D	B	D	B	A	A
0984351889	A	D	A	D	B	D	B	A	A
0984351889	A	D	A	D	B	D	B	A	A
0984351889	A	D	A	D	B	D	B	A	A
0352386445	A	D	A	D	B	B	B	A	A
0352386445	A	D	A	D	B	B	B	A	A
0336019690	A	D	B	D	B	D	A	A	A
0336019690	A	D	B	D	B	D	A	A	A
0336019690	A	D	B	D	B	D	A	A	A
0864823692	A	D	A	D	B	D	B	A	A
0864823692	A	D	A	D	B	D	B	A	A
0864823692	A	D	A	D	B	D	B	A	A
0864823692	A	D	A	D	B	D	B	A	A
0496353559	A	D	A	D	B	C	B	C	B
0496353559	A	D	A	D	B	C	B	C	B
0496353559	A	D	A	D	B	C	B	C	B
0496353559	A	D	A	D	B	C	B	C	B
0628571176	A	D	B	D	B	B	B	A	A
0628571176	A	D	B	D	B	B	B	A	A
0628571176	A	D	B	D	B	B	B	A	A
0628571176	A	D	B	D	B	B	B	A	A
0724929458	A	D	B	D	B	A	A	A	A
0724929458	A	D	B	D	B	A	A	A	A
0724929458	A	D	B	D	B	A	A	A	A
0101123162	A	D	A	D	B	B	B	C	B
0101123162	A	D	A	D	B	B	B	C	B
0101123162	A	D	A	D	B	B	B	C	B
0101123162	A	D	A	D	B	B	B	C	B
0150952413	A	D	A	D	B	B	B	A	A
0150952413	A	D	A	D	B	B	B	A	A
0333468038	A	D	B	D	B	B	B	A	A
0333468038	A	D	B	D	B	B	B	A	A
0333468038	A	D	B	D	B	B	B	A	A
0333468038	A	D	B	D	B	B	B	A	A
0333468038	A	D	B	D	B	B	B	A	A
0333468038	A	D	B	D	B	B	B	A	A
0928143050	A	D	A	D	B	B	B	A	A
0928143050	A	D	A	D	B	B	B	A	A
0928143050	A	D	A	D	B	B	B	A	A
0928143050	A	D	A	D	B	B	B	A	A
0893713685	A	D	A	D	B	B	B	A	A
0893713685	A	D	A	D	B	B	B	A	A
0377384031	A	D	A	D	B	B	B	A	A
0377384031	A	D	A	D	B	B	B	A	A
0377384031	A	D	A	D	B	B	B	A	A
0104395200	A	D	A	D	B	B	B	A	A
0104395200	A	D	A	D	B	B	B	A	A
0104395200	A	D	A	D	B	B	B	A	A
0104395200	A	D	A	D	B	B	B	A	A
0866262796	A	D	A	D	B	D	B	A	A
0866262796	A	D	A	D	B	D	B	A	A
0866262796	A	D	A	D	B	D	B	A	A
0408978855	A	D	A	D	B	B	B	A	A
0408978855	A	D	A	D	B	B	B	A	A
0525245910	A	D	A	D	B	B	B	A	A
0525245910	A	D	A	D	B	B	B	A	A
0525245910	A	D	A	D	B	B	B	A	A
0451869153	A	D	A	D	B	D	B	A	A
0451869153	A	D	A	D	B	D	B	A	A
0451869153	A	D	A	D	B	D	B	A	A
0451869153	A	D	A	D	B	D	B	A	A
0451869153	A	D	A	D	B	D	B	A	A
0451869153	A	D	A	D	B	D	B	A	A
0451869153	A	D	A	D	B	D	B	A	A
0451869153	A	D	A	D	B	D	B	A	A
0281282681	A	D	A	D	B	B	B	C	A
0281282681	A	D	A	D	B	B	B	C	A
0281282681	A	D	A	D	B	B	B	C	A
0086336495	A	D	B	D	B	A	A	A	A
0086336495	A	D	B	D	B	A	A	A	A
0710969555	A	D	A	D	B	B	B	A	A
0710969555	A	D	A	D	B	B	B	A	A
0934091468	A	D	A	D	B	C	B	A	A
0934091468	A	D	A	D	B	C	B	A	A
0934091468	A	D	A	D	B	C	B	A	A
0934091468	A	D	A	D	B	C	B	A	A
0409210611	A	D	B	D	B	B	B	A	A
0409210611	A	D	B	D	B	B	B	A	A
0409210611	A	D	B	D	B	B	B	A	A
0409210611	A	D	B	D	B	B	B	A	A
0939412075	A	D	B	D	B	D	B	A	A
0939412075	A	D	B	D	B	D	B	A	A
0939412075	A	D	B	D	B	D	B	A	A
0340510098	A	D	A	D	B	B	B	A	A
0340510098	A	D	A	D	B	B	B	A	A
0389743079	A	D	A	D	B	C	B	A	A
0389743079	A	D	A	D	B	C	B	A	A
0389743079	A	D	A	D	B	C	B	A	A
0194389717	A	D	B	D	B	B	B	D	A
0194389717	A	D	B	D	B	B	B	D	A
0194389717	A	D	B	D	B	B	B	D	A
0194389717	A	D	B	D	B	B	B	D	A
0194389717	A	D	B	D	B	B	B	D	A
0028699661	A	D	B	D	B	B	B	A	A
0028699661	A	D	B	D	B	B	B	A	A
0028699661	A	D	B	D	B	B	B	A	A
0028699661	A	D	B	D	B	B	B	A	A
0028699661	A	D	B	D	B	B	B	A	A
0028699661	A	D	B	D	B	B	B	A	A
0028699661	A	D	B	D	B	B	B	A	A
0028699661	A	D	B	D	B	B	B	A	A
0266736486	A	D	B	D	B	D	B	A	A
0266736486	A	D	B	D	B	D	B	A	A
0266736486	A	D	B	D	B	D	B	A	A
0266736486	A	D	B	D	B	D	B	A	A
0266736486	A	D	B	D	B	D	B	A	A
0266736486	A	D	B	D	B	D	B	A	A
0266736486	A	D	B	D	B	D	B	A	A
0266736486	A	D	B	D	B	D	B	A	A
0266736486	A	D	B	D	B	D	B	A	A
0216132218	A	D	A	D	B	B	B	A	A
0216132218	A	D	A	D	B	B	B	A	A
0738508713	A	D	A	D	B	B	B	A	A
0738508713	A	D	A	D	B	B	B	A	A
0738508713	A	D	A	D	B	B	B	A	A
0816150918	A	D	B	D	B	D	B	A	A
0816150918	A	D	B	D	B	D	B	A	A
0816150918	A	D	B	D	B	D	B	A	A
0816150918	A	D	B	D	B	D	B	A	A
0816150918	A	D	B	D	B	D	B	A	A
0816150918	A	D	B	D	B	D	B	A	A
0807818862	A	D	A	D	B	B	B	A	A
0807818862	A	D	A	D	B	B	B	A	A
0236968332	A	D	A	D	B	B	B	A	A
0236968332	A	D	A	D	B	B	B	A	A
0236968332	A	D	A	D	B	B	B	A	A
0236968332	A	D	A	D	B	B	B	A	A
0520183751	A	D	B	D	B	D	B	A	A
0520183751	A	D	B	D	B	D	B	A	A
0520183751	A	D	B	D	B	D	B	A	A
0520183751	A	D	B	D	B	D	B	A	A
0520183751	A	D	B	D	B	D	B	A	A
0607541062	A	D	B	D	B	D	B	A	A
0607541062	A	D	B	D	B	D	B	A	A
0607541062	A	D	B	D	B	D	B	A	A
0607541062	A	D	B	D	B	D	B	A	A
0473140064	A	D	A	D	B	B	B	A	A
0473140064	A	D	A	D	B	B	B	A	A
0473140064	A	D	A	D	B	B	B	A	A
0111855447	A	D	B	D	B	D	B	A	A
0111855447	A	D	B	D	B	D	B	A	A
0111855447	A	D	B	D	B	D	B	A	A
0111855447	A	D	B	D	B	D	B	A	A
0111855447	A	D	B	D	B	D	B	A	A
0111855447	A	D	B	D	B	D	B	A	A
0921764266	A	D	B	D	B	D	B	A	A
0921764266	A	D	B	D	B	D	B	A	A
0921764266	A	D	B	D	B	D	B	A	A
0921764266	A	D	B	D	B	D	B	A	A
0921764266	A	D	B	D	B	D	B	A	A
0921764266	A	D	B	D	B	D	B	A	A
0921764266	A	D	B	D	B	D	B	A	A
0233656945	A	A	A	C	B	C	B	A	A
0233656945	A	A	A	C	B	C	B	A	A
0233656945	A	A	A	C	B	C	B	A	A
0676121309	A	D	A	D	B	B	B	A	A
0676121309	A	D	A	D	B	B	B	A	A
0042626327	A	A	A	A	A	A	A	A	A
0250203100	A	A	A	A	A	A	A	A	A
0981427612	A	A	A	A	A	A	A	A	A
0627861462	A	A	A	A	A	A	A	A	A
0039058195	A	A	A	A	A	A	A	A	A
0139644050	A	D	A	D	B	D	B	A	A
0139644050	A	D	A	D	B	D	B	A	A
0139644050	A	D	A	D	B	D	B	A	A
0139644050	A	D	A	D	B	D	B	A	A
0303224960	A	A	A	D	A	A	A	D	A
0484146170	A	D	A	D	B	B	B	A	A
0484146170	A	D	A	D	B	B	B	A	A
0842683133	A	D	A	D	B	C	B	C	A
0842683133	A	D	A	D	B	C	B	C	A
0842683133	A	D	A	D	B	C	B	C	A
0842683133	A	D	A	D	B	C	B	C	A
0579524202	A	A	A	B	B	B	B	A	A
0579524202	A	A	A	B	B	B	B	A	A
0657971017	A	D	A	D	B	D	B	C	A
0657971017	A	D	A	D	B	D	B	C	A
0657971017	A	D	A	D	B	D	B	C	A
0657971017	A	D	A	D	B	D	B	C	A
0694690062	A	D	A	D	A	A	A	A	A
0761832757	A	D	A	D	B	B	B	A	A
0761832757	A	D	A	D	B	B	B	A	A
0761832757	A	D	A	D	B	B	B	A	A
0926935255	A	D	A	D	B	D	B	A	A
0926935255	A	D	A	D	B	D	B	A	A
0926935255	A	D	A	D	B	D	B	A	A
0926935255	A	D	A	D	B	D	B	A	A
0641544091	A	D	A	D	B	B	B	A	A
0641544091	A	D	A	D	B	B	B	A	A
0641544091	A	D	A	D	B	B	B	A	A
0280634150	A	D	A	D	B	B	B	A	A
0280634150	A	D	A	D	B	B	B	A	A
0684792372	A	D	A	D	B	B	B	A	A
0684792372	A	D	A	D	B	B	B	A	A
0937766655	A	D	A	D	B	B	B	C	A
0937766655	A	D	A	D	B	B	B	C	A
0937766655	A	D	A	D	B	B	B	C	A
0256333715	A	D	A	D	B	C	B	A	A
0256333715	A	D	A	D	B	C	B	A	A
0256333715	A	D	A	D	B	C	B	A	A
0628501373	A	D	B	D	B	B	B	A	A
0628501373	A	D	B	D	B	B	B	A	A
0628501373	A	D	B	D	B	B	B	A	A
0966576986	A	D	A	D	B	D	B	A	A
0966576986	A	D	A	D	B	D	B	A	A
0966576986	A	D	A	D	B	D	B	A	A
0691005003	A	D	A	D	B	D	B	A	A
0691005003	A	D	A	D	B	D	B	A	A
0691005003	A	D	A	D	B	D	B	A	A
0107542073	A	D	A	D	B	B	B	A	A
0107542073	A	D	A	D	B	B	B	A	A
0242659236	A	B	B	B	B	A	A	A	A
0991610154	A	A	A	D	A	A	A	D	A
0521593748	A	C	B	D	B	A	A	D	A
0521593748	A	C	B	D	B	A	A	D	A
0521593748	A	C	B	D	B	A	A	D	A
0989966163	A	D	A	D	B	D	B	A	A
0989966163	A	D	A	D	B	D	B	A	A
0989966163	A	D	A	D	B	D	B	A	A
0666871421	A	A	A	A	A	A	A	A	A
0688749724	A	A	A	A	A	A	A	A	A
0447571739	A	A	A	D	A	D	A	A	A
0447571739	A	A	A	D	A	D	A	A	A
0284086889	A	A	A	D	A	A	A	D	A
0223411300	A	A	A	D	A	A	A	D	A
0501538580	A	D	A	D	B	B	B	A	A
0501538580	A	D	A	D	B	B	B	A	A
0501538580	A	D	A	D	B	B	B	A	A
0669254856	A	D	B	D	B	B	B	A	A
0669254856	A	D	B	D	B	B	B	A	A
0669254856	A	D	B	D	B	B	B	A	A
0669254856	A	D	B	D	B	B	B	A	A
0669254856	A	D	B	D	B	B	B	A	A
0669254856	A	D	B	D	B	B	B	A	A
0669254856	A	D	B	D	B	B	B	A	A
0288069721	A	A	A	A	A	A	A	A	A
0882055575	A	A	A	A	A	A	A	A	A
0969405083	A	D	A	D	A	A	A	A	A
0969405083	A	D	A	D	A	A	A	A	A
0964453250	A	A	A	A	A	A	A	A	A
0960894460	A	B	B	B	B	B	B	A	A
0960894460	A	B	B	B	B	B	B	A	A
0686927117	A	A	A	A	A	A	A	A	A
0858224311	A	A	A	B	B	B	B	A	A
0858224311	A	A	A	B	B	B	B	A	A
0151536873	A	A	A	A	A	A	A	A	A
0594957881	A	B	B	B	B	A	A	A	A
0594957881	A	B	B	B	B	A	A	A	A
0594957881	A	B	B	B	B	A	A	A	A
0181607847	A	D	A	D	A	B	A	A	A
0181607847	A	D	A	D	A	B	A	A	A
0561713230	A	A	A	A	A	A	A	A	A
0580493960	A	A	A	A	A	A	A	A	A
0359700682	A	B	B	D	B	A	A	D	A
0359700682	A	B	B	D	B	A	A	D	A
0762996387	A	B	B	B	B	A	A	A	A
0591713842	A	A	A	A	A	A	A	A	A
0412138716	A	C	B	C	B	A	A	A	A
0708668607	A	A	A	A	A	A	A	A	A
0359030118	A	C	B	C	B	A	A	C	B
0359030118	A	C	B	C	B	A	A	C	B
0359030118	A	C	B	C	B	A	A	C	B
0963333981	A	D	B	D	B	B	B	A	A
0963333981	A	D	B	D	B	B	B	A	A
0963333981	A	D	B	D	B	B	B	A	A
0637871952	A	B	B	B	B	A	A	A	A
0637871952	A	B	B	B	B	A	A	A	A
0089767037	A	B	B	C	B	A	A	C	B
0089767037	A	B	B	C	B	A	A	C	B
0251271268	A	B	A	B	B	B	B	A	A
0251271268	A	B	A	B	B	B	B	A	A
0782958136	A	B	B	C	B	A	A	C	B
0782958136	A	B	B	C	B	A	A	C	B
0962555915	A	D	A	D	B	B	B	A	A
0962555915	A	D	A	D	B	B	B	A	A
0660266447	A	A	A	D	B	B	B	D	A
0660266447	A	A	A	D	B	B	B	D	A
0515751289	A	D	B	D	B	B	A	A	A
0515751289	A	D	B	D	B	B	A	A	A
0515751289	A	D	B	D	B	B	A	A	A
0515751289	A	D	B	D	B	B	A	A	A
0515751289	A	D	B	D	B	B	A	A	A
0515751289	A	D	B	D	B	B	A	A	A
0515751289	A	D	B	D	B	B	A	A	A
0515751289	A	D	B	D	B	B	A	A	A
0780847153	A	D	A	D	B	D	B	A	A
0780847153	A	D	A	D	B	D	B	A	A
0780847153	A	D	A	D	B	D	B	A	A
0780847153	A	D	A	D	B	D	B	A	A
0344082665	A	B	B	B	B	A	A	A	A
0799137988	A	A	A	B	B	B	B	A	A
0799137988	A	A	A	B	B	B	B	A	A
0255092108	A	B	B	B	B	B	B	A	A
0255092108	A	B	B	B	B	B	B	A	A
0255092108	A	B	B	B	B	B	B	A	A
0255092108	A	B	B	B	B	B	B	A	A
0394335880	A	A	A	A	A	A	A	A	A
0046496761	A	D	A	D	A	D	A	A	A
0046496761	A	D	A	D	A	D	A	A	A
0046496761	A	D	A	D	A	D	A	A	A
0046496761	A	D	A	D	A	D	A	A	A
0635699069	A	A	A	A	A	A	A	A	A
0921535455	A	A	A	A	A	A	A	A	A
0694875724	A	D	B	D	B	A	A	A	A
0694875724	A	D	B	D	B	A	A	A	A
0694875724	A	D	B	D	B	A	A	A	A
0888046046	A	B	B	B	B	A	A	A	A
0888046046	A	B	B	B	B	A	A	A	A
0537102789	A	D	A	D	B	B	B	D	A
0537102789	A	D	A	D	B	B	B	D	A
0537102789	A	D	A	D	B	B	B	D	A
0537102789	A	D	A	D	B	B	B	D	A
0537102789	A	D	A	D	B	B	B	D	A
0230199731	A	B	A	B	A	A	A	A	A
0194649465	A	A	A	A	A	A	A	A	A
0403429564	A	A	A	A	A	A	A	A	A
0211614348	A	B	B	B	B	A	A	A	A
0211614348	A	B	B	B	B	A	A	A	A
0800590972	A	A	A	A	A	A	A	A	A
0396365775	A	A	A	A	A	A	A	A	A
0180177789	A	A	A	A	A	A	A	A	A
0073103433	A	A	A	A	A	A	A	A	A
0689922795	A	B	B	B	B	A	A	A	A
0689922795	A	B	B	B	B	A	A	A	A
0826233931	A	A	A	A	A	A	A	A	A
0061694363	A	C	B	C	B	A	A	A	A
0061694363	A	C	B	C	B	A	A	A	A
0965394786	A	B	A	B	A	A	A	A	A
0848744571	A	D	B	D	B	A	A	A	A
0848744571	A	D	B	D	B	A	A	A	A
0848744571	A	D	B	D	B	A	A	A	A
0848744571	A	D	B	D	B	A	A	A	A
0648135165	A	C	A	C	A	A	A	A	A
0464301204	A	A	A	A	A	A	A	A	A
0182854453	A	A	A	A	A	A	A	A	A
0067071770	A	A	A	A	A	A	A	A	A
0197614680	A	A	A	A	A	A	A	A	A
0752300735	A	A	A	A	A	A	A	A	A
0140292003	A	B	B	B	B	A	A	A	A
0484482818	A	A	A	A	A	A	A	A	A
0098578479	A	A	A	A	A	A	A	A	A
0159247599	A	A	A	A	A	A	A	A	A
0298538035	A	A	A	A	A	A	A	A	A
0471586929	A	B	A	B	A	A	A	A	A
0246986674	A	C	A	C	A	A	A	A	A
0246986674	A	C	A	C	A	A	A	A	A
0007203024	A	A	A	A	A	A	A	A	A
0802874812	A	A	A	A	A	A	A	A	A
0738319626	A	A	A	A	A	A	A	A	A
0596300967	A	A	A	D	A	D	A	A	A
0066074404	A	C	B	C	B	A	A	A	A
0066074404	A	C	B	C	B	A	A	A	A
0066074404	A	C	B	C	B	A	A	A	A
0083957083	A	A	A	A	A	A	A	A	A
0083957083	A	A	A	A	A	A	A	A	A
0480258643	A	A	A	A	A	A	A	A	A
0432802722	A	B	B	B	B	A	A	A	A
0451121628	A	A	A	A	A	A	A	A	A
0094132506	A	D	B	D	B	B	B	A	A
0094132506	A	D	B	D	B	B	B	A	A
0094132506	A	D	B	D	B	B	B	A	A
0094132506	A	D	B	D	B	B	B	A	A
0440515802	A	A	A	C	B	A	A	C	B
0166991701	A	C	A	C	A	A	A	A	A
0275916197	A	A	A	D	A	D	A	A	A
0275916197	A	A	A	D	A	D	A	A	A
0381780907	A	A	A	A	A	A	A	A	A
0931852002	A	D	B	D	B	B	B	A	A
0931852002	A	D	B	D	B	B	B	A	A
0931852002	A	D	B	D	B	B	B	A	A
0931852002	A	D	B	D	B	B	B	A	A
0931852002	A	D	B	D	B	B	B	A	A
0931852002	A	D	B	D	B	B	B	A	A
0622759677	A	B	B	B	B	B	B	A	A
0622759677	A	B	B	B	B	B	B	A	A
0503667682	A	C	B	C	B	C	A	A	A
0503667682	A	C	B	C	B	C	A	A	A
0503667682	A	C	B	C	B	C	A	A	A
0503667682	A	C	B	C	B	C	A	A	A
0503667682	A	C	B	C	B	C	A	A	A
0025840879	A	B	B	B	B	A	A	A	A
0163875355	A	D	B	D	B	B	A	A	A
0163875355	A	D	B	D	B	B	A	A	A
0163875355	A	D	B	D	B	B	A	A	A
0084072021	A	A	A	A	A	A	A	A	A
0522418689	A	A	A	B	B	B	B	A	A
0522418689	A	A	A	B	B	B	B	A	A
0290396992	A	D	A	D	A	B	A	A	A
0290396992	A	D	A	D	A	B	A	A	A
0313726905	A	A	A	A	A	A	A	A	A
0344461168	A	A	A	B	B	B	B	A	A
0119488030	A	A	A	A	A	A	A	A	A
0660983732	A	A	A	A	A	A	A	A	A
0719668371	A	A	A	A	A	A	A	A	A
0641359241	A	B	B	B	B	A	A	A	A
0876846986	A	A	A	A	A	A	A	A	A
0539656690	A	A	A	A	A	A	A	A	A
0532953627	A	A	A	B	B	B	B	A	A
0268459998	A	D	B	D	B	A	A	A	A
0268459998	A	D	B	D	B	A	A	A	A
0268459998	A	D	B	D	B	A	A	A	A
0268459998	A	D	B	D	B	A	A	A	A
0401987927	A	A	A	A	A	A	A	A	A
0804083355	A	C	A	C	A	A	A	A	A
0804083355	A	C	A	C	A	A	A	A	A
0864858405	A	C	A	C	A	A	A	A	A
0864858405	A	C	A	C	A	A	A	A	A
0100949224	A	A	A	A	A	A	A	A	A
0850150329	A	A	A	A	A	A	A	A	A
0316023138	A	C	B	C	B	A	A	A	A
0296538185	A	C	B	C	B	A	A	A	A
0296538185	A	C	B	C	B	A	A	A	A
0403270653	A	A	A	B	B	B	B	A	A
0403270653	A	A	A	B	B	B	B	A	A
0403270653	A	A	A	B	B	B	B	A	A
0841468619	A	A	A	A	A	A	A	A	A
0410491377	A	C	B	C	B	A	A	A	A
0410491377	A	C	B	C	B	A	A	A	A
0207936843	A	A	A	A	A	A	A	A	A
0560535952	A	A	A	A	A	A	A	A	A
0482575337	A	D	B	D	B	B	B	A	A
0482575337	A	D	B	D	B	B	B	A	A
0482575337	A	D	B	D	B	B	B	A	A
0768971662	A	D	B	D	B	C	B	A	A
0768971662	A	D	B	D	B	C	B	A	A
0768971662	A	D	B	D	B	C	B	A	A
0341377262	A	C	B	C	B	A	A	A	A
0318454281	A	A	A	A	A	A	A	A	A
0831939988	A	A	A	A	A	A	A	A	A
0658303941	A	D	A	D	A	A	A	A	A
0627253037	A	A	A	A	A	A	A	A	A
0549888506	A	B	B	B	B	A	A	A	A
0173045918	A	A	A	A	A	A	A	A	A
0353041815	A	A	A	A	A	A	A	A	A
0757546012	A	A	A	A	A	A	A	A	A
0617931850	A	A	A	A	A	A	A	A	A
0264969075	A	A	A	A	A	A	A	A	A
0368390685	A	D	B	D	B	A	A	D	A
0368390685	A	D	B	D	B	A	A	D	A
0368390685	A	D	B	D	B	A	A	D	A
0834531294	A	A	A	A	A	A	A	A	A
0663428205	A	D	B	D	B	B	B	A	A
0663428205	A	D	B	D	B	B	B	A	A
0663428205	A	D	B	D	B	B	B	A	A
0663428205	A	D	B	D	B	B	B	A	A
0663428205	A	D	B	D	B	B	B	A	A
0091618772	A	B	B	B	B	A	A	A	A
0091618772	A	B	B	B	B	A	A	A	A
0091618772	A	B	B	B	B	A	A	A	A
0470510698	A	A	A	C	A	A	A	C	A
0470510698	A	A	A	C	A	A	A	C	A
0505661185	A	A	A	A	A	A	A	A	A
0790925236	A	A	A	A	A	A	A	A	A
0831742939	A	C	A	C	A	A	A	C	A
0831742939	A	C	A	C	A	A	A	C	A
0581075467	A	B	B	B	B	A	A	A	A
0249769406	A	A	A	A	A	A	A	A	A
0137336864	A	A	A	A	A	A	A	A	A
0017125999	A	A	A	A	A	A	A	A	A
0717406474	A	B	B	B	B	A	A	A	A
0636552460	A	B	B	B	B	A	A	A	A
0442954178	A	A	A	A	A	A	A	A	A
0999103751	A	B	B	B	B	A	A	A	A
0999103751	A	B	B	B	B	A	A	A	A
0999103751	A	B	B	B	B	A	A	A	A
0999103751	A	B	B	B	B	A	A	A	A
0090892025	A	C	B	C	B	A	A	A	A
0090892025	A	C	B	C	B	A	A	A	A
0090892025	A	C	B	C	B	A	A	A	A
0480694729	A	B	B	B	B	A	A	A	A
0054379439	A	C	B	C	B	A	A	A	A
0650760614	A	B	B	B	B	A	A	A	A
0558552479	A	B	B	B	B	A	A	A	A
0558552479	A	B	B	B	B	A	A	A	A
0615216745	A	A	A	A	A	A	A	A	A
0969540472	A	A	A	A	A	A	A	A	A
0435920438	A	B	B	B	B	A	A	A	A
0232235806	A	B	B	B	B	A	A	A	A
0817191353	A	A	A	A	A	A	A	A	A
0559177597	A	A	A	A	A	A	A	A	A
0289510648	A	C	B	C	B	C	A	A	A
0289510648	A	C	B	C	B	C	A	A	A
0289510648	A	C	B	C	B	C	A	A	A
0289510648	A	C	B	C	B	C	A	A	A
0289510648	A	C	B	C	B	C	A	A	A
0450726039	A	A	A	A	A	A	A	A	A
0258714939	B	C	A	C	B	A	A	B	B
0258714939	B	C	A	C	B	A	A	B	B
0250548693	A	A	A	A	A	A	A	A	A
0171061835	A	D	A	D	A	A	A	A	A
0729022797	A	A	A	A	A	A	A	A	A
0337422317	A	A	A	B	B	B	B	A	A
0051094872	A	A	A	A	A	A	A	A	A
0845100918	A	B	B	B	B	A	A	A	A
0845100918	A	B	B	B	B	A	A	A	A
0342155449	A	B	B	C	B	C	B	A	A
0342155449	A	B	B	C	B	C	B	A	A
0063192927	A	D	A	D	B	B	B	A	A
0063192927	A	D	A	D	B	B	B	A	A
0390562360	A	D	A	D	A	A	A	A	A
0390562360	A	D	A	D	A	A	A	A	A
0390562360	A	D	A	D	A	A	A	A	A
0390562360	A	D	A	D	A	A	A	A	A
0390562360	A	D	A	D	A	A	A	A	A
0240659592	A	B	B	B	B	A	A	A	A
0240659592	A	B	B	B	B	A	A	A	A
0240659592	A	B	B	B	B	A	A	A	A
0514673504	A	A	A	A	A	A	A	A	A
0226574930	A	A	A	A	A	A	A	A	A
0209095290	A	A	A	A	A	A	A	A	A
0403566133	A	C	A	C	A	A	A	A	A
0403566133	A	C	A	C	A	A	A	A	A
0466520950	A	B	B	B	B	A	A	A	A
0164581982	A	B	B	B	B	A	A	A	A
0245862531	A	C	B	C	B	A	A	A	A
0245862531	A	C	B	C	B	A	A	A	A
0329094540	A	A	A	A	A	A	A	A	A
0115444143	A	D	A	D	B	B	B	A	A
0115444143	A	D	A	D	B	B	B	A	A
0115444143	A	D	A	D	B	B	B	A	A
0078936277	A	B	B	B	B	A	A	A	A
0464946580	A	A	A	A	A	A	A	A	A
0464946580	A	A	A	A	A	A	A	A	A
0787874378	A	A	A	A	A	A	A	A	A
0749872960	A	A	A	A	A	A	A	A	A
0800793629	A	A	A	A	A	A	A	A	A
0244418964	A	A	A	A	A	A	A	A	A
0537119098	A	A	A	A	A	A	A	A	A
0047212998	A	A	A	A	A	A	A	A	A
0574495436	A	B	B	B	B	A	A	A	A
0384786138	A	A	A	A	A	A	A	A	A
0091508207	A	A	A	A	A	A	A	A	A
0167463397	A	A	A	A	A	A	A	A	A
0723630152	A	A	A	A	A	A	A	A	A
0035185220	A	D	A	D	A	D	A	A	A
0035185220	A	D	A	D	A	D	A	A	A
0035185220	A	D	A	D	A	D	A	A	A
0880824314	A	D	B	D	B	D	B	A	A
0880824314	A	D	B	D	B	D	B	A	A
0880824314	A	D	B	D	B	D	B	A	A
0880824314	A	D	B	D	B	D	B	A	A
0880824314	A	D	B	D	B	D	B	A	A
0880824314	A	D	B	D	B	D	B	A	A
0880824314	A	D	B	D	B	D	B	A	A
0332545785	A	D	A	D	A	A	A	A	A
0332545785	A	D	A	D	A	A	A	A	A
0332545785	A	D	A	D	A	A	A	A	A
0332545785	A	D	A	D	A	A	A	A	A
0332545785	A	D	A	D	A	A	A	A	A
0332545785	A	D	A	D	A	A	A	A	A
0707724360	A	A	A	A	A	A	A	A	A
0231397221	A	A	A	A	A	A	A	A	A
0231397221	A	A	A	A	A	A	A	A	A
0513837122	A	A	A	A	A	A	A	A	A
0516400659	A	D	A	D	A	A	A	A	A
0583613742	A	A	A	A	A	A	A	A	A
0744968800	A	A	A	A	A	A	A	A	A
0739184622	A	A	A	A	A	A	A	A	A
0147781271	A	B	B	B	B	A	A	A	A
0874861426	A	C	B	C	B	A	A	C	A
0874861426	A	C	B	C	B	A	A	C	A
0758125974	A	A	A	A	A	A	A	A	A
0355973759	A	A	A	A	A	A	A	A	A
0277997495	A	A	A	A	A	A	A	A	A
0558392377	A	A	A	A	A	A	A	A	A
0618494993	A	A	A	A	A	A	A	A	A
0857508060	A	B	B	B	B	A	A	A	A
0153317789	A	D	A	D	B	B	B	A	A
0153317789	A	D	A	D	B	B	B	A	A
0153317789	A	D	A	D	B	B	B	A	A
0153317789	A	D	A	D	B	B	B	A	A
0421376891	A	A	A	A	A	A	A	A	A
0140539176	A	A	A	A	A	A	A	A	A
0389716084	A	A	A	B	B	B	B	A	A
0389716084	A	A	A	B	B	B	B	A	A
0498812963	A	C	B	C	B	A	A	A	A
0498812963	A	C	B	C	B	A	A	A	A
0498812963	A	C	B	C	B	A	A	A	A
0116856370	A	C	A	C	A	A	A	A	A
0571066766	A	A	A	A	A	A	A	A	A
0211948619	A	D	A	D	B	B	B	A	A
0211948619	A	D	A	D	B	B	B	A	A
0147394809	A	A	A	A	A	A	A	A	A
0606642899	A	A	A	D	A	A	A	D	A
0548724404	A	D	A	D	B	D	B	A	A
0548724404	A	D	A	D	B	D	B	A	A
0548724404	A	D	A	D	B	D	B	A	A
0548724404	A	D	A	D	B	D	B	A	A
0619275126	A	D	A	D	A	A	A	A	A
0954104756	A	A	A	A	A	A	A	A	A
0403291873	A	D	A	D	A	A	A	A	A
0745414532	A	A	A	A	A	A	A	A	A
0695026985	A	C	A	C	A	A	A	A	A
0756089081	A	C	A	C	B	B	B	A	A
0756089081	A	C	A	C	B	B	B	A	A
0564154473	A	D	A	D	B	B	B	A	A
0564154473	A	D	A	D	B	B	B	A	A
0483475198	A	C	B	C	B	A	A	A	A
0525474897	A	A	A	A	A	A	A	A	A
0580536555	A	A	A	A	A	A	A	A	A
0685487404	A	A	A	A	A	A	A	A	A
0259417368	A	A	A	A	A	A	A	A	A
0411974818	A	A	A	A	A	A	A	A	A
0457479020	A	A	A	A	A	A	A	A	A
0241121602	A	A	A	A	A	A	A	A	A
0483735375	A	A	A	D	A	D	A	A	A
0483735375	A	A	A	D	A	D	A	A	A
0296356249	A	C	B	C	B	A	A	A	A
0638012082	A	A	A	A	A	A	A	A	A
0678678413	A	A	A	A	A	A	A	A	A
0543810165	A	D	A	D	A	A	A	A	A
0543810165	A	D	A	D	A	A	A	A	A
0542874819	A	A	A	A	A	A	A	A	A
0156781550	A	A	A	A	A	A	A	A	A
0246391501	A	D	A	D	B	B	B	A	A
0246391501	A	D	A	D	B	B	B	A	A
0578129438	A	A	A	A	A	A	A	A	A
0228816176	A	A	A	C	A	A	A	C	A
0228816176	A	A	A	C	A	A	A	C	A
0062146444	A	D	A	D	B	B	B	C	A
0062146444	A	D	A	D	B	B	B	C	A
0062146444	A	D	A	D	B	B	B	C	A
0062146444	A	D	A	D	B	B	B	C	A
0062146444	A	D	A	D	B	B	B	C	A
0140285578	A	C	A	C	A	A	A	A	A
0140285578	A	C	A	C	A	A	A	A	A
0400335687	A	A	A	A	A	A	A	A	A
0935418209	A	D	A	D	A	D	A	A	A
0935418209	A	D	A	D	A	D	A	A	A
0788298237	A	A	A	A	A	A	A	A	A
0979071454	A	C	A	C	A	A	A	A	A
0979071454	A	C	A	C	A	A	A	A	A
0979071454	A	C	A	C	A	A	A	A	A
0194176130	A	A	A	A	A	A	A	A	A
0984676984	A	A	A	A	A	A	A	A	A
0984676984	A	A	A	A	A	A	A	A	A
0757541466	A	A	A	A	A	A	A	A	A
0757541466	A	A	A	A	A	A	A	A	A
0045246453	A	A	A	A	A	A	A	A	A
0045246453	A	A	A	A	A	A	A	A	A
0770245381	A	A	A	A	A	A	A	A	A
0681612097	A	D	A	D	B	B	B	A	A
0681612097	A	D	A	D	B	B	B	A	A
0639044846	A	A	A	A	A	A	A	A	A
0549627563	A	D	A	D	A	A	A	A	A
0549627563	A	D	A	D	A	A	A	A	A
0993061564	A	A	A	A	A	A	A	A	A
0309246636	A	C	A	C	A	A	A	A	A
0309246636	A	C	A	C	A	A	A	A	A
0309246636	A	C	A	C	A	A	A	A	A
0091931913	A	C	B	C	B	A	A	A	A
0735993360	A	D	A	D	B	B	B	C	A
0735993360	A	D	A	D	B	B	B	C	A
0735993360	A	D	A	D	B	B	B	C	A
0479438120	A	A	A	A	A	A	A	A	A
0535802940	A	A	A	A	A	A	A	A	A
0150978513	A	D	A	D	B	B	B	A	A
0150978513	A	D	A	D	B	B	B	A	A
0150978513	A	D	A	D	B	B	B	A	A
0150978513	A	D	A	D	B	B	B	A	A
0150978513	A	D	A	D	B	B	B	A	A
0452203312	A	D	A	D	A	D	A	A	A
0452203312	A	D	A	D	A	D	A	A	A
0253477570	A	C	A	C	A	A	A	A	A
0118109664	A	A	A	A	A	A	A	A	A
0014449205	A	A	A	A	A	A	A	A	A
0520115742	A	A	A	A	A	A	A	A	A

Alt Loan Number	Initial S&P Compliance Loan Grade	Final S&P Compliance Loan Grade	Condition Category	Condition Sub Category	Condition Status	Initial Securitization Condition Grade	Final Securitization Condition Grade	Initial S&P Condition Grade	Final S&P Condition Grade
0058093967	B	B	Compliance	Federal Consumer Protection	Waived	B	B	B	B
0058093967	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0058093967	B	B	Credit	Ability to Repay/Qualified Mortgage	Satisfied	C	A	C	A
0058093967	B	B	Credit	DTI	Active	B	B	B	B
0460266286	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0460266286	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0460266286	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0460266286	D	A	Credit	Income/Employment	Satisfied	B	A	B	A
0460266286	D	A	Credit	Income/Employment	Satisfied	B	A	B	A
0345524951	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0345524951	D	A	Credit	Income/Employment	Active	D	B	D	B
0905082850	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	C	A	C	A
0905082850	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	N/A	A	N/A	A
0905082850	D	A	Compliance	Documentation	Satisfied	B	A	B	A
0905082850	D	A	Compliance	Documentation	Satisfied	C	A	C	A
0905082850	D	A	Compliance	Documentation	Satisfied	D	A	D	A
0905082850	D	A	Compliance	Documentation	Satisfied	N/A	A	N/A	A
0905082850	D	A	Credit	Ability to Repay/Qualified Mortgage	Satisfied	C	A	C	A
0905082850	D	A	Credit	Application	Satisfied	N/A	A	N/A	A
0905082850	D	A	Credit	Assets	Satisfied	C	A	C	A
0905082850	D	A	Credit	Credit/Mtg History	Satisfied	C	A	C	A
0905082850	D	A	Credit	Income/Employment	Active	D	B	D	B
0905082850	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0905082850	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0905082850	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0905082850	D	A	Credit	Insurance	Satisfied	D	A	D	A
0905082850	D	A	Credit	Legal Documents	Satisfied	D	A	D	A
0905082850	D	A	Credit	Legal Documents	Satisfied	D	A	D	A
0905082850	D	A	Property Valuations	FEMA	Satisfied	B	A	B	A
0766781850	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0766781850	D	A	Credit	Assets	Satisfied	B	A	B	A
0766781850	D	A	Credit	Credit/Mtg History	Satisfied	C	A	C	A
0766781850	D	A	Credit	DTI	Active	B	B	B	B
0766781850	D	A	Credit	Income/Employment	Satisfied	B	A	B	A
0766781850	D	A	Credit	Income/Employment	Satisfied	B	A	B	A
0766781850	D	A	Property Valuations	FEMA	Satisfied	B	A	B	A
0716875694	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0716875694	D	A	Credit	Application	Satisfied	D	A	D	A
0716875694	D	A	Credit	Income/Employment	Active	D	B	D	B
0937384502	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0937384502	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0937384502	D	B	Compliance	TILA/RESPA Integrated Disclosure	Waived	B	B	B	B
0937384502	D	B	Credit	Income/Employment	Satisfied	D	A	D	A
0478365775	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0478365775	D	B	Compliance	Federal Consumer Protection	Waived	B	B	B	B
0478365775	D	B	Credit	Credit/Mtg History	Active	B	B	B	B
0478365775	D	B	Credit	Income/Employment	Satisfied	D	A	D	A
0478365775	D	B	Credit	Income/Employment	Satisfied	D	A	D	A
0844239670	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0844239670	D	A	Compliance	RESPA	Satisfied	B	A	B	A
0844239670	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	A	B	A
0844239670	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0844239670	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0844239670	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0720118077	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0720118077	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0720118077	D	B	Credit	Application	Satisfied	D	A	D	A
0720118077	D	B	Credit	Income/Employment	Satisfied	C	A	C	A
0720118077	D	B	Credit	LTV/CLTV	Active	B	B	B	B
0215673379	B	B	Compliance	Federal Consumer Protection	Waived	B	B	B	B
0215673379	B	B	Compliance	State Late Charges	Satisfied	B	B	B	B
0215673379	B	B	Credit	Ability to Repay/Qualified Mortgage	Satisfied	C	A	C	A
0215673379	B	B	Credit	DTI	Active	B	B	B	B
0215673379	B	B	Property Valuations	Property	Satisfied	C	A	C	A
0813172404	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0813172404	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0813172404	D	A	Credit	Income/Employment	Satisfied	B	A	B	A
0813172404	D	A	Credit	Income/Employment	Satisfied	B	A	B	A
0813172404	D	A	Property Valuations	Property	Satisfied	C	A	C	A
0813172404	D	A	Property Valuations	Property	Satisfied	C	A	C	A
0331144799	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0331144799	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0331144799	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0331144799	D	B	Credit	DTI	Satisfied	D	A	D	A
0331144799	D	B	Credit	Income/Employment	Active	B	B	B	B
0331144799	D	B	Credit	Income/Employment	Satisfied	D	A	D	A
0103440112	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0103440112	D	A	Credit	Income/Employment	Active	B	B	B	B
0103440112	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0103440112	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0103440112	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0066248376	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0066248376	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0845772901	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0845772901	D	B	Compliance	Federal Consumer Protection	Active	B	B	B	B
0845772901	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0845772901	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0845772901	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0845772901	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0845772901	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0845772901	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0845772901	D	B	Credit	Credit/Mtg History	Active	B	B	B	B
0845772901	D	B	Credit	DTI	Active	B	B	B	B
0845772901	D	B	Credit	Income/Employment	Active	D	B	D	B
0845772901	D	B	Credit	Income/Employment	Satisfied	D	A	D	A
0917509116	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0917509116	D	B	Compliance	Federal Consumer Protection	Waived	C	B	C	B
0917509116	D	B	Credit	Income/Employment	Active	B	B	B	B
0917509116	D	B	Credit	Income/Employment	Satisfied	D	A	D	A
0917509116	D	B	Credit	Income/Employment	Satisfied	D	A	D	A
0917509116	D	B	Property Valuations	Appraisal	Satisfied	A	A	A	A
0917509116	D	B	Property Valuations	Value	Satisfied	C	A	C	B
0808516003	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0808516003	D	A	Compliance	RESPA	Satisfied	B	A	B	A
0808516003	D	A	Compliance	Right of Rescission	Satisfied	D	A	D	A
0808516003	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	A	B	A
0808516003	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0808516003	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0808516003	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0808516003	D	A	Credit	Insurance	Satisfied	D	A	D	A
0808516003	D	A	Property Valuations	FEMA	Satisfied	B	A	B	A
0681714584	B	A	Compliance	RESPA	Satisfied	B	A	B	A
0681714584	B	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	A	B	A
0681714584	B	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0681714584	B	A	Credit	Income/Employment	Satisfied	D	A	D	A
0564024477	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0564024477	D	A	Compliance	Documentation	Satisfied	B	A	B	A
0564024477	D	A	Compliance	Documentation	Satisfied	D	A	D	A
0564024477	D	A	Compliance	Documentation	Satisfied	D	A	D	A
0564024477	D	A	Compliance	Documentation	Satisfied	D	A	D	A
0564024477	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0564024477	D	A	Credit	Credit/Mtg History	Satisfied	B	A	B	A
0564024477	D	A	Credit	Credit/Mtg History	Satisfied	B	A	B	A
0564024477	D	A	Credit	Credit/Mtg History	Satisfied	D	A	D	A
0564024477	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0564024477	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0564024477	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0564024477	D	A	Credit	Legal Documents	Satisfied	D	A	D	A
0564024477	D	A	Credit	Legal Documents	Satisfied	D	A	D	A
0634340581	B	B	Compliance	Federal Consumer Protection	Waived	B	B	B	B
0634340581	B	B	Credit	Income/Employment	Satisfied	D	A	D	A
0634340581	B	B	Credit	Income/Employment	Satisfied	D	A	D	A
0876017365	B	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	B	A	B	A
0876017365	B	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0876017365	B	A	Credit	Income/Employment	Satisfied	C	A	C	A
0261449590	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0261449590	D	A	Credit	DTI	Active	B	B	B	B
0261449590	D	A	Credit	Income/Employment	Active	B	B	B	B
0390206785	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0390206785	D	B	Compliance	Federal Consumer Protection	Waived	B	B	B	B
0390206785	D	B	Compliance	RESPA	Satisfied	B	A	B	A
0390206785	D	B	Compliance	Right of Rescission	Satisfied	D	A	D	A
0390206785	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0390206785	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	A	B	A
0390206785	D	B	Credit	Assets	Active	D	B	D	B
0390206785	D	B	Credit	Income/Employment	Satisfied	B	A	B	A
0390206785	D	B	Credit	Income/Employment	Satisfied	B	A	B	A
0390206785	D	B	Credit	Income/Employment	Satisfied	B	A	B	A
0390206785	D	B	Credit	Legal Documents	Satisfied	D	A	D	A
0675741198	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0675741198	D	B	Compliance	Federal Consumer Protection	Active	B	B	B	B
0675741198	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0675741198	D	B	Credit	Income/Employment	Active	D	B	D	B
0675741198	D	B	Credit	Income/Employment	Active	D	B	D	B
0279313615	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0279313615	D	B	Compliance	Federal Consumer Protection	Waived	B	B	B	B
0279313615	D	B	Credit	DTI	Active	B	B	B	B
0279313615	D	B	Credit	Income/Employment	Satisfied	D	A	D	A
0754880233	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0754880233	D	B	Compliance	Federal Consumer Protection	Waived	B	B	B	B
0754880233	D	B	Credit	Income/Employment	Active	B	B	B	B
0733283060	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0733283060	D	A	Credit	Ability to Repay/Qualified Mortgage	Satisfied	A	A	A	A
0733283060	D	A	Credit	DTI	Active	B	B	B	B
0733283060	D	A	Credit	DTI	Satisfied	B	A	B	A
0733283060	D	A	Property Valuations	Appraisal	Satisfied	A	A	A	A
0733283060	D	A	Property Valuations	FEMA	Satisfied	B	A	B	A
0830874307	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0830874307	D	B	Compliance	Federal Consumer Protection	Waived	B	B	B	B
0830874307	D	B	Credit	Income/Employment	Active	B	B	B	B
0603856189	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0603856189	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0603856189	D	A	Credit	Terms/Guidelines	Active	B	B	B	B
0733482960	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0733482960	D	A	Credit	DTI	Active	B	B	B	B
0733482960	D	A	Credit	Income/Employment	Active	C	C	C	C
0305768815	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0305768815	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0305768815	D	A	Credit	Assets	Active	B	B	B	B
0305768815	D	A	Credit	Legal Documents	Satisfied	D	A	D	A
0193295640	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0193295640	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0193295640	D	B	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0912035228	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0912035228	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0912035228	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0912035228	D	B	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0912035228	D	B	Credit	DTI	Satisfied	D	A	D	A
0912035228	D	B	Credit	Terms/Guidelines	Satisfied	C	A	C	A
0588980730	C	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	C	A	C	A
0588980730	C	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	C	A	C	A
0588980730	C	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	N/A	A	N/A	A
0588980730	C	A	Credit	Credit/Mtg History	Active	C	B	C	B
0222821814	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0222821814	D	A	Credit	Income/Employment	Active	B	B	B	B
0222821814	D	A	Credit	Income/Employment	Satisfied	B	A	B	A
0222821814	D	A	Property Valuations	Appraisal	Satisfied	D	A	D	A
0187716302	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0187716302	D	A	Credit	DTI	Active	B	B	B	B
0134859397	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0134859397	D	B	Compliance	Right of Rescission	Active	B	B	B	B
0134859397	D	B	Compliance	Right of Rescission	Satisfied	C	B	C	B
0134859397	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0134859397	D	B	Credit	Income/Employment	Active	B	B	B	B
0134859397	D	B	Credit	Income/Employment	Active	B	B	B	B
0096927963	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0096927963	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0096927963	D	B	Credit	Income/Employment	Satisfied	B	A	B	A
0984351889	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0984351889	D	A	Credit	Income/Employment	Active	B	B	B	B
0984351889	D	A	Credit	Income/Employment	Satisfied	C	A	C	A
0984351889	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0984351889	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0352386445	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0352386445	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0336019690	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0336019690	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0336019690	D	B	Credit	Income/Employment	Satisfied	D	A	D	A
0864823692	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0864823692	D	A	Credit	Credit/Mtg History	Satisfied	B	A	B	A
0864823692	D	A	Credit	Income/Employment	Active	D	B	D	B
0864823692	D	A	Credit	Terms/Guidelines	Active	B	B	B	B
0496353559	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0496353559	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0496353559	D	A	Credit	Income/Employment	Satisfied	C	A	C	A
0496353559	D	A	Property Valuations	Value	Satisfied	C	A	C	B
0628571176	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0628571176	D	B	Compliance	Right of Rescission	Active	C	B	C	B
0628571176	D	B	Credit	Income/Employment	Satisfied	B	A	B	A
0628571176	D	B	Credit	Terms/Guidelines	Active	B	B	B	B
0724929458	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0724929458	D	B	Compliance	Finance Charge Tolerance	Satisfied	C	B	C	B
0724929458	D	B	Compliance	Finance Charge Tolerance	Satisfied	C	B	C	B
0101123162	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0101123162	D	A	Credit	Assets	Active	B	B	B	B
0101123162	D	A	Credit	Credit/Mtg History	Active	B	B	B	B
0101123162	D	A	Property Valuations	Value	Satisfied	C	A	C	B
0150952413	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0150952413	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0333468038	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0333468038	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0333468038	D	B	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0333468038	D	B	Credit	Income/Employment	Active	B	B	B	B
0333468038	D	B	Credit	Legal Documents	Active	B	B	B	B
0333468038	D	B	Credit	Terms/Guidelines	Active	B	B	B	B
0928143050	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0928143050	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0928143050	D	A	Credit	Credit/Mtg History	Satisfied	B	A	B	A
0928143050	D	A	Credit	Income/Employment	Satisfied	B	A	B	A
0893713685	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0893713685	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0377384031	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0377384031	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0377384031	D	A	Credit	Credit/Mtg History	Active	B	B	B	B
0104395200	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0104395200	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0104395200	D	A	Credit	DTI	Satisfied	B	A	B	A
0104395200	D	A	Credit	Income/Employment	Satisfied	B	A	B	A
0866262796	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0866262796	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0866262796	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0408978855	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0408978855	D	A	Credit	Income/Employment	Active	B	B	B	B
0525245910	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0525245910	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0525245910	D	A	Credit	Income/Employment	Satisfied	B	A	B	A
0451869153	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0451869153	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0451869153	D	A	Credit	Assets	Satisfied	C	A	C	A
0451869153	D	A	Credit	Assets	Satisfied	D	A	D	A
0451869153	D	A	Credit	DTI	Satisfied	D	A	D	A
0451869153	D	A	Credit	Income/Employment	Satisfied	C	A	C	A
0451869153	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0451869153	D	A	Credit	Legal Documents	Satisfied	D	A	D	A
0281282681	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0281282681	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0281282681	D	A	Property Valuations	FEMA	Satisfied	C	A	C	A
0086336495	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0086336495	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0710969555	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0710969555	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0934091468	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0934091468	D	A	Credit	Assets	Satisfied	C	A	C	A
0934091468	D	A	Credit	Income/Employment	Active	B	B	B	B
0934091468	D	A	Credit	Income/Employment	Satisfied	B	A	B	A
0409210611	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0409210611	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0409210611	D	B	Credit	Income/Employment	Active	B	B	B	B
0409210611	D	B	Credit	Terms/Guidelines	Active	B	B	B	B
0939412075	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0939412075	D	B	Compliance	RESPA	Active	B	B	B	B
0939412075	D	B	Credit	DTI	Active	D	B	D	B
0340510098	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0340510098	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0389743079	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0389743079	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0389743079	D	A	Credit	Income/Employment	Satisfied	C	A	C	A
0194389717	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0194389717	D	B	Compliance	RESPA	Active	B	B	B	B
0194389717	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0194389717	D	B	Credit	DTI	Active	B	B	B	B
0194389717	D	B	Property Valuations	Appraisal	Satisfied	D	A	D	A
0028699661	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0028699661	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0028699661	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0028699661	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0028699661	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0028699661	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0028699661	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0028699661	D	B	Credit	LTV/CLTV	Active	B	B	B	B
0266736486	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0266736486	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0266736486	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0266736486	D	B	Credit	Ability to Repay/Qualified Mortgage	Active	N/A	B	N/A	B
0266736486	D	B	Credit	Credit/Mtg History	Active	B	B	B	B
0266736486	D	B	Credit	Credit/Mtg History	Satisfied	B	A	B	A
0266736486	D	B	Credit	DTI	Satisfied	D	A	D	A
0266736486	D	B	Credit	Income/Employment	Satisfied	B	A	B	A
0266736486	D	B	Credit	Terms/Guidelines	Active	B	B	B	B
0216132218	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0216132218	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0738508713	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0738508713	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0738508713	D	A	Credit	DTI	Satisfied	B	A	B	A
0816150918	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0816150918	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0816150918	D	B	Credit	Ability to Repay/Qualified Mortgage	Active	N/A	B	N/A	B
0816150918	D	B	Credit	Credit/Mtg History	Active	B	B	B	B
0816150918	D	B	Credit	Income/Employment	Satisfied	C	A	C	A
0816150918	D	B	Credit	Legal Documents	Satisfied	D	A	D	A
0807818862	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0807818862	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0236968332	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0236968332	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0236968332	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0236968332	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0520183751	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0520183751	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0520183751	D	B	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0520183751	D	B	Credit	DTI	Satisfied	D	A	D	A
0520183751	D	B	Credit	Income/Employment	Satisfied	C	A	C	A
0607541062	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0607541062	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0607541062	D	B	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0607541062	D	B	Credit	DTI	Satisfied	D	A	D	A
0473140064	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0473140064	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0473140064	D	A	Credit	Legal Documents	Satisfied	B	A	B	A
0111855447	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0111855447	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0111855447	D	B	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0111855447	D	B	Credit	Assets	Active	B	B	B	B
0111855447	D	B	Credit	DTI	Active	B	B	B	B
0111855447	D	B	Credit	Insurance	Satisfied	D	A	D	A
0921764266	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0921764266	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0921764266	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0921764266	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0921764266	D	B	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0921764266	D	B	Credit	Income/Employment	Satisfied	D	A	D	A
0921764266	D	B	Credit	Income/Employment	Satisfied	D	A	D	A
0233656945	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0233656945	A	A	Credit	Credit/Mtg History	Active	B	B	B	B
0233656945	A	A	Credit	Terms/Guidelines	Active	C	B	C	B
0676121309	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0676121309	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0042626327	A	A
0250203100	A	A
0981427612	A	A
0627861462	A	A
0039058195	A	A
0139644050	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0139644050	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0139644050	D	A	Credit	DTI	Satisfied	D	A	D	A
0139644050	D	A	Credit	Income/Employment	Satisfied	C	A	C	A
0303224960	A	A	Property Valuations	Appraisal	Satisfied	D	A	D	A
0484146170	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0484146170	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0842683133	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0842683133	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0842683133	D	A	Credit	Income/Employment	Satisfied	C	A	C	A
0842683133	D	A	Property Valuations	Value	Satisfied	C	A	C	A
0579524202	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0579524202	A	A	Credit	Credit/Mtg History	Active	B	B	B	B
0657971017	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0657971017	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0657971017	D	A	Credit	Legal Documents	Satisfied	D	A	D	A
0657971017	D	A	Property Valuations	Value	Satisfied	C	A	C	A
0694690062	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0761832757	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0761832757	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0761832757	D	A	Credit	LTV/CLTV	Active	B	B	B	B
0926935255	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0926935255	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0926935255	D	A	Credit	DTI	Active	D	B	D	B
0926935255	D	A	Credit	Legal Documents	Satisfied	D	A	D	A
0641544091	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0641544091	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0641544091	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0280634150	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0280634150	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0684792372	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0684792372	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0937766655	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0937766655	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0937766655	D	A	Property Valuations	Value	Satisfied	C	A	C	A
0256333715	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0256333715	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0256333715	D	A	Credit	Income/Employment	Satisfied	C	A	C	A
0628501373	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0628501373	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0628501373	D	B	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0966576986	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0966576986	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0966576986	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0691005003	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0691005003	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0691005003	D	A	Credit	Legal Documents	Satisfied	D	A	D	A
0107542073	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0107542073	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0242659236	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0991610154	A	A	Property Valuations	Appraisal	Satisfied	D	A	D	A
0521593748	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0521593748	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0521593748	C	B	Property Valuations	Appraisal	Satisfied	D	A	D	A
0989966163	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0989966163	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0989966163	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0666871421	A	A
0688749724	A	A
0447571739	A	A	Credit	Assets	Satisfied	C	A	C	A
0447571739	A	A	Credit	Assets	Satisfied	D	A	D	A
0284086889	A	A	Property Valuations	Appraisal	Satisfied	D	A	D	A
0223411300	A	A	Property Valuations	Appraisal	Satisfied	D	A	D	A
0501538580	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0501538580	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0501538580	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0669254856	D	B	Compliance	Federal Consumer Protection	Satisfied	C	A	C	A
0669254856	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0669254856	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0669254856	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0669254856	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0669254856	D	B	Credit	Terms/Guidelines	Active	B	B	B	B
0669254856	D	B	Credit	Terms/Guidelines	Active	B	B	B	B
0288069721	A	A
0882055575	A	A
0969405083	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0969405083	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0964453250	A	A
0960894460	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0960894460	B	B	Credit	Credit/Mtg History	Active	B	B	B	B
0686927117	A	A
0858224311	A	A	Credit	Credit/Mtg History	Active	B	B	B	B
0858224311	A	A	Credit	DTI	Active	B	B	B	B
0151536873	A	A
0594957881	B	B	Compliance	RESPA	Active	B	B	B	B
0594957881	B	B	Compliance	RESPA	Active	B	B	B	B
0594957881	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0181607847	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0181607847	D	A	Credit	DTI	Satisfied	B	A	B	A
0561713230	A	A
0580493960	A	A
0359700682	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0359700682	B	B	Property Valuations	Appraisal	Satisfied	D	A	D	A
0762996387	B	B	Compliance	State Consumer Protection	Active	B	B	B	B
0591713842	A	A
0412138716	C	B	Compliance	Right of Rescission	Satisfied	C	B	C	B
0708668607	A	A
0359030118	C	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0359030118	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0359030118	C	B	Property Valuations	Value	Satisfied	C	A	C	B
0963333981	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0963333981	D	B	Compliance	RESPA	Active	B	B	B	B
0963333981	D	B	Credit	DTI	Active	B	B	B	B
0637871952	B	B	Compliance	RESPA	Active	B	B	B	B
0637871952	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0089767037	B	B	Compliance	RESPA	Active	B	B	B	B
0089767037	B	B	Property Valuations	Value	Satisfied	C	A	C	B
0251271268	B	A	Compliance	State Consumer Protection	Satisfied	B	A	B	A
0251271268	B	A	Credit	Assets	Active	B	B	B	B
0782958136	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0782958136	B	B	Property Valuations	Value	Satisfied	C	A	C	B
0962555915	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0962555915	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0660266447	A	A	Credit	Assets	Active	B	B	B	B
0660266447	A	A	Property Valuations	Appraisal	Satisfied	D	A	D	A
0515751289	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0515751289	D	B	Compliance	Finance Charge Tolerance	Satisfied	C	B	C	B
0515751289	D	B	Compliance	Right of Rescission	Active	B	B	B	B
0515751289	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0515751289	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0515751289	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0515751289	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0515751289	D	B	Credit	Ability to Repay/Qualified Mortgage	Satisfied	B	A	B	A
0780847153	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0780847153	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0780847153	D	A	Credit	Assets	Active	B	B	B	B
0780847153	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0344082665	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0799137988	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0799137988	A	A	Credit	DTI	Active	B	B	B	B
0255092108	B	B	Compliance	RESPA	Active	B	B	B	B
0255092108	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0255092108	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0255092108	B	B	Credit	Income/Employment	Active	B	B	B	B
0394335880	A	A
0046496761	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0046496761	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	A	B	A
0046496761	D	A	Credit	Application	Satisfied	D	A	D	A
0046496761	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0635699069	A	A
0921535455	A	A
0694875724	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0694875724	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0694875724	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0888046046	B	B	Compliance	RESPA	Active	B	B	B	B
0888046046	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0537102789	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0537102789	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	A	B	A
0537102789	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0537102789	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0537102789	D	A	Property Valuations	Appraisal	Satisfied	D	A	D	A
0230199731	B	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	A	B	A
0194649465	A	A
0403429564	A	A
0211614348	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0211614348	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0800590972	A	A
0396365775	A	A
0180177789	A	A
0073103433	A	A
0689922795	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0689922795	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0826233931	A	A
0061694363	C	B	Compliance	Right of Rescission	Satisfied	C	B	C	B
0061694363	C	B	Compliance	Right of Rescission	Satisfied	C	B	C	B
0965394786	B	A	Compliance	RESPA	Satisfied	B	A	B	A
0848744571	D	B	Compliance	RESPA	Active	B	B	B	B
0848744571	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	A	B	A
0848744571	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0848744571	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0648135165	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0464301204	A	A
0182854453	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0067071770	A	A
0197614680	A	A
0752300735	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0140292003	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0484482818	A	A
0098578479	A	A
0159247599	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0298538035	A	A
0471586929	B	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	A	B	A
0246986674	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0246986674	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0007203024	A	A
0802874812	A	A
0738319626	A	A
0596300967	A	A	Credit	Legal Documents	Satisfied	D	A	D	A
0066074404	C	B	Compliance	Finance Charge Tolerance	Satisfied	C	B	C	B
0066074404	C	B	Compliance	Finance Charge Tolerance	Satisfied	C	B	C	B
0066074404	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	A	B	A
0083957083	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0083957083	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0480258643	A	A
0432802722	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0451121628	A	A
0094132506	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0094132506	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0094132506	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	A	B	A
0094132506	D	B	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0440515802	A	A	Property Valuations	Value	Satisfied	C	A	C	B
0166991701	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0275916197	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0275916197	A	A	Credit	DTI	Satisfied	D	A	D	A
0381780907	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0931852002	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	A	A	A	A
0931852002	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0931852002	D	B	Compliance	Right of Rescission	Active	B	B	B	B
0931852002	D	B	Credit	Ability to Repay/Qualified Mortgage	Active	N/A	B	N/A	B
0931852002	D	B	Credit	Assets	Active	B	B	B	B
0931852002	D	B	Credit	DTI	Active	B	B	B	B
0622759677	B	B	Compliance	Right of Rescission	Active	B	B	B	B
0622759677	B	B	Credit	Terms/Guidelines	Active	B	B	B	B
0503667682	C	B	Compliance	RESPA	Active	B	B	B	B
0503667682	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0503667682	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	A	B	A
0503667682	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0503667682	C	B	Credit	Assets	Satisfied	C	A	C	A
0025840879	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0163875355	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0163875355	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0163875355	D	B	Credit	Legal Documents	Satisfied	B	A	B	A
0084072021	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0522418689	A	A	Credit	Assets	Active	B	B	B	B
0522418689	A	A	Credit	Legal Documents	Active	B	B	B	B
0290396992	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0290396992	D	A	Credit	Legal Documents	Satisfied	B	A	B	A
0313726905	A	A
0344461168	A	A	Credit	Income/Employment	Active	B	B	B	B
0119488030	A	A
0660983732	A	A
0719668371	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0641359241	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0876846986	A	A
0539656690	A	A
0532953627	A	A	Credit	Legal Documents	Active	B	B	B	B
0268459998	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0268459998	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0268459998	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0268459998	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0401987927	A	A
0804083355	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0804083355	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0864858405	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0864858405	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0100949224	A	A
0850150329	A	A
0316023138	C	B	Compliance	Finance Charge Tolerance	Satisfied	C	B	C	B
0296538185	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	A	B	A
0296538185	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0403270653	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0403270653	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0403270653	A	A	Credit	DTI	Active	B	B	B	B
0841468619	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0410491377	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0410491377	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0207936843	A	A
0560535952	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0482575337	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0482575337	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0482575337	D	B	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0768971662	D	B	Compliance	Documentation	Satisfied	D	A	D	A
0768971662	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0768971662	D	B	Credit	Terms/Guidelines	Active	C	B	C	B
0341377262	C	B	Compliance	Right of Rescission	Satisfied	C	B	C	B
0318454281	A	A
0831939988	A	A
0658303941	D	A	Compliance	State Consumer Protection	Satisfied	D	A	D	A
0627253037	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0549888506	B	B	Compliance	Right of Rescission	Active	B	B	B	B
0173045918	A	A
0353041815	A	A
0757546012	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0617931850	A	A
0264969075	A	A
0368390685	D	B	Compliance	Right of Rescission	Satisfied	D	A	D	A
0368390685	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0368390685	D	B	Property Valuations	Appraisal	Satisfied	D	A	D	A
0834531294	A	A
0663428205	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0663428205	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0663428205	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0663428205	D	B	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0663428205	D	B	Credit	DTI	Active	B	B	B	B
0091618772	B	B	Compliance	RESPA	Active	B	B	B	B
0091618772	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0091618772	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0470510698	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0470510698	A	A	Property Valuations	Value	Satisfied	C	A	C	A
0505661185	A	A
0790925236	A	A
0831742939	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0831742939	C	A	Property Valuations	Value	Satisfied	C	A	C	A
0581075467	B	B	Compliance	Right of Rescission	Active	B	B	B	B
0249769406	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0137336864	A	A
0017125999	A	A
0717406474	B	B	Compliance	Right of Rescission	Active	B	B	B	B
0636552460	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0442954178	A	A
0999103751	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0999103751	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0999103751	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0999103751	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0090892025	C	B	Compliance	Right of Rescission	Active	B	B	B	B
0090892025	C	B	Compliance	Right of Rescission	Satisfied	C	A	C	A
0090892025	C	B	Compliance	Right of Rescission	Satisfied	C	A	C	A
0480694729	B	B	Compliance	Right of Rescission	Active	B	B	B	B
0054379439	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0650760614	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0558552479	B	B	Compliance	Right of Rescission	Active	B	B	B	B
0558552479	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0615216745	A	A
0969540472	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0435920438	B	B	Compliance	Right of Rescission	Active	B	B	B	B
0232235806	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0817191353	A	A
0559177597	A	A
0289510648	C	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0289510648	C	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0289510648	C	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0289510648	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0289510648	C	B	Credit	Terms/Guidelines	Satisfied	C	A	C	A
0450726039	A	A
0258714939	C	A	Compliance	Right of Rescission	Satisfied	C	A	C	A
0258714939	C	A	Property Valuations	FEMA	Active	B	B	B	B
0250548693	A	A
0171061835	D	A	Compliance	Documentation	Satisfied	D	A	D	A
0729022797	A	A
0337422317	A	A	Credit	Terms/Guidelines	Active	B	B	B	B
0051094872	A	A
0845100918	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0845100918	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0342155449	B	B	Compliance	Right of Rescission	Active	B	B	B	B
0342155449	B	B	Credit	Terms/Guidelines	Active	C	B	C	B
0063192927	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0063192927	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0390562360	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0390562360	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0390562360	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0390562360	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0390562360	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0240659592	B	B	Compliance	RESPA	Active	B	B	B	B
0240659592	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0240659592	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0514673504	A	A
0226574930	A	A
0209095290	A	A
0403566133	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0403566133	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0466520950	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0164581982	B	B	Compliance	Right of Rescission	Active	B	B	B	B
0245862531	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0245862531	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0329094540	A	A
0115444143	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0115444143	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0115444143	D	A	Credit	DTI	Active	B	B	B	B
0078936277	B	B	Compliance	Borrower's Interest	Active	B	B	B	B
0464946580	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0464946580	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0787874378	A	A
0749872960	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0800793629	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0244418964	A	A
0537119098	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0047212998	A	A
0574495436	B	B	Compliance	RESPA	Active	B	B	B	B
0384786138	A	A
0091508207	A	A
0167463397	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0723630152	A	A
0035185220	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0035185220	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0035185220	D	A	Credit	Income/Employment	Satisfied	D	A	D	A
0880824314	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0880824314	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0880824314	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0880824314	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0880824314	D	B	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0880824314	D	B	Credit	Assets	Active	B	B	B	B
0880824314	D	B	Credit	Income/Employment	Satisfied	D	A	D	A
0332545785	D	A	Compliance	Documentation	Satisfied	D	A	D	A
0332545785	D	A	Compliance	RESPA	Satisfied	B	A	B	A
0332545785	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0332545785	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0332545785	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	A	B	A
0332545785	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0707724360	A	A
0231397221	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0231397221	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0513837122	A	A
0516400659	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0583613742	A	A
0744968800	A	A
0739184622	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0147781271	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	B	B	B	B
0874861426	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0874861426	C	B	Property Valuations	Value	Satisfied	C	A	C	A
0758125974	A	A
0355973759	A	A
0277997495	A	A
0558392377	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0618494993	A	A
0857508060	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0153317789	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0153317789	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0153317789	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0153317789	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0421376891	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0140539176	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0389716084	A	A	Credit	Assets	Active	B	B	B	B
0389716084	A	A	Credit	Credit/Mtg History	Active	B	B	B	B
0498812963	C	B	Compliance	Finance Charge Tolerance	Satisfied	C	A	C	A
0498812963	C	B	Compliance	Finance Charge Tolerance	Satisfied	C	A	C	A
0498812963	C	B	Compliance	TILA/RESPA Integrated Disclosure	Active	B	B	B	B
0116856370	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0571066766	A	A
0211948619	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0211948619	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0147394809	A	A
0606642899	A	A	Property Valuations	Appraisal	Satisfied	D	A	D	A
0548724404	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0548724404	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0548724404	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0548724404	D	A	Credit	Credit/Mtg History	Satisfied	D	A	D	A
0619275126	D	A	Compliance	State Consumer Protection	Satisfied	D	A	D	A
0954104756	A	A
0403291873	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0745414532	A	A
0695026985	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0756089081	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0756089081	C	A	Credit	Assets	Active	B	B	B	B
0564154473	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0564154473	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0483475198	C	B	Compliance	Finance Charge Tolerance	Satisfied	C	B	C	B
0525474897	A	A
0580536555	A	A
0685487404	A	A
0259417368	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0411974818	A	A
0457479020	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0241121602	A	A
0483735375	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0483735375	A	A	Credit	Legal Documents	Satisfied	D	A	D	A
0296356249	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0638012082	A	A
0678678413	A	A
0543810165	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0543810165	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0542874819	A	A
0156781550	A	A
0246391501	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0246391501	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0578129438	A	A
0228816176	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0228816176	A	A	Property Valuations	Value	Satisfied	C	A	C	A
0062146444	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0062146444	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0062146444	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0062146444	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0062146444	D	A	Property Valuations	Value	Satisfied	C	A	C	A
0140285578	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0140285578	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0400335687	A	A
0935418209	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0935418209	D	A	Credit	Legal Documents	Satisfied	D	A	D	A
0788298237	A	A
0979071454	C	A	Compliance	Finance Charge Tolerance	Satisfied	C	A	C	A
0979071454	C	A	Compliance	Finance Charge Tolerance	Satisfied	C	A	C	A
0979071454	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0194176130	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0984676984	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0984676984	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0757541466	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0757541466	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0045246453	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0045246453	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0770245381	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0681612097	D	A	Compliance	State Consumer Protection	Satisfied	D	A	D	A
0681612097	D	A	Credit	Credit/Mtg History	Active	B	B	B	B
0639044846	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0549627563	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0549627563	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	D	A	D	A
0993061564	A	A
0309246636	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0309246636	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0309246636	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0091931913	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	B	C	B
0735993360	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0735993360	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0735993360	D	A	Property Valuations	Value	Satisfied	C	A	C	A
0479438120	A	A
0535802940	A	A
0150978513	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0150978513	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0150978513	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0150978513	D	A	Credit	Ability to Repay/Qualified Mortgage	Active	B	B	B	B
0150978513	D	A	Credit	DTI	Satisfied	B	A	B	A
0452203312	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied	D	A	D	A
0452203312	D	A	Credit	Legal Documents	Satisfied	D	A	D	A
0253477570	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	C	A	C	A
0118109664	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A
0014449205	A	A
0520115742	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied	A	A	A	A

Alt Loan Number	Condition Code	Condition Description	Condition Material Indicator	Initial Comments	Client/Seller Response Comments	Conclusion Comments	TRID Error Type	Cure Method	Compensating Factors
0058093967	CMPFDCP3206	NMLS License verification found Loan Originator Name does not match ID	No	The loan officers name on the Note, Mortgage, and the 1003 is XXX. The NMLS database verified the loan officers name as XXX. The Reg-Z requirement is for the Originators name to match the NMLS website exactly.	5.18.17 - Client provided exception approval to accept NMLS name variation.	5.18.17 Non-material exception.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 16 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The lowest midpoint credit score of 792 exceed guideline requirements of 680 by 112 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 23 months of reserves after closing.
0058093967	CMPTRID3732	TRID - Error #3 discovered on Closing Disclosure	No	Refers to all CDs: Closing Information is missing Settlement Agent's full name and/or addendum to CD that reflects company name in its entirety. Non-Numeric Clerical ErrorCan be downgraded LV 1 and satisfied with client consent to Legacy TILA Cure 130(B), corrected post close CD, LOX, and verification sent to borrower.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 16 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The lowest midpoint credit score of 792 exceed guideline requirements of 680 by 112 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 23 months of reserves after closing.
0058093967	CRDATRQM3122	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination.	No	ATR/QM does not match Lender's status determination of XXX due to final DTI of 44.57%; Review final income calculation of $7,500 monthly; lender included projected bonus income of $530.42 monthly, per Employment Offer Letter; no documentation was provided to support 2 year history of bonus income being received.	5.24.17 Client rebuttal Loan was approved with final DTI of 41.407% using projected bonus income of $530.42 monthly. Total income used in qualifying $7,500 + 530.42 = $8,030.42 monthly. Per non-conforming underwriting guidelines, periods of bonus income less than two years may be acceptable, provided the decisioner can justify and document in writing  the reason for using the income for qualifying purposes and there is probability of continued receipt. Borrower accepted a new job wit XXX in 2016. Acceptance letter confirms start date of XXX, salary $90k ($7,500 monthly) and eligible for a 15% annual bonus ($13,500). Borrower has been in the same of line of work for 16 years and provided annual compensation statement to support bonus income from previous employer for previous year of $6,365/12 = $530.42 monthly.  However, borrower does not have 2 year history, borrower did not receive bonus from current employer in 2016. Bonus income excluded. Exception remains6.15.17 Client provided updated supplement showing loan as Non QM	6.15.17 Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 16 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The lowest midpoint credit score of 792 exceed guideline requirements of 680 by 112 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 23 months of reserves after closing.
0058093967	CRDDTI105	Debt Ratio Exception 5% or Less	No	Debt ratio exception 5% or less; final DTI of 44.57%; lender DTI of 41.41%; Review final income calculation of $7,500 monthly; lender included projected bonus income of $530.42 monthly, per Employment Offer Letter; no documentation was provided to support 2 year history of bonus income being received; income not considered.	5.24.17 Client rebuttal Loan was approved with final DTI of 41.407% using projected bonus income of $530.42 monthly. Total income used in qualifying $7,500 + 530.42 = $8,030.42 monthly. Per non-conforming underwriting guidelines, periods of bonus income less than two years may be acceptable, provided the decisioner can justify and document in writing  the reason for using the income for qualifying purposes and there is probability of continued receipt. Borrower accepted a new job with XXX in 2016. Acceptance letter confirms start date of XXX, salary $90k ($7,500 monthly) and eligible for a 15% annual bonus ($13,500). Borrower has been in the same of line of work for 16 years and provided annual compensation statement to support bonus income from previous employer for previous year of $6,365/12 = $530.42 monthly.  However, borrower does not have 2 year history, borrower did not receive bonus from current employer in 2016. Bonus income excluded. Exception remains.	5.24.17 Exception remains.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 16 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The lowest midpoint credit score of 792 exceed guideline requirements of 680 by 112 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 23 months of reserves after closing.
0460266286	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1) Missing Profit and Loss statement for XXX.  File contained completed 2016 1040 Sch C (2016 1040 is incomplete, missing all pages).2) Missing Balance Sheet for XXX	5.3.17 Lender provided a copy of the schedule-C this is already in file. What we need is a copy of the P&L statement and Balance sheet. Even if the customer does not carry inventory the balance sheet should be provided and reflect 0. 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  778 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.45% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer for 10.19 years.
0460266286	CMPTRID3734	TRID - Initial CD resets fee tolerance but was delivered, instead of a revised LE, more than 6 business days prior to consummation (Black Hole Issue).	No	Credit Report Fee increase from LE XXX to Initial CD XXX	5.24.17 Client rebuttal Disagree with investor. The Credit Report Fee increased on XXX in the amount of $75.82 without a valid Change Circumstance; however, the increase was covered by the $75.82 Over Tolerance Cure located in Section J of the consummation CD. However, while the amount of the tolerance credit matches the credit report fee, there is no documentation that shows that the credits be applied to APR fees. 5.25.17 - CD does indicate the $75.82 credit is for increase in closing costs above legal limit which is acceptable.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  778 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.45% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer for 10.19 years.
0460266286	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  778 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.45% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer for 10.19 years.
0460266286	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers	No	Missing Profit and Loss statement for XXX.  File contained completed 2016 1040 Sch C (2016 1040 is incomplete, missing all pages).	05.03.17 Lender provided a copy of the schedule-C this is already in file. What we need is a copy of the P&L statement and Balance sheet. Even if the customer does not carry inventory the balance sheet should be provided and reflect 0.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  778 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.45% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer for 10.19 years.
0460266286	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing Balance Sheet XXX	05.03.17 Lender provided a copy of the schedule-C this is already in file. What we need is a copy of the P&L statement and Balance sheet. Even if the customer does not carry inventory the balance sheet should be provided and reflect 0.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  778 credit score; minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.45% DTI is below the maximum allowed DTI of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer for 10.19 years.
0345524951	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	Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing all pages of 2016 and 2015 1040 personal tax returns. Only 2 pages of 2016 1040 provided and line 17 shows negative income. All pages of 1040 needed as well as any applicable k-1's and business returns.	7.10.17 Client rebuttal states 2015 and 2016 personal tax returns were not required. Borrower's hold no ownership from the employment income used to qualify. K-1's and business returns not applicable. Borrower provided first 2 pages of 2016 1040's to source a large deposit (IRS refund) from a bank statement. However, including the negative income of $13,405 from line 17 of 2016 1040's, the monthly income used to qualify would change from $35,083.36 to $33,966.28 with acceptable ratios of 11.48 / 19.50. This income loss would not negatively impact Ability to Repay/QM. However, Line 17 of the 1040's show a loss. Per guidelines, when there is a business loss, additional documentation about the business income is needed to fully evaluate the impact of the business loss. If loss is from rental real estate, complete 1040's would be acceptable. Exception remains for complete personal and applicable business returns.7.20.17 - Lender agreed the loan does not meet QM XXX and changed their determination to Non-QM that matches Clayton determination.	7.20.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 57.14% is below the maximum 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $88,254.88 or 22.63 months PITI reserves. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 34.67 years.  Co-Borrower has been in the same profession for 31 years.
0345524951	CRDINC3204	Income Documentation Missing	No	Missing all pages of 2016 and 2015 1040 personal tax returns. Only 2 pages of 2016 1040 provided and line 17 shows negative income. Provide all pages of 2015 and 2016 1040's as well as any applicable business tax returns	7.10.17 Client rebuttal states 2015 and 2016 personal tax returns were not required. Borrower's hold no ownership from the employment income used to qualify. K-1's and business returns not applicable. Borrower provided first 2 pages of 2016 1040's to source a large deposit (IRS refund) from a bank statement. However, including the negative income of $13,405 from line 17 of 2016 1040's, the monthly income used to qualify would change from $35,083.36 to $33,966.28 with acceptable ratios of 11.48 / 19.50. This income loss would not negatively impact Ability to Repay/QM. However, Line 17 of the 1040's show a loss. Per guidelines, when there is a business loss, additional documentation about the business income is needed to fully evaluate the impact of the business loss. Exception remains for complete personal and applicable business returns. If loss is from real estate rental, complete 1040's including schedule E would be acceptable.	7.20.17 - Upon further review by Sr. UW, the loss was factored into ratios and loan qualifies so detail on loss is immaterial.  Graded B.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 57.14% is below the maximum 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $88,254.88 or 22.63 months PITI reserves. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 34.67 years.  Co-Borrower has been in the same profession for 31 years.
0905082850	CMPATRQM2906	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors	No	Provide missing income doucmentation	6.1.17 Lender provided the necessary documentation	6.1.17 Exception Satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1) Missing Balance sheet and P & L for Sched C:  XXX2)Missing K-1's for 14 partnerships : Lender's U/W indicated in the U/W decision (Employment/Income Comments) that borrower has less than 2% interest in those 14 partnerships. 3) Missing rental calculations	6.15.17 Client provided update of QM status to non QM	6.15.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CMPDOC2514	Mortgage/Deed of Trust has not been recorded and/or sent for recording	No	Copy of Mortgage Document provided is unsigned; no evidence indicating it was executed and sent for recording.	6.1.17 Lender provided the necessary documentation	6.1.17 Exception Satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CMPDOC2518	The note, mortgage, and/or other legal documents do not accurately reflect the agreed upon loan terms	No	The note, mortgage, and/or other legal documents do not accurately reflect the agreed upon loan terms. once received input will then need to be comppleted	6.1.17 Lender provided the necessary documentation	6.1.17 Exception Satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CMPDOC869	Mortgage not signed	No	Provide copy of Mortgage signed by borrowers	6.1.17 Lender provided the necessary documentation	6.1.17 Exception Satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CMPDOC806	Notary Status is missing	No	Missing notary signature.	6.1.17 Lender provided the necessary documentation	6.1.17 Exception Satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CRDATRQM3122	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination.	No	need updated and missing documents to complete proper input	6.1.17 - Required documents provided and as required.	6.1.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CRDAPP157	Application Not Signed by Primary Borrower	No	Initial & Final Application not signed.	6.1.17 Lender provided executed Initial & Final applications	6.1.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CRDAST3078	Insufficient # of months cash reserves for PITI per guideline requirements	No	Please provide 2 months asset statements.	Lender provided 2 months asset statements.  The 2 month assets statements satisfies funds to close and required reserves for all 4 financed properties	6.1.17 Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CRDCRMH2662	Number of mortgaged properties exceeds guideline limit	No	6 financed properties - some might fall off with review of personal 1040 tax returns	Lender provided 2014/2015 1040's.  The 1040's provided by lender show 4 financed properties meeting maximum allowed of 4	6.1.17 Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CRDINC3204	Income Documentation Missing	No	Missing K-1's for 14 partnerships : Lender's U/W indicated in the U/W decision (Employment/Income Comments)that borrower has less than 2% interest in those 14 partnerships.Missing rental calculations	6.14.19 - Clayton has reviewed and considers non-material based on reserves of $1,545,696 and low LTV of 55%.	6.14.19 - Exception remains.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CRDINC2302	Missing Required Income Documentation	No	The following documentation must be used to document rental income if rental income is used to qualify: Prior two years complete and filed signed federal individual tax return, including Schedule E. When the property has been owned less than 12 months and is not reflected on the borrower's most recent, filed federal individual tax returns, copies of the present signed leases may be used only if the borrower has a two-year history of property management experience as evidenced by the most current two years' filed and signed federal IRS 1040 tax returns and current lease agreement	Lender provided borrower's personal 1040's for 2014/15.	6.1.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers	No	Missing Profit and Loss for Sched C: XXX	6.14.19 - Clayton has reviewed and per lender guides the underwriter can waive the profit and loss requirement.	6.14.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing Balance sheet for Sched C:  XXX	6.14.19 - Clayton has reviewed and per lender guides the underwriter can waive the balance sheet requirement.	6.14.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CRDINSR848	Missing Hazard Insurance	No	provide hazard insurance binder for subject property	6.1.17 Lender provided Declaration page of the HOI.	6.1.17 Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CRDLGL2277	Note Not Executed	No	Provide copies of signed Note	6.1.17 - Lender provided executed note.	6.1.17 Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	CRDLGL988	Loan File is Missing or Contains Insufficient Documentation for Basic Review	No	The following documentation must be used to document rental income if rental income is used to qualify: Prior two years complete and filed signed federal individual tax return, including Schedule E. When the property has been owned less than 12 months and is not reflected on the borrower's most recent, filed federal individual tax returns, copies of the present signed leases may be used only if the borrower has a two-year history of property management experience as evidenced by the most current two years' filed and signed federal IRS 1040 tax returns and current lease agreement	6.1.17 Lender provided the necessary documentation	6.1.17 Exception Satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	Provide updated appraisal covering most recent disaster	5.25.17 Post Disaster Inspection confirm no damages to property.	5.25.17 Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves in excess of 154k. CFCFS2860: Good credit history - Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0766781850	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Provide the following Income documentation : 1) Current Bi-Weekly Pay Stubs, most current provided dated 11/19/16 2) 2 most recent years W-2's 3) Current WVOE to reflect base and Bonus income and verify bonus is likely to continue. 4) Provide Real Estate Tax and Hazard Insurance documentation for the XXX properties. 5) Provide a Written Verification of Employment to verify the base and Bonus income and verify bonus is likely to continue. 5.26.17: based on lender qualifying borrower as XXX the following documents are needed. 2 most recent years business tax returns for XXX, the source of the borrowers w-2, original file contains business return for a closed subsidiary of XXX but not for XXX itself. P&L and Balance sheet also required if 2016 business return is not available. i	5.9.17: Lender provided 2 years w2's. Items 1, 3, 4 and 5 are still active. 5.23.17 - 5/9/17: Lender provided 2 years w2's. Items 1,3, 4 - Hazard Insurance only and 5 are still active.5.22.17 - Lender provided a rebuttal indicating they disagree.  Lender's rebuttal: "1- See Underwriter Decision Summary, pages 1-2 (attached) for employment/income analysis. An acceptable bi-weekly pay stub, check date 11/25/16 attached.  3- Re-verification of XXX 5.26.17:Lender provided most recent bi-weekly pay stub, however exception remains for WVOE with breakdown of bonus income.	5.23.17 - Exception remains.5.26.17 - Exception remains.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 31 years 6 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score of 735 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 5.99% is below Program Guidelines of 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at the current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 35 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 71 months PITI reserves; guidelines require 12 months
0766781850	CRDAST2354	Asset Verification In File is Incomplete Per Requirements	No	Provide 1/31/17 XXX Portfolio Bank Statement. 2/28/2017 is in the file. 60 day transaction history required.	5/9/17: Lender provided appropriate bank statements.	5/9/17: Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 31 years 6 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score of 735 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 5.99% is below Program Guidelines of 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at the current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 35 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 71 months PITI reserves; guidelines require 12 months
0766781850	CRDCRMH148	Credit report stale dated at closing	No	Provide updated Credit Report. Credit report in file dated XXX, greater than 120 days from Note date XXX. Credit Report is stale dated by 32 days. File contains page 9 of 9 of a credit report dated XXX. Need all pages.	5/09/2017 - Lender provided the credit report dated XXX with all pages.	5/09/2017 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 31 years 6 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score of 735 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 5.99% is below Program Guidelines of 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at the current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 35 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 71 months PITI reserves; guidelines require 12 months
0766781850	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Provide Real Estate Tax and Hazard Insurance documentation for the XXX	5.23.2017 - Lender provided the Taxes for the  XXX properties. However, the hazard insurance is still outstanding.	5.23.2017 - Exception remains.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 31 years 6 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score of 735 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 5.99% is below Program Guidelines of 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at the current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 35 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 71 months PITI reserves; guidelines require 12 months
0766781850	CRDINC2488	Verbal verification of employment missing	No	Provide a verbal verification of employment dated within 20 days of note date	05.23.17 Lender provided a copy of the screenshot of XXX dated XXX within 20 business days of note.	05.23.17 Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 31 years 6 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score of 735 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 5.99% is below Program Guidelines of 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at the current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 35 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 71 months PITI reserves; guidelines require 12 months
0766781850	CRDINC3204	Income Documentation Missing	No	Provide the following Income documentation :1) Current Bi-Weekly Pay Stubs, most current provided dated 11/19/162) 2 most recent years W-2's3) Current WVOE to reflect base and Bonus income.	5/9/17: Lender provided 2 years w2's. Items 1 an 3 are still active.5.23.2017 - Lender provided the Current Bi-Weekly Pay Stubs, most current provided dated 11/19/16. However the WVOE to reflect base and bonus income is still outstanding.6.14.19 - Clayton has reviewed and bonus validated using W2's and current paystubs therefore WVOE not necessary.	5.23.2017 - Exception remains.6.14.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 31 years 6 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score of 735 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 5.99% is below Program Guidelines of 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at the current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 35 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 71 months PITI reserves; guidelines require 12 months
0766781850	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	Provide post disaster inspection as a result of the FEMA disaster dated XXX.	5.9.17  Post Disaster Inspection provided reflecting no damage.	5.9.17  Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 31 years 6 months at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score of 735 exceeds Program Guidelines of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 5.99% is below Program Guidelines of 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at the current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 35 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 71 months PITI reserves; guidelines require 12 months
0716875694	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing 2016 W2 for borrower 1 current employer as required by guidelines.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.80% DTI below guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  20.47 verified cash reserves exceed guidelines.
0716875694	CRDAPP2658	Missing 3rd-party anti-fraud report	No	Missing the anti fraud report	5.30.17 lender provided anti fraud report	5.30.17 exception satisfied	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.80% DTI below guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  20.47 verified cash reserves exceed guidelines.
0716875694	CRDINC2408	Income verification does not meet guidelines	No	Missing 2016 W2 for borrower 1 current employer as required by guidelines.	5.30.17 lender response Unable to locate 2016 W2. Paystub through October of 2016 and updated paystubs in 2017 located. Missing the last 2 months of income in 2016.6.14.19 - Clayton has reviewed and considers non-material based on compensating factors of low DTI at 35.8% and qualifying credit score of 784.	5.30.17 Exception remains for 2016 W2 for B16.14.19 - Exception remains.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.80% DTI below guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  20.47 verified cash reserves exceed guidelines.
0937384502	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing documentation to complete the ATR/QM status determination review: 1.  Current YTD balance sheets for the following entities (income utilized in DTI); appendix Q looks for the most recent quarterly statement within 30 days of application date: - XXX- Missing both borrower's signatures and date on the 2015 and 2014 1040 tax returns. 2. Missing co-borrower's signature on the 2015 and 2014 1120S tax returns for XXX	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers owned subject property 14.98 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 16.98 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower XXX in same business 16.98 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 46.85%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 718 is 38 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  92.64 months PITI reserves.  18 months PITI required.
0937384502	CMPTRID3670	TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation	No	0% tolerance fee increased between LE XXX and CD XXX by $411.00. A second Appraisal Fee was added without valid documentation. Lender included a credit of $411 on the same CD.	(No Data)	4/24/2017: exception satisfied as non-material since the tolerance error was corrected on same CD.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers owned subject property 14.98 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 16.98 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower XXX in same business 16.98 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 46.85%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 718 is 38 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  92.64 months PITI reserves.  18 months PITI required.
0937384502	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	The Closing Costs Financed value of $17,516.22 on the Calculating Cash to Close table of CD: XXX does not match the Clayton calculation of $16,817.34. The CD value does not reflect the Closing Costs Paid Before Closing value subtracted out.	5.5.17 - Lender provided rebuttal they disagree however the correct Closing Costs Financed is $16,817.34.5.8.17 Client approved exception for closing cost financed difference from $17,516.34 versus review value of $16,817.34	Final Grade B.	Numeric	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers owned subject property 14.98 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 16.98 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower XXX in same business 16.98 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 46.85%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 718 is 38 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  92.64 months PITI reserves.  18 months PITI required.
0937384502	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing current YTD balance sheets for the following entities (income utilized in DTI): - XXX	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.   Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers owned subject property 14.98 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 16.98 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower XXX in same business 16.98 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 46.85%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 718 is 38 points above the minimum required of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  92.64 months PITI reserves.  18 months PITI required.
0478365775	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing YTD P&L and balance sheet.	05.11.17 Lender provided a copy of the P&L. The balance sheet remains outstanding.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines is 680; Borrowers Representative Credit Score is 753. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10.81 years.
0478365775	CMPFDCP3206	NMLS License verification found Loan Originator Name does not match ID	No	NMLS: XXX;  Other Names  More Info:  XXX	5.18.17 - Client provided exception approval to accept NMLS name variation.	5.18.17  Non-material exception.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines is 680; Borrowers Representative Credit Score is 753. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10.81 years.
0478365775	CRDCRMH193	Length of mortgage/rental history in file does not meet guideline requirement	No	Missing Mortgage History from the exiting Property; the Mortgage does not appear on the credit report.  The Borrower does have positive Mortgage History from other Real Estate Owned that has a 0X30 on the Credit Report.	05.11.17 Lender provided a copy of the XXX statement showing the next payment due, however, this statement cannot serve as a VOM in the absence of the mtg on the cbr.	05.11.17 Exception remains.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines is 680; Borrowers Representative Credit Score is 753. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10.81 years.
0478365775	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers	No	A year-to-date profit and loss (P&L) for 2016 statement is required if more than four months have lapsed since the last fiscal year end.	05.11.17 Lender provided a copy of a year-to-date profit and loss (P&L) for 2016.	05.11.17 Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines is 680; Borrowers Representative Credit Score is 753. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10.81 years.
0478365775	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	A year-to-date balance sheet is required if more than four months have lapsed since the last fiscal year end.	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines is 680; Borrowers Representative Credit Score is 753. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10.81 years.
0844239670	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing a copy of 2016 YTD P&L Statement XXX2. Missing a copy of the 2016 balance sheet for XXX	5.25.17 - Lender provided P&L & Balance Sheet for XXX which is a different company than XXX	5.25.17 - Exceptions remain.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned current residence for over 7yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has owned current business for over 22yrs. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for 30yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 7.86%, maximum per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 63.218%, maximum per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying mid-score is 782, minimum score required is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has over 120 months PITI reserves available.
0844239670	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file	No	The homeowners counseling list is not in file.	5.15.17- HOC provided	5.15.17- Exception Satisfied	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned current residence for over 7yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has owned current business for over 22yrs. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for 30yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 7.86%, maximum per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 63.218%, maximum per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying mid-score is 782, minimum score required is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has over 120 months PITI reserves available.
0844239670	CMPTRID3476	TRID - Written List of Providers not provided or untimely	No	Written List of Service  Providers not in file.	5.15.17- SPL Provided	5.15.17- Exception Satisfied	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned current residence for over 7yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has owned current business for over 22yrs. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for 30yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 7.86%, maximum per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 63.218%, maximum per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying mid-score is 782, minimum score required is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has over 120 months PITI reserves available.
0844239670	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned current residence for over 7yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has owned current business for over 22yrs. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for 30yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 7.86%, maximum per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 63.218%, maximum per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying mid-score is 782, minimum score required is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has over 120 months PITI reserves available.
0844239670	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers	No	Missing a copy of 2016 YTD P&L Statement for XXX	5.25.17 - Lender provided P&L & Balance Sheet for XXX which is a different company than XXX6.14.19 - Clayton has reviewed and lender guides allow underwriter to waive Profit and Loss statements.	5.25.17 - Exception remains.6.14.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned current residence for over 7yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has owned current business for over 22yrs. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for 30yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 7.86%, maximum per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 63.218%, maximum per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying mid-score is 782, minimum score required is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has over 120 months PITI reserves available.
0844239670	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing a copy of the 2016 balance sheet XXX	5.25.17 - Lender provided P&L & Balance Sheet for XXX which is a different company than XXX	5.25.17 - Exception remains.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned current residence for over 7yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has owned current business for over 22yrs. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for 30yrs. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 7.86%, maximum per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 63.218%, maximum per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying mid-score is 782, minimum score required is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has over 120 months PITI reserves available.
0720118077	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing documentation to complete the ATR/QM status determination review:- Borrower's signature/date on the 2015/2014 1040 tax returns.- Borrower's signature on the 1120S 2015/2014 tax returns.	5.22.17 Lender provided signed CPA Letter.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy. Signed returns, P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX in same business 18.49 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 810 is 90 points above Client guideline minimum of 720 for cash out refinances. CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.26% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves are 39.19 months PITI; Client guideline minimum required is 12 months.
0720118077	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) $12,251 which does not equate to the amount based on the Reg's formula of 502500-418188.58-72563.37= $11,748.05	5.5.17 - Lender provided a rebuttal indicating they disagree.  Lender's rebuttal:"Disagree with investor.  The XXX Compliance Team does not validate the accuracy of the Closing Costs Financed (Paid from your Loan Amount) figure in the Calculating Cash to Close Table.  However, per CFPB Guide to loan estimate and closing disclosure forms, Closing Costs Financed (Paid from your Loan Amount) is the sum of the amounts in the Final column of the Loan Amount and Total Payoffs and Payments. However, the amount is disclosed only if the sum is greater than zero and no larger than the Total Closing Costs (deducting the amount in the Final column of Closing Costs Paid Before Closing). ( 1026.38(e)(6)).  For this loan, the Closing Costs Financed (Paid from your Loan Amount) figure of $XXX (the Total Closing Costs) disclosed on the Final CD dated XXX is accurate because the Cash to Close to the borrower of $1,668.82 exceeds the Closing Costs Paid Before Closing of $695.00.  This is not a testing defect so corrective action is not required."*** Clayton rebuttal:  We used Final CD from XXX that was wet signed by the borrower.  $12,251.00 (closing costs) - $502.95 (paid before closing) = $11,748.50 in closing costs financed.	5.5.17 - Exception remains.	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX in same business 18.49 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 810 is 90 points above Client guideline minimum of 720 for cash out refinances. CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.26% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves are 39.19 months PITI; Client guideline minimum required is 12 months.
0720118077	CRDAPP157	Application Not Signed by Primary Borrower	No	Missing borrower's signature on the final 1003 and missing initial 1003 from XXX	5/04/2017 -  Lender provide the Borrower Signature on the Final 1003/3-27-17 and the 2/2/2017 1003.	5/04/2017 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX in same business 18.49 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 810 is 90 points above Client guideline minimum of 720 for cash out refinances. CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.26% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves are 39.19 months PITI; Client guideline minimum required is 12 months.
0720118077	CRDINC150	Income docs do not meet guidelines	No	1) Missing borrower's signature on the 2015/2014 1040 tax returns, and the 1120S 2015/2014 tax returns, required per guidelines.2) Missing borrower's signature on the EOY 2016 P&L statement and Balance sheet, required per guidelines when > 4 months has elapsed since the last tax filing (2015).	5.22.17 Lender provided signed CPA Letter.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy. Signed returns, P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX in same business 18.49 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 810 is 90 points above Client guideline minimum of 720 for cash out refinances. CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.26% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves are 39.19 months PITI; Client guideline minimum required is 12 months.
0720118077	CRDLTV3026	LTV Exceeds Guideline Requirement by at least 5%, but less than 10%	No	LTV of 75% exceeds guideline maximum of 70% for cash out refinance/primary residence.  Exception request in file for LTV variance up to 80%.  Comp Factors cited on exception:  810 FICO, lowering fixed rate 0.125%, long term employment (over 18 years), reserves of 33 months, mortgage history over 10 years with bank, 35% DTI versus 40% maximum.	5.4.17 Client rebuttal stating exception approved at the higher LTV, however exception remains as no cure for the LTV exception was provided	5.4.17 Exception remains.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX in same business 18.49 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 810 is 90 points above Client guideline minimum of 720 for cash out refinances. CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.26% DTI is below the maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves are 39.19 months PITI; Client guideline minimum required is 12 months.
0215673379	CMPFDCP3206	NMLS License verification found Loan Originator Name does not match ID	No	NMLS #XXX per1003 does not match NMLS listing shown as XXX	5.18.17 - Client provided exception approval to accept NMLS name variation.	5.18.17  Non-material exception.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 19.39 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been XXX for 20.20 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned and resided in primary residence for 7 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x36; guidelines require 12 months.
0215673379	CMPSLC1127	Late Charge percentage exceeds regulatory limits	No	Late charge of 5% exceeds max allowed for New York properties of 2%.	5.10.17 - Data entry issue and now corrected.	5.10.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 19.39 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been XXX for 20.20 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned and resided in primary residence for 7 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x36; guidelines require 12 months.
0215673379	CRDATRQM3122	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination.	No	Due to DTI of 47.43%.  Lender did not calculate the subject HOA dues of $847 in the DTI.	5.24.17 Lender states Final DTI < 43%. Lender only calculated monthly HOA in the amount of $580 (vs $847) in the subject PITIA payment. The full monthly PITIA payment for the subject property is $4,535.25 + $7,656.99 (liabilities) = $12,192.24 / $29,520 = 41.30 DTI.  However per appraisal dated 1.9.17  HOA fee is $847. 6.15.2017 Client provided updated status as Non QM loan	6.15.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 19.39 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been XXX for 20.20 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned and resided in primary residence for 7 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x36; guidelines require 12 months.
0215673379	CRDDTI105	Debt Ratio Exception 5% or Less	No	DTI is 47.43%; guidelines allow 43% (to meet XXX).  Lender did not calculate in the HOA monthly amount of $847 for subject property.	5.24.17 Lender states Final DTI < 43%. Lender only calculated monthly HOA in the amount of $580 (vs $847) in the subject PITIA payment. The full monthly PITIA payment for the subject property is $4,535.25 + $7,656.99 (liabilities) = $12,192.24 / $29,520 = 41.30 DTI.  However per appraisal dated 1.9.17  HOA fee is $847.	5.24.17 Exception remains	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 19.39 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been XXX for 20.20 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned and resided in primary residence for 7 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x36; guidelines require 12 months.
0215673379	PRVAPROP177	Property Issues Indicated	No	Subject condominium project has XXX units sold out of XXX; 31.225%.  Guidelines require at least 70% of units to be sold.	5.19.17 Lender provided final condo project acceptance dated XXX	5.19.17 Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 19.39 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been XXX for 20.20 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned and resided in primary residence for 7 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x36; guidelines require 12 months.
0813172404	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1) Missing 2016 Year End Profit and Loss Statement for XXX) Missing 2016 Year End Balance Sheet for XXX	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 28 years at current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 5 years
0813172404	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 28 years at current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 5 years
0813172404	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers	No	1) Missing 2016 Year End Profit and Loss Statement for XXX	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 28 years at current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 5 years
0813172404	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	2) Missing 2016 Year End Balance Sheet for XXX	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 28 years at current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 5 years
0813172404	PRVAPROP177	Property Issues Indicated	No	The subject property appears to be a XXX, borrower files Schedule F on tax returns.  Per guidelines this is unacceptable land use.	5.31.17 Client rebuttal Subject property is not a XXX; rural properties with excess acreage are limited to 80% LTV when property has more than 10 acres. LTV is 66.636%. Appraisal quality review was completed and property value at $XXX was supported and collateral deteremined to be acceptable for financing. Appraiser notes that XXX use is not sufficient to produce enough income for highest and best use, and does not exceed 20% of acreage.	5.31.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 28 years at current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 5 years
0813172404	PRVAPROP2556	Acreage exceeds property eligibility guidelines	No	The subject acreage of 48 acres exceeds the guideline maximum of 20% use for XXX use.	5.31.17 Client rebuttal Subject property is not a XXX; rural properties with excess acreage are limited to 80% LTV when property has more than 10 acres. LTV is 66.636%. Appraisal quality review was completed and property value at $XXX was supported and collateral deteremined to be acceptable for financing. Appraiser notes that XXX use is not sufficient to produce enough income for highest and best use, and does not exceed 20% of acreage.	5.31.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 28 years at current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 5 years
0331144799	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing verification of PITI for property located at XXX2. Missing 2016 Year End Balance sheets for both XXX borrowers; Borrower Sched C and Co-Borrower 1120S. 3. Verbal verification of employment missing for both borrower's who are both XXXCo-Borrower;  Partner in XXX ownership interest.	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy. Signed returns,  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been a XXX for the past 24 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers mid score of 758 exceeded the guideline requirement of 740 by 18 points.
0331144799	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	The Closing Costs Financed value of $6422.53 on the Calculating Cash to Close table of CD XXX does not match the Clayton calculation of $5830.65 since the Closing Costs Paid Before Closing value was not subtracted from the Total Closing Cost(J).	05.19.2017 - Lender responded that they disagree and that their Compliance Team does not validate the accuracy of the Closing Costs Financed (Paid from your Loan Amount) figure in the Calculating Cash to Close Table.  Lender stated that per CFPB Guide to loan estimate and closing disclosure forms, Closing Costs Financed (Paid from your Loan Amount) is the sum of the amounts in the Final column of the Loan Amount and Total Payoffs and Payments. However, the amount is disclosed only if the sum is greater than zero and no larger than the Total Closing Costs (deducting the amount in the Final column of Closing Costs Paid Before Closing). ( 1026.38(e)(6)).  For this loan, the Closing Costs Financed (Paid from your Loan Amount) figure of $XXX (the Total Closing Costs) disclosed on the Final CD dated XXX is accurate because the Cash to Close to the borrower of $187,744.44 exceeds the Closing Costs Paid Before Closing of $591.88.  This is not a testing defect so corrective action is not required. Exception remains.  Clayton Compliance reviewed and noted that the regulation is clear on how to determine the amount financed by the loan on the CD.  CFPB rule 1026.38(J)(4)(ii):For purposes of this paragraph (j), closing funds means funds collected and disbursed at real estate closing. If we use the example provided to use by the CFPB documents you will see the amount of Closing Cost is charges not paid with closing funds and should be removed from total of Closing cost due to already being funded. Then the New Closing cost if loan is used to fund then that amount should be disclosed in the Closing Costs Financed (paid from your Loan Amount) not to be less than $0.	5.19.17- Exception remains	Numeric	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been a XXX for the past 24 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers mid score of 758 exceeded the guideline requirement of 740 by 18 points.
0331144799	CMPTRID3670	TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation	No	0% tolerance fees increased between LE XXX and CD XXX by $167.88. The Credit Report fee increased and the Appraisal Fee increased. The lender included a credit of $150 for the increase but it is not sufficient.	05/17/2017 - Lender stated that they agree and that Appraisal fee increased by $150 and Credit Report fee increased by $18 on the initial CD issued XXX  Lender stated that they are unable to validate Appraisal fee increase and a $150 Over Tolerance credit was issued in Section J of the consummation CD issued XXX.  Lender also stated that the Credit Report increase was valid but the increase was disclosed outside of the 3 days from date of knowledge and there was no credit for the increase to this fee in Section J.  Lender stated that borrower would be due a refund of $18 to cure the variance in the 0% category.  Lastly, lender stated that a remediation request sent to CDCR XXX.05/18/2017: Lender provided corrected post close CD, LOX, and copy of refund check for credit report tolerance refund of $18.00. 05/19/2017: Condition remains for Missing proof of delivery.6.2.17 - Lender provided attestation that they mailed via XXX.	6.2.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been a XXX for the past 24 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers mid score of 758 exceeded the guideline requirement of 740 by 18 points.
0331144799	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing verification of PITI for property located at XXX	5.25.17 - Does not meet ATR without PITI verification from some method.5.31.17 Client provided PITI for XXX	5.31.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been a XXX for the past 24 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers mid score of 758 exceeded the guideline requirement of 740 by 18 points.
0331144799	CRDINC2488	Verbal verification of employment missing	No	Verbal verification of employment missing for both borrower's who are both XXX; Borr: XXXCo-Borrower;  Partner in XXX ownership interest.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been a XXX for the past 24 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers mid score of 758 exceeded the guideline requirement of 740 by 18 points.
0331144799	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing 2016 Year End Balance sheets for both XXX borrowers; Borrower Sched C and Co-Borrower 1120S.	05.16.17 Lender provided a copy of the 1120S however the doc is not signed.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy. Signed returns,  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been a XXX for the past 24 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers mid score of 758 exceeded the guideline requirement of 740 by 18 points.
0103440112	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing 2016 YTD Profit and Loss statement for XXX2. Missing Year End 2016 Balance Sheet for XXX 3. Missing copy of the Note for the borrower Notes Receivable income of XXX monthly to support its continuance for a minimum of 3 years after the note date of XXX	05.10.17 Lender provided a copy of the 2016 P&L Statement and the Notes receivables for $5833.00, however, the balance sheet is still missing.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX with same company for the past 31 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 30.03/34.49, max allowed is 36/43 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 38.59%; max allowed on C/O is 70%.
0103440112	CRDINC2488	Verbal verification of employment missing	No	Missing CPA letter dated within 30 days of the Note date.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX with same company for the past 31 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 30.03/34.49, max allowed is 36/43 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 38.59%; max allowed on C/O is 70%.
0103440112	CRDINC3204	Income Documentation Missing	No	Per guidelines, a copy of the Note for the borrower Notes Receivable income of 5833.00 monthly; need to support income will continue for a minimum of 3 years after the note date of XXX	05.10.17 Lender provided a fully executed copy of Note for $5833.00 per month showing it will continue for 4 additional years.	05.10.17 Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX with same company for the past 31 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 30.03/34.49, max allowed is 36/43 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 38.59%; max allowed on C/O is 70%.
0103440112	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers	No	Missing 2016 YTD Profit and Loss statement for XXX	05.10.17 Lender provided a copy the P&L for XXX	05.10.17 Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX with same company for the past 31 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 30.03/34.49, max allowed is 36/43 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 38.59%; max allowed on C/O is 70%.
0103440112	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing Year End 2016 Balance Sheet for XXX	05.10.17 Lender provided a copy of the P&L the Yr End. Bal sheet for 2016 for XXX is missing.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX with same company for the past 31 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 30.03/34.49, max allowed is 36/43 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 38.59%; max allowed on C/O is 70%.
0066248376	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1) File is missing the 2014 W2 for B2. 2) File is missing a YTD balance sheet for B2's business. *Please Note* P&L and Balance sheets are required to be dated at least through the most recent quarter that ends 1 month prior to the application date.	5/9/17: Lender provided 2 years w2's. and P&L; Balance Sheet still missing. 5.22.17 - Lender provided a rebuttal indicating they disagree.  Lender's rebuttal:" 1- 2014 W2 for B2 was not required.  2- Per lender guidelines, transactions may be considered for approval for borrowers where the current P&L and/or balance sheet is self-prepared or waived. " However, P and L and Balance Sheet is a appendix Q requirement. 6.15.17 Client provided updated status of loan as Non QM	6.16.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer for 12.84 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 796 is 116 points above minimum program requirement of 680. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower XXX with same business for 6.75 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  26.10 months PITI reserves. 12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.06% DTI is below the maximum allowed DTI of 43%.
0066248376	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer for 12.84 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 796 is 116 points above minimum program requirement of 680. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower XXX with same business for 6.75 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  26.10 months PITI reserves. 12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.06% DTI is below the maximum allowed DTI of 43%.
0845772901	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing documentation to complete the ATR/QM status determination review: 1) The 2015 W2 for primary borrower is illegible.  2) Written verification of 2 year history of bonus income, and likelihood of continuance, from primary borrower employer.   Lender utilized bonus income in the DTI.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Primary borrower employed 14 years in same profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 55.94%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901	CMPFDCP3206	NMLS License verification found Loan Originator Name does not match ID	No	The individual loan originator's name on the file documents does not match the NMLS license name.  The file documents include only the middle initial.  License shows middle name spelled out.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Primary borrower employed 14 years in same profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 55.94%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901	CMPTRID4229	TRID - CD: The Prepaids total amount disclosed in the CD Other Costs section does not equal its component parts	No	On CD XXX Prepaid section is not calculated correctly and shows a total of $23503.15 that should be $14655.65. Corrected on CD XXX	(No Data)	4/27/2017: exception satisfied since the error was correctly re-disclosed.	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Primary borrower employed 14 years in same profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 55.94%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901	CMPTRID4232	TRID - CD: The Total Other Costs (Borrower-Paid) amount disclosed in the CD Other Costs section does not equal its component parts	No	On CD XXX the Other Costs Subtotals in section I value of $30668.15 is incorrect since the Prepaids section is miscalculated. The Prepaids total reflected as $23503.15 should be $14655.65. Corrected on CD XXX	(No Data)	4/27/2017: exception satisfied since the error was correctly re-disclosed.	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Primary borrower employed 14 years in same profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 55.94%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901	CMPTRID4233	TRID - CD: The Other Costs subtotal (Borrower Paid at Closing) amount disclosed in the CD Other Costs section does not equal its component parts	No	On CD XXX the Total Other Costs section I value of $30668.15 is incorrect since the Prepaids section is miscalculated. The Prepaids total reflected as $23503.15 should be $14655.65. Corrected on CD XXX	(No Data)	4/27/2017: exception satisfied since the error was correctly re-disclosed.	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Primary borrower employed 14 years in same profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 55.94%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901	CMPTRID4235	TRID - CD: The Total Closing Costs (Borrower-Paid) amount disclosed in the CD Other Costs section does not equal its component parts	No	On CD XXX the Total Closing Costs value of $36922.03 is incorrect since the Prepaids section is miscalculated. The Prepaids total reflected as $23503.15 should be $14655.65. Corrected on CD XXX	(No Data)	4/27/2017: exception satisfied since the error was correctly re-disclosed.	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Primary borrower employed 14 years in same profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 55.94%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901	CMPTRID4236	TRID - CD: The Closing Costs subtotal (Borrower Paid at Closing) amount disclosed in the CD Other Costs section does not equal its component parts	No	CD XXX Section: Other Costs, (D+I) Borrower Paid at Closing amount $36,351.03 and Section: Other Costs, (D+I) Clayton Borrower Paid at Closing amount $27,503.53 do not match due to a calculation error of the Prepaids total section F, however this has been XXX	(No Data)	4/27/2017: exception satisfied since the error was correctly re-disclosed.	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Primary borrower employed 14 years in same profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 55.94%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901	CMPTRID3676	TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.	No	10% tolerance fee increase between LE XXX and CD XXX by $226. The Recording-Mortgage fee increased without valid documentation. Lender included a credit of $124 for the increase but it is not sufficient.	5.31.2017 lender response Agree with investor. The Title Related fees were considered not referred based on the consummation CD and Providers of Service in file. The initial baseline consisted of the Recording fee only in the amount of $226 according to the initial LE in file issued XXX The Recording fees increased to $556 on the initial CD issued XXX without a valid change circumstance. The Recording fees were under-disclosed by $256, which would result in a refund due to the borrower in the amount of $226. There was an Over Tolerance Credit of $125 disclosed in Section J of the consummation CD; however, it is not sufficient to cover the full variance amount. The borrower would be due an additional refund of $101.  Refund to the borrower of $101 and new CD reflecting an additional $101 over tolerance credit is required to cure the defect.  Remediation request sent to CDCR XXX-6.1.17 -  Lender rebuttal UPDATE: Attached are the documents that were sent to borrower (new Closing Disclosure, letter, refund check) 6.1.17 - Clayton received the PCCD, letter and refund check.	6.1.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Primary borrower employed 14 years in same profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 55.94%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901	CRDCRMH193	Length of mortgage/rental history in file does not meet guideline requirement	No	Missing verification of borrower's rental payment history for their current residence in XXX. Unable to determine if rental payment history meets the guideline requirement of 0x30 for prior 12 months.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Primary borrower employed 14 years in same profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 55.94%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901	CRDDTI106	Debt Ratio Exception >5% and <10%	No	DTI of 44.21% exceeds Client guideline maximum of 43%.  Difference from lender's 1008 DTI of 42.422% due to: 1) Review subject property tax based on settlement agent's estimated annual tax of $28,257.76/12 months = $2,354.80/month; lender used $1,900.07/month. 2) Review included prop tax, haz ins, and HOA fees at $1,742.25/month for XXX for a total PITIA at $6,493.53/month; lender used P&I payment only at $4,751.28/month in the DTI.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Primary borrower employed 14 years in same profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 55.94%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901	CRDINC3204	Income Documentation Missing	No	Missing the initial and closing 4506T signed by borrowers, required per guidelines.	5.31.17 Lender response Relocation loan, initial 4506-T not required.  Unable to procure a final signed 4506-T.6.14.19 - Clayton has reviewed and considers non-material based on compensating factors of cash reserves $904,198 and qualifying credit score of 798.	5.31.17 Exception remains6.14.19 - Exception remains.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Primary borrower employed 14 years in same profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 55.94%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901	CRDINC2408	Income verification does not meet guidelines	No	1) The 2015 W2 for primary borrower is illegible. 2) Missing written verification of 2 year history of bonus income, and likelihood of continuance, from primary borrower employer, required per guidelines. Lender utilized bonus income in the DTI.	5.31.17 -  Client provided the offer letter, however the written verification of 2 year history of bonus income	5.31.17 - Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Primary borrower employed 14 years in same profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 55.94%; maximum permitted is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0917509116	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1.File missing CPA letter verifying XXX for B1.2. Missing P&L and Balance Sheet for B1.	5.20.17 Lender provided 2016 Misc 1099 and a pay history. Still Missing P&L/ Balance Sheet/ & CPA.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower is a XXX with 13 yrs in his profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1, Primary wage earner, middle credit score 756.  Bwr exceeds 720 credit score requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have ample reserves in liquid accts and retirement meeting 12 mth PCL requirement.
0917509116	CMPFDCP3206	NMLS License verification found Loan Originator Name does not match ID	No	Alias for XXX, is not listed on NMLS site.	5.18.17 - Client provided exception approval to accept NMLS name variation.5.18.17 - Clayton has reviewed and Alias is considered non-material.	5.18.17  Non-material exception.5.18.17 - Client requested waive.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower is a XXX with 13 yrs in his profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1, Primary wage earner, middle credit score 756.  Bwr exceeds 720 credit score requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have ample reserves in liquid accts and retirement meeting 12 mth PCL requirement.
0917509116	CRDINC2488	Verbal verification of employment missing	No	File missing CPA letter verifying XXX for B1.	5.20.17 Lender provided 2016 Misc 1099 and a pay history. Still Missing CPA letter or third party verification of business.	5.20.17 Exception Remains.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower is a XXX with 13 yrs in his profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1, Primary wage earner, middle credit score 756.  Bwr exceeds 720 credit score requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have ample reserves in liquid accts and retirement meeting 12 mth PCL requirement.
0917509116	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers	No	File missing signed P&L for schedule C business "XXX".	5.20.17 Lender provided 2016 Misc 1099 and a pay history. Still Missing P&L.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower is a XXX with 13 yrs in his profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1, Primary wage earner, middle credit score 756.  Bwr exceeds 720 credit score requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have ample reserves in liquid accts and retirement meeting 12 mth PCL requirement.
0917509116	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	File missing signed Balance Sheet for Schedule C business "XXX	5.20.17 Lender provided 2016 Misc 1099 and a pay history. Still Missing Balance Sheet.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower is a XXX with 13 yrs in his profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1, Primary wage earner, middle credit score 756.  Bwr exceeds 720 credit score requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have ample reserves in liquid accts and retirement meeting 12 mth PCL requirement.
0917509116	PRVAAPPR3116	Missing updated valuation	No	Missing updated valuation	4.19.17 Desk Review received value indeterminate dated XXX, value not supported. Field Review recommended.	4.19.17 Exception Satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower is a XXX with 13 yrs in his profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1, Primary wage earner, middle credit score 756.  Bwr exceeds 720 credit score requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have ample reserves in liquid accts and retirement meeting 12 mth PCL requirement.
0917509116	PRVAVALU153	Value Not Supported	No	4.19.17 Field Review Ordered.	5.1.17 Field Review received valued at $XXX, value supported.	5.1.17 Exception Satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower is a XXX with 13 yrs in his profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1, Primary wage earner, middle credit score 756.  Bwr exceeds 720 credit score requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have ample reserves in liquid accts and retirement meeting 12 mth PCL requirement.
0808516003	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Provide 2016 year end P and L and balance sheets for XXX	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file	No	HO Counseling List not found in file.	5/15/17 - Lender provided HOC disclosure Exception satisfied.	5/15/17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003	CMPROR113	ROR - Missing Right of Rescission form	No	ROR not found in file.	5/15/17 - Lender provided ROR disclosure. Exception satisfied.	5/15/17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003	CMPTRID3476	TRID - Written List of Providers not provided or untimely	No	Service Provider List not found in file.	5/15/17 - Lender provided SPL disclosure. Exception satisfied.	5/15/17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers	No	Missing Profit and Loss statements for the Borrower's businesses, XXX. Current quarter statement through date of 12/31/2016 is required.	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing Balance Sheet statements for the Borrower's businesses, XXX. Current quarter statement through date of 12/31/2016 is required.	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003	CRDINSR848	Missing Hazard Insurance	No	Missing current Hazard Insurance policy for the subject property.	5.20.17 Lender provide proof of homeowners for property	5.20.17 Exception Satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since the FEMA Disaster XXX - Severe Winter Storms, Flooding, and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant.  These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities.  Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.	5.23.17 Post Disaster Inspection confirm no damages to property.	5.23.17 Exception Satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0681714584	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file	No	List of homeowners counseling organizations not in file	5.15.17- HOC list provided	5.15.17- Exception Satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  599 months PITIA have been verified. CFCFS1736: Significant time at current residence - Clayton Comments:  Co-borrower has resided in his primary residence 44+ years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 57.26% is below guideline requirements of 80% by 22.74 points.
0681714584	CMPTRID3476	TRID - Written List of Providers not provided or untimely	No	Written List of Providers not provided	5.15.17- SPL provided	5.15.17- Exception Satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  599 months PITIA have been verified. CFCFS1736: Significant time at current residence - Clayton Comments:  Co-borrower has resided in his primary residence 44+ years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 57.26% is below guideline requirements of 80% by 22.74 points.
0681714584	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  599 months PITIA have been verified. CFCFS1736: Significant time at current residence - Clayton Comments:  Co-borrower has resided in his primary residence 44+ years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 57.26% is below guideline requirements of 80% by 22.74 points.
0681714584	CRDINC3204	Income Documentation Missing	No	Missing signed pages of 2015 & 2014 personal tax returns for both and 2015 & 2014 business returns for co-borrower.	05.18.17 Lender provided a copy of the  2015 & 2014 personal tax returns for both and 2015 & 2014 business returns for co-borrower, however, there are no signatures on the docs. 5.25.17 - Lender provided validation of the CPA Pin # on the Personal and Business Tax Returns, however borrower signature is required.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  Signed Tax Returns  are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  599 months PITIA have been verified. CFCFS1736: Significant time at current residence - Clayton Comments:  Co-borrower has resided in his primary residence 44+ years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 57.26% is below guideline requirements of 80% by 22.74 points.
0564024477	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing documentation to complete the ATR/QM status determination review: - Missing the credit report utilized for DTI and mortgage payment history.  - Missing income documentation needed to complete review of the qualifying income: 1) Current pay stubs for B2 & 2016 and 2015 W2s for co-borrower or WVOE. 2) 2014 1040 tax return, all schedules, signed by both borrowers 3) Co-borrower employer to verify months paid per year. 4) Missing Year End 2016 Balance Sheet for primary borrower's schedule C business, required per guidelines.	05.16.17 Lender provided a copy of the credit report, pay stubs, 2015 W2, 2014 1040 signed by both borrowers and VVOE, however WVOE showing the number of months per year b2 is paid.5.22.17 - Lender provided number of months borrower is paid.	5.22.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Departing residence owned 20.61 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 5.87 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed 25.60 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477	CMPDOC2514	Mortgage/Deed of Trust has not been recorded and/or sent for recording	No	Missing copy of the executed Deed of Trust, to include the legal description exhibit.	5/10/2017 - Lender provided the executed Deed of Trust.	5/10/2017 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Departing residence owned 20.61 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 5.87 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed 25.60 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477	CMPDOC796	Missing Title	No	Missing copy of the title commitment from the file.	5/10/2017 - Lender provided the Title commitment.	5/10/2017 - Exception Satisfied	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Departing residence owned 20.61 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 5.87 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed 25.60 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477	CMPDOC806	Notary Status is missing	No	Mortgage in the file is not notarized or signed by the borrowers.	5/10/2017 - Lender provided the notarized Mortgage, signed by borrowers.	5/10/2017 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Departing residence owned 20.61 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 5.87 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed 25.60 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477	CMPDOC869	Mortgage not signed	No	Missing copy of the fully executed Deed of Trust.	5/10/2017 - Lender provided the fully executed Deed of Trust.	5/10/2017 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Departing residence owned 20.61 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 5.87 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed 25.60 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Departing residence owned 20.61 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 5.87 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed 25.60 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477	CRDCRMH193	Length of mortgage/rental history in file does not meet guideline requirement	No	Missing 12 months prior mortgage history 0x30; credit report missing from file.	05.16.17 Lender provided a copy of the credit report showing the mortgage history  12 mos 0x30	05.16.17 Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Departing residence owned 20.61 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 5.87 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed 25.60 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477	CRDCRMH3000	# of Tradelines Does Not Meet Guideline Requirements	No	Missing the credit report from the file to determine if borrower meets minimum tradeline requirements.	05.16.17 Lender provided a copy of the credit report showing trade history borrower has more than 4 trades.	05.16.17 Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Departing residence owned 20.61 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 5.87 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed 25.60 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477	CRDCRMH189	Missing credit report	No	File is missing credit report used for qualification.	05.16.17 Lender provided copy of credit report.	05.16.17 Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Departing residence owned 20.61 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 5.87 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed 25.60 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477	CRDINC2408	Income verification does not meet guidelines	No	Missing income documentation required per guidelines to complete review of the qualifying income: 1) Current pay stubs for B2 & 2016 and 2015 W2s for co-borrower or WVOE.2) 2014 1040 tax return, all schedules, signed by both borrowers 3) Co-borrower employer to verify months paid per year.	05.18.17 Lender provided a copy of 1) Current pay stubs for B2 & 2016 and 2015 W2s for co-borrower and a VVOE.2) 2014 1040 tax return, all schedules, signed by both borrowers. 1) WVOE from employer to verify months paid per year as co-borrower is a teacher total 11 months	05.18.17 Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Departing residence owned 20.61 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 5.87 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed 25.60 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477	CRDINC3204	Income Documentation Missing	No	Missing the initial and closing 4506T forms signed by both borrowers.	05.16.17 Lender provided a copy of initial and final 4506T.	05.16.17 Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Departing residence owned 20.61 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 5.87 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed 25.60 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing Year End 2016 Balance Sheet for primary borrower's schedule C business, required per guidelines.	05.16.17 Lender provided a copy of the P&L statement. Requested a copy of the balance sheet.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Departing residence owned 20.61 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 5.87 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed 25.60 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477	CRDLGL2277	Note Not Executed	No	Missing copy of the fully executed Note.	5/10/2017 - Lender provided the fully executed Note.	5/10/2017 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Departing residence owned 20.61 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 5.87 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed 25.60 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477	CRDLGL4033	Missing Legal Document(s)	No	Missing copy of the executed purchase contract for subject property.  Unable to determine if sales price of $XXX matches the final Closing Disclosure.	05.16.17 Lender provided a copy of the signed purchase contract for XXX	05.16.17 Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Departing residence owned 20.61 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower XXX in same business 5.87 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed 25.60 years with current employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0634340581	CMPFDCP3206	NMLS License verification found Loan Originator Name does not match ID	No	NMLS License verification found Loan Originator Name does not match ID. NMLS shows name as XXX	5.18.17 - Client provided exception approval to accept NMLS name variation.	5.18.17  Non-material exception.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  23.53 LTV below guideline requirements. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  453.53 months verified cash reserves exceed guidelines.
0634340581	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers	No	Missing P&L statement for B2 XXX.  Provide current profit and loss for B2 to support income used for qualifying.	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  23.53 LTV below guideline requirements. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  453.53 months verified cash reserves exceed guidelines.
0634340581	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing balance sheet for B2 XXX.  Provide current balance sheet to support B2 income used for qualifying.	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  23.53 LTV below guideline requirements. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  453.53 months verified cash reserves exceed guidelines.
0876017365	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing documentation to complete the ATR/QM status determination review: 1). Provide signed and dated 2015 & 2014 1040 tax returns. 2). Provide signed and dated 2015 & 2014 1120 S business tax returns. 3). Provide the Verbal VOE within 30 business days of the Note signing date of XXX	5.15.17 Client rebuttal Per lender guidelines iftaxreturnsare signed, stamped, or include a letterhead prepared by the CPA or a PreparerTaxIdentification Number (PTIN), acceptable for underwriting; no further signatures were required. However, signature is appendix Q requirement.	5.15.17 Exception remains.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 812 exceeds the minimum required of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments:  26.10% DTI is below the maximum per guidelines of 43% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  The Mortgage history on the credit report shows 76 months reviewed 0 x 30;  the minimum required by guidelines is 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower significant time as XXX for 10.22 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided at current residence for 6.72 years.
0876017365	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 812 exceeds the minimum required of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments:  26.10% DTI is below the maximum per guidelines of 43% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  The Mortgage history on the credit report shows 76 months reviewed 0 x 30;  the minimum required by guidelines is 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower significant time as XXX for 10.22 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided at current residence for 6.72 years.
0876017365	CRDINC2488	Verbal verification of employment missing	No	Provide the Verbal VOE third party verification of Borrower's business within 30 days from the Note signing date of XXX	05.18.17 Lender provided a copy of the VVOE dated XXX	05.18.17 Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 812 exceeds the minimum required of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments:  26.10% DTI is below the maximum per guidelines of 43% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  The Mortgage history on the credit report shows 76 months reviewed 0 x 30;  the minimum required by guidelines is 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower significant time as XXX for 10.22 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided at current residence for 6.72 years.
0261449590	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing documentation to complete the ATR/QM status determination review: 1).  File is missing evidence the payment of $2,885 for the borrowers' departure residence (XXX) that includes escrows for taxes and insurance.2).  File is missing 3rd party verification of the existence of B1's XXX	7.13.17 - Lender's rebuttal:  1.) Unable to locate a document to evidence the payment of $2,885 for the borrowers' departure residence includes escrow for taxes and insurance. 2.) VVOE for B1's XXX - Lender provided a screenshot of UW notes attesting the borrower is XXX which is not sufficient.Client has re-designated as Non-QM and meets ATR.	7.13.17 - Exception remains.Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  42.97% LTV is 37.03% less than the maximum program LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 801 is 121 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  42.19 months PITI reserves.  12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.39% DTI is below the maximum allowed DTI of 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower with same employer for 8.22 years.
0261449590	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	File is missing evidence the payment of $2,885 for the borrowers' departure residence (XXX) that includes escrows for taxes and insurance.	7.13.17 - Lender rebuttal:  Unable to locate a document to evidence the payment of $2,885 for the borrowers' departure residence includes escrow for taxes and insurance.	7.13.17 - Exception remains.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  42.97% LTV is 37.03% less than the maximum program LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 801 is 121 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  42.19 months PITI reserves.  12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.39% DTI is below the maximum allowed DTI of 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower with same employer for 8.22 years.
0261449590	CRDINC2488	Verbal verification of employment missing	No	File is missing 3rd party verification of the existence of B1's XXX	7.13.17 - Lender provided a screenshot of UW notes attesting the borrower is XXX which is not sufficient.	7.13.17 - Exception remains.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  42.97% LTV is 37.03% less than the maximum program LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 801 is 121 points above minimum program requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  42.19 months PITI reserves.  12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.39% DTI is below the maximum allowed DTI of 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower with same employer for 8.22 years.
0390206785	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1) Missing a signed P&L Statement for B1 business XXX2) Missing a signed Balance Sheet for B1 business XXX	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 50.575%, max LTV is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785	CMPFDCP3206	NMLS License verification found Loan Originator Name does not match ID	No	The Loan Officer's signed copy of the loan application listed as XXX The final 1003 and Note as XXX. The NMLS verification listed as XXX	5.18.17 - Client provided exception approval to accept NMLS name variation.	5.18.17  Non-material exception.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 50.575%, max LTV is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file	No	List of homeowners counseling organizations not in file	5/15/17 - HOC List provided Dated XXX	5/15/17 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 50.575%, max LTV is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785	CMPROR113	ROR - Missing Right of Rescission form	No	Missing Right of Rescission form	5/15/17 - Signed ROR for all Borrowers Provided	5/15/17 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 50.575%, max LTV is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) is 5632.48 which does not equate to the amount based on the Reg's formula of $XXX	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 50.575%, max LTV is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785	CMPTRID3476	TRID - Written List of Providers not provided or untimely	No	Written List of Providers not provided	5/15/17 - SPL provided Dated XXX	5/15/17 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 50.575%, max LTV is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785	CRDAST2354	Asset Verification In File is Incomplete Per Requirements	No	Borrower is short PCL (post closing liquid assets.) Borrower has $3,355.27 documented non-retirement liquid assets Guidelines only permit 50% of PCL to be retirement assets.12 months reserves required equaling $89,636.04.  Exception approved by XXX	(No Data)	After further review, exception is non material. Borrower has excellent credit, low LTV and plenty of non liquid reserves.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 50.575%, max LTV is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785	CRDINC150	Income docs do not meet guidelines	No	2016 P&L and Balance Sheet for B1 business XXX	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 50.575%, max LTV is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers	No	Missing a signed P&L statement for B1 business XXX	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 50.575%, max LTV is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing a signed Balance Sheet for B1 business XXX	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 50.575%, max LTV is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785	CRDLGL100	Legal document incorrect or incomplete	No	Missing the Specific Power of Attorney for transaction as B1 signed as attorney in fact for B2.	5.20.17 Lender provided  executed Power of Attorney	5.20.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 50.575%, max LTV is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.63% DTI is below the maximum of 43%
0675741198	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing 2016 YTD Profit and loss Statement for XXX.2. Missing 2016 YTD Balance Sheet for XXX.	5.30.17 Lender response Per lender guidelines for XXX, transactions may be considered for approval for borrowers where the current P&L and/or balance sheet is self-prepared or waived. However  P&L and/or balance sheet are still outstanding.Client has re-designated as Non-QM. Clayton has reviewed and meets ATR.	5.30.17 - exceptions remains.Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 33.53% is 36.47% lower than the maximum LTV of 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 17% is 26% lower than the maximum allowable DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative score 800 is 120 points above the required score of 680. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Has been with her employer for 28 years and 4 months.
0675741198	CMPFDCP3206	NMLS License verification found Loan Originator Name does not match ID	No	NMLS Reflects the LO name as XXX XXX with no alternative names, documents executed as XXX	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 33.53% is 36.47% lower than the maximum LTV of 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 17% is 26% lower than the maximum allowable DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative score 800 is 120 points above the required score of 680. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Has been with her employer for 28 years and 4 months.
0675741198	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	CD dated XXX, Calculating Cash to Close, Closing Costs Financed, Final Value of $4,534.68 does not take into account the $649.88 that was paid prior to closing ($4,534.68 - $649.88 = $3,884.80).	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 33.53% is 36.47% lower than the maximum LTV of 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 17% is 26% lower than the maximum allowable DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative score 800 is 120 points above the required score of 680. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Has been with her employer for 28 years and 4 months.
0675741198	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers	No	Missing 2016 YTD Profit and loss Statement for XXX	5.30.17 Lender response Per lender guidelines for XXX, transactions may be considered for approval for borrowers where the current P&L and/or balance sheet is self-prepared or waived. However  P&L and/or balance sheet are still outstanding.6.22.17 - Upon further Clayton review, with change to a Non-QM status P&L can be non-material.	6.22.17 - Exception remains.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 33.53% is 36.47% lower than the maximum LTV of 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 17% is 26% lower than the maximum allowable DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative score 800 is 120 points above the required score of 680. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Has been with her employer for 28 years and 4 months.
0675741198	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing 2016 YTD Balance Sheet for XXX	5.30.17 Lender response Per lender guidelines for XXX, transactions may be considered for approval for borrowers where the current P&L and/or balance sheet is self-prepared or waived. However  P&L and/or balance sheet are still outstanding.6.22.17 - Upon further Clayton review, with change to a Non-QM status P&L can be non-material.	6.22.17 - Exception remains.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 33.53% is 36.47% lower than the maximum LTV of 70%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 17% is 26% lower than the maximum allowable DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative score 800 is 120 points above the required score of 680. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Has been with her employer for 28 years and 4 months.
0279313615	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing documentation to complete the ATR/QM status determination review: Provide property tax bill and HOA dues to support PITIA property expenses for primary residence at XXX	5.19.17  Lender provided page 1 of Appraisal indicating the HOA and property taxes.   Missing insurance premium amount.  Provide HOI for primary residence at XXX6.19.07 Lender provided updated ATR QM status as a Non QM	6.19.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $270,312.78 or 102.72 months PITI reserves.  guidelines require 18 months for subject and 6 months for retained primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  799 representative score exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 17 years in current job.
0279313615	CMPFDCP3206	NMLS License verification found Loan Originator Name does not match ID	No	NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.	5.10.17 Client XXX waive issues related to exact name matches on NMLS.	5.10.17 Final Grade B.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $270,312.78 or 102.72 months PITI reserves.  guidelines require 18 months for subject and 6 months for retained primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  799 representative score exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 17 years in current job.
0279313615	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Provide property tax bill and HOA dues to support PITIA property expenses for primary residence at XXX	5.19.17  Lender provided page 1 of Appraisal indicating the HOA and property taxes.   Missing insurance premium amount.  Provide HOI for primary residence at XXX	5.19.17 - Exception remains.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $270,312.78 or 102.72 months PITI reserves.  guidelines require 18 months for subject and 6 months for retained primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  799 representative score exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 17 years in current job.
0279313615	CRDINC3204	Income Documentation Missing	No	Provide the fully executed Initial and Final 4506-T as all are blank in the file.	5.19.2017 -Lender provided  fully executed Initial and Final 4506-T.	5.19.2017 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $270,312.78 or 102.72 months PITI reserves.  guidelines require 18 months for subject and 6 months for retained primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  799 representative score exceeds the GL min of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 17 years in current job.
0754880233	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing documentation, required per Appendix Q, to complete the ATR/QM status determination review:Provide a completed VVOE within 20 business days of the Note signing date.	05.11.17 Lender provided a copy of the XXX Feedback certificate. Loan reviewed to underwriting guidelines, not feedback certificate. Please provide a copy of the VVOE.6.19.17 Client provided updated ATR QM status as a Non QM loan	6.19.17 Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 18.85%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 797; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  The Borrower has been an XXX for 20.90 years.
0754880233	CMPFDCP3206	NMLS License verification found Loan Originator Name does not match ID	No	NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name.	5.10.17 Client XXX waive issues related to exact name matches on NMLS.	5.10.17 Final Grade B.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 18.85%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 797; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  The Borrower has been an XXX for 20.90 years.
0754880233	CRDINC2488	Verbal verification of employment missing	No	Provide a completed VVOE within 30 business days of the Note signing date.	05.11.17 Lender provided a copy of the XXX Feedback certificate. Loan reviewed to underwriting guidelines, not feedback certificate. Please provide a copy of the VVOE.	05.11.17 Exception remains.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 18.85%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 797; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  The Borrower has been an XXX for 20.90 years.
0733283060	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing documentation to complete the ATR/QM status determination review: 1).  Provide the taxes and insurance for XXX Mortgage Statement has P&I (other screenshots are for primary residence only)**additional exceptions may apply with regards to DTI.2).  5.78% back end DTI shortfall.  The back end DTI of 48.78% is 5.78% > maximum allowed DTI of 43.00%.	5.25.17 Lender provided PITIA for XXX $2,188.61. DTI still exceeds 43% by 1.84% exception remains.	5.25.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments on their credit report in the last 36 months 0 x 30. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 8 years in his profession.
0733283060	CRDATRQM3122	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination.	No	Missing documentation, required per Appendix Q, to complete the ATR/QM status determination review:3.54% back end DTI shortfall. The back end DTI of 46.54% is 3.54% > maximum back end DTI of 43.00%.	5.25.17  Lender provided PITIA for XXX $2,188.61. DTI still exceeds 43% by 1.84% exception remains.6.15.17 Client provided supplemental data showing loan as Non QM	6.15.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments on their credit report in the last 36 months 0 x 30. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 8 years in his profession.
0733283060	CRDDTI106	Debt Ratio Exception >5% and <10%	No	5.78% back end DTI shortfall.  The back end DTI of 48.78% is 5.78% > maximum allowed DTI of 43.00%.	5.25.17  Lender provided PITIA for XXX $2,188.61. DTI still exceeds 43% by 1.84% exception remains.	5.25.17 Exception remains	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments on their credit report in the last 36 months 0 x 30. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 8 years in his profession.
0733283060	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Provide the taxes and insurance for XXX Mortgage Statement has P&I (other screenshots are for primary residence only)**additional exceptions may apply with regards to DTI.	5.25.17  Lender provided PITIA for XXX $2,188.61.	5.25.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments on their credit report in the last 36 months 0 x 30. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 8 years in his profession.
0733283060	PRVAAPPR3116	Missing updated valuation	No	Missing XXX	5/11/2017 - Desk review received with a value of $XXX. Original appraisal value is supported.	5/11/2017 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments on their credit report in the last 36 months 0 x 30. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 8 years in his profession.
0733283060	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since the FEMA Disaster XXX - Severe Winter Storms, Flooding, and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant.  These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities.  Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.	5.22.17 Post Disaster Inspection confirm no damages to property.	5.22.17 Exception Satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments on their credit report in the last 36 months 0 x 30. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 8 years in his profession.
0830874307	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing documentation to complete the ATR/QM status determination review: Provide the Verbal VOE within 30 days from the Note signing date of XXX	5.24.17 - Lender provided notes about a XXX.  Missing verification of business within 30 days of note.  Provide verification of business6.19.17 Client provided updated ATR QM status as a Non QM loan	6.19.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in the current primary residence 14.60 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 37.30 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Midpoint credit score of 782 exceed guideline requirements of 680 by 102 points.
0830874307	CMPFDCP3206	NMLS License verification found Loan Originator Name does not match ID	No	The Loan Officer's name as it appear on the 1003, Note and Deed of Trust  (XXX) does not match the name listed on the NMLS website XXX	5.18.17 - Client provided exception approval to accept NMLS name variation.	5.18.17  Non-material exception.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in the current primary residence 14.60 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 37.30 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Midpoint credit score of 782 exceed guideline requirements of 680 by 102 points.
0830874307	CRDINC2488	Verbal verification of employment missing	No	Provide the Verbal VOE within 30 days from the Note signing date of XXX	5.24.17 - Lender provided notes about a XXX.  Missing verification of business within 30 days of note.  Provide verification of business	5.24.17 Exception remains.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in the current primary residence 14.60 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 37.30 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Midpoint credit score of 782 exceed guideline requirements of 680 by 102 points.
0603856189	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Provide year to date 2018 balance sheet and P&L for XXX business.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is 70.00%, which is 10.00 % less than the guideline max of 80.00% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $575.883.80 in post-closing reserves, which is $346.608.44 more than the guideline required amount of $229.275.36, or 90 months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of 769, which is 69 points higher than the guideline requirement of 700.
0603856189	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is 70.00%, which is 10.00 % less than the guideline max of 80.00% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $575.883.80 in post-closing reserves, which is $346.608.44 more than the guideline required amount of $229.275.36, or 90 months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of 769, which is 69 points higher than the guideline requirement of 700.
0603856189	CRDTER3122	Loan documents do not meet guideline requirements	No	Lender Exception for XXX. Compensating factors include low DTI, 10 times more reserves than required and high residual income.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is 70.00%, which is 10.00 % less than the guideline max of 80.00% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $575.883.80 in post-closing reserves, which is $346.608.44 more than the guideline required amount of $229.275.36, or 90 months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of 769, which is 69 points higher than the guideline requirement of 700.
0733482960	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing 2016 verification of bonus income.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $314,326.52 or 71.84 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805 qualifying score. Min required per guidelines is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for 12 years.
0733482960	CRDDTI105	Debt Ratio Exception 5% or Less	No	Missing verification of 2016 bonus income; as a result the calculated DTI is 46.16%	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $314,326.52 or 71.84 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805 qualifying score. Min required per guidelines is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for 12 years.
0733482960	CRDINC888	Income Amount is  Unsupported by Documentation in File	Yes	Missing verification of 2016 bonus income	8.1.18 - Client responded. "Agree with findings.  Paystub dated 07/28/2017 documents $16,000 discretion bonus paid in 2017 but unable to locate documentation to support 2016 bonus income.	8.1.18 - Exception remains.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $314,326.52 or 71.84 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805 qualifying score. Min required per guidelines is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for 12 years.
0305768815	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing Year to Date Balance Sheet for XXX, Sch C thru May 2018 as required for ATR/QM.	8.17.18 - Client responded. Lender guidelines permit decisioners to waive balance sheet requirements for XXX borrowers. 8.17.18 - Clayton has reviewed clients response and although clients guidelines allow for underwriter to omit the need for the balance sheet; ATR/QM requires the document.	8.17.18 - Exception remains.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 30.21  max 43% CFCFS2854: Significant time in profession - Clayton Comments:  Both borrower's have been in the same line for more than 10 years
0305768815	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client requested re-status to Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 30.21  max 43% CFCFS2854: Significant time in profession - Clayton Comments:  Both borrower's have been in the same line for more than 10 years
0305768815	CRDAST115	Cash reserves do not meet guidelines	No	Lender Exception made for borrower being Short 6 Months Liquid PCL. Compensating Factors: Fixed verses ARM, Credit Score 780, Housing 26.78% verses 36%, Debt Ratio less than max 45%, LTV 66.67% verses max 80%, Long Term Mortgage History, Based on credit report profile late payments reported appear to be isolated, both borrowers long term in profession, counting the current residence in Ratio, However CD provided and email from borrower states he is selling and closing home on XXX a day before closing subject. Will Net 600,000 in proceeds when he does close. Excellent Residence. Non Material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 30.21  max 43% CFCFS2854: Significant time in profession - Clayton Comments:  Both borrower's have been in the same line for more than 10 years
0305768815	CRDLGL2550	Missing HUD-1 from sale of property	No	Provide a copy of FINAL CD from sale of the XXX, showing loan with XXX loan #XXX has been paid in full.	8.17.18 - Client responded. Settlement statement to document the sale of property XXX (XXX paid in full) attached. 8.17.18 - Clayton has reviewed clients response and Settlement Statement provided as required.	8.17.18 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 30.21  max 43% CFCFS2854: Significant time in profession - Clayton Comments:  Both borrower's have been in the same line for more than 10 years
0193295640	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing copy of P&L and Balance Sheet	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV xxx% below 70% guidline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 790 exceeds minimum 680 score requirement
0193295640	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $-23,004.75vs. Calculating Cash to Close, Field: System Calculation, Value: $22,309.75 the difference is the $895 closing cost paid before closing.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV xxx% below 70% guidline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 790 exceeds minimum 680 score requirement
0193295640	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client requested status change to Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV xxx% below 70% guidline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 790 exceeds minimum 680 score requirement
0912035228	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	Guidelines requirement YTD P&L and Balance Sheets for all XXX if more than 4 mos. has lapsed since the last fiscal year end. Fiscal end was XXX. Subject loan closed XXX. Need XXX YTD P&L's and Balance Sheets for XXX; XXX; and XXX.	8.21.18 - Client responded. Lender guidelines permit decisioners to waive profit & loss statements and balance sheet requirements for XXX borrowers. 8.21.18 - Clayton has reviewed the clients response and although lender guidelines allow the underwriter to waive the need for P&L's or a Balance sheet they are required for ATR/QM.	8.21.18 - Exception remains.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 31.63% below program requirement 70.00%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 12 years 6 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 15 years same line of work.  Borrower 2 has 20 years same line of work.
0912035228	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 5070.01CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4450.01. Difference is $620 for POC appraisal fee.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 31.63% below program requirement 70.00%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 12 years 6 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 15 years same line of work.  Borrower 2 has 20 years same line of work.
0912035228	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	CD: XXX and Last CD XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. Section E. Recording Fees are not Itemized.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 31.63% below program requirement 70.00%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 12 years 6 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 15 years same line of work.  Borrower 2 has 20 years same line of work.
0912035228	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client requested status change to Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 31.63% below program requirement 70.00%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 12 years 6 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 15 years same line of work.  Borrower 2 has 20 years same line of work.
0912035228	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	No documentation was located in file to support tax expense of $559.46 on XXX and hazard expense of $61.07 for XXX.  Provide satisfactory documentation to support both expenses used to qualify.	8.21.18 - Client responded. Missing components of non-subject PITI for properties XXX attached. 8.21.18 - Clayton has reviewed clients response and documentation provided to verify PITI for properties and XXX as required.	8.21.18 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 31.63% below program requirement 70.00%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 12 years 6 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 15 years same line of work.  Borrower 2 has 20 years same line of work.
0912035228	CRDTER3124	Loan documents do not meet guideline requirements	No	Borrowers qualified with XXX owned F&C of liens. No documentation was located in file to support property is owned free and clear of liens. Provide satisfactory evidence to support property is free and clear of liens.	8.21.18 - Client responded. Documentation to support property XXX is owned free and clear of liens attached (Schedule E in XXX Tax Return, page 9). 8.21.18 - Clayton has reviewed the clients response and documentation provided to reflect the property was free and clear.	8.21.18 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 31.63% below program requirement 70.00%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 12 years 6 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 15 years same line of work.  Borrower 2 has 20 years same line of work.
0588980730	CMPATRQM2900	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination.	No	Due to Post Close discovery of property taxes being incorrect subject PITI increases to $9061.95 which subsequently increases DTI to 43.06% and over the 43% allowed per QM. Lender Status QM XXX and Clayton Status ATR Risk: Non-QM - Lender did not document all ATR UW factors.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reviewed 59 month with 0x30 late. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 115.50month PITI reserves $901,344.80.
0588980730	CMPATRQM2906	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors	No	Due to Post Close discovery of property taxes being incorrect subject PITI increases to $9061.95 which subsequently increases DTI to XXX% and over the 43% allowed per QM.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reviewed 59 month with 0x30 late. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 115.50month PITI reserves $901,344.80.
0588980730	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	Due to Post Close discovery of property taxes being incorrect subject PITI increases to $9061.95 which subsequently increases DTI to 43.06% and over the 43% allowed per QM.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reviewed 59 month with 0x30 late. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 115.50month PITI reserves $901,344.80.
0588980730	CRDCRMH1805	Debts/obligations not disclosed/accounted for at origination	No	Post Close lender discovered subject property consists of two units in a condo project that were legally combined. Legally considered one unit however property address and legal description still reflect both units and tax parcels were never combined. Property taxes were based on one unit and not both as it should have been. Property taxes should be $2373 per month instead of $1206.52. This increases overall PITI to $9061.95 and DTI to 43.06%.	10.30.19 - Clayton has reviewed and subject loan has been re-status to Non-QM for DTI over 43%. Clayton deems non-material based on compensating factors of Loan has 115.50month PITI reserves $901,344.80 & Mortgage history reviewed 59 month with 0x30 late. Borrower meets ability to repay.	(No Data)	(No Data)	Not Applicable	CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reviewed 59 month with 0x30 late. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 115.50month PITI reserves $901,344.80.
0222821814	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing 2017 1040s and 1120s for XXX. Filing ext were provided the but the note date is XXX.  2017 Tax docs are required after 10/18.  Income to be re-calculated upon receipt.2. Missing verification of business existence for XXX	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close reserves in the amount of $421,802.65.  Reserves required $4404.36  x 12 = $52,852.32 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 9 years
0222821814	CRDINC3204	Income Documentation Missing	No	Missing 2017 1040s and 1120s for XXX. Filing ext were provided the but the note date is XXX.  2017 Tax docs are required after 10/18.  Income to be re-calculated upon receipt.  Downgraded to non-material.	2.15.19 - Client responded. 2017 1040s and 1120s for XXX	2.15.19 - Exception remains.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close reserves in the amount of $421,802.65.  Reserves required $4404.36  x 12 = $52,852.32 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 9 years
0222821814	CRDINC2488	Verbal verification of employment missing	No	Missing verification of business existence for XXX.	2.15.19 - Client responded. Verification of business existence for XXX	2.15.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close reserves in the amount of $421,802.65.  Reserves required $4404.36  x 12 = $52,852.32 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 9 years
0222821814	PRVAAPPR3116	Missing updated valuation	No	Missing PDA to support original appraised value	2.13.19- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX	2.13.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close reserves in the amount of $421,802.65.  Reserves required $4404.36  x 12 = $52,852.32 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 9 years
0187716302	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing documentation of REO expenses for the following properties XXX missing insurance,  XXX missing taxes, collateral property missing HELOC statement from XXX	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 24.68 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 have been on current job for 25.60 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have been in the same profession for 25 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months
0187716302	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	1. Missing hazard insurance policy for XXX to support the monthly premium of $333 per loan application. 2. Missing documentation for XXX XXX to support the monthly HELOC amount of $774 reflected on the loan application. The credit report dated 12/10/2018 reflects $488 monthly. 3. Missing documentation of tax and insurance for the rental property located at XXX. The taxes and insurance reported on the 2017 1040s are less than what is reflected on the loan application.Clayton deems non-material due to low DTI of 31.45% and Cash reserves in excess of 2.6 million dollars.	2.15.19 - Client responded. 1- Unable to locate insurance expense for property XXX. Insurance expense used to qualify was $333/mo from executed 1003.  2- Documentation of taxes for property XXX attached. 3- XXX HELOC statement from non-subject property (XXX) was not required.	2.15.19 - Exception remains.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 24.68 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 have been on current job for 25.60 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have been in the same profession for 25 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months
0134859397	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing 2017 most recent quarter Profit and Loss for B1 Schedule C XXX2. Missing most recent quarter Balance Sheet for B1 Schedule C XXX	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.26% LTV less than g/l requirement of 70% LTV CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been employed on current job for 16 years and 11 months. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have resided at current residence for 16 years and 11 months.
0134859397	CMPROR118	ROR - Disbursement date is on/before disclosed "midnight of" date	No	Earliest expiration date per ROR is XXX and Disbursement date per CD XXX	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.26% LTV less than g/l requirement of 70% LTV CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been employed on current job for 16 years and 11 months. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have resided at current residence for 16 years and 11 months.
0134859397	CMPROR2330	ROR - Disbursement date is before end of statutory rescission period	No	Earliest expiration date per ROR is XXXPlease provide LOX, CD, proof of delivery, and New NORTCs to all entitled to rescind to  re-open rescission (2 for each recipient). Within 60 days of discovery.	2.15.19 - Client responded. "Agree.  Disbursement date on Final CD executed by consumers on XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect.  Remediation requested.6.19.19 - Client responded. Corrected PCCD dated XXX and LOX to borrower provided and corrects error.	2.15.19 - Exception remains. 6.19.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.26% LTV less than g/l requirement of 70% LTV CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been employed on current job for 16 years and 11 months. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have resided at current residence for 16 years and 11 months.
0134859397	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 2058.20 actual calculation 1422.77 closing costs 2058.20 - POC 635.43 = 1422.77	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.26% LTV less than g/l requirement of 70% LTV CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been employed on current job for 16 years and 11 months. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have resided at current residence for 16 years and 11 months.
0134859397	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers	No	Missing 2017 most recent quarter Profit and Loss for B1 Schedule C XXX	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.26% LTV less than g/l requirement of 70% LTV CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been employed on current job for 16 years and 11 months. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have resided at current residence for 16 years and 11 months.
0134859397	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing most recent quarter Balance Sheet for B1 Schedule C XXX	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.26% LTV less than g/l requirement of 70% LTV CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been employed on current job for 16 years and 11 months. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have resided at current residence for 16 years and 11 months.
0096927963	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing Balance sheet for XXX, and missing evidence of property taxes for non subject property on XXX	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid score = 735 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $1,265,986.36 or 292.04 months of PITI reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV/CLTV = 44.30%; Max LTV is 80%.
0096927963	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the  Final CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 4139.69 actual calculation  3504.26 closing costs 4139.69 - POC 635.43 = 3504.26	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid score = 735 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $1,265,986.36 or 292.04 months of PITI reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV/CLTV = 44.30%; Max LTV is 80%.
0096927963	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing signed YTD  Balance sheet for XXX	2.7.19 - Client responded. No signed YTD Balance Sheet for XXX was obtained. Per non agency guidelines, the underwriter has discretion to waive financial statements for a XXX borrower. 2.7.19 - Clayton has reviewed and as a credit exception per lenders guide can be waived.	2.7.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid score = 735 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $1,265,986.36 or 292.04 months of PITI reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV/CLTV = 44.30%; Max LTV is 80%.
0984351889	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1). Third party verification for Sch C XXX not provided.  Provide third party verification of existence of business dated within 30 days of Note date.   2). YTD P&L and Balance Sheet not provide for Sch C Insurance Sales business.  Provide YTD P&L and Balance Sheet supporting income of $7554.04/month. 3). Computer generated YTD paystubs not provided.  Provide YTD income for W2 earnings from XXX to support monthly income of $4000.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep score 743. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $3360.73 x 12 = $40,328.76. PCL required reserves $20,164.38Verified reserves $58,828.17PCL verified reserves $22,149.90Excess reserves $18,499.41 CFCFS2860: Good credit history - Clayton Comments:  No adverse credit reporting on credit report.
0984351889	CRDINC2488	Verbal verification of employment missing	No	Third party verification for Sch C XXX business not provided.  Provide third party verification of existence of business dated within 30 days of Note date.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep score 743. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $3360.73 x 12 = $40,328.76. PCL required reserves $20,164.38Verified reserves $58,828.17PCL verified reserves $22,149.90Excess reserves $18,499.41 CFCFS2860: Good credit history - Clayton Comments:  No adverse credit reporting on credit report.
0984351889	CRDINC2410	Income documents in file for current year do not reflect YTD amounts	No	Computer generated YTD paystubs not provided.  Provide YTD income for W2 earnings from XXX to support monthly income of $4000.	2.19.19 - Client responded. Income documents used to support monthly income of $4k from XXX attached.	2.19.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep score 743. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $3360.73 x 12 = $40,328.76. PCL required reserves $20,164.38Verified reserves $58,828.17PCL verified reserves $22,149.90Excess reserves $18,499.41 CFCFS2860: Good credit history - Clayton Comments:  No adverse credit reporting on credit report.
0984351889	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers	No	YTD P & L not provide for Sch C XXX.  Provide YTD P & L supporting income of $7554.04/month.	2.19.19 - Client responded. No YTD P&L for Schedule C business was obtained. Per non agency guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.2.19.19 - Clayton has reviewed and lender guides allow underwriter to waive P&L's.	2.19.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep score 743. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $3360.73 x 12 = $40,328.76. PCL required reserves $20,164.38Verified reserves $58,828.17PCL verified reserves $22,149.90Excess reserves $18,499.41 CFCFS2860: Good credit history - Clayton Comments:  No adverse credit reporting on credit report.
0984351889	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	YTD Balance Sheet not provide for Sch C XXX.  Provide YTD Balance Sheet supporting income of $7554.04/month.	2.19.19 - Client responded. No YTD Balance Sheet for Schedule C business was obtained. Per non agency guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.2.19.19 - Clayton has reviewed and guidelines allow underwriter to waive Balance Sheet.	2.19.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep score 743. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $3360.73 x 12 = $40,328.76. PCL required reserves $20,164.38Verified reserves $58,828.17PCL verified reserves $22,149.90Excess reserves $18,499.41 CFCFS2860: Good credit history - Clayton Comments:  No adverse credit reporting on credit report.
0352386445	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Borrower is XXX. Missing signed/dated personal 2016 and 2017 1040s and signed 2016 and 2017 1120S returns.	9.20.19 - Client responded. Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting. IRS Tax Return Transcripts for tax periods 2016 and 2017 attached. 9.20.19 - Clayton has reviewed and although lender guides allow for the PTIN QM guides require the returns to be signed by borrowers. 9.25.19- Client responded. Re-status loan as Non-QM and re-grade accordingly.	9.20.19 - Exception remains. 9.25.19- Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $155,447.19.  Reserves required $7355.56 x 12 = $88,266.72 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 21.82%, max allowed per G/L is 43%
0352386445	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per lender Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $155,447.19.  Reserves required $7355.56 x 12 = $88,266.72 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 21.82%, max allowed per G/L is 43%
0336019690	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing Balance sheet for borrowers Sched C business	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 26.36 years.
0336019690	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 11075.23CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 10439.80. Difference is POC's of $635.43.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 26.36 years.
0336019690	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing Balance sheet for borrowers Sched C business	2.15.19 - Client responded. No Balance Sheet for borrower's Schedule C business was obtained. Per non agency guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.	2.15.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 26.36 years.
0864823692	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing signed 2016 and 2017 1040s.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Co-borrower income is not being used to qualify. CFCFS1750: High potential for increased earnings - Clayton Comments:  Gross receipts and net profits overall increasing.
0864823692	CRDCRMH193	Length of mortgage/rental history in file does not meet guideline requirement	No	Verification of Rent is missing. 0x30 last 12 months required.	3.20.19 - Client responded. Most recent 12-month rental payment history (VOR); bank statements showing the payment attached.	3.20.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Co-borrower income is not being used to qualify. CFCFS1750: High potential for increased earnings - Clayton Comments:  Gross receipts and net profits overall increasing.
0864823692	CRDINC3204	Income Documentation Missing	No	Missing signed 2016 and 2017 1040s.	3.20.19 - Client responded. Signed 2016 and 2017 1040s not obtained. Appears tax returns were self-prepared, e-filed.  3.20.19 - Clayton has reviewed. Form 8879 not provided to reflect returns e-filed. 6.14.19 - Clayton has reviewed and considers non-material based on compensating factors of potential for increased earnings and income from co-borrower not used for qualifying. Returns are in file just not signed.	3.20.19 - Exception remains. 6.14.19 - Exception remains.	(No Data)	Not Applicable	CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Co-borrower income is not being used to qualify. CFCFS1750: High potential for increased earnings - Clayton Comments:  Gross receipts and net profits overall increasing.
0864823692	CRDTER3122	Loan documents do not meet guideline requirements	No	Approved Lender Exception for use of Commingled Personal and Business Assets. Compensating factors used: 20% of their own funds being used, conservative users of credit with increasing business income. Clayton has reviewed and based on compensating factors considers non-material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Co-borrower income is not being used to qualify. CFCFS1750: High potential for increased earnings - Clayton Comments:  Gross receipts and net profits overall increasing.
0496353559	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing Supporting documentation verifying the existence of each of borrowers businesses dated within 30 days of Note date Secretary of State website Regulatory agency Contractor or professional organization CPA Other available resources	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  93.24 months in reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 62.18%. Max LTV is 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 31.78%. Max DTI is 43%
0496353559	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  93.24 months in reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 62.18%. Max LTV is 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 31.78%. Max DTI is 43%
0496353559	CRDINC2488	Verbal verification of employment missing	No	Missing Supporting documentation verifying the existence of each of borrowers businesses dated within 30 days of Note date Secretary of State website Regulatory agency Contractor or professional organization CPA Other available resources	4.10.19- Lender response: Documentation (CA Secretary of State website) verifying the existence of each XXX	4.10.19- Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  93.24 months in reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 62.18%. Max LTV is 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 31.78%. Max DTI is 43%
0496353559	PRVAVALU153	Value Not Supported	No	Desk review provided reflects a review value of $XXX, which is -12.27% down from the original appraised value of $XXX.  A field review has been ordered.	4.16.19- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.	4.16.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  93.24 months in reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 62.18%. Max LTV is 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 31.78%. Max DTI is 43%
0628571176	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1.  Missing balance sheet for XXX borrower.2.  Missing 3rd party VOE dated within 30 days of Note date of XXX	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSETS:$116,397.60 in total assets documented.  Effective amount is $116,397.60, with liquid assets of $116,397.60.  Post close reserves are $115,377.36. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.13% below guideline requirement.
0628571176	CMPROR1911	Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor	No	Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue.	4.15.19 - Client responded. Disagree with Investor: 1026.23(b)(2) Proper form of notice. To satisfy the disclosure requirements of paragraph (b)(1) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice. Model Form H-9 includes all of the information required by TILA and Regulation Z to advise borrowers of the right to rescind a consumer credit transaction.  Model Form H-8 and Model Form H-9 are substantially similar.4.15.19 - Clayton has reviewed and per the Clayton compliance department and Circuit Court for that district the H8 would be the correct form in a different Creditor refinance. Per Clayton Compliance based on the Circuit Court District this is non-material for this case.	4.15.19 - Exception remains.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSETS:$116,397.60 in total assets documented.  Effective amount is $116,397.60, with liquid assets of $116,397.60.  Post close reserves are $115,377.36. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.13% below guideline requirement.
0628571176	CRDINC2488	Verbal verification of employment missing	No	Missing 3rd party VOE dated within 30 days of the Note date of XXX	4.9.19 - Client responded. Verification of business (VOE), XXX.	4.9.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSETS:$116,397.60 in total assets documented.  Effective amount is $116,397.60, with liquid assets of $116,397.60.  Post close reserves are $115,377.36. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.13% below guideline requirement.
0628571176	CRDTER3122	Loan documents do not meet guideline requirements	No	Approved Lender exception for rate/term refinance where Borrower is not on current loan.  Borrower is on current Title.  Spouse on previous loan and on current Title.  Comp Factors: Same LOB for 13 years; 28 months reserves. Borrower and non Borrowing Spouse in subject since 12/2016. LTV 50%.   Clayton considers as non-material based upon compensating factors.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSETS:$116,397.60 in total assets documented.  Effective amount is $116,397.60, with liquid assets of $116,397.60.  Post close reserves are $115,377.36. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.13% below guideline requirement.
0724929458	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing Balance sheet for XXX business. Required per QM.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $3,206,690.69.  Reserves equal 960.41 months of PITI reserves and exceed required reserves ($3,338.88 x 12 = $40,066.56). CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.31 is below guideline requirement.
0724929458	CMPFINT106	Finance charge understated by more than $100 (Pmt Stream)	No	CD dated XXX - Finance charge $374,795.80 and Clayton calculation $375,045.80 for a difference of $250.00 and over the allowed $100 for purchase. PCCD dated XXX provided however doesn't correct error and reflects finance charge of $374,876.27 for a difference of $169.53.	4.15.19 - Client responded. Disagree.  Amount Financed is accurate.  TPR included Title - All Endorsements Fee of $160.00 in their calculations.  This is not an APR sensitive fee.4.15.19 - Clayton has reviewed. Title endorsement fees were not included in Clayton APR calculations. That being said the PCCD dated XXX corrects error.	4.15.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $3,206,690.69.  Reserves equal 960.41 months of PITI reserves and exceed required reserves ($3,338.88 x 12 = $40,066.56). CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.31 is below guideline requirement.
0724929458	CMPFINT4372	TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed	No	CD dated XXX - Finance charge $374,795.80 and Clayton calculation $375,045.80 for a difference of $250.00 and over the allowed $100 for purchase. PCCD dated XXX provided however doesn't correct error and reflects finance charge of $374,876.27 for a difference of $169.53.	4.15.19 - Client responded. Disagree.  Amount Financed is accurate.  TPR included Title - All Endorsements Fee of $160.00 in their calculations.  This is not an APR sensitive fee.4.15.19 - Clayton has reviewed. Title endorsement fees were not included in Clayton APR calculations. That being said the PCCD dated XXX corrects error.	4.15.19 - Exception satisfied.	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $3,206,690.69.  Reserves equal 960.41 months of PITI reserves and exceed required reserves ($3,338.88 x 12 = $40,066.56). CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.31 is below guideline requirement.
0101123162	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing Profit and Loss statement for Schedule C business XXX2. Missing Balance Sheet for Schedule C business XXX Docs are required per QM.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer for over 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 767. Minimum credit score required 680
0101123162	CRDAST3078	Insufficient # of months cash reserves for PITI per guideline requirements	No	Approved Lender Exception for 3 months PCL reduction - Total reserves required $45,506.76. Total reserves verified $42,632.47.   Compensating factors include:  Stable employment, excellent credit, minimal discretionary credit.  Clayton considers as non-material based upon compensating factors.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer for over 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 767. Minimum credit score required 680
0101123162	CRDCRMH193	Length of mortgage/rental history in file does not meet guideline requirement	No	Missing evidence to support satisfactory 12 month housing history of 0x30. Missing documentation to support  6/2018 rental payment for XXX	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer for over 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 767. Minimum credit score required 680
0101123162	PRVAVALU153	Value Not Supported	No	A desk review was received with a reported value of $XXX which is a variance of 10.89% less than the original appraised value of $XXX. A field review has been ordered.	4.15.19- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.	4.15.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer for over 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 767. Minimum credit score required 680
0150952413	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing P&L and Balance sheet. Lender guides allow underwriter to waive but per QM P&L/Balance sheets required.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current line of work for over 18 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has worked at XXX at current job for over 4 years.
0150952413	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current line of work for over 18 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has worked at XXX at current job for over 4 years.
0333468038	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing signature and date on 2017 personal tax return.  Missing signature on 2016 and 2017 1120S returns.	8.13.19 - Client responded. Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.8.13.19 - Clayton has reviewed; per QM the returns have to be signed by borrower. PIN is not allowed. 8.14.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly.	8.13.19 - Exception remains. 8.14.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793 credit score. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of $2,456,239.04 or 558.32 months PITIA.
0333468038	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 3998.89CD: XXX1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 3476.46. Difference is POC's of $522.43.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793 credit score. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of $2,456,239.04 or 558.32 months PITIA.
0333468038	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client; Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793 credit score. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of $2,456,239.04 or 558.32 months PITIA.
0333468038	CRDINC150	Income docs do not meet guidelines	No	Lender approved exception for the following:  (1) Borrower has less than two years property management experience and rental income is being used to qualify. Compensating factors include 793 qualifying score. Min required per guidelines is 720, Verified cash reserves $2,456,329.04 558.32 months, guidelines require 12 months PITIA and $13k/mo. residual income, Clayton considers non-material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793 credit score. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of $2,456,239.04 or 558.32 months PITIA.
0333468038	CRDLGL100	Legal document incorrect or incomplete	No	Missing final signed settlement statement or similar signed document that was signed by at least the settlement agent indicating a cash purchase within 90 days prior to the application.  The documentation is required in order to base the LTV/CLTV and cash-out amount on the purchase LTV/CLTV matrix.  File contained a buyer's final settlement statement dated XXX  that was not signed by the settlement agent at a minimum.  Compensating factors include 793 qualifying score. Min required per guidelines is 720, Verified cash reserves $2,456,329.04 558.32 months, guidelines require 12 months PITIA and $13k/mo. residual income, Clayton considers non-material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793 credit score. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of $2,456,239.04 or 558.32 months PITIA.
0333468038	CRDTER3262	Property issues indicated	No	Lender approved exception for Condo Mortgagee responsible for greater than six months HOA dues in event of foreclosure or deed in lieu of foreclosure.  Per Lender the appraised value is considered to be reasonable and supported.  Lender also stated that NPRES has researched the project and determined that this loan will likely be eligible for streamline condo review based on the current loan parameters and LTV. Compensating factors include 793 qualifying score. Min required per guidelines is 720, Verified cash reserves $2,456,329.04 558.32 months, guidelines require 12 months PITIA and $13k/mo. residual income, Clayton considers non-material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793 credit score. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of $2,456,239.04 or 558.32 months PITIA.
0928143050	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing LOX from borrower to explain gap over 30 days from previous end date 7/31/18 to hire date of current employment on 9/4/18; UDS underwriter explains that borrower is increasing in income, same line of work, moving from XXX to full time, however does not acknowledge the more than 30 day gap itself or mention the rational for not requiring an explanation from the borrower.	7.26.19 - Client responded. "Per lender's credit policy, gaps in employment may not require an explanation from the borrower if the underwriter determines that gaps have not affected employment stability or continuance.  Borrower's employment gap from 8/1/2018 to 09/03/2018 (34 days) was addressed in lender's file in the employment/income history (attached) and not loan notes:  'Relocated from XXX to XXX PA for XXX employment'. 7.26.19 - Clayton has reviewed and LOX from borrower is required per QM. 7.29.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly	7.26.19 - Exception remains. 7.29.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.08%, max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 793 and minimum required is 680. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history with no late pays or derogatory history.
0928143050	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client - Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.08%, max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 793 and minimum required is 680. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history with no late pays or derogatory history.
0928143050	CRDCRMH193	Length of mortgage/rental history in file does not meet guideline requirement	No	Less than 12 months verified housing payment history provided; VORs required for XXX and XXX to complete the guideline requirement.	7.26.19 - Client responded. "Per lender's credit policy, underwriter's may use judgment regarding the number of months housing history is verified.  Loan is a refinance of an existing XXX loan (XXX) that closed XXX for the purpose of purchasing subject property.  Underwriter's notes (attached) state an exception was approved on the prior loan for no rental payment history as it was verified that borrower's fiance was paying the prior housing expense; underwriter used discretion to accept payment history on purchase loan as no further documentation could be obtained.  At closing of this loan (XXX), borrower had made 6 payments as agreed (copy of lender's online mortgage pay history attached).	7.26.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.08%, max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 793 and minimum required is 680. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history with no late pays or derogatory history.
0928143050	CRDINC2340	Employment verification does not meet guidelines	No	Missing LOX from borrower to explain gap over 30 days from previous end date 7/31/18 to hire date of current employment on 9/4/18; UDS underwriter explains that borrower is increasing in income, same line of work, moving from XXX to full time, however does not acknowledge the more than 30 day gap itself or mention the rational for not requiring an explanation from the borrower.  Based on 27.08% DTI, 37 mo. reserves, $21K/mo. in residual income, Clayton considers non-material.	7.26.19 - Client responded. "Per lender's credit policy, gaps in employment may not require an explanation from the borrower if the underwriter determines that gaps have not affected employment stability or continuance.  Borrower's employment gap from 8/1/2018 to 09/03/2018 (34 days) was reflected in lender's file in the employment/income history (attached) and not loan notes:  'Relocated from XXX to XXX for XXX employment'.	7.26.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.08%, max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 793 and minimum required is 680. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history with no late pays or derogatory history.
0893713685	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing balance sheet for Sched C borrower.	7.26.19 - Client responded. Lender's proprietary policy gives underwriters discretion to accept alternate documentation or waive current P&Ls and/or balance sheet.  Borrower advised via e-mail that they prepare their own taxes and do not have a CPA that they normally use; borrower generated a P&L through XXX and underwriter used discretion to satisfy the stipulation based on the P&L received.  7.26.19 - Clayton has reviewed and although lender guides allow the balance sheet to be waived it is a requirement of QM. 7.29.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly.	7.26.19 - Exception remains. 7.29.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 47 months reserves. 12 months required for this program. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer for 11 years.
0893713685	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Client - Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 47 months reserves. 12 months required for this program. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer for 11 years.
0377384031	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing lease for XXX. Property is a XXX and only leases for A-1, B, and C were received. 2. Missing Balance Sheet for the borrower's SCH C business- Real Estate Sales.	1.27.20 - Client responded. 1- Unable to locate missing lease for XXX. 2- No balance sheet was obtained for borrower's Schedule C business (Real Estate Sales). Per policy, the underwriter has discretion to waive financial statements for a XXX borrower. Borrower qualifies with reported loss (-152/mo) and has minimal impact on ratios.1.27.20 - Clayton has reviewed and the leases and balance sheet are a requirement of QM. 1.28.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly	1.27.20 - Exception remains. 1.28.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $893,370.54.  Per program guidelines, 12mo PITI/PL  required or $42,381.60. CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 7+ years.
0377384031	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Lender - Re-status loan as Non-QM and re-grade accordingly	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $893,370.54.  Per program guidelines, 12mo PITI/PL  required or $42,381.60. CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 7+ years.
0377384031	CRDCRMH104	Credit score below guidelines	No	Lender approved exception for credit score of 686 where 720 is required.  Clayton considers non-material based on compensating factors of low LTV of 33.33% and cash reserves of over 252 months VS 12 months required	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $893,370.54.  Per program guidelines, 12mo PITI/PL  required or $42,381.60. CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 7+ years.
0104395200	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing lease agreements to validate rental income used for rental properties. Borrower has 3 rental properties and only one lease provided. 2. Missing tax verification for rental properties; per final 1003 T&I are paid separately from P&I showing on credit report.	7.23.19 - Client responded. "Per lender's credit policy, lease agreements are not required to validate rental income if rental management experience and income history is verified with the most recent two years 1040s.  Three rental properties were disclosed: XXX; XX; and XXX; all three are reflected on the 2017 and 2018 1040s Schedule E (attached) so current leases are not required.  Property taxes for all three rentals are included in the mortgage payments disclosed on the credit report; 2018 1098s for each property were obtained (attached) to confirm taxes disbursed by the lender.  Tax amounts for each property are also reflected on the Schedule E for each property.  Note: Income reported from XXX was not used to qualify as borrower disclosed property will be sold closing.7.23.19 - Clayton has reviewed and item 2 is satisfied but item 1 is a requirement per QM as QM requires copies of leases  as well as returns. 7.24.19 - Client responded. Re-status Loan as Non-QM and re-grade accordingly.	7.23.19 - Exception remains.7.24.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as VP of XXX for the past 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  802 Credit score exceeds guidelines minimum  680.
0104395200	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client responded. Re-status Loan as Non-QM and re-grade accordingly post review.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as VP of XXX for the past 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  802 Credit score exceeds guidelines minimum  680.
0104395200	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing tax verification for rental properties; per final 1003 T&I are paid separately from P&I showing on credit report. Based on 802 qual score, 58 months of reserves and $10,729/mo. residual income, Clayton considers non-material.	7.23.19 - Client responded. "Tax amounts for all rental properties are reflected on the 1040s Schedule E; 2018 Mortgage Interest Statements (1098s) for each property also verify tax amounts paid by lender.	7.23.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as VP of XXX for the past 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  802 Credit score exceeds guidelines minimum  680.
0104395200	CRDINC3204	Income Documentation Missing	No	Missing lease agreements to validate net rental income used for rental properties. Borrower has 3 rental properties and only one lease provided.	7.23.19 - Client responded. Per lender's credit policy, lease agreements are not required if prior two years taxes returns verify rental income and rental management experience. 1040s document net rental income used for qualifying.	7.23.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as VP of XXX for the past 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  802 Credit score exceeds guidelines minimum  680.
0866262796	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing the signature pages of the 2018 1040 personal  tax return for B1 and B2.	7.22.19 - Client responded. Signature page of the 2018 1040 personal tax return attached. Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting. 7.22.19 - Clayton has reviewed and although the lender guides allow a PTIN from CPA this is not acceptable under QM. Returns have to be signed by borrower. 7.23.19 - Client responded. Re-status Loan as Non-QM and re-grade accordingly	7.22.19 - Exception remains. 7.22.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  796 qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $38,033.74 are equal to 13.96 months PITI.  Required reserves are $32,688.72 ($2,724.06 PITI x 12).
0866262796	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	per lender - Re-status Loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  796 qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $38,033.74 are equal to 13.96 months PITI.  Required reserves are $32,688.72 ($2,724.06 PITI x 12).
0866262796	CRDINC2408	Income verification does not meet guidelines	No	Missing the signature pages of the 2018 1040 personal  tax return for B1 and B2.	7.22.19 - Client responded. Signature page of the 2018 1040 personal tax return attached. Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.	7.22.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  796 qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $38,033.74 are equal to 13.96 months PITI.  Required reserves are $32,688.72 ($2,724.06 PITI x 12).
0408978855	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing VVOE for B2 within 20 days of note date.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI 43% current DTI  23.59% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Maximum LTV 80% Current LTV   64.29%
0408978855	CRDINC2488	Verbal verification of employment missing	No	Missing VVOE for B2 within 20 days of note date.	3.19.19 - Client responded. VVOE obtained (in file) for B2 was for incorrect borrower.	3.19.19 - Exception remains.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI 43% current DTI  23.59% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Maximum LTV 80% Current LTV   64.29%
0525245910	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1.) Missing the Borrower's most recent quarter signed business P&L and Balance Sheets.  2.) The Borrower is self-employed. The supporting documentation in the loan file verifying the existence of the business is dated 12/26/2018 is past the close date of XXX. Guidelines require a verbal verification of employment (VVOE) to be verified within 30 days prior to the closing date.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 760; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower #1 has been XXX for over 8 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has an overall good credit history. No public record findings.
0525245910	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client requested re-status to Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 760; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower #1 has been XXX for over 8 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has an overall good credit history. No public record findings.
0525245910	CRDINC2496	Verbal verification of employment completed outside the stated requirements and/or after closing/funding	No	The Borrower is self-employed. The supporting documentation in the loan file verifying the existence of the business is dated 12/26/2018 is past the close date of XXX. Guidelines require a verbal verification of employment (VVOE) to be verified within 30 days prior to the closing date.	2.7.19 - Client responded. VOE thru NYS Department of State attached. Date of incorporated XXX, current entity status: active.	2.7.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 760; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower #1 has been XXX for over 8 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has an overall good credit history. No public record findings.
0451869153	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing verification of taxes, insurance, and HOA dues or mortgage statement for verification of escrows for XXX2. Missing signed and dated Profit and Loss Statement and Balance Sheet for XXX3. Missing independent third party verification of XXX4. Missing verification of terms and conditions for subject property's secondary financing totaling $XXX	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer over 29 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0451869153	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer over 29 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0451869153	CRDAST3036	Assets reflect unsourced deposits	No	Missing satisfactory source of large deposit totaling $1,051,968.87 deposited into XXX	2.12.19 - Client responded. Per underwriter notes dated 12-14-2018, borrower closed the XXX and transferred the funds to XXX statement dated 11-30-2018 was used to source the XXX deposit on 12-5-2018. Copy of underwriter notes and XXX statement attached.	2.12.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer over 29 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0451869153	CRDAST2354	Asset Verification In File is Incomplete Per Requirements	No	Missing Verification borrower XXX are the same person. Bank account with XXX is one of three account ho lders.	2.12.19 - Client responded. XXX reflects three depositors: XXX.  Per borrowers' 1040s (page one attached), XXX is borrowers' daughter.  Borrowers' credit report reflects multiple variations of borrower's name associated with his social security number or reported as AKAs: XXX (copy of the applicable credit report pages attached).	2.12.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer over 29 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0451869153	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing verification of taxes, insurance, and HOA dues or mortgage statement for verification of escrows XXX	2.12.19 - Client responded. Lender's servicing records (Online Payoff Service) for XXX reflect monthly PITI is $9743.23. Copy of lender's OPS record attached; note lien amount reflected in PITI is school tax.  Appraisal in lender's servicing file indicates property is a single family residence with no HOA fees (page one of appraisal attached).	2.12.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer over 29 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0451869153	CRDINC2488	Verbal verification of employment missing	No	Missing independent third party verification of XXX	2.12.19 - Client responded. Non agency guidelines require the decisioner to verify the existence of the business using resources available, including CPA, regulatory agencies or Secretary of State websites. The XXX website reflected XXX business status as active on XXX	2.12.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer over 29 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0451869153	CRDINC3204	Income Documentation Missing	No	Missing signed and dated Profit and Loss Statement and Balance Sheet for XXX	2.12.19 - Client responded. Non agency guidelines permit waiver of current profit & loss statements and/or balance sheets.  Underwriter used judgment to waive the P&L and Balance Sheet for XXX  12-14-2018, notes reflect the following justification: Income represents only 7.8% of total qualifying income, company has been in business since 1988 and DTI would be within guidelines (38%) if not used for qualifying.	2.12.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer over 29 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0451869153	CRDLGL137	Missing copy of 2nd lien Note (subject is 1st lien)	No	Missing verification of terms and conditions for subject property's secondary financing totaling $XXX	2.12.19 - Client responded. Second mortgage is a home equity line of credit with XXX.  Loan amount and line of credit limit is $XXX; monthly payment is calculated at initial rate (4.50%) fully amortized for 30 years (draw period plus 240 months) equal to $3299.66. Copy of XXX Home Equity Account Agreement and Disclosure attached.	2.12.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer over 29 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0281282681	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	Lender declared QM/XXX. Missing P&L and Balance Sheet for business as required for status determination by lender.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 22.94 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a 786 credit score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI back end is 23.78%.
0281282681	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client requested re-status to Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 22.94 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a 786 credit score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI back end is 23.78%.
0281282681	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	No inspection since the  XXX  ---   Fema Disaster   ----   XXX. Appraisal was completed XXX	1.28.19 - PDI provided and no damage.	1.28.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 22.94 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a 786 credit score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI back end is 23.78%.
0086336495	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing rental leases for REOs at XXX as required per Appendix Q.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  762 qualifying score. Min required per guidelines is 720. CFCFS1736: Significant time at current residence - Clayton Comments:  17 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  40% LTV  max is 70%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $108893.01.   Reserves required $3887.88   x 12 = $46,654.56.
0086336495	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	Final CD XXX-.  Closing Costs Financed (Paid from Your Loan Amount)  $4481.96  Total POC $635.43  Lender states 4481.96 closing costs financed , 4481.96 - POC 635.43 = 3846.53.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  762 qualifying score. Min required per guidelines is 720. CFCFS1736: Significant time at current residence - Clayton Comments:  17 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  40% LTV  max is 70%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $108893.01.   Reserves required $3887.88   x 12 = $46,654.56.
0710969555	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	File is missing a balance sheet for Borrower 1 business as required per QM.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX with current business for 8.61 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  60.77% LTV is  is below the maximum allowed LTV of 70%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $468,224.10 which exceeds required reserves of $37,912.08
0710969555	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX with current business for 8.61 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  60.77% LTV is  is below the maximum allowed LTV of 70%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $468,224.10 which exceeds required reserves of $37,912.08
0934091468	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1.Missing LOX for B1 from  XXX to explain evident gaps over 30 days within the past 24 months from previous to current employer.  Only the VVOE is in file from the current employer and Final 1003 is reflecting gaps over 30 days between employers. 2. Missing signed/dated 2016/2017 personal and/or business tax returns to verify XXX evidenced from Final 1003 (2011-present) and to verify ownership% and no net income loss from business.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in current profession for 29 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  325,609.25  post closing cash reserves;   or 111.14 months PITIA all properties owned..  12 months PITIA required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has a 28.04% DTI back end, max DTI is 43%.
0934091468	CRDAST205	Insufficient Funds to Close	No	Required funds to close were $122804.92 , borrower has liquid assets totaling $103,243.16. File is short to close liquid funds of $19,561.76, proof of liquidation for retirement assets is not in the loan file. Proof of the sale or liquidation is required.	2.6.19 - Client responded. Proof of liquidation for retirement assets attached.	2.6.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in current profession for 29 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  325,609.25  post closing cash reserves;   or 111.14 months PITIA all properties owned..  12 months PITIA required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has a 28.04% DTI back end, max DTI is 43%.
0934091468	CRDINC3204	Income Documentation Missing	No	Missing signed/dated 2016/2017 personal and/or business tax returns to verify XXX evidenced from Final 1003 (2011-present) and to verify ownership% and no net income loss from business.  Downgraded to non-material.	2.6.19 - Client responded. 2016/2017 tax returns not obtained.	2.6.19 - Exception remains.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in current profession for 29 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  325,609.25  post closing cash reserves;   or 111.14 months PITIA all properties owned..  12 months PITIA required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has a 28.04% DTI back end, max DTI is 43%.
0934091468	CRDINC2340	Employment verification does not meet guidelines	No	Missing LOX for B1 from XXX to explain evident gaps over 30 days within the past 24 months from previous to current employer.  Only the VVOE is in file from the current employer and Final 1003 is reflecting gaps over 30 days between employers. Downgraded to non-material.	2.6.19 - Client responded. Summary of employment attached. 2.6.19 - Clayton has reviewed and LOX provided for employment gap and timelines.	2.6.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in current profession for 29 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  325,609.25  post closing cash reserves;   or 111.14 months PITIA all properties owned..  12 months PITIA required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has a 28.04% DTI back end, max DTI is 43%.
0409210611	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing 2 years signed 1065s for XXX; P&L and Balance Sheet may be required.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70%; maximum allowed 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  36 months of mortgage payments made as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  769/747. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  13 years with the same employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves $519,577.53 = 122 months of PITI payments for the subject property.
0409210611	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 7717.02 actual calculation 7151.59 closing costs 7717.02 - POC 565.43 = 7151.59	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70%; maximum allowed 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  36 months of mortgage payments made as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  769/747. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  13 years with the same employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves $519,577.53 = 122 months of PITI payments for the subject property.
0409210611	CRDINC150	Income docs do not meet guidelines	No	Missing 2 years signed 1065s for XXX; P&L and Balance Sheet may be required.  Downgraded to non-material.	2.14.19 - Client responded. 2 years signed 1065s for XXX were not obtained. See underwriting notes and borrower correspondence regarding XXX (2 attachments). 2.14.19 - Clayton has reviewed borrower's following comments - The XXX is a XXX owned by all 5 brothers. It was the XXX and was repurchased several years ago by the 5 brothers. The income from the land rental is minimal and pays part of the taxes. There is no other income. UW Notes reflect not asking for 2 years returns on the partnership XXX...the schedule F is filled out with the major details in regards to the profit/loss and overall loss. Both years are close but will use 2017 as it is a little more of a loss so -$2722 per month.	2.14.19 - Exception remains.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70%; maximum allowed 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  36 months of mortgage payments made as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  769/747. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  13 years with the same employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves $519,577.53 = 122 months of PITI payments for the subject property.
0409210611	CRDTER109	Cash Out Amount Exceeds Guidelines	No	Lender approved an exception to allow cash out of $560K when the maximum for the program is $400K. Offsets:$24K in residual income, demonstrated willingness and ability to repay.	2.14.19 - Client responded. LVAM approved exception - Allowable cash out dollar amount. Exception approved under the PCO delegated authority. 2.14.19 - Clayton has reviewed and based on compensating factors considers non-material.	2.14.19 - Exception remains.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70%; maximum allowed 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  36 months of mortgage payments made as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  769/747. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  13 years with the same employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves $519,577.53 = 122 months of PITI payments for the subject property.
0939412075	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Provide documentation supporting Taxes &Insurance $1174 for departing residence as stated on final 1003.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 21% below guideline requirement CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 804 exceeds guidelines
0939412075	CMPRESPA863	RESPA: Required Affiliate Business Disclosure missing	No	Required Affiliate Business Disclosure missing.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 21% below guideline requirement CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 804 exceeds guidelines
0939412075	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Provide documentation supporting Taxes &Insurance $1174 for departing residence as stated on final 1003.	4.3.19 - Client responded. Tax bill (attached) for departure residence shows town and county taxes for 2018-2019 in the amount of $11,664.63; unable to locate insurance document to support $1092 annual hazard insurance.   Lender loan notes state departure residence to be listed for sale XXX. Internet listing (attached) confirms property was listed XXX.  ATR/QM is not adversely impacted by missing documentation to support $91 monthly insurance; compensating factors include DTI 21.11%, LTV 60%, residual income $25,331, FICO 788, $1.6 million reserves (excluding proceeds from sale of departure).4.3.19 - Clayton has reviewed. As a credit exception we consider non-material based on the compensating factors.	4.3.19 - Exception remains.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 21% below guideline requirement CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 804 exceeds guidelines
0340510098	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing signed balance sheet for B2 Schedule C business.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(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 27.41%, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  173 months PITI reserves verified, max per guidelines is 12 months
0340510098	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	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 27.41%, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  173 months PITI reserves verified, max per guidelines is 12 months
0389743079	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing signed balance sheet for B1's Schedule C business. 2. Missing vvoe completed within 30 days of the Note date (XXX) for B1's Schedule C business.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV of 75% is 5% less than the maximum of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 794 exceeds the guideline minimum of 720.
0389743079	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV of 75% is 5% less than the maximum of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 794 exceeds the guideline minimum of 720.
0389743079	CRDINC2488	Verbal verification of employment missing	No	Missing vvoe completed within 30 days of the Note date (XXX) for B1's Schedule C business.	4.1.19 - Client responded. Existence of B1's Schedule C business (VOE) within 30 days of the Note date attached.	4.1.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV of 75% is 5% less than the maximum of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 794 exceeds the guideline minimum of 720.
0194389717	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing documentation to verify HOA dues not more than $65.00 per month for XXX, HI. Provide satisfactory documentations to verify monthly HOA dues not more than $65.00	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 31.19% is below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  39.86  months PITI reserves verified, per guidelines 12 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is45.08%; max allowed per guidelines is 80.00%.
0194389717	CMPRESPA863	RESPA: Required Affiliate Business Disclosure missing	No	Lender must provide the Affiliate Business Disclosure.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 31.19% is below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  39.86  months PITI reserves verified, per guidelines 12 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is45.08%; max allowed per guidelines is 80.00%.
0194389717	CMPTRID3670	TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation	No	CD's dated XXXZero Tolerance fee exceeded by $700 due to a decrease in Lender's Credit with no valid COC located in the loan file.LE Lender Credit $1670CD Lender Credit $250Lender must provide an LOX, corrected CD, refund and proof of delivery to the borrower within 60 days of closing.	3.13.19 - Client responded. "Disagree.  Loan Estimate disclosed lender credits for $1670.00.  The consummation CD and the Post-Close CD both disclosed the lender paid fees and lender credits totaling $1670.00.  The Paid by Others column disclosed $1,350.00 lender paid Processing Fee and $70.00 lender paid Tax Service.  Section J Lender Credits is $250.00. $1,350.00 + $70.00 + $250.00 = $1,670.00 Lender Credit.3.13.19 - Clayton has reviewed and Lender Credit for section A as well as lender credit in section J total $1670 as required.	3.13.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 31.19% is below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  39.86  months PITI reserves verified, per guidelines 12 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is45.08%; max allowed per guidelines is 80.00%.
0194389717	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing documentation to verify HOA dues not more than $65.00 per month for XXX, HI. Provide satisfactory documentations to verify monthly HOA dues not more than $65.00.   Clayton considers non-material based on compensating factors	3.25.19 - Client responded. Unable to locate documentation to verify monthly HOA dues for property XXX.	3.25.19 - Exception remains.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 31.19% is below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  39.86  months PITI reserves verified, per guidelines 12 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is45.08%; max allowed per guidelines is 80.00%.
0194389717	PRVAAPPR3116	Missing updated valuation	No	Missing PDA to support original appraised value.	3.11.19- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX	3.11.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 31.19% is below guideline maximum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  39.86  months PITI reserves verified, per guidelines 12 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is45.08%; max allowed per guidelines is 80.00%.
0028699661	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing balance sheet for XXX B1 as required per QM.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since March 1993. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0028699661	CMPTRID4285	TRID - CD: The value for Loan Amount in the LE column of the CD's Calculating Cash to Close table (Alt Version) is different from the value disclosed on the last LE	No	CD dated XXX Calculating Cash to Close reflects Loan amount as $XXX which does not match to last disclosed LE of $XXX	4.15.19 - Client responded. Disagree. Settlement agent CD inadvertently signed at consummation with missing Loan Calculations and Partial Payment selection.  Lender consummation CD is complete and accurate.  See attached.   Prior Response 4/5/19: Agree. Multiple and unique final CDs were signed by the borrower(s) at consummation on XXX. One of these CDs is a Settlement Agent (Title Company) CD which is incomplete. One of the incomplete items is the Partial Payments section in which no option was chosen. The lender final CD is complete and accurate. Remediation Requested	4.15.19 - Exception satisfied.	Non-Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since March 1993. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0028699661	CMPTRID4299	TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE	No	LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: -12838CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: 0.00	4.15.19 - Client responded. Disagree. Settlement agent CD inadvertently signed at consummation with missing Loan Calculations and Partial Payment selection.  Lender consummation CD is complete and accurate.  See attached.   Prior Response 4/5/19: Agree. Multiple and unique final CDs were signed by the borrower(s) at consummation on XXX. One of these CDs is a Settlement Agent (Title Company) CD which is incomplete. One of the incomplete items is the Partial Payments section in which no option was chosen. The lender final CD is complete and accurate. Remediation Requested	4.15.19 - Exception satisfied.	Non-Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since March 1993. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0028699661	CMPTRID4309	TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE	No	LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: 3886CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: 0.00	4.15.19 - Client responded. Disagree. Settlement agent CD inadvertently signed at consummation with missing Loan Calculations and Partial Payment selection.  Lender consummation CD is complete and accurate.  See attached.   Prior Response 4/5/19: Agree. Multiple and unique final CDs were signed by the borrower(s) at consummation on XXX. One of these CDs is a Settlement Agent (Title Company) CD which is incomplete. One of the incomplete items is the Partial Payments section in which no option was chosen. The lender final CD is complete and accurate. Remediation Requested	4.15.19 - Exception satisfied.	Non-Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since March 1993. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0028699661	CMPTRID4312	TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE	No	LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Total Payoffs and Payments, Value: -773276CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Total Payoffs and Payments (K) - Loan Estimate, Value: 0	4.15.19 - Client responded. Disagree. Settlement agent CD inadvertently signed at consummation with missing Loan Calculations and Partial Payment selection.  Lender consummation CD is complete and accurate.  See attached.   Prior Response 4/5/19: Agree. Multiple and unique final CDs were signed by the borrower(s) at consummation on XXX. One of these CDs is a Settlement Agent (Title Company) CD which is incomplete. One of the incomplete items is the Partial Payments section in which no option was chosen. The lender final CD is complete and accurate. Remediation Requested	4.15.19 - Exception satisfied.	Non-Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since March 1993. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0028699661	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 0.00CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 15262.49	4.15.19 - Client responded. Disagree. Settlement agent CD inadvertently signed at consummation with missing Loan Calculations and Partial Payment selection.  Lender consummation CD is complete and accurate.  See attached.   Prior Response 4/5/19: Agree. Multiple and unique final CDs were signed by the borrower(s) at consummation on XXX. One of these CDs is a Settlement Agent (Title Company) CD which is incomplete. One of the incomplete items is the Partial Payments section in which no option was chosen. The lender final CD is complete and accurate. Remediation Requested	4.15.19 - Exception satisfied.	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since March 1993. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0028699661	CMPTRID3970	TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections.	No	CD dated XXX Loan Disclosures - Partial Payments not option chosen.	4.5.19 - Client responded. Agree.  Multiple and unique final CDs were signed by the borrower(s) at consummation on XXX.  One of these CDs is a Settlement Agent (Title Company) CD which is incomplete.  One of the incomplete items is the Partial Payments section in which no option was chosen.  The lender final CD is complete and accurate. Remediation Requested4.15.19 - Client responded. Disagree. Settlement agent CD inadvertantly signed at consummation with missing Loan Calculations and Partial Payment selection.  Lender consummation CD is complete and accurate.  See attached.   Prior Response 4/5/19: Agree. Multiple and unique final CDs were signed by the borrower(s) at consummation on XXX. One of these CDs is a Settlement Agent (Title Company) CD which is incomplete. One of the incomplete items is the Partial Payments section in which no option was chosen. The lender final CD is complete and accurate. Remediation Requested	4.5.19 - Exception remains. 4.15.19 - Exception satisfied.	Non-Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since March 1993. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0028699661	CRDLTV3028	LTV Exceeds Guideline Requirement by 10% or more	No	Approved Lender Exception for LTV of 80% exceeding maximum LTV of 70% for primary residence cash out refinance.  Exception approved due to large home improvements documented. Borrowers not receiving cash at closing. Paying off non purchasing money HELOC that was used for improvements to property.  Compensating factors used to approve exception: 809 qual score, B1 20 years in XXX business, B2 27 years in profession, 87 months reserves, $23,157/mo. residual income.  Clayton considers non-material based on compensating factors.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since March 1993. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0266736486	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing verification to support borrowers  do not own XXX listed on the third party fraud report.  If property is still owned, provide evidence to support  PITIA associated to the property. 2. Missing Profit and Loss Statement for XXX 3. Missing Balance Sheet for XXX 4. Missing signed/dated copies of 2016 and 2017 personal federal income tax returns	7.8.19 - Client responded. 1- Property located at XXX is a XXX borrower purchased in 2003. The property is owned free and clear supported by tax returns; taxes/insurance (expenses) paid for by the Schedule C business. Property information and details attached.  2- 2018 year-end (CPA prepared) Profit and Loss Statement and  3- Balance Sheet for Schedule C business XXX attached.  4-  Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting. 2016, 2017 personal tax returns include PTIN.7.8.19 - Clayton has reviewed and items 1,2 & 3 are clear. Item 4 PTIN not allowed per QM. Signature required by borrower. 7.9.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly	7.8.19 - Exception remains. 7.9.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 4691.26CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4170.83	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486	CMPTRID4374	TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number	No	LE XXX Section: Calculating Cash To Close section,  Estimated Closing Costs Financed (Paid from your Loan Amount) value reflects -$6226 and should be positive $6226.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Lender request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486	CRDCRMH104	Credit score below guidelines	No	Qualifying credit score of 703 is below required score of 720. File includes an approved exception for credit score below minimum credit score of 720. Clayton considers this non-material based on compensating factors of low DTI ratio of 33.59% and current length of time with employer and time at current residence	7.8.19 - Client responded. LVAM exception - 20 point loan score variance (680 min). Approved under the PCO delegated authority. Compensating factors offset risk.	7.8.19 - Exception remains.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486	CRDCRMH193	Length of mortgage/rental history in file does not meet guideline requirement	No	Missing verification of 4/2019 and 5/2019 mortgage payments for XXX	7.8.19 - Client responded. Acceptable VOM for the previous 12 months' activity for XXX	7.8.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing verification to support borrowers  do not own XXX listed on the third party fraud report.  If property is still owned, provide evidence to support  PITIA associated to the property.	7.8.19 - Client responded. Property located at XXX is a XXX borrower purchased in 2003. The property is owned free and clear supported by tax returns; taxes/insurance (expenses) paid for by the Schedule C business. Property information and details attached.	7.8.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486	CRDINC2496	Verbal verification of employment completed outside the stated requirements and/or after closing/funding	No	Missing Verbal Verification of Employment dated within 30 days of closing for XXX borrower. Verification documentation in file is dated 3/21/2019. Subject loan transaction closed XXX.	7.8.19 - Client responded. Existence of XXX for XXX attached.	7.8.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486	CRDTER109	Cash Out Amount Exceeds Guidelines	No	Cash out of $485,829.17 exceeds the maximum allowed of $350,000. File includes an approved exception for cash out exceeds $350,000 maximum allowed. Clayton considers this non-material based on compensation factors of low DTI ratio of 33.59% and current length of time with employer and time at current residence	7.8.19 - Client responded. LVAM exception - Allowable cash out dollar amount. Approved under the PCO delegated authority. Compensating factors offset risk.	7.8.19 - Exception remains.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employed with current employer for over 38 years
0216132218	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing two years signed tax returns to support commission income used for qualifying. Required per QM.	8.8.19 - Client responded. Per lender guidelines, two years tax returns not required to support commission income. Recent YTD paystub, most recent two years W-2's and year-end paystub's obtained to support commission income used for qualifying.8.8.19 - Clayton has reviewed and although lender guides do not require...QM specifically states for Commission Income 2 years tax returns are required. 8.9.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly.	8.8.19 - Exception remains. 8.9.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in XXX for 35 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 0x30 for 40 months on subject property.
0216132218	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client - Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in XXX for 35 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 0x30 for 40 months on subject property.
0738508713	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing evidence of tax payment for land located at XXX. Also missing balance sheet for XXX Sched C borrower.	7.26.19 - Client responded. Per underwriter's decision notes, borrower acquired XXX and an adjacent lot at XXX.  She did not claim the properties on her 2017 tax returns but both properties are reflected as one entry on 2018 Schedule E (XXX).  Property taxes reported on line 16 of Schedule E ($7,521) would include taxes for both properties. Copies of underwriter's notes, 2018 Schedule E and property profiles attached.Lender's proprietary policy gives underwriters discretion to accept alternate documentation or waive current P&Ls and/or balance sheet. 7.26.19 - Clayton has reviewed and item 1 is cleared but item 2 remains for P&L's and Balance sheets as although lender guides allow them to be waived they are a requirement of QM. 7.29.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly	7.26.19 - Exception remains. 7.29.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided at subject property for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been a XXX  for 9 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in XXX industry for 30 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 0x30 for 153 months on subject property. CFCFS1744: DTI below guideline requirement - Clayton Comments:  31.81% DTI is below the 43% maximum allowed.
0738508713	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client - Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided at subject property for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been a XXX  for 9 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in XXX industry for 30 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 0x30 for 153 months on subject property. CFCFS1744: DTI below guideline requirement - Clayton Comments:  31.81% DTI is below the 43% maximum allowed.
0738508713	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing evidence of tax payment for land located at XXX. Based on 31.81% DTI, 45.26% LTV, 817 qual score, 67 months reserves and $12K/mo residual income, Clayton considers non-material.	7.26.19 - Client responded. Per underwriter's decision notes, XXX and XXX are reflected as one entry on 2018 Schedule E (XXX, XXX').  Property taxes reported on line 16 of Schedule E ($7,521) would include taxes for both properties. Copies of underwriter's notes, 2018 Schedule E and property profiles attached.	7.26.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided at subject property for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been a XXX  for 9 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in XXX industry for 30 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 0x30 for 153 months on subject property. CFCFS1744: DTI below guideline requirement - Clayton Comments:  31.81% DTI is below the 43% maximum allowed.
0816150918	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing third party VVOE for each borrowers Schedule C business2. Missing 2018 year end and Balance Sheet for B1 Schedule C business & B2 Schedule C business.	6.28.19 - Client responded. 1- Evidence of borrower(s) Schedule C business attached. XXX XXX (XXX). Same business address for both sole proprietorships.  2- No 2018 year-end balance sheet was obtained for either Schedule C business. Per lender guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.6.28.19 - Clayton has reviewed and condition 1 cleared but condition 2 for balance sheet is a QM requirement. 7.1.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly.	6.28.19 - Exception remains. 7.1.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10.42 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been XXX for 10.42 years.
0816150918	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has $8655.88 actual calculation 9898.90 closing costs $8655.88 - POC $635.43 = $8020.45.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10.42 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been XXX for 10.42 years.
0816150918	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client has changed status after review to Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10.42 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been XXX for 10.42 years.
0816150918	CRDCRMH193	Length of mortgage/rental history in file does not meet guideline requirement	No	Missing 6 months of mortgage history, last reporting date on CR XXX	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10.42 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been XXX for 10.42 years.
0816150918	CRDINC2488	Verbal verification of employment missing	No	Missing third party VVOE for each borrowers Schedule C business	6.28.19 - Client responded. Evidence of borrower(s) Schedule C business attached. XXX at XXX (XXX). Same business address for both sole proprietorships.	6.28.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10.42 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been XXX for 10.42 years.
0816150918	CRDLGL2642	Missing proof that HELOC has been paid and closed to future draws	No	Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close signed and dated by borrowers.	6.28.19 - Client responded. Confirmation of closure for XXX HELOC attached. Title Insurance Policy, Demand Statement and Closing Disclosure also attached to support XXX HELOC has been paid-in-full and restricted from future advances.	6.28.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10.42 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been XXX for 10.42 years.
0807818862	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing balance sheet for XXX	7.8.19 - Client responded.No balance sheet was obtained for Schedule C business XXX. Per lender guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.7.8.19 - Clayton has reviewed and although lender guides allow this to be waived it is a requirement for QM.  7.9.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly	7.8.19 - Exception remains. 7.9.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 25.72%. Max DTI for this program is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 808. Minimum credit score for this program is 680.
0807818862	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per lender re-status to Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 25.72%. Max DTI for this program is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 808. Minimum credit score for this program is 680.
0236968332	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing the Balance Sheet for XXX business XXX.	1.8.20 - Client responded. A balance sheet was not obtained for XXX. Per policy, the underwriter has discretion to waive financial statements for a XXX borrower. See Underwriting Notes attached, borrower doesnt utilize a balance sheet - only P&L.1.8.20 - Clayton has reviewed but per QM the balance sheet required. 1.10.20 - Client responded.  Re-status loan as Non-QM and re-grade accordingly.	1.8.20 - Exception remains. 1.10.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 9.41 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has had 0x30 for more than 24 months.
0236968332	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 9.41 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has had 0x30 for more than 24 months.
0236968332	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 9.41 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has had 0x30 for more than 24 months.
0236968332	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Client -  Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 9.41 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has had 0x30 for more than 24 months.
0520183751	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing evidence of tax/insurance payment amounts for REO at XXX 2. Incomplete Lease agreement for REO is only one page and does not state rent amount. 3. 2017/2018 1040s are not complete and only 2017 is signed as required for rent loss calculation.	9.25.19- Client responded. 1- The total monthly payment for REO at XXX is $1492.41 to include escrow. XXX loan details page attached. 2- Per lender guidelines, no lease agreement for REO at XXX was required. The rental income makes up < 25% of the total qualifying income and/or the most recent tax return not aged by nine months or more from the date of the last tax year filed.  3- Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting. 9.25.19- Clayton has reviewed and item 1 has been satisfied but not items 2 and 3. Both items required per QM. 9.27.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly	9.25.19- Exception remains. 9.27.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $338,979.57 in total assets documented.  Effective amount is $213,477.56, with liquid assets of $25,224.54.  Post close reserves are $213,477.56.  Reserves required $3,284.76x 12 = $19,708.56 CFCFS1737: LTV below guideline requirements - Clayton Comments:  borrowers LTV of 66.75% is 13.25 lower than maximum of 80%
0520183751	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	CD: XXX-1, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 4582.47CD: XXX-1, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4052.04CD: XXX1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 4582.47CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4052.04The difference of $ 535.43 is the closing cost paid out of closing.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $338,979.57 in total assets documented.  Effective amount is $213,477.56, with liquid assets of $25,224.54.  Post close reserves are $213,477.56.  Reserves required $3,284.76x 12 = $19,708.56 CFCFS1737: LTV below guideline requirements - Clayton Comments:  borrowers LTV of 66.75% is 13.25 lower than maximum of 80%
0520183751	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per lender, Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $338,979.57 in total assets documented.  Effective amount is $213,477.56, with liquid assets of $25,224.54.  Post close reserves are $213,477.56.  Reserves required $3,284.76x 12 = $19,708.56 CFCFS1737: LTV below guideline requirements - Clayton Comments:  borrowers LTV of 66.75% is 13.25 lower than maximum of 80%
0520183751	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing evidence of tax/insurance payment amounts for REO at XXX.  Clayton considers non-material due to compesating factors of 770 qual score, 64 mo. reserves and $7k/mo. residual income.	9.25.19- Client responded. The total monthly payment for REO at XXX is $1492.41 to include escrow. XXX loan details page attached.	9.25.19- Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $338,979.57 in total assets documented.  Effective amount is $213,477.56, with liquid assets of $25,224.54.  Post close reserves are $213,477.56.  Reserves required $3,284.76x 12 = $19,708.56 CFCFS1737: LTV below guideline requirements - Clayton Comments:  borrowers LTV of 66.75% is 13.25 lower than maximum of 80%
0520183751	CRDINC150	Income docs do not meet guidelines	No	1. Incomplete Lease agreement for REO is only one page and does not state rent amount. 2. 2017/2018 1040s are not complete and only 2017 is signed as required for rent loss calculation.	9.25.19- Client responded. 1- Per lender guidelines, no lease agreement for REO at XXX was required. The rental income makes up < 25% of the total qualifying income and/or the most recent tax return not aged by nine months or more from the date of the last tax year filed.  2- Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.	9.25.19- Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $338,979.57 in total assets documented.  Effective amount is $213,477.56, with liquid assets of $25,224.54.  Post close reserves are $213,477.56.  Reserves required $3,284.76x 12 = $19,708.56 CFCFS1737: LTV below guideline requirements - Clayton Comments:  borrowers LTV of 66.75% is 13.25 lower than maximum of 80%
0607541062	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing verification of PITI for REO property located on XXX. 2. Missing signatures on 2017 business tax returns.	9.30.19 - Client responded. 1- New XXX loan for REO property on XXX has been conditionally approved. Loan is a purchase - new construction and hasn't closed yet, proposed monthly payment (PITIA) is $6295.78. Loan summary attached.  2- Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting. 9.30.19 - Clayton has reviewed and item 1 is satisfied but item 2 remains as QM requires returns to be signed or 8879 in file noting signatures on file. 10.2.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly.	9.30.19 - Exception remains. 10.2.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves  $1,721,973.58 or 244.81 months, guidelines require 24 months PITIA . CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  808 qualifying score. Min required per guidelines is 680.
0607541062	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $16,714.30 and Section: Calculating Cash to Close, Field: Clayton Calculation, Value: $16,433.52. Difference of $280.78.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves  $1,721,973.58 or 244.81 months, guidelines require 24 months PITIA . CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  808 qualifying score. Min required per guidelines is 680.
0607541062	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client, Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves  $1,721,973.58 or 244.81 months, guidelines require 24 months PITIA . CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  808 qualifying score. Min required per guidelines is 680.
0607541062	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing verification of PITI for REO property located on XXX	9.30.19 - Client responded. New XXX loan for REO property on XXX has been conditionally approved. Loan is a purchase - new construction and hasn't closed yet, proposed monthly payment (PITIA) is $6295.78. Loan summary attached.	9.30.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves  $1,721,973.58 or 244.81 months, guidelines require 24 months PITIA . CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  808 qualifying score. Min required per guidelines is 680.
0473140064	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing fully executed evidence the XXX with XXX #XXX-XXX has been closed to future draws as required; all payoff statements and authorizations to close in file have not been executed.2. Missing the current YTD Balance Sheet for B2 Schedule C business.	9.25.19- Client responded. 1- The XXX has been restricted from future advances. Executed Demand Statement for XXX #XXX-XXX attached.  2- No current YTD balance sheet for B2 Schedule C business was obtained. Per lender guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.9.25.19- Clayton has reviewed and item 1 has been satisfied but not item 1.  Balance sheet required per QM. 9.27.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly	9.25.19- Exception remains. 9.27.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 27.18%. Max LTV for this program is 80.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 25.43%. Max DTI for this program is 43%.
0473140064	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per lender, Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 27.18%. Max LTV for this program is 80.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 25.43%. Max DTI for this program is 43%.
0473140064	CRDLGL2642	Missing proof that HELOC has been paid and closed to future draws	No	Missing fully executed evidence the XXX with XXX #XXX-XXX has been closed to future draws as required; all payoff statements and authorizations to close in file have not been executed. Clayton considers non-material based on compensating factors of low LTV, 27.18, DTI 25.43%, 809 qual score and 64 mo. reserves.	9.25.19- Client responded. - The HELOC has been restricted from future advances. Executed Demand Statement for XXX #XXX-XXX attached.	9.25.19- Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 27.18%. Max LTV for this program is 80.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 25.43%. Max DTI for this program is 43%.
0111855447	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing verification of HOI and taxes for REO on XXX.	9.25.19- Client responded. Annual property taxes for REO on XXX $6037 (property details and tax history attached). Unable to locate HOI. 9.25.19- Clayton has reviewed and property taxes have been satisfied but not HOI requirement.9.27.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly.	9.25.19- exception remains. 9.27.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has 10 with employer as a XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $67,013.13. Reserves required $3,609.32 x 12 months = $43,311.84.
0111855447	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	1) Final CD XXX-2 Closing Costs Financed (paid from your loan amount) states $2,231.73; calculated total is $1,726.30. 2)  Post CD XXX and Post CD XXX Closing Costs Financed (paid from your loan amount)  $4,481.73 calculated total is $3,976.30. Difference of POC cost 505.43.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has 10 with employer as a XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $67,013.13. Reserves required $3,609.32 x 12 months = $43,311.84.
0111855447	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Lender. Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has 10 with employer as a XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $67,013.13. Reserves required $3,609.32 x 12 months = $43,311.84.
0111855447	CRDAST2670	Asset documentation is insufficient per guideline requirements	No	Missing second consecutive statement for XXX #XXX and missing second consecutive statement for XXX #XXX.  Clayton considers non-material based on compensating factors of 36.54% DTI, 769 qual score and 20 months reserves.	9.25.19- Client responded. XXX (4/1/19 - 4/30/19 and 2/1/19 - 2/28/19) for XXX #XXX and XXX#XXX attached. XXX XXX (6/1/19 - 6/30/19) for both XXX #XXX and #XXX attached. 9.25.19- Clayton has reviewed and the documents provided to satisfy the exception were the ones already received in the pdf;  XXX (4/1/19 - 4/30/19 and 2/1/19 - 2/28/19) for XXX #XXX and XXX #XXX and XXX XXX (6/1/19 - 6/30/19) for both XXX #XXX and #XXX already in file; Additional consecutive account statements still required.	9.25.19- Exception remains.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has 10 with employer as a XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $67,013.13. Reserves required $3,609.32 x 12 months = $43,311.84.
0111855447	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing verification of HOI and taxes for REO on XXX.  Clayton considers non-material based on compensating factors of 36.54% DTI, 769 qual score and 20 months reserves.	9.25.19- Client responded. Annual property taxes for REO on XXX $6037 (property details and tax history attached). Unable to locate HOI.9.25.19- Clayton has reviewed and property taxes have been satisfied but not HOI.	9.25.19- Exception remains.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has 10 with employer as a XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $67,013.13. Reserves required $3,609.32 x 12 months = $43,311.84.
0111855447	CRDINSR3278	Hazard Insurance documentation in file is incomplete	No	Hazard insurance declarations page on subject property is missing annual premium amount.	9.25.19- Client responded. Annual premium amount is $1029.85 for subject property. Hazard insurance details page attached.	9.25.19- Exception satisfied.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has 10 with employer as a XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $67,013.13. Reserves required $3,609.32 x 12 months = $43,311.84.
0921764266	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing YTD 2019 Profit & Loss Statement and Balance Sheet for the co-borrowers XXX business, showing on Schedule C on the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.	9.12.19 - Client responded. Both the P&L statement & balance sheet were waived. Per lender guidelines, the underwriter has discretion to waive financial statements for a XXX borrower. Please re-status loan as Non-QM and re-grade accordingly.	9.12.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min Fico 680 / Fico 814 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 67.35%/ MAX LTV 80%.
0921764266	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: -9478.96CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 9002.79	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min Fico 680 / Fico 814 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 67.35%/ MAX LTV 80%.
0921764266	CMPTRID4340	TRID - CD: The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number	No	Final CD XXX The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number and should be Disclosed as a Positive Value per Pos/Neg Mandate.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min Fico 680 / Fico 814 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 67.35%/ MAX LTV 80%.
0921764266	CMPTRID4374	TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number	No	Final LE XXX The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number and should be Disclosed as a Positive Value per Pos/Neg Mandate.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min Fico 680 / Fico 814 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 67.35%/ MAX LTV 80%.
0921764266	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client change status to Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min Fico 680 / Fico 814 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 67.35%/ MAX LTV 80%.
0921764266	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers	No	Missing YTD 2019 Profit & Loss Statement the co-borrowers XXX business, showing on Schedule C on the 1040s. Per lenders guidelines, A year-to-date profit and loss (P&L) statement and balance sheet are required if more than four months have lapsed since the last fiscal year end.	9.12.19 - Client responded. P&L statement for Schedule C was waived. Per lender guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.	9.12.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min Fico 680 / Fico 814 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 67.35%/ MAX LTV 80%.
0921764266	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing YTD 2019 Balance Sheet for the co-borrowers XXX business, showing on Schedule C on the 1040s. Per lenders guidelines, A year-to-date profit and loss (P&L) statement and balance sheet are required if more than four months have lapsed since the last fiscal year end	9.12.19 - Client responded. Balance sheet for Schedule C was waived. Per lender guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.	9.12.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min Fico 680 / Fico 814 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 67.35%/ MAX LTV 80%.
0233656945	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $2,350,184.90 or 347.23 months PITIA, guidelines requires 36 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  Guidelines require a maximum DTI of 43%.  The final DTI is 39.43%.
0233656945	CRDCRMH104	Credit score below guidelines	No	Lender approved exception for credit score of 655 below the minimum of 720.  Compensating factors include; Post close reserves are $2,350,184.90 or 347.23 months PITIA, guidelines requires 36 months, strong residual income of $12,769.02, and DTI is 39.43%, max per guidelines is 43%. Clayton considers non-material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $2,350,184.90 or 347.23 months PITIA, guidelines requires 36 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  Guidelines require a maximum DTI of 43%.  The final DTI is 39.43%.
0233656945	CRDTER3262	Property issues indicated	No	Lender approved exception in file  for Investor concentration greater than 50% for resort condo property.  No single entity owns more than 20% of units, no special assessments and HOA is not involved in any litigation.  The HOA allocates 17.7% of income to reserves.  LTV less than 70% on XXX in HI meets requirements. Compensating factors include; Post close reserves are $2,350,184.90 or 347.23 months PITIA, guidelines requires 36 months, strong residual income of $12,769.02, and DTI is 39.43%, max per guidelines is 43%. Clayton considers non-material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $2,350,184.90 or 347.23 months PITIA, guidelines requires 36 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  Guidelines require a maximum DTI of 43%.  The final DTI is 39.43%.
0676121309	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing current YTD balance sheet for B2 XXX business as required for QM.	9.18.19 - Client responded. A YTD balance sheet for B2 was not obtained. Per lender guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.9.18.19 - Clayton has reviewed and although lender allows to be waived QM does require. 9.19.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly	9.18.19 - Exception remains. 9.19.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $217,306.53.  Reserves required $6440.42 x 12 = $77,185.04 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 798, minimum required per G/L is 680
0676121309	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Client - Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $217,306.53.  Reserves required $6440.42 x 12 = $77,185.04 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 798, minimum required per G/L is 680
0042626327									CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 35%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 802.
0250203100									CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI is 25.60; which is 17.4% lower than the maximum DTI allowed of 43%. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have an excellent credit history reflecting 0x30 within the last 24 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession fro 7 years and Co-Borrower has worked in the same profession for 10 years.
0981427612									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  771 qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 35.28%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $73,522.89 or 17.15 months PITIA, guidelines required 9 months PITIA.
0627861462									CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Coborrower has 11 years on current job CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have over 5 years in current profession.
0039058195									CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying Score 797.
0139644050	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	Lender exception for excluding small business loss but business returns for business, P&L and balance sheet not provided	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 808 exceeds minimum 720 score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.84% below 43% maximum guideline
0139644050	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 808 exceeds minimum 720 score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.84% below 43% maximum guideline
0139644050	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing verification that property taxes are included in the monthly payment with XXX secured by primary residence	9.11.18 - Client responded. Reviewer didn't include the taxes but included a monthly payment for POC's that should not have been added.  DTI with these corrections is 43.51%. Included monthly taxes of $776.80 - please see the updated IAD. DTI exception was approved at a higher DTI of 44.19%; therefore, it isn't required to be re-submitted for an updated exception.9.11.18 - Clayton has reviewed and documents provided support PITI for non subject property.	9.11.18 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 808 exceeds minimum 720 score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.84% below 43% maximum guideline
0139644050	CRDINC888	Income Amount is  Unsupported by Documentation in File	No	Lender exception for excluding small business loss but business returns for business, P&L and balance sheet not provided.	10.30.19 - Clayton has reviewed and client guidelines allow the underwriter to waive the P&L's and Balance sheet therefore this exception is satisfied.	10.30.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 808 exceeds minimum 720 score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.84% below 43% maximum guideline
0303224960	PRVAAPPR3116	Missing updated valuation	No	Missing PDA to support original appraised value	12.4.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.	12.4.18 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $212,642.77.  Reserves required $4791.03 x 12 = $57,492.36 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 17.12%, max allowed per G/L is 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10 years
0484146170	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1) Provide lease agreements for XXX and XXX for use of rental income	1.8.20 - Client responded. Per policy, lease agreements not required for XXX and XXX. Rental income used to qualify was derived from properties other than the subject. Rental income was calculated with the most recent 2 years of signed and filed complete 1040 tax returns.1.8.20 - Clayton has reviewed and per QM lease agreements are still required to compare to returns. 1.10.20 - Client responded.  Re-status loan as Non-QM and re-grade accordingly.	1.8.20 - Exception remains. 1.10.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 22.20%, 20.80% less than the guideline max of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $717,074.82 in post closing reserves, or 223 months subject PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 33.33%.  Max LTV due to aggregate financing is 50.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers median credit score is 791, 71 points higher than the minimum of 720.
0484146170	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per lender -  Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 22.20%, 20.80% less than the guideline max of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $717,074.82 in post closing reserves, or 223 months subject PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 33.33%.  Max LTV due to aggregate financing is 50.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers median credit score is 791, 71 points higher than the minimum of 720.
0842683133	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing VVOE for B2 for XXX income used prior to the Note date of XXX2.  Missing YTD 2019 Profit & Loss Statement and Balance Sheet for Borrower 2 XXX business showing on Schedule C of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.	2.13.20 - Client responded. "1- Business verification (VOE) for B2 XXX attached. B2 is a XXX in XXX, XXX. NPI # XXX, CA License # XXX.  2- A YTD 2019 Profit & Loss Statement and Balance Sheet for B2 XXX(Schedule C - Sole Proprietorship) was not obtained. Per policy, the underwriter has discretion to waive financial statements for a XXX borrower. B2 has been XXX (XXX) since 1986 with stable to increasing levels of revenue and income."2.13.20 - Clayton has reviewed and although the VOE was provided for B2 we are still missing the P&L and Balance sheets for B2 that are required per QM. 2.14.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly.	2.13.20 - Exception remains. 2.14.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has XXX XXX since 1982 CFCFS1737: LTV below guideline requirements - Clayton Comments:  very low cltv of 17.11 program ios 70% this is 52.89% points below program
0842683133	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has XXX XXX since 1982 CFCFS1737: LTV below guideline requirements - Clayton Comments:  very low cltv of 17.11 program ios 70% this is 52.89% points below program
0842683133	CRDINC2488	Verbal verification of employment missing	No	Missing VVOE for B2 for XXX income used prior to the Note date of XXX	2.13.20 - Client responded. Business verification (VOE) for B2 XXX attached. B2 is a XXX in XXX. NPI # XXX, XXX License # XXX.	2.13.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has XXX XXX since 1982 CFCFS1737: LTV below guideline requirements - Clayton Comments:  very low cltv of 17.11 program ios 70% this is 52.89% points below program
0842683133	PRVAVALU5249	Property Value Not Supported	No	A Desk review was received with a reported value of $XXX which is a variance of -15.79% 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.	Not Applicable	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has XXX XXX since 1982 CFCFS1737: LTV below guideline requirements - Clayton Comments:  very low cltv of 17.11 program ios 70% this is 52.89% points below program
0579524202	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1: Significant time in profession 18yrs CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines; 52.05 month PITIA
0579524202	CRDCRMH3000	# of Tradelines Does Not Meet Guideline Requirements	No	Approved Lender exception for Credit Risk Class Invalid or Insufficient (B1 has no fico score and no open credit. B2 has one open account. no current open credit and no activity in the past 12-months. All of the 10 trade lines reporting on credit have been closed. Clayton deems non-material based on compensating factors of Borrowers' willingness to repay the subject mortgage is supported by the fact that all debt has been paid in full without allowing it to go into serious delinquency. Customers do not have much credit activity in the past 2 years as they were living and working in XXX. B1 is continuing to work for the same employer and B2 started employment in the same field.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1: Significant time in profession 18yrs CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines; 52.05 month PITIA
0657971017	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1.) Missing YTD 2019 Balance Sheet for XXX business showing on Schedule C of the 1040s for Borrower 1 and Borrower 2's Schedule C Businesses. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage. 2.) The loan file is missing executed evidence that the XXX is  paid and closed to future draws.	2.18.20 - Client responded. If exception will remain, please re-status loan as Non-QM and re-grade accordingly. 1- No YTD 2019 balance sheets were obtained (applicable) for borrower's Schedule C business'. Per policy, the underwriter has discretion to waive financial statements for a XXX borrower. Additional documentation was obtained for B1 to support the overall stability of income used to qualify. B1 is a XXX for XXX (XXX). XXX effective 1/1/2019 - 12/31/2019 attached. This agreement will automatically renew on an annual basis. For as long as the agreement remains effective, XXX will pay B1 a XXX fee of $37,500 per month. XXX Activity Transcript attached to support the XXX fee of $37,500. B2 XXX income (XXX) makes up less than 2% of the total qualifying income and has minimal impact on ratios. The XXX business has been existence for a substantial amount of time and tax returns (2016-18) reflect stable to increasing levels of revenue and income. 2- Proof that XXX #XXX-XXX has been paid and closed to future draws attached, to include Closing Disclosure, Settlement Statement, Closure Letter and Full Reconveyance.2.18.20 - Clayton has reviewed. Item 2 has been satisfied. Item 1; documents provided do not replace the required P&L or balance sheets per QM. 2.18.20 - Per client re-status and Non-QM.	2.18.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 776; Minimum credit score is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $487,348.69.  Per program guidelines, 12mo PITI/PL  required or $71,741.64.
0657971017	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 776; Minimum credit score is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $487,348.69.  Per program guidelines, 12mo PITI/PL  required or $71,741.64.
0657971017	CRDLGL2642	Missing proof that HELOC has been paid and closed to future draws	No	The loan file is missing executed evidence that the XXX is paid and closed to future draws.	2.18.20 - Client responded. Proof that XXX #XXX-XXX has been paid and closed to future draws attached, to include Closing Disclosure, Settlement Statement, Closure Letter and Full Reconveyance.	2.18.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 776; Minimum credit score is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $487,348.69.  Per program guidelines, 12mo PITI/PL  required or $71,741.64.
0657971017	PRVAVALU5249	Property Value Not Supported	No	A Desk review was received with a reported value of $XXX which is a variance of -15.84% 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.	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 776; Minimum credit score is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $487,348.69.  Per program guidelines, 12mo PITI/PL  required or $71,741.64.
0694690062	CMPTRID5107	TRID - Seller CD not in file; need in order to complete fee entry	No	Seller CD was not provided in the supporting documents in the file. Provide copy of missing document.	12.24.19 - Client responded. See attached final certified combined settlement statement showing seller side information.	12.24.19 - Exception satisfied.	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $133,808.82.  Reserves required $6,483.20 x 12 = $77,798.40 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in same profession 18 years
0761832757	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	File is missing Balance Sheets for borrower's Sch C business'.  B1: XXX and B2: XXX.	1.22.20 - Client responded. "No balance sheets were obtained for borrower's Schedule C business'. Per policy, the underwriter has discretion to waive financial statements for a XXX borrower. Income from sole proprietorships make up a small percentage of the total qualifying income."1.22.20 - Clayton has reviewed and although XXX Guides allow this to be waived it is a requirement for QM.1.23.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly	1.22.20 - Exception remains. 1.23.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of over 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 790; Minimum for program is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $552,748.67.  12mo reserves or $48,441.84 required.
0761832757	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client - Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of over 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 790; Minimum for program is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $552,748.67.  12mo reserves or $48,441.84 required.
0761832757	CRDLTV3026	LTV Exceeds Guideline Requirement by at least 5%, but less than 10%	No	Lender approved exception for LTV 5% above max 75% vs. max of 70%) and cash out dollar amount exceeding program max (>$400K for LTV >65%).  Clayton deems non-material based on compensating factors of credit score 790, time in subject of 16 years and reserves of  136mo where 12mo are required.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of over 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 790; Minimum for program is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $552,748.67.  12mo reserves or $48,441.84 required.
0926935255	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing verification of insurance for REO property on XXX.2. Provide documentation and LOE relating to "family support" payment of $3,500.00 shown in bank statement with XXX #XXX.  Additional conditions may apply.	1.14.20 - Client responded. 1- See Underwriting Notes for REO on XXX.  2- Unable to locate documentation and/or LOE relating to "family support" payment. However, it doesn't appear this in an continuous/regular payment per additional bank statements provided in file.1.14.20 - Clayton has reviewed. Per issue #1 QM requires proof of PITI on all non-subject properties. Per issue #2 an LOE would need to be provided to clarify if this was a short term thing or long term and reason for the support. 1.15.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly.	1.14.20 - Exception remains. 1.15.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum FICO of 680 is required. Borrower FICO 808 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require 12 months PITI post closing reserves in the amount of $91,295.04
0926935255	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client - Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum FICO of 680 is required. Borrower FICO 808 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require 12 months PITI post closing reserves in the amount of $91,295.04
0926935255	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing verification of insurance for REO property on XXX.	1.14.20 - Client responded. See Underwriting Notes for REO on XXX.1.14.20 - Clayton has reviewed underwriting notes. Although subject loan is low DTI of 31% we still need confirmation of non subject PITI and we don't have that. This not only causes a Credit exception issue but QM issue. 2.11.20 - As this is now a Non-QM loan this time and based on Wells Fargo Guidelines this is considered non-material as the property has no mortgage against it and only HOI and Property taxes therefore not effecting the overall DTI but very little. Based on reserves and low DTI this is considered non-material by Clayton.	1.14.20 - Exception remains. 2.11.20  - Exception remains.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum FICO of 680 is required. Borrower FICO 808 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require 12 months PITI post closing reserves in the amount of $91,295.04
0926935255	CRDLGL140	Missing subordination agreement for existing junior lien	No	Require subordination agreement for XXX XXX; authorization to reduce credit limit from XXX to XXX.  Subordination agreement in file is for credit limit of XXX.	1.14.20 - Client responded. Subordination (Modification) Agreement reducing the credit limit from XXX to XXX attached.	1.14.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum FICO of 680 is required. Borrower FICO 808 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require 12 months PITI post closing reserves in the amount of $91,295.04
0641544091	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing YTD 2019 Profit & Loss Statement and Balance Sheet for XXX business showing on Schedule C of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.	3.18.20 - Client responded. A YTD 2019 P&L and Balance Sheet for XXX business showing on Schedule C was not required. 2019 filed (signed) 1040s including all applicable schedules attached. 3.18.20 - Clayton has reviewed and although the lender guidelines do not require it is required per QM. 3.19.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly	3.18.20 - Exception remains. 3.19.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  786 qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 31.57% max per guidelines is 43%.
0641544091	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  786 qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 31.57% max per guidelines is 43%.
0641544091	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Client - Re-status loan as Non-QM and re-grade accordingly	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  786 qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 31.57% max per guidelines is 43%.
0280634150	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing signed 2018 + 2017 1120s as required per ATR/QM G/L when using XXX income to qualify2. Missing rental leases on XXX as required per ATR/QM G/L when using rental income to qualify	2.18.20 - Client responded. If exception will remain, please re-status as Non-QM and re-grade accordingly. 1- 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. 2- Lease agreements were not required. The most recent 2 years of signed and filed complete tax returns, including Schedule E were obtained to document rental income used to qualify on XXX.2.18.20 - Clayton has reviewed and item 1 is satisfied but item 2 is not. QM requires the Leases as well as the schedule E on rental properties for comparison. 2.18.20 - Client requested re-status to Non-QM.	2.18.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $1,144,642.51.  Reserves required $8621.17 x 12 = $155,181.06 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrowers have been XXX for almost 10 years
0280634150	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $1,144,642.51.  Reserves required $8621.17 x 12 = $155,181.06 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrowers have been XXX for almost 10 years
0684792372	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing YTD 2019 Profit & Loss Statement and Balance Sheet for XXX business showing on Schedule C of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.	3.24.20 - Client responded. No P&L or Balance Sheet was obtained for borrower's Schedule C business (XXX). Per policy, the underwriter has discretion to waive financial statements for a XXX borrower. 1- The XXX business has been existence for a substantial amount of time (over 18 years), and previous years' tax returns reflect stable business income.  2- This income makes up a small percentage of the total qualifying income.3.24.20 - Clayton has reviewed and although lender allows the Underwriter to waive the P&L and Balance sheets they are a requirement for QM. 3.25.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly	3.24.20 - Exception remains. 3.25.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores exceed guidelines at 791, 789, 803, 806 with a minimum credit score of 680. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers 1 & 2 have significant time at current residence with 26.8 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrowers 3 & 4 have significant time at current job (XXX) with 18.8 years.
0684792372	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client Re-status loan as Non-QM and re-grade accordingly	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores exceed guidelines at 791, 789, 803, 806 with a minimum credit score of 680. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers 1 & 2 have significant time at current residence with 26.8 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrowers 3 & 4 have significant time at current job (XXX) with 18.8 years.
0937766655	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing YTD 2019 Profit & Loss Statement and Balance Sheet for XXX business showing on Schedule E of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.	2.25.20 - Client responded. No P&L and Balance Sheet were obtained for borrowers S-Corp. Per lenders credit policy, underwriters have the discretion to waive profit & loss statements and balance sheets in scenarios where the business has been in existence for a substantial amount of time.  Borrower has owned business over 5 years, with last 3 years 1120S returns in file supporting stable income. 2.25.20 - Clayton has reviewed and although lender guides do not require they are required per QM. 2.26.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly	2.25.20 - Exception remains. 2.26.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 784; minimum required credit score per guidelines is 680 CFCFS2860: Good credit history - Clayton Comments:  Borrower has an overall good credit history. No derogatory credit. No public record findings. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 72.09%; max allowed LTV per guidelines is 80%.
0937766655	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client Re-status loan as Non-QM and re-grade accordingly	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 784; minimum required credit score per guidelines is 680 CFCFS2860: Good credit history - Clayton Comments:  Borrower has an overall good credit history. No derogatory credit. No public record findings. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 72.09%; max allowed LTV per guidelines is 80%.
0937766655	PRVAVALU5249	Property Value Not Supported	No	A Desk review was received with a reported value of $XXX  which is a variance of -11.6279% less than the original appraised value of $XXX.  A Field Review has been ordered.	3.6.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.	3.6.20 - Exception satisfied.	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 784; minimum required credit score per guidelines is 680 CFCFS2860: Good credit history - Clayton Comments:  Borrower has an overall good credit history. No derogatory credit. No public record findings. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 72.09%; max allowed LTV per guidelines is 80%.
0256333715	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing YTD 2019 Balance Sheet for XXX business showing on Schedule C of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.Missing YTD 2019 Profit & Loss Statement for XXX business showing on Schedule C of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.	1.14.20 - Client responded. 2019 P&L for XXX business (for B2) showing on Schedule C-EZ attached. A balance sheet was not obtained. Per policy, the underwriter has discretion to waive financial statements for a XXX borrower. See Underwriting Notes attached, a balance sheet was not applicable.1.15.20 - Clayton has reviewed and although borrower is Schedule C and 1099 a Balance sheet is required per QM even if it just says $0 on it. 1.15.20 - Per client please re-status to Non-QM.	1.15.20 - Exception remains.1.15.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 752 is 72 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 14 years experience in profession.
0256333715	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 752 is 72 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 14 years experience in profession.
0256333715	CRDINC150	Income docs do not meet guidelines	No	Missing both borrowers signatures on the 2018 tax returns. 2018 tax returns are self -prepared and unsigned.	1.14.20 - Client responded. 2018 tax returns for B2 prepared by XXX:  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. Unable to locate acceptable (signed) 2018 tax returns for B1.1.14.20 - Clayton has reviewed and still missing B1 signed returns. 2.10.20 - As loan was re-designated to Non-QM this no longer is a valid exception.	1.14.20 - Exception remains. 2.10.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 752 is 72 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 14 years experience in profession.
0628501373	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing last quarter Profit and Loss Statement and Balance Sheet for Sched C borrower income verification; not required per guides but required per Appendix Q for loan to be QM.	2.25.20 - Client responded. No P&L and Balance Sheet were obtained for co-borrower's Schedule C buisness. Per lenders credit policy, underwriters have the discretion to waive profit & loss statements and balance sheets in scenarios where the business has been in existence for a substantial amount of time.  Co-borrower has XXX business over 5 years (20 years in profession), with last 2 years tax returns reflect stable to increasing levels of revenue and income. 2.25.20 - Clayton has reviewed and although lender guides do not require it is a requirement for QM. 2.26.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly.	2.25.20 - Exception remains. 2.26.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 757 which exceeds guideline minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  27.97% DTI.
0628501373	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	Zero tolerance fee increased for additional appraisal fee $736 at or prior to closing without a valid reason or COC. Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation.	2.26.20 - Client responded. Agree:  Appraisal fee increased from $634 to $1370 with no valid CoC. $661 refunded for increase in cost above legal limit.   Additional refund of $75 required to complete remediation. Remediation requested.3.10.20 - Client responded. See attached PC CD, LOX, and Refund Check.	2.26.20 - Exception remains. 3.10.20 - Exception satisfied.	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 757 which exceeds guideline minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  27.97% DTI.
0628501373	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Client Re-status loan as Non-QM and re-grade accordingly	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 757 which exceeds guideline minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  27.97% DTI.
0966576986	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing the 1125-E or W2's to support the Compensation to Officer income reported on the 1120S Tax returns. 2. Missing YTD 2019 Balance Sheet for XXX business showing on Schedule E of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.	3.16.20 - Client responded. 1- Summary of W2's, K1's to support compensation of officers income reported on the 1120S tax returns attached. Shareholder 1 (B1) = 51%; Shareholder 2 (B2) = 49%; 2018 Compensation of officers = $189,583; B1 $96,687 + B2 $92,896 = $189,583. 2017 Compensation of officers = $134,855; B1 $49,063 + B2 $85,792 = $134,855. 2- No YTD 2019 Balance Sheet was obtained for XXX business. Per policy, the underwriter has discretion to waive financial statements for a XXX borrower.3.16.20 - Clayton has reviewed and item 1 is satisfied but item 2 for the Balance sheet is still required per QM. 3.17.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly	3.16.20 - Exception remains. 3.17.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been XXX in the same line of profession for 16 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $142,677.02.  Reserves required $3,440.60 x 12 = $41,287.20
0966576986	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Client Re-status loan as Non-QM and re-grade accordingly	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been XXX in the same line of profession for 16 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $142,677.02.  Reserves required $3,440.60 x 12 = $41,287.20
0966576986	CRDINC2408	Income verification does not meet guidelines	No	Missing the 1125-E or W2's to support the Compensation to Officer income reported on the 1120S Tax returns.	3.16.20 - Client responded. 1- Summary of W2's, K1's to support compensation of officers income reported on the 1120S tax returns attached. Shareholder 1 (B1) = 51%; Shareholder 2 (B2) = 49%; 2018 Compensation of officers = $189,583; B1 $96,687 + B2 $92,896 = $189,583. 2017 Compensation of officers = $134,855; B1 $49,063 + B2 $85,792 = $134,855.	3.16.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been XXX in the same line of profession for 16 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $142,677.02.  Reserves required $3,440.60 x 12 = $41,287.20
0691005003	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing B2 P&L statement and Balance Sheet	3.3.20 - Client responded. No P&L or Balance Sheet was obtained for B2's Schedule C business (XXX). Per policy, the underwriter has discretion to waive financial statements for a XXX borrower.3.3.20 - Clayton has reviewed and although lender policy allows to waive they are required for QM. 3.4.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly	3.3.20 - Exception remains. 3.4.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 790 which exceeds guideline minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.30% DTI is below max guideline of 43%.
0691005003	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client - Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 790 which exceeds guideline minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.30% DTI is below max guideline of 43%.
0691005003	CRDLGL2642	Missing proof that HELOC has been paid and closed to future draws	No	Missing proof that HELOC with XXX XXX has been paid and closed to future draws, authorization document not signed / dated by borrowers.	3.3.20 - Client responded. Proof that XXX with XXX #4XXX has been paid and closed to future draws attached, to include Closing Disclosure and XXX Confirmation of Closure Letter.	3.3.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 790 which exceeds guideline minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.30% DTI is below max guideline of 43%.
0107542073	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing signed 2018 1040s as required per ATR/QM G/L when using XXX income to qualify 2. Missing leases for XXX and commercial property on XXX as required per ATR/QM G/L when using rental income to qualify	3.4.20 - Client responded. 1. 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 return, signature not required. Attached is the 2018 tax return  with CPA PTIN #. 2. Per guidelines lease agreements not required. Attached are 2017 & 2018 tax returns confirming rental income for XXX on Schedule E's. Also attached are Underwriting notes regarding XXX property.3.4.20 - Clayton has reviewed and item 1 satisfied. Per QM Leases as well as Schedule E's are required. 3.5.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly.	3.4.20 - Exception remains. 3.5.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.83%, max allowed per G/L is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $180,372.65.  Reserves required $3877.03 x 18 = $69,786.54
0107542073	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.83%, max allowed per G/L is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $180,372.65.  Reserves required $3877.03 x 18 = $69,786.54
0242659236	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	CD XXX Other Costs section, Field F: HOI is missing actual payee name, corrected on Final CD XXX Exception Satisfied.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  49.57% LTV. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  749 qualifying score.
0991610154	PRVAAPPR3116	Missing updated valuation	No	Missing PDA to support original appraised value	12.13.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX	12.13.18 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 792 for the primary wage earner, minimum required per G/L is 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have Post close reserves in the amount of $95,709.29.  Reserves required $3498.87 x 12 = $41,986.44
0521593748	CMPTRID5089	TRID - Escrow Waiver Fee disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged	No	Loan Disclosures Section shows Escrow Waiver Fee of $2981.25. There is no Escrow Waiver Fee disclosed in Sections A, B or C of CD. No Alta Statement provided in File and no Evidence if Fee was charged.	1.18.19 - Client responded. See Attached PC CD and LOX. 1.18.19 - Clayton has reviewed and the PCCD corrects error.  LOX and proof sent was provided as well.	1.18.19 - Exception satisfied.	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's have Post close reserves in the amount of $1,537,231.13.  Reserves required $8061.53 x 12 = $96,738.36 CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Co-Borrower has additional SCH C Income in the amount of $746.20 not used to qualify CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 75%, max allowed per G/L is 80%
0521593748	CMPTRID5097	TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures	No	Loan Disclosures Section shows Escrow Waiver Fee of $2981.25. There is no Escrow Waiver Fee disclosed in Sections A, B or C of CD.	1.18.19 - Client responded. See Attached PC CD and LOX. 1.18.19 - Clayton has reviewed and the PCCD corrects error.  LOX and proof sent was provided as well.	1.18.19 - Exception satisfied.	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's have Post close reserves in the amount of $1,537,231.13.  Reserves required $8061.53 x 12 = $96,738.36 CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Co-Borrower has additional SCH C Income in the amount of $746.20 not used to qualify CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 75%, max allowed per G/L is 80%
0521593748	PRVAAPPR3116	Missing updated valuation	No	Missing PDA to support original appraised value	12.17.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.	12.17.18 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's have Post close reserves in the amount of $1,537,231.13.  Reserves required $8061.53 x 12 = $96,738.36 CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Co-Borrower has additional SCH C Income in the amount of $746.20 not used to qualify CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 75%, max allowed per G/L is 80%
0989966163	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Provide Missing Balance sheet; required for XXX borrower.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $72,883.38 or 19.84 months
0989966163	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $72,883.38 or 19.84 months
0989966163	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Balance sheet missing; required for XXX borrower	12.21.18 - Client responded. XXX considers loan Non-QM due to using business bank statements in lieu of Balance Sheet. 6.14.19 - Clayton has reviewed bank statements are acceptable in lieu of an actual balance sheet.	12.21.18 - Exception remains. 6.14.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $72,883.38 or 19.84 months
0666871421									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 809, minimum required per G/L is 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $509,957.17.  Reserves required $4188.78 x 12 = $50,265.36
0688749724									CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  The co-borrower has been employer for 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 54.77 %; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  803 qualifying score. Min required per guidelines is 700.
0447571739	CRDAST205	Insufficient Funds to Close	No	Provide proof of liquidation of a minimum $18,321.10  funds required to close.	2.6.19 - Client responded. UW received exception approval to waive the liquidation requirement	2.6.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 0 late mortgage payments. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 25 years.
0447571739	CRDAST2670	Asset documentation is insufficient per guideline requirements	No	Per guidelines, 2 month bank statements are required to meet the minimal documentation requirement.  Missing XXX statement for Sept 2018 or Nov 2018 for acct #XXX.  Only one month is in the file.	2.6.19 - Client responded. The XXX account was not used for reserves or cash to close	2.6.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 0 late mortgage payments. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 25 years.
0284086889	PRVAAPPR3116	Missing updated valuation	No	Missing PDA to support original appraised value.	3.7.19- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX	3.7.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The median credit score of 772 exceeds guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-closing reserves are $445,868.66, or 78 months subject PITIA.
0223411300	PRVAAPPR3116	Missing updated valuation	No	Missing PDA to support original appraised value.	4.4.19- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX	4.4.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  10 years XXX CFCFS2860: Good credit history - Clayton Comments:  no mortgage lates within 12 months
0501538580	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing P&L statement and Balance Sheet for B1 Schedule C business as required for QM.	10.21.19- Client responded,Re-status loan as Non-QM and re-grade accordingly.	10.21.19- Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  784 credit score exceeds the guidelines required score of 720 by 64 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  43 month verified cash reserves exceeded the guidelines required 12 months reserves
0501538580	CMPTRID5107	TRID - Seller CD not in file; need in order to complete fee entry	No	Seller CD not in file; need in order to complete fee entry.  Provide copy of missing document.	10.18.19 - Client Responded. The CD provided at closing is a combined CD which has both Seller and Borrower fees, thus no need for a separate Seller CD; therefore, a seller CD wasn't done for this loan.  See attached CD for both the borrower and seller.	10.18.19 - Exception Satisfied.	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  784 credit score exceeds the guidelines required score of 720 by 64 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  43 month verified cash reserves exceeded the guidelines required 12 months reserves
0501538580	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client responded,Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  784 credit score exceeds the guidelines required score of 720 by 64 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  43 month verified cash reserves exceeded the guidelines required 12 months reserves
0669254856	CMPFDCP3206	NMLS License verification found Loan Originator Name does not match ID	No	Name on NMLS XXX	3.18.19 - Client responded. Attaching copy of NMLS registry for Loan Officer. Also attaching copy of final 1003 reflecting Loan Officer electronic signature XXX. NMLS number matches between the NMLS registry and the 1003. This appears to be adequate evidence that XXX are one in the same.	3.18.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 12 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage payments CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 58.62%. Max LTV is 70% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower is receiving restricted stock units not being used to qualify CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  52.77 months in reserves
0669254856	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	Final CD XXX Summaries of Transactions Section (K), Solid Waste Fee is missing Date to Date information. provide revised CD to include the to and from dates for the solid waste fee. Revised CD and LOX to borrower.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 12 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage payments CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 58.62%. Max LTV is 70% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower is receiving restricted stock units not being used to qualify CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  52.77 months in reserves
0669254856	CMPTRID5019	TRID - Closing Disclosure; Optional designation missing from optional insurance product	No	CD XXX Other Cost Section H, Home Warranty Fee being paid by the borrower. However, the optional designation is missing. Revised CD that includes optional designation for Home warranty fee in section H required. Revised CD and LOX to borrower.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 12 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage payments CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 58.62%. Max LTV is 70% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower is receiving restricted stock units not being used to qualify CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  52.77 months in reserves
0669254856	CMPTRID3600	TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered	No	Missing E Consent from file for Initial CD dated XXX	4.1.19 - Client responded.  Contacting Correspondent Client for e-Consent form4.29.19 - Client responded. See Attached eConsent dated XXX	4.1.19 - Exception remains. 4.29.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 12 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage payments CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 58.62%. Max LTV is 70% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower is receiving restricted stock units not being used to qualify CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  52.77 months in reserves
0669254856	CMPTRID5111	TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered	No	Missing E Consent from file for Initial LE dated XXX that was E Signed on XXX	4.29.19 - Client responded. See Attached eConsent dated XXX	4.29.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 12 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage payments CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 58.62%. Max LTV is 70% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower is receiving restricted stock units not being used to qualify CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  52.77 months in reserves
0669254856	CRDTER110	Loan amount exceeds guideline maximum	No	Approved lender exception for loan amount of XXX and proof of liquidation of stocks for cash to close. Compensating factors: LTV below max allowed. Additional income received, but not being used to qualify. Borrower has been on job for 12 years. Increased earnings from previous years. Positive mortgage pay history on primary residence. Borrower has minimal debt. Significant reserves including retirement funds not fully used for qualification. Clayton views exception as non material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 12 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage payments CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 58.62%. Max LTV is 70% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower is receiving restricted stock units not being used to qualify CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  52.77 months in reserves
0669254856	CRDTER3124	Loan documents do not meet guideline requirements	No	Missing evidence in file of Condo Project CPM Review. Per Appraisal review notes Lender is to retain a  final Acceptance letter for the subject project and phase and keep in final closing package. Approval expires XXX. Loan must close on or prior to that date otherwise CRT Review is null and Void and updated Project approval or Approval Extension will be requested. Closing date shows as XXX3/13/2019- Exception considered Non Material: Verified cash reserves exceed guidelines , LTV below guideline requirements	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 12 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage payments CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 58.62%. Max LTV is 70% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower is receiving restricted stock units not being used to qualify CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  52.77 months in reserves
0288069721									CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  12 years with the same employer. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 13 years in the same profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  771/803 credit scores. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  27 months of mortgage payments without any lates. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves $337,676.73 = 34 months of PITI payments for all 3 properties combined.
0882055575									CFCFS2860: Good credit history - Clayton Comments:  Borrower has an overall good credit history. No derogatory credit. No public record findings. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for over 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score per guidelines is 775; minimum required credit score per guidelines is 720.
0969405083	CMPTRID3600	TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered	No	CD XXX e-signed; no e-consent in file	4.1.19 - Client responded. Disagree.  Copy of e-delivery consent form is attached.	4.1.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers mid FICO of 762 exceeds minimum required FICO 700 by 62 points.
0969405083	CMPTRID5111	TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered	No	LE XXX e-signed via acknowledgement of LE XXX; no e-consent in file	4.1.19 - Client responded. Disagree.  Copy of e-delivery consent form is attached.	4.1.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers mid FICO of 762 exceeds minimum required FICO 700 by 62 points.
0964453250									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Guidelines require a minimum credit score of 700;  Borrower has a qualifying score of 795. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 5 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves  of $140,318.13 exceed required reserves of $52,089.96
0960894460	CMPTRID5019	TRID - Closing Disclosure; Optional designation missing from optional insurance product	No	Final CD XXX Other Costs Section H, Home Warranty Fee is Partially Borrower Paid and does not include the Optional Designation.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer for 14 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employer with current employer for 10 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the existing primary residence for 5 years
0960894460	CRDCRMH193	Length of mortgage/rental history in file does not meet guideline requirement	No	Missing satisfactory evidence of 12/2018, 1/2019, 2/2019 mortgage payment history for XXX	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer for 14 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employer with current employer for 10 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the existing primary residence for 5 years
0686927117									CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession as a XXX for15 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same Employer XXX for 5 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with the same Employer XXX for4 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Credit report shows 0x30 for 76 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed 50 months.
0858224311	CRDCRMH118	Mortgage/rental lates exceed guidelines	No	Approved Lender Exception for 2x30 rental history.  Rent late due to Auto Pay error. 12/2018 rent paid late due to electrical issues that landlord needed to fix. Compensating factors are high credit score, low payment shock & level of credit use. Considered non-material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 11 years and Co-Borrower has14 years in their professions. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $1,511,889.84. Reserves required of 12 x $5,782.86 = $69,394.32. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 66.67% below guidelines of 80% by 13.33 points.
0858224311	CRDDTI105	Debt Ratio Exception 5% or Less	No	Approved Lender Exception for housing ratio > 36%.  Compensating factors include a history of devoting a higher portion of income towards housing. Considered non-material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 11 years and Co-Borrower has14 years in their professions. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $1,511,889.84. Reserves required of 12 x $5,782.86 = $69,394.32. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 66.67% below guidelines of 80% by 13.33 points.
0151536873									CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as XXX for the past 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Mid Qualifying score is 785 > guideline minimum is 700.
0594957881	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file	No	Missing List of homeowners counseling organizations.  Provide copy of missing document.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 24 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 24.36% is below requirement.
0594957881	CMPRESPA863	RESPA: Required Affiliate Business Disclosure missing	No	Missing Affiliate Business Disclosure. Provide missing document.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 24 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 24.36% is below requirement.
0594957881	CMPTRID3476	TRID - Written List of Providers not provided or untimely	No	Missing Written List of Providers.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 24 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 24.36% is below requirement.
0181607847	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Provide evidence of monthly HOA fees for departing residence (XXX).	4.2.19 - Client responded. See attached electronic withdrawal for HOA dues on departure residence	4.2.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  12 months subject property reserves required (12*4032.10= $48385.20); 44.98 months reserves verified CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.16%
0181607847	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Provide evidence of monthly HOA fees for departing residence (XXX).	4.2.19 - Client responded. See attached electronic withdrawal for HOA dues on departure residence	4.2.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  12 months subject property reserves required (12*4032.10= $48385.20); 44.98 months reserves verified CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.16%
0561713230									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $246,753.88.Required reserves : $83,931.30 ($4662.85x18) CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.62% below guideline requirement.
0580493960									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has worked at current job for over 11 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  CoBorrower has worked XXX at current job for over 15 years.
0359700682	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	Final CD XXX Summaries of Transaction Section K is missing adjustment to/from dates for association dues.Requires corrected PCCD, LOX and copy of shipping.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 5 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Calculated Assets $573,089.50; Effective Amount (Assets Used) $573,089.50; Liquid Assets $573,089.50;   Post Cash Reserves are in the amount of $470,975.91.
0359700682	PRVAAPPR3116	Missing updated valuation	No	Missing PDA to support original appraised value.	4.5.19- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.	4.5.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 5 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Calculated Assets $573,089.50; Effective Amount (Assets Used) $573,089.50; Liquid Assets $573,089.50;   Post Cash Reserves are in the amount of $470,975.91.
0762996387	CMPSTCP2129	MD Counseling Notice not in file	No	MD Counseling Notice not in file. Provide copy of missing document.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 20% below guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 21months exceed guidelines 12months.
0591713842									CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 52.64%; max allowed LTV per guidelines is 65%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 23.7568%; max allowed DTI per guidelines is 43%. CFCFS2860: Good credit history - Clayton Comments:  The Borrower has an overall good credit history. No derogatory credit. No public record findings. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 760 exceeds the minimum of 720
0412138716	CMPROR1911	Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor	No	H9 form used for same lender to same lender refinance and should be H8 form.	4.15.19 - Client responded. Disagree: 1026.23(b)(2) Proper form of notice. To satisfy the disclosure requirements of paragraph (b)(1) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice. Model Form H-9 includes all of the information required by TILA and Regulation Z to advise borrowers of the right to rescind a consumer credit transaction.  Model Form H-8 and Model Form H-9 are substantially similar.4.15.19 - Clayton has reviewed and per the Clayton Compliance department and the US Circuit Court for this District the H8 form is the correct form to be used when a refinance with a different lender. Per this District this is a material exception. 11.26.19 - Client Responded. Updated 11/22/2019:  Disagree.  XXX is the refinance lender and the original lender as evidenced by Closing Disclosure and Title Commitment.  Use of Model form H-9 was appropriate for this transaction.  See attached documents.	4.15.19 - Exception remains.11.26.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI of 37.65%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV of 55.6%.
0708668607									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  23 years with the same employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805/792 credit scores; minimum score is 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  46 months of mortgage payments made as agreed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Closing Reserves $363,010.11 = 90 PITI mortgage payments.
0359030118	CMPTRID4354	TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form	No	CD: XXX [Last CD], Section: Other Disclosures, Field: Loan Acceptance,  Not present and Section: Other Disclosures,  Confirm Receipt section not  present	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10.5 years on his current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post close liquidity of $173,816.30.   $173816.30 / piti $7742.98 = 22.45 months reserves.  Reserves required $7,742.98 x 12 = $92,915.76.
0359030118	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period	No	Initial  CD XXX  not confirmed by borrower	4.2.19 - Client responded. Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) with electronic delivery XXX allowing at least 3 business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was opened by the consumer on XXX. Copy of electronic audit trail and electronic consent page showing the confirmation date is attached.	4.2.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10.5 years on his current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post close liquidity of $173,816.30.   $173816.30 / piti $7742.98 = 22.45 months reserves.  Reserves required $7,742.98 x 12 = $92,915.76.
0359030118	PRVAVALU153	Value Not Supported	No	A Desk review was received with a reported value of $XXX which has a variance of -27.54% less than the original appraised value of $XXX. A field review has been ordered.	4.2.19- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.	4.2.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10.5 years on his current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post close liquidity of $173,816.30.   $173816.30 / piti $7742.98 = 22.45 months reserves.  Reserves required $7,742.98 x 12 = $92,915.76.
0963333981	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	Lender approved DTI exception for rations exceeding 43% at 46.69%.   Loan was originally submitted and approved with bonus income, however, it turns out that what was listed was not bonus.  DTI over the QM allowed 43%.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  24.71 months PITI verified, 12 months PITI required. CFCFS2854: Significant time in profession - Clayton Comments:  B1 in his profession for 20 years (XXX).B2 in her profession for 18 years (XXX). CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 774. Minimum credit score for this program is 700.
0963333981	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file	No	Missing  RESPA - List of homeowners counseling organizations.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  24.71 months PITI verified, 12 months PITI required. CFCFS2854: Significant time in profession - Clayton Comments:  B1 in his profession for 20 years (XXX).B2 in her profession for 18 years (XXX). CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 774. Minimum credit score for this program is 700.
0963333981	CRDDTI105	Debt Ratio Exception 5% or Less	No	Lender approved DTI exception for rations exceeding 43% at 46.69%.   Loan was originally submitted and approved with bonus income, however, it turns out that what was listed was not bonus.  Compensating Factors include:  minimal use of revolving credit, established satisfactory housing repayment and potential for increased earnings.	3.20.19 - Client responded. XXX UW used just base income to qualify for each borrower, $9012.00 for B1 and $15,416 for B2. See attached VOE and paystub	3.20.19 - Exception remains.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  24.71 months PITI verified, 12 months PITI required. CFCFS2854: Significant time in profession - Clayton Comments:  B1 in his profession for 20 years (XXX).B2 in her profession for 18 years (XXX). CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 774. Minimum credit score for this program is 700.
0637871952	CMPRESPA2700	RESPA - List of homeowners counseling organizations not provided w/in 3 days of application	No	List of homeowners counseling organizations dated XXX, is not within 3 days of application dated XXX.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  24.70% DTI is below 43% maximum per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  185 Months PCL exceeds maximum per guidelines. Borrowers have other assets not used to qualify.
0637871952	CMPTRID3476	TRID - Written List of Providers not provided or untimely	No	Written List of Providers dated XXX is not within 3 days of initial application dated XXX	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  24.70% DTI is below 43% maximum per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  185 Months PCL exceeds maximum per guidelines. Borrowers have other assets not used to qualify.
0089767037	CMPRESPA863	RESPA: Required Affiliate Business Disclosure missing	No	Lender must provide the Affiliate Business Disclosure.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 19% below guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 802 exceeds guidelines
0089767037	PRVAVALU153	Value Not Supported	No	A Desk review was received with a reported value of $XXX which is a variance of -18.75% less than the original appraised value of $XXX. A field review has been ordered	4.4.19- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.	4.4.19 - Exception satisfied	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 19% below guideline requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 802 exceeds guidelines
0251271268	CMPSTCP2129	MD Counseling Notice not in file	No	MD Counseling Notice not in file	4.15.19 - Client responded. See attached Counseling Notice  and verification that it was received.	4.15.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been employed with the current employer for 8.5 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 166 months reserves.
0251271268	CRDAST205	Insufficient Funds to Close	No	Missing evidence of liquidation of funds for $626,193.82; CTC is $766,677.06 with only $140,483.24 liquid funds verified and $2691879.80 in non-liquid accounts.  Compensating factors include DTI 41.44%, 763 qual score, $27,351.12 residual income, B2 25 years in profession.  Clayton considers non-material based on compensating factors.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been employed with the current employer for 8.5 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 166 months reserves.
0782958136	CMPTRID5107	TRID - Seller CD not in file; need in order to complete fee entry	No	Per TRID 2.0 Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Closing Reserves $375,908.80.  Reserves required $59,112 ($4926 x 12) CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrowers DTI is 27.40.  Maximum LTV per guidelines is 80%.
0782958136	PRVAVALU153	Value Not Supported	No	6.4.19 - A Desk review was received with a reported value of XXX which is a variance of -11.17% less than the original appraised value of XXX. A field review has been ordered.	6.17.19- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX	6.17.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Closing Reserves $375,908.80.  Reserves required $59,112 ($4926 x 12) CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrowers DTI is 27.40.  Maximum LTV per guidelines is 80%.
0962555915	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	Per QM requirement missing copy of balance sheet for XXX.	6.11.19  - Client responded and designated loan as Non-QM.	6.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower with 45 months PITI reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 24.61% below guideline requirement.
0962555915	CRDATRQM5371	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client Request to re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower with 45 months PITI reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 24.61% below guideline requirement.
0660266447	CRDAST205	Insufficient Funds to Close	No	Approved lender exception for liquidation of Funds. Compensating factors include significant assets in excess of required PCL; strong stock assets more than sufficient for cash to close. Representative credit score exceeds 800. Clayton has reviewed and based on compensating factors considers non-material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $1,302,258.88.  Reserves required $8,002.35 x 12 = $96,028.20. CFCFS1744: DTI below guideline requirement - Clayton Comments:  27.43% DTI is below guideline maximum.
0660266447	PRVAAPPR3116	Missing updated valuation	No	Missing PDA to support original appraised value.	3.14.19- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX	3.14.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $1,302,258.88.  Reserves required $8,002.35 x 12 = $96,028.20. CFCFS1744: DTI below guideline requirement - Clayton Comments:  27.43% DTI is below guideline maximum.
0515751289	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	Exceeds points and fees threshold of 3%. Discount points charged but nothing in file to validate start rate prior to buying down and if points are bona fide.	7.31.19 - Client responded. See attached Rate Lock In which reflects the bona fide rate. 7.31.19 - Clayton has reviewed the rate lock sheet and rate prior to discount is not reflected. Need rate prior to the discount being applied. 8.2.19 - Client responded. Agree: loan fails QM Points and Fees. Re-status loan as Non-QM and re-grade accordingly (if applicable).	7.31.19 - Exception remains. 8.2.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 700; PWE credit score is 818. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0515751289	CMPFINT106	Finance charge understated by more than $100 (Pmt Stream)	No	Tested Post Close CD dated XXX - Finance charge in the amount of $629,458.61 matches review calculation of $629,458.61.       exception satisfied	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 700; PWE credit score is 818. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0515751289	CMPROR1909	Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor	No	Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 700; PWE credit score is 818. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0515751289	CMPTRID4309	TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE	No	Provide a lox or updated Cd's with the correct values to match the Le XXX Calculating Cash To Close, Field: Estimated Cash to Close, Value: -1691	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 700; PWE credit score is 818. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0515751289	CMPTRID4311	TRID - CD: The value for Adjustments and Other Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE	No	Provide Lox or updated Cd's with the correct values to match Le XXX Calculating Cash To Close, Field: - Adjustments and Other Credits, Value: -5092	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 700; PWE credit score is 818. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0515751289	CMPTRID4312	TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE	No	Provide a updated post close Cd with the correct values to match the final Le dated XXX. Standard form used.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 700; PWE credit score is 818. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0515751289	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	Cd XXX, XXX, XXX and XXX: Other costs screen: Section E:  Fee's are not itmemized for recording fees. Provide a Lox or updated Cd with the correct information provided within 60 days of consummation.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 700; PWE credit score is 818. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0515751289	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client Agree: loan fails QM Points and Fees. Re-status loan as Non-QM and re-grade accordingly (if applicable).	9.24.19 - Client responded. 9/23/2019:   CD issued XXX included over  tolerance credits of $169.56.   Credit Report over tolerance refund of $8, VOE Fee $$43.45, and Administration Fee $118.11.  9/16/2019 additional refund of $20.38 to remedy QM issues.  Refund includes per diem interest.  See attached PC CD and copy of Refund check.9.24.19 - Clayton has reviewed and cure decreases Points and Fees to under 3% and makes loan XXX	9.24.19 - Exception satisfied.	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 700; PWE credit score is 818. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0780847153	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing YTD 2019 Balance Sheet for Borrower 2 pertaining to the  XXX business showing. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.2. Most recent 2 years 1120 Corporate returns and YTD profit and loss and balance sheet missing for XXX. Per LOX, this corporation is currently owned by the borrower and holds title to the retained rental property as further supported on the evidence of hazard insurance.	8.12.19 - Client responded. A balance sheet is not required on Schedule C business per Seller Guide section 825.06(d). Tax returns are not available for XXX as this was just a LLC set up for the property at XXX and the income flows over to the borrowers schedule E on the 1040's.8.12.19 - Clayton has reviewed and although item #2 is cured item #1 is not. QM still required the balance sheet. 8.13.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly	8.12.19 - Exception remains. 8.13.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Overall DTI is 32.66%; max per guidelines is 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  43 months pay history reported for XXX xxXXX on retained property with zero lates reported.
0780847153	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Client, Re-status loan as Non-QM and re-grade accordingly	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Overall DTI is 32.66%; max per guidelines is 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  43 months pay history reported for XXX xxXXX on retained property with zero lates reported.
0780847153	CRDAST205	Insufficient Funds to Close	No	XXX xxXXX XXX $75,556.41; XXX xxXXX XXX $97,776.78 Total $173,333.19 in liquid funds; per CD dated XXX $177,358.89 funds required to close.  Short liquid funds in the amount of $-4,025.70.	8.12.19 - Client responded. Agree that the borrower is short liquidated funds by $4025.  Since the last XXX bank statement was dated 5/24/19, it is not unreasonable to assume that the borrowers bi-weekly payroll deposits would have made up the difference needed to be validated as liquid.8.12.19 - Clayton has reviewed and based on borrower income and standard payroll deposits considers this non-material.	8.12.19 - Exception remains.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Overall DTI is 32.66%; max per guidelines is 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  43 months pay history reported for XXX xxXXX on retained property with zero lates reported.
0780847153	CRDINC3204	Income Documentation Missing	No	Most recent 2 years 1120 Corporate returns.  Per LOX, this corporation is currently owned by the borrower and holds title to the retained rental property as further supported on the evidence of hazard insurance.	8.12.19 - Client responded. XXX in which the property at XXX is held.  The income from that property flows directly to the borrower via the schedule E. See attached letter.	8.12.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Overall DTI is 32.66%; max per guidelines is 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  43 months pay history reported for XXX xxXXX on retained property with zero lates reported.
0344082665	CMPTRID4299	TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE	No	Only LE in file is LE XXX. Final CD XXX CCTC Table LE Column Total Closing Costs shows as $26,973 and Cash to Close shows as $651,973. These Values do Not match the LE XXX showing Total Closing Costs as $56,974 and cash to Close as $681,974.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current employer for 14 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 36.49%; guideline maximum is 43%.
0799137988	CMPTRID3706	TRID - Curable Issue #1 related to the Closing Disclosure in file	No	Seller-Paid fee indicated on Seller CD not disclosed on page 2 of the Borrower Final CD.File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 30 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $320,928.09 or 55.61 months PITIA, guidelines requires 18 months reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 800; Minimum credit score for program is 720.
0799137988	CRDDTI105	Debt Ratio Exception 5% or Less	No	Lender approved exception in file for DTI exceeding maximum of 40% for 2nd home purchase.  Compensating factors include 800 qualifying score. Min required per guidelines is 720; Post close reserves are $320,928.09 or 55.61 months PITIA, guidelines requires 18 months reserves and the borrower has been in current profession for 30 years.   Clayton considers non-material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 30 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $320,928.09 or 55.61 months PITIA, guidelines requires 18 months reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 800; Minimum credit score for program is 720.
0255092108	CMPRESPA863	RESPA: Required Affiliate Business Disclosure missing	No	Affiliate Business Disclosure not in file	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  29.41% LTV max allowed per guidelines is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $188,735.64 or 117.64 months, guidelines require 12 months PITIA
0255092108	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	CD XXX-1, XXX-1 and XXX-1 Contact Information Section, no State listed for license numbers, no address listed for seller Mortgage Broker	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  29.41% LTV max allowed per guidelines is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $188,735.64 or 117.64 months, guidelines require 12 months PITIA
0255092108	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	Seller paid RE Commissions on Seller CD, not on Final CD XXX-1. Exception satisfied.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  29.41% LTV max allowed per guidelines is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $188,735.64 or 117.64 months, guidelines require 12 months PITIA
0255092108	CRDINC150	Income docs do not meet guidelines	No	Lender approved exception for accepting YTD P&L statements and Balance sheets prepared by B2.  Compensating factors include 24.34% DTI, max per guidelines is 43%, 29.41% LTV max allowed per guidelines is 80% and 812 qualifying score. Min required per guidelines is 700. Clayton considers non-material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  29.41% LTV max allowed per guidelines is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $188,735.64 or 117.64 months, guidelines require 12 months PITIA
0394335880									CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 39.40% lower than lender max 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves $5573.11 X 12 = $66877.32Post closing reserves $76,709.80
0046496761	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	XXX verification of her annuity income of $8,991  is missing.	7.23.19 - Client responded. See attached annuity statement	7.23.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Effective amount of assets verified is $947,569.42, with liquid assets of $555,490.11.PCL= $392,079.31.$392,079.31 / piti $9355 = 41.91 months reserves. Guides require 12 months reserves. CFCFS1736: Significant time at current residence - Clayton Comments:  Co-borrowers 3 & 4 have owned their current residence for 12 years.
0046496761	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	Seller CD: XXX-1, Closing Cost Details, Other Costs, H. Other, fees paid by Seller include: Home Warranty Fee, Real Estate Commission Fee (same agent used for both Borrower and Seller), Refundable Security Deposit, Seller Rentback, and Title - Owner's Title Insurance Fee. Borrower's Final CD: XXX-1, and post close CD: XXX-1, Closing Cost Details, Other Costs, H. Other, fees paid by Seller include: Home Warranty Fee and Real Estate Commission Fee (same agent used for both Borrower and Seller). Borrower's CDs are missing Seller paid fees that are listed on Seller's CD. Exception satisfied.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Effective amount of assets verified is $947,569.42, with liquid assets of $555,490.11.PCL= $392,079.31.$392,079.31 / piti $9355 = 41.91 months reserves. Guides require 12 months reserves. CFCFS1736: Significant time at current residence - Clayton Comments:  Co-borrowers 3 & 4 have owned their current residence for 12 years.
0046496761	CRDAPP4625	The orig file does not contain a third party fraud report	No	Provide the legible LoanSafe Fraud manager for XXX and XXX.	7.23.19 - Client responded. See attached Third Party Fraud report for XXX and XXX	7.23.19 - Exception satisfied.	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Effective amount of assets verified is $947,569.42, with liquid assets of $555,490.11.PCL= $392,079.31.$392,079.31 / piti $9355 = 41.91 months reserves. Guides require 12 months reserves. CFCFS1736: Significant time at current residence - Clayton Comments:  Co-borrowers 3 & 4 have owned their current residence for 12 years.
0046496761	CRDINC2302	Missing Required Income Documentation	No	XXX verification of her annuity income of $8,991  is missing.	7.23.19 - Client responded. See attached annuity statement	7.23.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Effective amount of assets verified is $947,569.42, with liquid assets of $555,490.11.PCL= $392,079.31.$392,079.31 / piti $9355 = 41.91 months reserves. Guides require 12 months reserves. CFCFS1736: Significant time at current residence - Clayton Comments:  Co-borrowers 3 & 4 have owned their current residence for 12 years.
0635699069									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 780. Minimum credit score for this program is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 39.81%. Max DTI for this program is 43.00%.
0921535455									CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 24%. Max DTI for this program is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $209,605.54  or 51.07 months, guidelines require 12 months PITIA.
0694875724	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	Refers to all CD's: 1) Section: Loan Costs Section B: Appraisal fee is missing the payee name. 2) Section: Other Cost Section F: Homeowner's Insurance Premium Fee is missing specified payee name.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 46 months reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 783. Minimum credit score for this program is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 29%. Max DTI for this program is 43%.
0694875724	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	Seller paid real estate fees are not present on the borrower's Final CD.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 46 months reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 783. Minimum credit score for this program is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 29%. Max DTI for this program is 43%.
0694875724	CMPTRID5107	TRID - Seller CD not in file; need in order to complete fee entry	No	Seller CD is not in the file, need in order to verify seller paid fees.	7.3.19 - Client responded. Requesting Seller side CD from Lender Client.7.17.19 - Client responded. See attached Seller CD.	7.3.19 - Exception remains. 7.17.19 - Exception satisfied.	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 46 months reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 783. Minimum credit score for this program is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 29%. Max DTI for this program is 43%.
0888046046	CMPRESPA863	RESPA: Required Affiliate Business Disclosure missing	No	No Affiliated Business Disclosure found in file.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years at current employer. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower's have 0x30 mortgage histories since 2009.
0888046046	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	Seller-Paid fees indicated on Seller CD not disclosed on page 2 of the Borrower Final CD. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years at current employer. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower's have 0x30 mortgage histories since 2009.
0537102789	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing YTD 2018 Balance Sheet and Profit & Loss Statement for XXX business for XXX. Per Appendix Q, both a Balance Sheet and a P&L statement is required.	8.7.19 - Client responded. Loan approved without requiring P&L and Balance Sheet. Re-status loan as Non-QM and re-grade accordingly.	8.7.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative credit score is 772; Min score required for the product is 700; CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is  27.09%; Maximum DTI for the product is 43%;
0537102789	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	Final CD XXX-1 Other Costs Section missing following Seller Paid fees that appear on Seller CD: Handling Fee, taxes and RE Commission. Exception satisfied.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative credit score is 772; Min score required for the product is 700; CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is  27.09%; Maximum DTI for the product is 43%;
0537102789	CMPTRID5111	TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered	No	LE XXX-1 E-signed; no E-consent in file	8.9.19 - Client responded. Agree - contacting Correspondent Lender for e-Consent documentation9.17.19 - Client responded. See attached eConsent form	8.9.19 - Exception remains. 9.17.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative credit score is 772; Min score required for the product is 700; CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is  27.09%; Maximum DTI for the product is 43%;
0537102789	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per lender re-status as Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative credit score is 772; Min score required for the product is 700; CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is  27.09%; Maximum DTI for the product is 43%;
0537102789	PRVAAPPR275	Completed "Subject To" w/o Completion Cert in File	No	Final inspection was obtained however construction was not completed at that time; Appraiser provided cost to cure for approx. $13,750.00;	8.7.19 - Client responded. See attached escrow holdback agreement for the minor uncompleted work that needed to be finished.	8.7.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative credit score is 772; Min score required for the product is 700; CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is  27.09%; Maximum DTI for the product is 43%;
0230199731	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	RE Commission Fees on Seller CD are not Disclosed on Borrower Final CD. Exception Satisfied.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 10 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at current residence for the past 2 years.
0194649465									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current employer for 17.5 years. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have has 0x30 for more than 24 months.
0403429564									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $163,668.15 or 29.70 months PITI CFCFS2854: Significant time in profession - Clayton Comments:  B1 employed in same profession 10 years
0211614348	CMPTRID4276	TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain the same values for Downpayment/Funds From Borrower but Did This Change? = Yes	No	Final CD XXX XXX Table Values for the Downpayment are the same but shows YES this did change. The LE Column Value is changed on PCCD XXX, however, the Value in the LE Column is incorrect. PCCD Correcting the LE Column Value and the Description to say NO this did Not Change required, LOE and proof of delivery.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at current residence for the past 5 years and 5 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for the past 5 years and 9 months. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.
0211614348	CMPTRID4282	TRID - CD: The value for Downpayment/Funds From Borrower in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE	No	PCCD XXX XXX Table LE Column the Downpayment shows as $130. Final LE XXX Downpayment shows as $XXX. PCCD, LOE and proof of Delivery required.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at current residence for the past 5 years and 5 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for the past 5 years and 9 months. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.
0800590972									CFCFS1744: DTI below guideline requirement - Clayton Comments:  20.41% DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  807 qual score.
0396365775									CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 12 years.Co-Borrower has been in the same profession for 11 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 26.43%; guideline maximum is 43%.
0180177789									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been wage employed for14 years. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Housing expense reduced by $175 per month. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  772 qualifying score. Min required per guidelines is 700.
0073103433									CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 14.34% is below the maximum of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 13 years
0689922795	CMPTRID5019	TRID - Closing Disclosure; Optional designation missing from optional insurance product	No	Initial CD XXX Other Cost Section H, Home Warranty Fee Optional designation is missing from the optional insurance product.  Requires PCCD.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current Employer for 19.4 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 16.48%; guideline is 43%.
0689922795	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	Final CD XXX Contact Information Section a Real Estate Broker for Seller was disclosed as XXX. Real Estate Commission only listed on Seller CD.  Exception Satisfied.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current Employer for 19.4 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 16.48%; guideline is 43%.
0826233931									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $223,123.81 or 38.11 months PITIA CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower's renting current residence 10 years.
0061694363	CMPROR117	ROR - Expiration date on form prior to end of rescission period	No	ROR Signed XXX with Rescission Date of XXX, Final CD Disbursement Date is XXX. Mortgage Notary Date is XXX which then puts the Rescission Date at XXX and Disbursement Date on CD should be XXX.	8.9.19 - Client responded. Reopen rescission required to remedy. 10.3.19 - Client Response - 10/1/2019 update:  CD was signed XXX, ROR signed XXX, and Security Instrument was signed and dated by borrower XXX.  Notary incorrectly input XXX as notary date.   Title Company filed scrivener affidavit with county to correct notary date to XXX.  Attached.10.3.19 - Client provided Scriveners Error Affidavit Correcting Notary Date.	8.9.19 - Exception remains.10.3.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Post close reserves $315,468.65  or 44.06 months PITIA, guidelines required 12 months PITIA. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B1 Allowance/housing income not used to qualify. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 30%. Max DTI for this program is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 59.00%. Max LTV for this program is 80.00%.
0061694363	CMPROR2330	ROR - Disbursement date is before end of statutory rescission period	No	ROR Signed XXX with Rescission Date of XXX, Final CD Disbursement Date is XXX. Mortgage Notary Date is XXX which then puts the Rescission Date at XXX and Disbursement Date on CD should be XXX.	8.9.19 - Client responded. Reopen rescission required to remedy. 10.3.19 - Client Response - 10/1/2019 update:  CD was signed XXX, ROR signed XXX, and Security Instrument was signed and dated by borrower XXX.  Notary incorrectly input XXX as notary date.   Title Company filed scrivener affidavit with county to correct notary date to XXX.  Attached.10.3.19 - Client provided Scriveners Error Affidavit Correcting Notary Date.	8.9.19 - Exception remains. 10.3.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Post close reserves $315,468.65  or 44.06 months PITIA, guidelines required 12 months PITIA. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B1 Allowance/housing income not used to qualify. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 30%. Max DTI for this program is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 59.00%. Max LTV for this program is 80.00%.
0965394786	CMPRESPA863	RESPA: Required Affiliate Business Disclosure missing	No	Required Affiliate Business Disclosure missing	7.23.19 - Client responded. "See attached Privacy Disclosure, that on page two gives the definition of affiliates and than states  Primary  XXX. has  no affiliates	7.23.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 35%. Max DTI for this program is 43%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in his profession for 22 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 24 months reserves. 12 months required for this program.
0848744571	CMPRESPA863	RESPA: Required Affiliate Business Disclosure missing	No	Affiliate Business Disclosure missing	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 36.82%; max allowed DTI per guidelines is 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 802; minimum required credit score per guidelines is 680.
0848744571	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	CD: XXX [Last CD], Sections Loan Costs Section C and Other Costs Section H: there are seller paid fees listed on the seller's CD that are not present on the borrower's CD. Exception satisfied.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 36.82%; max allowed DTI per guidelines is 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 802; minimum required credit score per guidelines is 680.
0848744571	CMPTRID3600	TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered	No	Please provide evidence the borrower signed an electronic consent prior to issuance of CD dated XXX	6.27.19 - Client responded. Contacting Lender Client for copy of eConsent. Pending remediation7.2.19 - Client responded. See attached eConsent form	6.27.19 - Exception remains. 7.2.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 36.82%; max allowed DTI per guidelines is 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 802; minimum required credit score per guidelines is 680.
0848744571	CMPTRID5111	TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered	No	Please provide evidence the borrower signed an electronic consent prior to issuance of LE dated XXX	6.27.19 - Client responded. Contacting Lender Client for copy of eConsent. Pending remediation7.2.19 - Client responded. See attached eConsent form	6.27.19 - Exception remains. 7.2.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 36.82%; max allowed DTI per guidelines is 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 802; minimum required credit score per guidelines is 680.
0648135165	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	Last LE dated XXX reflects lender credit of $2494. All CD's reflect no lender credit and no COC in file for reason lender credit removed.	8.9.19 - Client responded. Agree:  Lender credit $1531 on 3/19 Loan Estimate was removed and no CoC in file (Note: Lender credit is $1531 not $2494). Contacting Correspondent Lender for remediation9.24.19 - Client responded. See attached COC	8.9.19 - Exception remains. 9.24.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score 759 is 59 points higher than 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 32.97%, guideline max is 43%
0464301204									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current employer for 17.6 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 25.95%; guideline maximum is 43%.
0182854453	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	RE Commission Fees are disclosed on Seller CD but not disclosed on Borrower Final CD. Exception Satisfied.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 40 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  803 qualifying score. Min required per guidelines is 700.
0067071770									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $117,490.06. Reserves required $5331.80 x 18 = $69,313.40.
0197614680									CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the same residence for the past 2 years and 9 months. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  775 qualifying score. Min required per guidelines is 700.
0752300735	CMPTRID3568	TRID - Error discovered on the Loan Estimate	No	LE XXX & Final LE XXX:  NMLS Lender missing State license entry. Corrected on CD XXX. Exception satisfied.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI is 43%.  Transaction DTI is 24.95%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  794 qualifying score. Min required per guidelines is 700.
0140292003	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	CD dated XXXlist inaccurate math on section F. Prepaid total is $18, 127.99 and not the $17,057.33 listed. Incorrect calculation continued in section I and J. Original issue is the difference found in section F for $1070.66.	7.26.19 - Client responded. "Disagree.  Section F total = $17,057.33.  The breakdown is as follows Homeowner's Insurance Premium $1342.00 + First and Second Half Taxes $16,250.66 - Prepaid Interest $535.33.  The prepaid interest is a credit and not a charge.  TPR inadvertently added the prepaid interest in calculating the Section F total instead of subtracting.  Section I and J totals are consequently accurate as well.	7.26.19 - Exception satisfied.	Hybrid	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI is 26.10; guidelines require 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the job for over 8 years with XXX.
0484482818									CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers resided at subject property for 13.6 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in XXX profession for 20 years. Co-borrower employed in XXX industry for 26 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower with current employer for 26 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history on subject property of 0x30 for 157 months when 12 months required.
0098578479									CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% is 5% higher than 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 793 is 93 points higher than 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 37.26% is 5.74% less than 43%.
0159247599	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	CD: XXX & Final CD XXX. Section: Other Costs; Section (E) missing Itemization of Recording Fees. Corrected on Post CD XXX. Exception satisfied.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current employer for 18 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit Score is 720; Credit score exceeds guidelines of 680.
0298538035									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  759 qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 24.00%, max per guidelines is 43%.
0471586929	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	The Seller CD section H contains fees that were not included on the final CD.  Exception satisfied.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same industry for14 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit Score is 807; Credit score exceeds guidelines of 680.
0246986674	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	Seller CD reflects following fees not listed on Final CD: Cushion, Document Handling, Messenger Fee.Seller CD reflects different amount for Sub-Escrow fee than stated on Final CD. Exception satisfied.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 13 years on the job with his current employer. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  The Co - Borrower has been with the same employer for 17 years.
0246986674	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	LE XXX Loan Costs Section B increased appraisal fee from $410 to $510, No COC was provided disclosing increase in fee, need refund check to borrower in the amount of $100.00, LOX, and proof of delivery to borrower	8.19.19 - Client responded.  The LE issued XXX disclosed an increase in the Appraisal fee in the amount of $510, with a valid Change Circumstance reason of a more complex appraisal being required, and meets 3 day timing. Copy of Changed Circumstance is attached. This is not a testing defect so no corrective action is required.	8.19.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 13 years on the job with his current employer. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  The Co - Borrower has been with the same employer for 17 years.
0007203024									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current place of employment for 14 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 10 years
0802874812									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employment for 12 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been with same employer for 10 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 12 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 804 is 104 points higher than 700.
0738319626									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for 14.1 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 14 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score 803 is 103 points higher than 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 29.38% is 13.62% less than 43%.
0596300967	CRDLGL2642	Missing proof that HELOC has been paid and closed to future draws	No	The loan file is missing EXECUTED evidence that the XXX HELOC  is paid and closed to future draws.	7.30.19 - Client responded. See attached affidavit of payment and release and title policy.	7.30.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 17.59%. Max DTI for this program is 43.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 56.42%. Max LTV for this program is 80.00%.
0066074404	CMPFINT106	Finance charge understated by more than $100 (Pmt Stream)	No	Final CD XXX-2, Section: Loan Calculations, Amount Financed is stated as $518,233.43, however after review completed Amount Financed Calculated as $517,112.52. Under Disclosed amount of -$1,120.91. Missing list of fees included in APR and breakdown of credits when applicable. PCCD dated XXX corrects error.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 803; Minimum credit score for program is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 46.90%; Maximum LTV for program is 80.00%
0066074404	CMPFINT4372	TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed	No	Final CD XXX-2, Section: Loan Calculations, Amount Financed is stated as $518,233.43, however after review completed Amount Financed Calculated as $517,112.52. Under Disclosed amount of -$1,120.91. Missing list of fees included in APR and breakdown of credits when applicable. PCCD dated XXX corrected error.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 803; Minimum credit score for program is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 46.90%; Maximum LTV for program is 80.00%
0066074404	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	Final CD XXX-2, Post CD XXX, & Post CD XXX Contact Information Section a Real Estate Broker for Seller was disclosed as XXX. However in the Other Costs Section H missing disclosed Real Estate Commission fee for Seller being paid. Exception satisfied.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 803; Minimum credit score for program is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 46.90%; Maximum LTV for program is 80.00%
0083957083	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	Seller-Paid fees indicated on Seller CD not disclosed on page 2 of the Borrower Final CD. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum required credit score is 700.  Representative credit score is 794. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Additional income from XXX and XXX businesses totaling $30,630.57 was not used to qualify. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI is 43.00%.  Transaction DTI is 31.53%.
0083957083	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	CD: XXX, Section: Contact Information.  The Sellers fee; Doc Prep, Escrow Fee, Guaranty, Tax Cert, Real Estate Commission (XXX) Service Contract & Owners Title Insurance Fees  in section H is missing.  Sellers Fee are in section H on Sellers CD. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum required credit score is 700.  Representative credit score is 794. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Additional income from XXX and XXX businesses totaling $30,630.57 was not used to qualify. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI is 43.00%.  Transaction DTI is 31.53%.
0480258643									CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 31.82%, max per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 40%; max allowed per guidelines is 80%.
0432802722	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 0.00CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4947.16CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 0.00CD: XXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4947.16	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Lender did not use income from other owned business 2017 Sch E $246,148 and 2016 $180,064/24=$17,758.83 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $171,265.88 (46 mos).  Reserves required $3,688.69 x12 = $44,264.28.
0451121628									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employment for 12.4 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 15 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 55.56% is 24.44% less than 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 8.51% is 34.49% less than 43%.
0094132506	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing YTD 2018 Balance Sheet for XXX business showing in Schedule C on the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage. Only the P&L statement is in file.	7.31.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly	7.31.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 26.70% lower than lender maximum DTI 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves Required  $4,939.39 X 12 = $59,272.68 Post closing reserves $131,938
0094132506	CMPTRID4223	TRID - CD: The total Services Borrower Did Not Shop For amount disclosed in the CD Loan Costs section does not equal its component parts	No	CD: XXX Section: Loan Costs Section B: Disclosed amount per CD is $5,082.65 however review calculates $5002.65. Please provide an updated PC-Cd reflecting the correct total for services borrower did not shop for.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 26.70% lower than lender maximum DTI 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves Required  $4,939.39 X 12 = $59,272.68 Post closing reserves $131,938
0094132506	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	Satisfied: Seller CD and Borrower Final CD provided but only Seller CD reflects Real Estate Commissions. Exception satisfied.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 26.70% lower than lender maximum DTI 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves Required  $4,939.39 X 12 = $59,272.68 Post closing reserves $131,938
0094132506	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Client - Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 26.70% lower than lender maximum DTI 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves Required  $4,939.39 X 12 = $59,272.68 Post closing reserves $131,938
0440515802	PRVAVALU153	Value Not Supported	No	A Desk Review was received with a reported value of $XXX which is a variance of 13.73% less than the original appraised value of $XXX. A field review has been ordered.	8.12.19- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.	8.12.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Credit Score 808; guidelines allow a minimum Credit Score 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $1,047,500.91 in total assets documented. Effective amount is $1,047,500.91, with the liquid assets the same. Post close reserves are $776,283.14. Reserves required $5,638.57 x 12 = $67,662.84.
0166991701	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period	No	Please provide proof initial CD dated XXX was received by borrower 3 days before consummation date of XXX.	7.26.19 - Client responded. Disclosure tracking provided reflecting CD received on XXX.	7.26.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same professional for 15 years. CFCFS2860: Good credit history - Clayton Comments:  Excellent credit history-no lates(799 FICO)
0275916197	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	Initial CD XXX and Final CD XXX Other Costs Section H Home Warranty Fee and Natural Hazard Disclosure Report Fee   shows 'TBD' as Payee.  Corrected on the PCCD dated XXX. Exception satisfied.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70% is 10% less than 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score 756 is 56 points higher than 700.
0275916197	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	The loan file is missing proof of the Monthly HOA and Master insurance totaling $658.25  as indicated per the Lender's debt worksheet in file for the departing resident ion XXX totaling PITIA of $5285.63 ( P&I $2220.63, property taxes $2339.68 , homeowners  insurance $67.17, HOA dues and Master Insurance $658.25).	8.8.19 - Client responded. Please see attached bank statement showing HOA withdrawal of #325 monthly (multiple statements are in file) as well as the insurance for the departure residence.	8.8.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70% is 10% less than 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score 756 is 56 points higher than 700.
0381780907	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	Seller CD has fees not present on borrowers final CD. Exception satisfied.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the same residence for the past 24 years.
0931852002	CMPATRQM2900	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination.	No	Clayton and lender calculated 43.08% DTI exceeds the 43% maximum per guides; Subject PITI $9570.20 + other debts $1630.62 (includes a 1.15% of balance pmt for student loan and 5% of current balance for XXX acct, as required per guides)/total calculated income of $26002.58= 43.08% DTI.	8.13.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly	8.13.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer for 8 years and 3 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in XXX for 8 years and 3 months. Co-borrower employed in XXX for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  774 qualifying score. Min required per guidelines is 700
0931852002	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	Clayton and lender calculated 43.08% DTI exceeds the 43% maximum per guides; Subject PITI $9570.20 + other debts $1630.62 (includes a 1.15% of balance pmt for student loan and 5% of current balance for XXX acct, as required per guides)/total calculated income of $26002.58= 43.08% DTI.	8.13.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly	8.13.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer for 8 years and 3 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in XXX for 8 years and 3 months. Co-borrower employed in XXX for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  774 qualifying score. Min required per guidelines is 700
0931852002	CMPROR1909	Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor	No	Lender on title is XXX and new loan originated by XXX.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer for 8 years and 3 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in XXX for 8 years and 3 months. Co-borrower employed in XXX for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  774 qualifying score. Min required per guidelines is 700
0931852002	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client; Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer for 8 years and 3 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in XXX for 8 years and 3 months. Co-borrower employed in XXX for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  774 qualifying score. Min required per guidelines is 700
0931852002	CRDAST2354	Asset Verification In File is Incomplete Per Requirements	No	Lender approved exception in file to waive liquidation requirements for the stock funds on this transaction. Compensating factors include;  774 qualifying score. Min required per guidelines is700, 69.82% LTV max allowed per guidelines is 80 borrower has been in current profession for 8 years, Clayton considers non-material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer for 8 years and 3 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in XXX for 8 years and 3 months. Co-borrower employed in XXX for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  774 qualifying score. Min required per guidelines is 700
0931852002	CRDDTI105	Debt Ratio Exception 5% or Less	No	Lender approved exception in file for 43.08% DTI exceeds the 43% maximum per guides; Subject PITI $9570.20 + other debts $1630.62 (includes a 1.15% of balance pmt for student loan and 5% of current balance for XXX acct, as required per guides)/total calculated income of $26002.58= 43.08% DTI.  Compensating factors include;  774 qualifying score. Min required per guidelines is 700, 69.82% LTV max allowed per guidelines is 80 borrower has been in current profession for 8 years, Clayton considers non-material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer for 8 years and 3 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in XXX for 8 years and 3 months. Co-borrower employed in XXX for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  774 qualifying score. Min required per guidelines is 700
0622759677	CMPROR1909	Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor	No	Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $3,069,880.58.  12mo reserves or $170,236.08 required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 802; Minimum credit score for program is 700.
0622759677	CRDTER3262	Property issues indicated	No	Appraisal Updated completed XXX for recertification of value was not signed by appraiser. Considered non-material.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $3,069,880.58.  12mo reserves or $170,236.08 required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 802; Minimum credit score for program is 700.
0503667682	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file	No	List of homeowners counseling organizations not in file	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 767; Minimum for program is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current XXX job for 15 years.
0503667682	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 767; Minimum for program is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current XXX job for 15 years.
0503667682	CMPTRID3476	TRID - Written List of Providers not provided or untimely	No	Written List of Providers not provided	10.28.19 - Client Responded. Disagree:  See attached Service Provide List (SPL).	10.28.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 767; Minimum for program is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current XXX job for 15 years.
0503667682	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	Ten percent tolerance of $2141.64. Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $2141.64 for fee for ten percent tolerance fees relating to Inspection Fee, Title settlement closing Fee, Doc Prep, Lenders Title Endorsement, Endorsement fees, Closing Protection Letter, Courier fees, and Recording fees. This error was due to the Written List of Providers not being included in the file.	10.28.19 - Client Responded. Disagree:  See attached Service Provide List (SPL).	10.28.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 767; Minimum for program is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current XXX job for 15 years.
0503667682	CRDAST3078	Insufficient # of months cash reserves for PITI per guideline requirements	No	Total required reserves $6,481.32 x 36 = $233,327.52.  Total liquid reserves verified after close of $54,101.66.  Short verified liquid reserves of $62,562.10.  Total borrowed funds stated of XXX. XXX of these funds were verified deposited to XXX.	10.24.19 - Client responded. Funds from the XXX had sufficient funds in combination with the XXX account to meet the cash to close requirements. Documents attached.10.24.19 - Clayton has reviewed loan advance to XXX did not provide for new payment associated with advance.10.29.19 - Client responded. Property associated with advance documentation supplied and attached.	10.24.19 - Exception remains10.29.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 767; Minimum for program is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current XXX job for 15 years.
0025840879	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	All CD's Loan Costs Section B Escrow Fee and Notary Fee is missing Payee.  Requires LOX and PCCD.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 765 exceeds guidelines CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been XXX at current job for 13 years
0163875355	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing fully executed evidence that the XXX HELOC has been closed to future draws, as is required by title evidence and payoff statement.	10.15.2019 - Client responded.  Provided an updated credit report showing the HELOC with XXX has been Closed on XXX.	10.15.2019 - Exception satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in the same profession for 15 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.83%; guideline maximum is 43%.
0163875355	CMPTRID3670	TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation	No	0% Tolerance Violation of $5 due to Appraisal increase from $650 to $655 with no COC to validate the Increase. Provide PCCD, LOE, Proof of Delivery and Refund Check of $5.	10.11.19 - Client responded. Agree:  Appraisal Fee increased $650 to $655.  No Change of Circumstance in file.  Over tolerance refund of $5, PC CD, LOX, Proof of Delivery10.22.19 - Client Responded. See attached PC CD, LOX, Refund, evidence of delivery	10.11.19 - Exception remains. 10.22.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in the same profession for 15 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.83%; guideline maximum is 43%.
0163875355	CRDLGL2642	Missing proof that HELOC has been paid and closed to future draws	No	Missing fully executed evidence that the XXX HELOC has been closed to future draws, as is required by title evidence and payoff statement. Clayton considers non-material based on compensating factors of 27.83% DTI, 720 qual score, $10K/mo. residual income and 66.67% LTV.	10.15.2019 - Client responded.  Provided an updated credit report showing the HELOC with XXX has been Closed on XXX.	10.15.2019 - Exception satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in the same profession for 15 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.83%; guideline maximum is 43%.
0084072021	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job; B2 on current job 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $309,614.35.  Per program guidelines, 12mo PITI/PL  required or $52,643.16.
0522418689	CRDAST3078	Insufficient # of months cash reserves for PITI per guideline requirements	No	Approved lender exception for liquid reserves.  Required reserves $65,799.48, verified liquid reserves $17,293.21.  Short liquid reserves of $15,606.53. Clayton considers non-material based on compensating factors of total reserves 22 months PITI, low DTI of 29.65% and credit score of 751.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 751 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI 29.63%; guidelines allow a maximum DTI 43.00%.
0522418689	CRDLGL2642	Missing proof that HELOC has been paid and closed to future draws	No	Missing fully executed evidence the HELOC with XXX has been closed to future draws as required; all payoff statements and authorizations to close in file have not been executed.  Clayton considers non-material based on compensating factors of total reserves 22 months PITI, low DTI of 29.65% and credit score of 751.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 751 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI 29.63%; guidelines allow a maximum DTI 43.00%.
0290396992	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing proof HELOC with XXX ending in XXX as been closed to future draws as required; all payoff statements and authorizations to close in file have not been executed.	11.13.19 - Client responded. See attached letter re: payoff and close of HELOC	11.13.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 22.63%, max allowed per G/L is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $95,050.70.   Reserves required $4,351.71 x 12 = $52,220.52
0290396992	CRDLGL2642	Missing proof that HELOC has been paid and closed to future draws	No	Missing proof HELOC with XXX ending in XXX has been closed to future draws as required; all payoff statements and authorizations to close in file have not been executed.  Clayton considers non-material based on compensating factors of low DTI 22.62%, reserves of 21 months PITI and residual income of $23,890.90 monthly.	11.13.19 - Client responded. See attached letter re: payoff and close of HELOC	11.13.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 22.63%, max allowed per G/L is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $95,050.70.   Reserves required $4,351.71 x 12 = $52,220.52
0313726905									CFCFS1744: DTI below guideline requirement - Clayton Comments:  22.23% DTI below guideline max of 43% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower had owned previous residence for 7 years
0344461168	CRDINC126	Length of employment/self-employment does not meet guidelines	No	Approved Lender exception for B2 employment start date after note date. Clayton considers non-material based on compensating factors of 31.67 months PITI reserves vs 12 months required, DTI of 21%, and strong residual income of $18,301.90 monthly.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $94,460.  Reserves required $2,983.01 x 12 = $35,796.12 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 21%, max allowed per G/L is 43%
0119488030									CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has own previous residence for 14 years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with XXX for 21 years
0660983732									CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrowers LTV 39.18%; guidelines allow a maximum LTV 70.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Credit Score 799; guidelines allow a minimum Credit Score 740.
0719668371	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $281,118.57.  Reserves required $5357.12 x 18 = $96,428.16 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 28.57%, max allowed per G/L is 40%
0641359241	CMPTRID3476	TRID - Written List of Providers not provided or untimely	No	Initial 1003 dated XXX Written List of Providers dated XXX.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Borrowers median credit score is 772; exceeding guideline minimum. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 37.16; less than guideline minimum.
0876846986									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  23 months cash reserves exceeds the 18 months required by guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  789 credit score exceeds the 720 score required by guidelines
0539656690									CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 49.25% and maximum allowed is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 811 and minimum required is 700.
0532953627	CRDLGL2644	Missing proof there were no draws on HELOC in the last 12 months > $2,000	No	Missing 3 months of payment history to determine a full 12 months of no draws on the HELOC being paid off through this transaction;  HELOC opened in 2017 however only the current lender history was obtained showing most recent 9 months with not draws.  Clayton considers non-material based on compensating factors of 3466% DTI, 795 qual score, 43 months of reserves and $8k/mo. residual income.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower is over 12 months at the current  job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score required is 700;  Borrower credit score is 795;
0268459998	CMPTRID4299	TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE	No	LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: -$7541.CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: XXX.  Requires LOX and PCCD.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for over 6 years; reflecting stability. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 26.33; less than guideline minimum.
0268459998	CMPTRID4309	TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE	No	LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: $6651.CD:XXX [Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: $3683.00.  Requires LOX and PCCD.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for over 6 years; reflecting stability. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 26.33; less than guideline minimum.
0268459998	CMPTRID4312	TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE	No	LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Total Payoffs and Payments, Value: -$535110.CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Total Payoffs and Payments (K) - Loan Estimate, Value: XXX.  Requires LOX and PCCD.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for over 6 years; reflecting stability. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 26.33; less than guideline minimum.
0268459998	CMPTRID3600	TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered	No	Missing evidence of e-sign consent.  Provide copy of missing document.	10.28.19 - Client Responded. See attached eConsent	10.28.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for over 6 years; reflecting stability. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 26.33; less than guideline minimum.
0401987927									CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in same profession for 15 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrowers LTV 76.57%; guidelines allow a maximum LTV 80.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI 21.61%; guidelines allow maximum DTI 43.00%.
0804083355	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $552,046.12.  Reserves required $7383.43 x 12 = $88,601.16 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 23.29%,max allowed per G/L is 43%
0804083355	CMPTRID3604	TRID - Error discovered on Closing Disclosure	No	CD: XXX CD XXX, & Final CD XXX Section: Contact Information; Real Estate Broker(B) missing address entry.  Requires LOX and PCCD.	11.11.19 - Client Responded. Disagree: see attached PC CD and LOX	11.11.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $552,046.12.  Reserves required $7383.43 x 12 = $88,601.16 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 23.29%,max allowed per G/L is 43%
0864858405	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Borrowers Credit Score 802; guidelines allow a minimum Credit Score 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI 25.15%; guidelines allow a maximum DTI 43.00%.
0864858405	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period	No	Missing evidence XXX was received  6 days prior to consummation .	10.22.19 - Client Responded. Disagree:  see attached eConsent dated XXX and disclosure tracking XXX.   Closing Disclosure opened and acknowledged on XXX.	10.22.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Borrowers Credit Score 802; guidelines allow a minimum Credit Score 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI 25.15%; guidelines allow a maximum DTI 43.00%.
0100949224									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 785; Minimum for program is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $255,914.92.  Per program guidelines, 12mo PITI/PL  required or $74,032.20.
0850150329									CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have been in their same profession for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 786 and minimum required is 720.
0316023138	CMPFINT4372	TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed	No	CD dated XXX Loan Calculations, Amount Financed reflected $896,439.75.  Review Calculation was $896,399.75.  PCCD in file does not correct.  Requires PCCD, Cure via refund, LOX and proof of delivery. Rescission if applicable.	10.28.19 - Client Responded. Disagree - CD Amount Financed disclosed = $896,439.75.  XXX testing calculated Amount Financed calculated = $896,439.80.  The difference is  $0.05 and within  tolerance.  The location of the $0.05 difference is from the disclosed prepaid interest of $968.80 and the calculated prepaid interest $968.75.10.28.19 - After Further review. Verified Notary Fee was incorrectly named.	10.28.19 - Exception Satisfied.	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 780; guidelines allow a minimum Credit Score 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV 53.57%; guidelines allow a maximum LTV 70.00%.
0296538185	CMPTRID3476	TRID - Written List of Providers not provided or untimely	No	Written List of Providers not provided	10.28.19 - Client Responded. See attached Service Provider List	10.28.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 employed in same profession 34 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 789 exceeds guidelines
0296538185	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	Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $25 for zero percent tolerance fees related to Title Endorsement Fees.  Requires LOX, PCCD, Refund and proof of shipping.	10.22.19 - Client Responded. Disagree: the $25 cited by investor incorrectly placed title endorsement fee in the zero percent category.  Title endorsement fee previously listed on the Loan Estimate in the 10% category remained in the ten percent category on Borrower Closing Disclosure and Final Closing Disclosure.  In addition, Title Endorsement fee was increased by $25.  Combined with the decrease of title courier/express mail fee $50 to $0. Ten percent threshold passes 10% tolerance test. This is not a testing defect so corrective action is not required.10.22.19 - After further review the Service Provider List is Not provided in file. Service Provider List required for Fee Allocation. With no SPL the Fees are Automatic 0%.10.24.19 - Client Responded. Requesting remediation to obtain the Service Provider List.10.28.19 - Client Responded. See attached Service Provider List	10.22.19 - Exception Remains.10.24.19 - Exception Remains.10.28.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 employed in same profession 34 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 789 exceeds guidelines
0403270653	CMPTRID5107	TRID - Seller CD not in file; need in order to complete fee entry	No	Per TRID 2.0 Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related. Exception satisfied.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned primary current residence 10 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $4,603,211.98 or 1060.30 months PITIA
0403270653	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	Seller-paid real estate Fees that should have been disclosed in Section H is not disclosed on final CD XXX.Exception satisfied by PCCD XXX	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned primary current residence 10 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $4,603,211.98 or 1060.30 months PITIA
0403270653	CRDDTI105	Debt Ratio Exception 5% or Less	No	Approved lender exception for DTI > 40% on second home.  Clayton considers non-material based on compensating factors of low LTV 56.57% and residual income of $22,076.73 monthly.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned primary current residence 10 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $4,603,211.98 or 1060.30 months PITIA
0841468619	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  802 credit score exceeds guidelines required score of 720 by 82 points CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been in primary residence for 28 years
0410491377	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798 and minimum required is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $273,051.06.  Reserves required $4259.23 x 12 = $51,110.76
0410491377	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	10% Tolerance of $10.00 on final CD XXX due too increase in Inspection fee with no COC in file. Letter of explanation, corrected Closing Disclosure, refund, proof of delivery required within 60 days of consummation.	10.28.19 - Client Responded. Disagree:  See attached  PC CD, LOX, and Refund.10.28.19 - After Further review verified 0% Tolerance due to Appraisal Inspection Fee of $10.	10.28.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798 and minimum required is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $273,051.06.  Reserves required $4259.23 x 12 = $51,110.76
0207936843									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $83,028.31 or 19.85 months PITI CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in same profession 7 years
0560535952	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798 and minimum required is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 24.6% and maximum allowed is 43%.
0482575337	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	DTI exceeds 43%.  Total income $48,674.54  total debts $22,602.21 for DTI 46.44%; DTI 46.44%.  total income $48,674.54 (Base $11.667, Annual and Sales Bonus $8,8895.75, Commission $20,287.96 and RSU $7,724.17) Subject PITI $13,464.46 + Consumer Debt $1,406.75 + REO $7,731 = $22,602.21 for DTI of 46.44%.	10.22.19- Client responded. Re-status loan as Non-QM and re-grade accordingly.	10.22.19- Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 770; Minimum for program is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 19 years.
0482575337	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	Ten tolerance of $11.20. Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $11.20 for increase in recording fees which fall within the ten percent tolerance.  Requires LOX, PCCD, Refund and proof of shipping.	Agree: Recording fees increased from $168.00 to $196.00 which requires a refund in the amount of $11.20 to cure the ten percent over tolerance. Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $11.20 for increase in recording fees which fall within the ten percent tolerance. Requesting remediation.11.25.19 - Client Responded.	10.22.19 - Exception Remains.11.25.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 770; Minimum for program is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 19 years.
0482575337	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Client responded. Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 770; Minimum for program is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 19 years.
0768971662	CMPDOC225	Missing Rider	No	Appraisal in File shows Property Type as Detached PUD. Mortgage page 2 does not have PUD Rider checked and No PUD Rider provided in File.  Provide copy of missing document.	10.21.19- Client responded. Unable to provide. Title is file reflect the subject as a single family dwelling not a PUD.	10.21.19- Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 774; Minimum for program is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves of 60 months PITI exceeds minimum of 12 months,
0768971662	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	No	CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 0.00CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXXCD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 0.00CD: XXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 774; Minimum for program is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves of 60 months PITI exceeds minimum of 12 months,
0768971662	CRDTER3262	Property issues indicated	No	Approved lender exception for unacceptable property (subject is A Frame).  Clayton deems non-material based on compensating factors of low DTI 22.37%, credit score 774, low LTV/CLTV/HCLTV 45.25/45.25/51.29%  and cash reserves of 60 months PITI	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 774; Minimum for program is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves of 60 months PITI exceeds minimum of 12 months,
0341377262	CMPROR2330	ROR - Disbursement date is before end of statutory rescission period	No	Final CD XXX Disbursement date is before end of statutory rescission period.	10.11.19 - Client responded. Agree:  CD indicates disbursement date XXXand Per diem start date XXX.   Per ROR, disbursement date should be XXX.  Final Settlement Statement indicates funds disbursed on XXX.  Post Consummation CD with correct disbursement date and per diem date required to remedy issue.10.17.19 - Client Responded. See attached PC CD with corrected disbursement date	10.11.19 - Exception remains.10.17.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $362,390.61 or 57.57 months PITIA, guidelines require 12 months PITIA. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower's have owned current residence 10 years
0318454281									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $341,728.84.  Reserves required $6565.79 x 12 = $78,789.48 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 11.79%, max allowed per G/L is 43%
0831939988									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 13 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  29.98% LTV below guideline max of 75%
0658303941	CMPSTCP2057	Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file	No	Missing document. Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file.  Provide copy of missing document.	10.22.19 - Client Responded. Disagree. Copy of Certificate of Exemption attached.	10.22.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the same employer for 5.6 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been employed with the same employer for 6.2 years.
0627253037	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  766 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing reserves  $472903.53 or 56.84 months, guidelines require 12 months PITIA .
0549888506	CMPROR1909	Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor	No	H8 ROR form used on lender to lender refinance.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is  804; Min Credit score required is 680; CFCFS1744: DTI below guideline requirement - Clayton Comments:  Max DTI is  43%; Borrower DTI  is 19.65%
0173045918									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in current job for 8 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 788 and minimum required is 700.
0353041815									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  811 credit score exceed guidelines required score of 720 by 91 points CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 10 years
0757546012	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 792 and minimum required is 700. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has 9 years at current job.
0617931850									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Credit Score 714; guidelines allow a minimum Credit Score 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI 35.64%; guidelines allow a maximum DTI 43.00%.
0264969075									CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 35.73%; guideline maximum is 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been employed with the current employer for 12.5 years.
0368390685	CMPROR113	ROR - Missing Right of Rescission form	No	Missing Right of Rescission form.  Provide copy of missing document.	10.22.19 - Client Responded. Disagree:  per 1026.23, transaction to construct or acquire a principal dwelling is exempt.   Loan is permanent financing phase of new construction and meets Residential Mortgage Transaction definition.	10.22.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 35%. Max DTI for this program is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 48.27%. Max LTV for this program is 80.00%.
0368390685	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	Ten percent tolerance fee $220.40 for increase Title Fees.  Requires LOX, PCCD, refund and proof of shipping.	10.22.19 - Client Responded. Agree: The Title fees were disclosed on the initial LE in Section C as items the borrower can shop for.  A Service Provider List was provided disclosing at least one service provider and stating that the borrower can shop for another provider. The Title fees that the borrower shopped for should be a 10% category fee.  The refund amount due to the borrower should be $220.40. Requesting remediation.12.24.19 - Client responded. See attached PC CD, Label, Refund Check, and LOX	10.22.19 - Exception Remains.12.24.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 35%. Max DTI for this program is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 48.27%. Max LTV for this program is 80.00%.
0368390685	PRVAAPPR275	Completed "Subject To" w/o Completion Cert in File	No	Missing copy of 1004D.	10.18.19- Client responded. Appraisal completion (1004d) attached	10.18.19- Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 35%. Max DTI for this program is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 48.27%. Max LTV for this program is 80.00%.
0834531294									CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 28.19%. Max DTI for this program is 43.00%. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B1 XXX income not used to qualify. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in current profession for 20 years.
0663428205	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	Approved Lender Exception for back-end debt ratio of 43.24% exceeds maximum allowed of 43.00%. Non-QM per guidelines.	11.15.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly.	11.15.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV 68.48%; guidelines allow a maximum LTV 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 798; guidelines allow a minimum Credit Score 700.
0663428205	CMPTRID5091	TRID - Escrow Waiver Fee disclosed in Loan Disclosures, is not contained in Loan Costs, but ALTA or other document shows it was charged.	No	Escrow Waiver Fee disclosed in Loan Disclosures, is not contained in Loan Costs, but ALTA or other document shows it was charged.	11.18.19 - Client Responded. Agree. Correspondent Seller disclosed $3895 in Escrow Table page 4; there is no corresponding fee on Page 2 of Closing Disclosure. Remediation requested.11.26.19 - Client Responded. inv: Disagree:  Per Lender the escrow waiver fee impacts the interest rate and does not appear in Block A, B, or C.   See attached.	11.18.19 - Exception Remains.11.26.19 - Exception Satisfied.	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV 68.48%; guidelines allow a maximum LTV 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 798; guidelines allow a minimum Credit Score 700.
0663428205	CMPTRID5097	TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures	No	CD: XXX [Last CD], Section: Loan Disclosures, Field: Escrow Waiver Fee Amount, Value: $3895.00Section: Loan Costs, Message: Sum of Sub Sections A, B and C, Field: Escrow Waiver Fee Amount, Total Value: $0.00.  The Excrow waiver fee was not included in the Loan Costs section of the final CD dated XXX.  Requires LOX, PCCD .	11.18.19 - Client Responded. Agree. Correspondent Seller disclosed $3895 in Escrow Table page 4; there is no corresponding fee on Page 2 of Closing Disclosure. Remediation requested.11.26.19 - Client Responded. inv: Disagree:  Per Lender the escrow waiver fee impacts the interest rate and does not appear in Block A, B, or C.   See attached.	11.18.19 - Exception Remains.11.26.19 - Exception Satisfied.	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV 68.48%; guidelines allow a maximum LTV 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 798; guidelines allow a minimum Credit Score 700.
0663428205	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV 68.48%; guidelines allow a maximum LTV 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 798; guidelines allow a minimum Credit Score 700.
0663428205	CRDDTI105	Debt Ratio Exception 5% or Less	No	Approved Lender Exception for back-end debt ratio of 43.23% exceeds maximum allowed of 43.00% for loan is a non-conforming r/t refi lowering payment, Fix 30, 68.48% LTV. DTI is 43/44; Low ratio spread due to low debt. Residual income $13,110.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV 68.48%; guidelines allow a maximum LTV 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 798; guidelines allow a minimum Credit Score 700.
0091618772	CMPRESPA863	RESPA: Required Affiliate Business Disclosure missing	No	Missing affiliate business disclosure.  Provide copy of missing document.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower owned previous residence for 8 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  775 credit scores exceed guideline min score of 720
0091618772	CMPTRID5019	TRID - Closing Disclosure; Optional designation missing from optional insurance product	No	Title owners policy not listed as optional in section H, CD dated XXX.  Requires LOX and PCCD.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower owned previous residence for 8 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  775 credit scores exceed guideline min score of 720
0091618772	CMPTRID3708	TRID - Curable Issue #2 related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower owned previous residence for 8 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  775 credit scores exceed guideline min score of 720
0470510698	CMPTRID3568	TRID - Error discovered on the Loan Estimate	No	LE XXX: NMLS section : Lender NMLS License ID missing Stated entry. Corrected on CD XXX. Exception satisfied.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $237,503.20 or 26.05 months PITI CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 19.98% below guideline requirement of 43% by 23.02%
0470510698	PRVAVALU5249	Property Value Not Supported	No	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.	12.04.19- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX.	12.04.19 - Exception satisfied.	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $237,503.20 or 26.05 months PITI CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 19.98% below guideline requirement of 43% by 23.02%
0505661185									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in current job for 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 784 and minimum required is 700.
0790925236									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $229,222.81 or 70.38 months PITIA CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 33.62% below guideline requirement of 43% by 9.38%
0831742939	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period	No	Final CD dated XXX with a transaction date of XXX. Saturday is not a business day for XXX and neither is Sunday. The 3 day waiting period was not met prior to close.	10.22.19 - Client Responded. Agree: Initial CD issued XXX does not meet 6 day mail timing requirements. Evidence of 3 day receipt is required. Requesting remediation.10.28.19 - Client Responded. Disagree:  Borrower incorrectly dated three day CD XXX.   Borrower provided an attestation indicating the correct sign date as XXX.   No three day timing violation.  See attached Addendum to Closing Disclosure and Attestation.	10.22.19 - Exception Remains.10.28.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  808 credit score exceed the guidelines required 720 score CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.05% DTI below the required 45% DTI
0831742939	PRVAVALU5249	Property Value Not Supported	No	A Desk review was received with a reported value of XXX which is a variance of -21.12% less than the original appraised value of XXX. A field review has been ordered.	10.30.19- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX.	10.30.19 - Exception satisfied.	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  808 credit score exceed the guidelines required 720 score CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.05% DTI below the required 45% DTI
0581075467	CMPROR1909	Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor	No	Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.Regulation Z has language allowing the use of a substantially similar notice.Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.The Majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B-Non Material exception in those Circuits that have not decided on this issue.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $1,393,473.74; required reserves are 8341.14 x 12 = $100,093.68. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 786 and minimum required is 700.
0249769406	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 787 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has been in his position for 10+ years
0137336864									CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 14.30%. Max DTI for this program is 43.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in his profession for 30 years.
0017125999									CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.75%. Max DTI for this program is 43.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 68.79%. Max LTV for this program is 80.00%.
0717406474	CMPROR1909	Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor	No	Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 807 and required minimum is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 21.08% and maximum allowed is 43%.
0636552460	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	CD: XXX & Final CDXXX Section: Other Costs: section (F) . Property Taxes missing number of months.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in the same profession for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798 and minimum required is 700.
0442954178									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $366,120.82.  Reserves required $6734.92 x 12 = $80,819.04 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 21.09%, max allowed per G/L is 43%
0999103751	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min credit score required is  700; borrower score is 780; CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has income from XXX that was not used
0999103751	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min credit score required is  700; borrower score is 780; CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has income from XXX that was not used
0999103751	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	CD: XXX [Last CD], Section: Loan Disclosures Escrow Account - will not have an escrow account because boxes are not checked. Corrected on PC-CD dated XXX. Exception satisfied.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min credit score required is  700; borrower score is 780; CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has income from XXX that was not used
0999103751	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	CD: XXX [Last CD], Section: Projected Payments Estimated Taxes, Insurance & Assessment section is missing is escrow boxes. Corrected on PC-CD dated XXX. Exception satisfied.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min credit score required is  700; borrower score is 780; CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has income from XXX that was not used
0090892025	CMPROR1909	Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor	No	Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 806 and minimum required is 700. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0090892025	CMPROR117	ROR - Expiration date on form prior to end of rescission period	No	ROR expiration date of XXX is prior to end of earliest rescission date allowable of XXX	12.2.19 - Client responded. Disagree. The rescission period begins on the later of the date the rescission notice is provided, the material disclosures (CD) are provided, or the consummation date. The consummation date is the Note date of XXX and the Right to Cancel and CD were signed on XXX. The rescission period began on XXX making the expiration date of XXX acceptable.	12.2.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 806 and minimum required is 700. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0090892025	CMPROR2330	ROR - Disbursement date is before end of statutory rescission period	No	ROR Expiration date of XXX; disbursement date per file XXX.	12.2.19 - Client responded. Disagree. The rescission period begins on the later of the date the rescission notice is provided, the material disclosures (CD) are provided, or the consummation date. The consummation date is the Note date of XXX and the Right to Cancel and CD were signed on XXX. The rescission period began on XXX making the expiration date of XXX  and disbursement date of XXX acceptable.	12.2.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 806 and minimum required is 700. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0480694729	CMPROR1909	Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor	No	Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 807; guidelines allow a minimum Credit Score 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI 27.88%; guidelines allow a maximum DTI 43.00%.
0054379439	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	You declined it and/or Your lender does not offer one is not selected on the CD XXX.  Requires LOX and PCCD.	10.21.19 - Client Responded. Agree. Requesting remediation.12.6.19 - Client Responded. 12/4/2019: see attached PC CD and LOX with page 4 completed	10.21.19 - Exception Remains.12.6.19 - Exception Satisfied.	Non-Numeric	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower 2 is over 18 years with same employer CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is  30.23%; Max DTI is  43%
0650760614	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	Final CD XXX Transaction Information section, Seller is missing address.  Requires LOX and PCCD.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Credit Score 785; guidelines allow a minimum Credit Score 740. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI 16.95%; guidelines allow a maximum DTI 43.00%.
0558552479	CMPROR4419	H-8 used in refinance with the same creditor; State is in a Circuit where Court has found this acceptable (exception/grading required by client)	No	Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 22.29% below guideline requirement of 43% by 20.71% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $72,872.54 or 12.51 months PITI
0558552479	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	Final CD XXX, Loan Costs Section B, line 4 is missing payee for tax service. Provide LOX and PCCD.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 22.29% below guideline requirement of 43% by 20.71% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $72,872.54 or 12.51 months PITI
0615216745									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  787 credit score exceeds the guidelines required 720 score by 67 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  73 months verified reserves exceeds the 12 months required by guidelines
0969540472	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min Fico 680 / Fico 793 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 47.62% / MAX LTV 80%
0435920438	CMPROR1909	Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor	No	Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 61.42%. Max LTV is 80.00%. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B1 Schedule C income not used to qualify.
0232235806	CMPTRID4319	TRID - CD: The Total Interest Percentage on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Interest Percentage	No	CD: XXX [Last CD], Section: Loan Calculation, Field: TIP, CD Value: 61.66000%, Review Value: 61.6656%. Difference of .056% Exceeds .003 % tolerance.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrowers LTV 44.34%; guidelines allow a maximum LTV 70.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Credit Score 804; guidelines allow a minimum Credit Score 720.
0817191353									CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 22 years.Co-Borrower has been in the same profession for 20 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 22.44%; guideline maximum is 43%.
0559177597									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $341,765.95 or 53.75 months PITIA CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower employed at current job 10 years 6 months
0289510648	CMPTRID4299	TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE	No	LE: XXX-1 [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: -13340CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: -21773.00The file contains an initial LE, there is not a re-disclosed LE in file to support changes in loan amount. Fees values differ between LE and Cd's in file.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.22%. Max DTI for this program is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 24 months cash reserves. 6 months required for this program.
0289510648	CMPTRID4309	TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE	No	LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: 69CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: 14263.00The file contains an initial LE, there is not a re-disclosed LE in file to support changes in loan amount. Fees values differ between LE and Cd's in file.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.22%. Max DTI for this program is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 24 months cash reserves. 6 months required for this program.
0289510648	CMPTRID4312	TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE	No	LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Total Payoffs and Payments, Value: -1200729CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Total Payoffs and Payments (K) - Loan Estimate, Value: -1206490.00The file contains an initial LE, there is not a re-disclosed LE in file to support changes in loan amount. Fees values differ between LE and Cd's in file.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.22%. Max DTI for this program is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 24 months cash reserves. 6 months required for this program.
0289510648	CMPTRID3670	TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation	No	CD's in file, Zero tolerance fee increased at closing without a valid reason. Section A, added Loan amount points at 0.5% with the fees totaling $6117.50.  The file does not include a COC. Need LOX, corrected CD, refund and proof of delivery.	12.17.19 - Client responded. Disagree:  see attached changed circumstance documentation.  CD issued on XXX consistent with CoC.  No refund required.	12.17.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.22%. Max DTI for this program is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 24 months cash reserves. 6 months required for this program.
0289510648	CRDTER3262	Property issues indicated	No	Subject was purchased XXX for XXX. Lender value used for LTV XXX based on origination purchase price plus improvements made post purchase.  Per guidelines, properties with home improvements completed, use original documented purchase price plus documented home improvements.  Missing documented home improvements.	12.12.19 - Client responded. See attached invoices for the pool.  UW added these invoices totaling $285,704 to the to the original purchase price of XXX for a value of XXX	12.12.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.22%. Max DTI for this program is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 24 months cash reserves. 6 months required for this program.
0450726039									CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV 51.71%; guidelines allow a maximum LTV 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 732; guidelines allow a minimum Credit Score 700.
0258714939	CMPROR1911	Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor	No	H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form.	1.21.20 - Client responded. Disagree: 1026.23(b)(2) Proper form of notice. To satisfy the disclosure requirements of paragraph (b)(1) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice. Model Form H-9 includes all of the information required by TILA and Regulation Z to advise borrowers of the right to rescind a consumer credit transaction.  Model Form H-8 and Model Form H-9 are substantially similar.	1.21.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  The borrower has good credit with a qualifying fico score of 788. CFCFS2854: Significant time in profession - Clayton Comments:  The Borrower has 23 years in profession.
0258714939	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	FEMA disaster for XXX with an effective date of XXX and declaration date of XXX. Missing PDI.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  The borrower has good credit with a qualifying fico score of 788. CFCFS2854: Significant time in profession - Clayton Comments:  The Borrower has 23 years in profession.
0250548693									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $184,117.31 or 30.64 months PITIA CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 31.24% below guideline requirement of 43 % by 11.76%
0171061835	CMPDOC191	Missing Mortgage	No	Missing mortgage. Copy provided on page 185 is from the subject's previous transaction dated XXX. Note date is XXX.	10.29.19 - Client Responded. See attached mortgage and rider for the subject property for current transaction.	10.29.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 64.61%, max allowed per G/L is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $142,016.48 in total assets documented.  Effective amount is $142,016.48, with liquid assets of $142,016.48.  Post close reserves are $114,836.86.  Reserves required $6086.77 x 12 = $73,041.24
0729022797									CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 39.58%; guideline maximum is 43%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 6 years.
0337422317	CRDTER3122	Loan documents do not meet guideline requirements	No	Approved lender exception for private transfer fee.  Subject property is apart of a PUD that has private transfer tax for a non-profit housing organization.  Fee is 0.05% of sales price.  This would be $375 based on current appraised value.  Compensating factors include:  Stable employment, decrease in housing payment from old rent/mortgage to new mortgage, low ratios 30/34, 14+ months PCL.  Clayton considers as non-material based upon compensating factors.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 33.02%. Max DTI for this program is 43.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer for 13 years.
0051094872									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $95,007.26.  Per program guidelines, 12mo PITI/PL  required or $52,521.60. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit Score is 792; Minimum for Program is 700.
0845100918	CMPTRID4240	TRID - CD: The CD Calculating Cash to Close LE column (Alternative Version) total does not equal its component parts	No	Exception satisfied. Final CD XXX calculating cash to close LE column does not match value from LE in file. PCCD XXX corrects issue.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 789 and required minimum is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 23.23% and maximum allowed is 43%.
0845100918	CMPTRID4312	TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE	No	Exception satisfied. Final CD XXX, total payoff and payments in calculating cash to close LE column does not match value from LE in file. PCCD XXX corrects issue.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 789 and required minimum is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 23.23% and maximum allowed is 43%.
0342155449	CMPROR1909	Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor	No	Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $89,915.31.  Reserves required $3180.80 x 12 = $38,169.60 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 29.19%, max allowed per G/L is 43%
0342155449	CRDTER3262	Property issues indicated	No	Lender approved exception to use the appraised value with <12 months seasoning on title. Clayton considers non-material based on compensating factors of 29.19% DTI, 28.27 months reserves VS 12, and bonus income not used to qualify.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $89,915.31.  Reserves required $3180.80 x 12 = $38,169.60 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 29.19%, max allowed per G/L is 43%
0063192927	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	DTI of 44.88% exceeds the maximum allowed for QM XXX status of 43%.  Total income $26,847.33.  Subject PITI $10,998.76 + other debts $1,050.00 total $12,048.76 for DTI 44.88%.Approved Lender Exception for high front and back end ratio at 40.96/44.87 % and over max limit of 43%. Offsets Low LTV/CLTV 68.803%, using original sale price vs. Appraised value $30,00 increase	10.23.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly.10.23.19 - Clayton has reviewed and status now Non QM	10.23.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  807 credit score exceeds the guidelines required 720 by points CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 12 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  68.803% LTV below the guidelines required 80% LTV
0063192927	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Lender requested re-status to Non-QM.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  807 credit score exceeds the guidelines required 720 by points CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 12 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  68.803% LTV below the guidelines required 80% LTV
0390562360	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	Satisfied: The seller CD disclosed seller paid fees in Loan Costs Section C and Other Costs Section  E and 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.The final CD XXX, Section C, E and H, is missing Seller paid fees that were listed on the Seller's CD in file.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $362,873.55 or 102.08 months PITI CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 employed at current job 28 years 2 months
0390562360	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $362,873.55 or 102.08 months PITI CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 employed at current job 28 years 2 months
0390562360	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period	No	The loan is missing the complete initial Cd XXX. Final CD XXX and PCCD XXX are in file.	12.2.19 - Client responded. Sent to NLR for remediation.  Missing page 2-5 of CD issued XXX.12.6.19 - Client Responded. XXX See attached eConsent and Initial CD	12.2.19 - Exception remains. 12.6.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $362,873.55 or 102.08 months PITI CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 employed at current job 28 years 2 months
0390562360	CMPTRID4579	TRID - CD: Missing Initial CD	No	The initial CD XXX, page 1 is in file, pages 2-5 are missing from the loan file.	12.2.19 - Client responded. Sent to NLR for remediation.  Missing page 2-5 of CD issued XXX.12.6.19 - Client Responded. XXX See attached eConsent and Initial CD	12.2.19 - Exception remains. 12.6.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $362,873.55 or 102.08 months PITI CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 employed at current job 28 years 2 months
0390562360	CMPTRID5111	TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered	No	The LE XXX was e-signed, however; the file does not contain an e-consent disclosure.	12.2.19 - Client responded. Agree:  No evidence of e-Consent in file.  Sent to NLR for remediation.12.6.19 - Client Responded. XXX See attached eConsent and Initial CD	12.2.19 - Exception remains. 12.6.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $362,873.55 or 102.08 months PITI CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 employed at current job 28 years 2 months
0240659592	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file	No	List of homeowners counseling organizations not in file	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $206,867.28.  Reserves required $6159.42 x 18 = $110,869.56 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 8 years
0240659592	CMPTRID3476	TRID - Written List of Providers not provided or untimely	No	Written List of Providers not provided	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $206,867.28.  Reserves required $6159.42 x 18 = $110,869.56 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 8 years
0240659592	CMPTRID4214	TRID - Loan Estimate: An LE is missing at least one required data point	No	NMLS information is missing from the LE XXX. Corrected on CD XXX. Exception satisfied.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $206,867.28.  Reserves required $6159.42 x 18 = $110,869.56 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 8 years
0514673504									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 773 and minimum required is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $346,248.78; required reserves are $7830.14 x 12 = $93,961.68.
0226574930									CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 25.49%, max allowed per G/L is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 62.92%, max allowed per G/L is 80%
0209095290									CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 40.27%; Maximum LTV per guidelines is 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative score is 785.  Minimum score required is 680.
0403566133	CMPTRID4374	TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number	No	LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Value: XXX. Corrected on Initial and Final CD and disclosed as a positive value. Exception Satisfied.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 21 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $296,752.28.  Reserves required $5545.16 x 12 = $66,541.92
0403566133	CMPTRID3604	TRID - Error discovered on Closing Disclosure	No	Missing legible final CD with Disbursement date of  XXX. Final CD provided appears to have correct Disbursement Date of XXX but cannot verify and cannot be entered. Please provide Legible copy of Final CD.	10.28.19 - Client Responded. Disagree:  Disbursement date of XXX verified by number of days of per diem.   Per diem days are consistent with XXX disbursement date.   Disbursement date in Closing Information Section and per diem date in Block F are sufficiently legible for testing. NOTE: enlarging the copy makes the date easier to discern as well.10.28.19 - Client provided more Legible Copy of Final CD than the one in file.	10.28.19 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 21 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $296,752.28.  Reserves required $5545.16 x 12 = $66,541.92
0466520950	CMPTRID4319	TRID - CD: The Total Interest Percentage on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Interest Percentage	No	CD: XXX [Last CD], Section: Loan Calculation,0Field: TIP, CD Value: XXX, eCLAS Value: XXX	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV 80.00%; guidelines allow a maximum LTV 85.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 793; guidelines allow a minimum Credit Score 740.
0164581982	CMPROR1909	Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor	No	Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 28.43% below guideline requirement of 43% by 14.57% CFCFS2854: Significant time in profession - Clayton Comments:  B2 in same profession 13 years
0245862531	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	Initial CD XXX and XXX - 1 Loan Costs Section B Notary Fee shows 'TBD' as Payee.  This condition was cured on the PCCD dated XXX- 2.  Exception Satisfied.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the same employed for 20.5 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 36.10%; guideline maximum is 43%.
0245862531	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	CD dated XXX - 1 neither of You declined it and/or Your lender does not offer one are selected. Requires LOX, PCCD.	11.11.19 - Client Responded. Disagree:  PC CD in file dated XXX with escrow selection completed.	11.11.19 - Exception Satisfied.	Non-Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the same employed for 20.5 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 36.10%; guideline maximum is 43%.
0329094540									CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70 below guideline requirement maximum of 80. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years. 0 x 30 including rentals.
0115444143	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	Approved Lender exception for DTI exception, fixed rate loan at 46.07%. Loan is a rate term refinance to lower the rate from 4% to 3.625%, the LTV is low at 64%, demonstrated ability to manage similar payment, conservative use of consumer/revolving, the borrower has a documented ability to save with 29 months in reserves, the residual income is high at $14,019 showing an ability to repay.	1.24.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly	1.24.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV 64.09%; guidelines allow a maximum LTV 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 804; guidelines allow a minimum Credit Score 700.
0115444143	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Client -  Re-status loan as Non-QM and re-grade accordingly	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV 64.09%; guidelines allow a maximum LTV 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 804; guidelines allow a minimum Credit Score 700.
0115444143	CRDDTI105	Debt Ratio Exception 5% or Less	No	Approved Lender exception for DTI exception, fixed rate loan at 46.07%. Loan is a rate term refinance to lower the rate from 4% to 3.625%, the LTV is low at 64%, demonstrated ability to manage similar payment, conservative use of consumer/revolving, the borrower has a documented ability to save with 29 months in reserves, the residual income is high at $14,019 showing an ability to repay. Clayton deems non-material based on compensating factors of 804 qualifying score. Min required per guidelines is 700, the borrower has been XXX for 16 years, and the borrower has been in current profession for 16 years.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV 64.09%; guidelines allow a maximum LTV 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 804; guidelines allow a minimum Credit Score 700.
0078936277	CMPBI1628	RI Borrower Interest; NTB Disclosure not signed by all parties	No	Missing borrower(s) signature on disclosure.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  16 years occupancy at subject property CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $981,495.43- Require $62,227.92
0464946580	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 812. Minimum credit score for this program is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 189 months reserves. 18 months required for this program.
0464946580	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 812. Minimum credit score for this program is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 189 months reserves. 18 months required for this program.
0787874378									CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 24.14%, which is 18.86% less than the max of 43.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 27 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post closing reserves of $367,064.10, or 56 months subject PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The median credit score is 798.
0749872960	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	Satisfied: The seller CD disclosed seller paid fees in Loan Costs Section C 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)	Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  38.47 % DTI below guideline max of 43% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have on prior residence for 8 years
0800793629	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years being a XXX business XXX CFCFS2860: Good credit history - Clayton Comments:  Borrower has 3 other paid as agreed mortgage and 2 other current mortgages and has not ever missed a payment
0244418964									CFCFS2854: Significant time in profession - Clayton Comments:  Co-Borrower has significant time in Profession with 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores exceed guidelines at 721 & 770 with a minimum credit score of 680.
0537119098	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job as Self-Employed with 20 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in Profession with 29 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement at 17.01% with a max DTI of 43%.
0047212998									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Credit Score 793; guidelines allow a minimum Credit Score 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI 26.35%; guidelines allow a maximum DTI 43.00%.
0574495436	CMPRESPA863	RESPA: Required Affiliate Business Disclosure missing	No	Missing Affiliate Business Disclosure	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Credit Score 790; guidelines allow a minimum Credit Score 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $139,517.22. Reserves required PITI $6,544.73 x 12 = $78,536.76
0384786138									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $488,823.67.  Reserves required $4813.49 x 12 = $57,761.88 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 25.05% max allowed per G/L is 43%
0091508207									CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 20.08%,max allowed per G/L is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $75,054.28.  Reserves required $4005.45 x 12 = $48,065.40
0167463397	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 797 and minimum required is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 34.77% and maximum allowed is 43%.
0723630152									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 29 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has have resided at the primary residence for 25 years
0035185220	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing complete copy of 2018 1040's; missing Schedule E to complete rental income calculation.	1.23.20 - Client responded. See attached documentation of returns.	1.23.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 787; Minimum for program is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $135,984.25.  12mo reserves or $49,570.32 required.
0035185220	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 787; Minimum for program is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $135,984.25.  12mo reserves or $49,570.32 required.
0035185220	CRDINC3204	Income Documentation Missing	No	Missing complete copy of 2018 1040's; missing Schedule E to complete rental income calculation.	1.23.20 - Client responded. See attached documentation of returns.	1.23.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 787; Minimum for program is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $135,984.25.  12mo reserves or $49,570.32 required.
0880824314	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing lease for XXX property; required per ATR/QM when using rental income to qualify	12.17.19 - Client responded. Rental income (loss) is reported on borrowers last 2 years tax returns for these properties and the borrowers were qualified with that small rental loss. No leases are required since the 2 years tax returns were provided.12.17.19 - Clayton has reviewed and although not a credit exception per the lender guides QM requires the Leases as well. 12.18.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly	12.17.19 - Exception remains. 12.18.119 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrowers have been with the same employer for over 30 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 34.50%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $219,750.62.  Reserves required $5441.21 x 12 = $65,294.52
0880824314	CMPTRID4463	TRID - Assumption selection on the CD does not match the clause in the mortgage.	No	The final CD, XXX, disclosures section allows assumability. The Note is fixed and not assumable.	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrowers have been with the same employer for over 30 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 34.50%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $219,750.62.  Reserves required $5441.21 x 12 = $65,294.52
0880824314	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrowers have been with the same employer for over 30 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 34.50%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $219,750.62.  Reserves required $5441.21 x 12 = $65,294.52
0880824314	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	$220.00 zero tolerance due to increase in appraisal fee on LE XXX without a sufficient CoC. CoC states "appraisal fee was increased to $770.00 by the XXX". Please provide details to support reason for increase that was unknown at time of initial disclosures.	12.20.19 - Client responded. Disagree:  see attached CoC for appraisal fee increase	12.20.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrowers have been with the same employer for over 30 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 34.50%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $219,750.62.  Reserves required $5441.21 x 12 = $65,294.52
0880824314	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client: Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrowers have been with the same employer for over 30 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 34.50%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $219,750.62.  Reserves required $5441.21 x 12 = $65,294.52
0880824314	CRDAST205	Insufficient Funds to Close	No	Approved lender exception for proof of liquidated assets in the amount of $87,688.34 required to close. Clayton deems exception non-material based on compensating of 40.08 months of reserves vs 12 months required, 30+ years with the same employer, and LTV of 66.67% vs 80% max	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrowers have been with the same employer for over 30 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 34.50%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $219,750.62.  Reserves required $5441.21 x 12 = $65,294.52
0880824314	CRDINC3204	Income Documentation Missing	No	Missing lease for XXX property; required per ATR/QM when using rental income to qualify	12.17.19 - Client responded. Rental income (loss) is reported on borrowers last 2 years tax returns for these properties and the borrowers were qualified with that small rental loss. No leases are required since the 2 years tax returns were provided.12.17.19 - Clayton has reviewed and lease not required per lender guides therefore this is not a credit exception.	12.17.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrowers have been with the same employer for over 30 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 34.50%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $219,750.62.  Reserves required $5441.21 x 12 = $65,294.52
0332545785	CMPDOC225	Missing Rider	No	XXX Waiver of Borrower's Rights/Closing Attorneys Affidavit is missing from the file. Provide copy of missing document.	01.3.20 - Client responded. Attached is XXX Waiver of Borrower's Rights/Closing Attorneys Affidavit.	01.3.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  15.31% DTI below guideline max 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  verified cash reserves of 36 months exceeds requirements of 12 months
0332545785	CMPRESPA2700	RESPA - List of homeowners counseling organizations not provided w/in 3 days of application	No	List of homeowners counseling organizations issued XXX, more than 3 days after application date of XXX.	01.3.20 - Client responded. Disagree:  excluding non-business days for lender (Saturday and Sunday), XXX meets 3 day timing for Loan Estimate	01.3.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  15.31% DTI below guideline max 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  verified cash reserves of 36 months exceeds requirements of 12 months
0332545785	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  15.31% DTI below guideline max 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  verified cash reserves of 36 months exceeds requirements of 12 months
0332545785	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  15.31% DTI below guideline max 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  verified cash reserves of 36 months exceeds requirements of 12 months
0332545785	CMPTRID3476	TRID - Written List of Providers not provided or untimely	No	Written list of providers issued XXX, more than 3 days after application date of XXX.	01.3.20 - Client responded. Disagree:  excluding non-business days for lender (Saturday and Sunday), XXX meets 3 day timing for Loan Estimate	01.3.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  15.31% DTI below guideline max 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  verified cash reserves of 36 months exceeds requirements of 12 months
0332545785	CMPTRID3552	TRID - Loan Estimate not timely	No	Initial LE issued XXX, more than 3 days after application date of XXX.	01.3.20 - Client responded. Disagree:  excluding non-business days for lender (Saturday and Sunday), XXX meets 3 day timing for Loan Estimate	01.3.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  15.31% DTI below guideline max 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  verified cash reserves of 36 months exceeds requirements of 12 months
0707724360									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $2,309,864.05.  Reserves required $6110.06 x 12 = $73,320.72 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 33 years
0231397221	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years 9  month at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score of 766 exceeds guidelines. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 11 years 1 month at the current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in their profession.
0231397221	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years 9  month at the current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score of 766 exceeds guidelines. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 11 years 1 month at the current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in their profession.
0513837122									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 785; Minimum for program is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $77,704.73.  Per program guidelines, 12mo PITI/PL  required or $60,090.96.
0516400659	CMPTRID5107	TRID - Seller CD not in file; need in order to complete fee entry	No	Seller CD is missing in the file.	1.31.20 - Client responded. See attached combined closing disclosure.  Per Lender a separate seller CD was not done.	1.31.20 - Exception Satisfied.	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  792 qualifying score. Min required per guidelines is 700. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years of significant time in profession
0583613742									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 27.36%; guideline max is 43.00%.
0744968800									CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  The Borrower has additional income that was not used for qualifying. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have good credit with a qualifying fico score of 786.
0739184622	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 655; Maximum LTV per guidelines is 80%
0147781271	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	Satisfied: The seller CD disclosed seller paid fees in Other Costs Section C, E & 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)	Numeric	Not Applicable	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 is 28.54%; guideline max 43.00%.
0874861426	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	CD dated XXX-2 Loan Disclosures section, the reason for not having an escrow account field does not have an option selected.	2.7.20 - Client responded. Agree: The closing disclosure dated XXX is missing a checked box for either """"you declined it"""" or """"your lender does not offer one"""" in the Loan Disclosure section. Remediation requested2.11.20 - Client responded. XXX:  see attached PC CD with updated escrow table page 4	2.7.20 - Exception remains. 2.11.20 - Exception satisfied.	Non-Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession: 41yrs CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 41yrs
0874861426	PRVAVALU5249	Property Value Not Supported	No	A Desk review was received with a reported value of $XXX. which is a variance of -14.3% less than the original appraised value of $XXX. A field review has been ordered.	2.10.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.	2.10.20 - Exception satisfied.	Not Applicable	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession: 41yrs CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 41yrs
0758125974									CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have significant time in their professions, both over 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 808 and minimum required is 700.
0355973759									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  780 credit score exceeds guideline requirements of 740 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same work profession for 19 years
0277997495									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 773  exceeds guidelines by 53pts CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.46 below guideline requirement 43% by 10.54 pts
0558392377	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.66 % DTI below guideline max of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  804 credit score exceeds guideline requirement of 740 by 64 points
0618494993									CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.33%. Max DTI for this program is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 20 months cash reserves. 6 months required for this program.
0857508060	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	The calculating cash to close, Adjustments and other credits is missing the label for Did this change question. Need LOX and PCCD.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  25.27% DTI below guideline max of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  71 months cash reserves exceeds guideline requirement of 12 months
0153317789	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing YTD 2019 Profit & Loss Statement XXX business showing on Schedule C of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.	1.30.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly	1.30.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit score  816 exceeds guidelines 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 19.08  below guideline requirement 43% by 23.92 pts
0153317789	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit score  816 exceeds guidelines 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 19.08  below guideline requirement 43% by 23.92 pts
0153317789	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period	No	Missing acknowledgment of CD 3 days prior to consummation (missing Initial CD)	2.4.20 - Client responded. Disagree:  CD issued XXX and per TRID requirements, presumed delivery is XXX.  Earliest closing date is XXX.  Loan consummation on XXX  CD signed on XXX and Deed of Trust notarized on XXX.  No timing violation.	2.4.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit score  816 exceeds guidelines 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 19.08  below guideline requirement 43% by 23.92 pts
0153317789	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client - Re-status loan as Non-QM and re-grade accordingly	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit score  816 exceeds guidelines 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 19.08  below guideline requirement 43% by 23.92 pts
0421376891	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower 2 has been on current job for more than 5 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history of 35 months reported is 23 months more than the requirement of 12 months and no late payments reported.
0140539176	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  both borrowers with same company for the last 8 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  borrowers have 10 yeas with never a mortgage late
0389716084	CRDAST2670	Asset documentation is insufficient per guideline requirements	No	Lender approved exception for proof of liquidation of stocks, bonds, mutual funds , etc. Clayton deems non-material based on compensating factors of  788 qualifying score. Min required per guidelines is 720, DTI is 13.87%, max per guidelines is 43% and the borrower has been employed for 8 years.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI 13.83%; guidelines allow a maximum DTI 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 788; guidelines allow a minimum Credit Score 740.
0389716084	CRDCRMH149	Missing support docs for VOM/VOR (e.g. cancelled checks)	No	Lender approved exception for lack of 12 months rental history. Clayton deems non-material based on compensating factors of  788 qualifying score. Min required per guidelines is 720, DTI is 13.87%, max per guidelines is 43% and the borrower has been employed for 8 years.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI 13.83%; guidelines allow a maximum DTI 45.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 788; guidelines allow a minimum Credit Score 740.
0498812963	CMPFINT106	Finance charge understated by more than $100 (Pmt Stream)	No	The finance charge is under disclosed by $294.87. Final CD dated XXX disclosed finance charge as $506,968.23, review calculated finance charge to be $507,263.10. The following fees were applied towards APR: Underwriting $595.00, Processing $595.00, Settlement Closing Fee $1365.05, Tax Service Fee $74.00, Courier Charges $49.50, Flood Cert $8.50, Prepaid Interest $1754.21, Discount $2610.00.  Requires corrected PCCD, copy of refund check, reopen of rescission,  LOX and verification of shipping.	12.17.19 - Client responded. Disagree.  Consummation CD has issue date XXX and is signed on XXX.  Security Instrument is notarized on XXX.   Consummation CD signed on XXX has accurate Finance Charge and Amount Financed.  No refund required.   Appears Investor based calculation on preliminary CD with issue date XXX and eSigned on XXX.	12.17.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The median credit score is 818. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with their current employer since 2000, 19 years.
0498812963	CMPFINT4372	TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed	No	TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed. Difference of  $1462.61 found.	12.17.19 - Client responded. Disagree. Consummation CD has issue date XXX and is signed on XXX. Security Instrument is notarized on XXX. Consummation CD signed on XXX has accurate Finance Charge and Amount Financed. No refund required. Appears Investor based calculation on preliminary CD with issue date XXX and eSigned on XXX.	12.17.19 - Exception satisfied.	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The median credit score is 818. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with their current employer since 2000, 19 years.
0498812963	CMPTRID4352	TRID - CD: At least one section contains formatting that does not comply with the Regulation	No	CD dated XXX, adjustments for items paid by seller in advance, lists HOA dues but is missing the to and from dates.  Requires LOX and PCCD.	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The median credit score is 818. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with their current employer since 2000, 19 years.
0116856370	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	Transfer Taxes increased by $137.47. No documentation/COC in file to validate the increase in fees. Requires LOX, PCCD, Refund and Proof of Shipping.	1.31.20 - Client responded. Disagree. Transfer taxes decreased from $13,948 on the initial LE to $13,847.50 on the consummation CD. No refund required.	1.31.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 70mo. of 0x30 mortgage payment history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  808 qual score.
0571066766									CFCFS1744: DTI below guideline requirement - Clayton Comments:  The DTI of 28.63% is well below the GL maximum allowable of 43%. CFCFS2860: Good credit history - Clayton Comments:  Borrower have excellent credit.
0211948619	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing current P&L and Balance sheet for B1 Schedule C business	1.10.20 - Client responded.  P&L and Balance sheet were waived at the discretion of the underwriter1.10.20 - Clayton has reviewed and although the lender guides allow to be waived this is a QM requirement. 1.13.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly	1.10.20 - Exception remains. 1.13.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 762; Minimum for program is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $146,498.21.  12mo reserves or $101,387.64 required.
0211948619	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Client Re-status loan as Non-QM and re-grade accordingly	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  PWE credit score is 762; Minimum for program is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $146,498.21.  12mo reserves or $101,387.64 required.
0147394809									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $330,399.61. Reserves required $2777.64 x 12 = $33,331.68 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.36%; Maximum for program is 43%
0606642899	PRVAAPPR275	Completed "Subject To" w/o Completion Cert in File	No	Completed "Subject To" w/o completion cert in File.	2.14.20 - Client responded. See attached 1004D.	2.14.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job as XXX for 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores exceed guidelines at 798 & 782 with the minimum credit score of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement at 13.88% with the max DTI of 43%.
0548724404	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing P&L and Balance Sheet for borrower Schedule C business	1.24.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly.	1.24.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit with a qualifying score of 800. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 9 years of service in current position. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has additional documented dividend income not used to qualify.
0548724404	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit with a qualifying score of 800. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 9 years of service in current position. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has additional documented dividend income not used to qualify.
0548724404	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Client - Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit with a qualifying score of 800. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 9 years of service in current position. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has additional documented dividend income not used to qualify.
0548724404	CRDCRMH149	Missing support docs for VOM/VOR (e.g. cancelled checks)	No	Missing verification of rent free letter.	1.24.20 - Client responded. "Per underwriting notes:  BORROWER CURRENTLY LIVES AT XXX-THIS IS AN XXX WHERE B1 OWNS THE XXX THAT XXX AND ALSO OWNS THE XXX THAT ARE XXX ON IT-INCLUDED TAXES, INS AND HOA DUES IN THE DEBT RATIO FOR QUALIFYING"	1.24.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit with a qualifying score of 800. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 9 years of service in current position. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has additional documented dividend income not used to qualify.
0619275126	CMPSTCP2057	Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file	No	Missing No Cert of Compliance or Cert of Exemption.	1.30.20 - Client responded. Disagree.  The xxx Ani-Predatory Lending Database Program Certificate of Compliance is in the file.  This document is imaged under State And Local Regulatory Compliance.  See attached.	1.30.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 28.58%. Max DTI for this program is 43.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 66%. Max LTV for this program is 80%.
0954104756									CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 72% is 8 points below the maximum required LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 728 is 48 points above the minimum required score of 680.
0403291873	CMPTRID4579	TRID - CD: Missing Initial CD	No	According to Disclosure Tracking a CD was sent on XXX and received same day. This Initial CD is not in file. File includes Addendum to closing Disclosure e-signed XXX as well.	2.6.20 - Client responded. See attached initial CD dated XXX	2.6.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 52.72% is below the maximum of 80% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 13 years.
0745414532									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 781 which exceeds guideline minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  24.13% DTI is below max guideline of 43%.
0695026985	CMPTRID3670	TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation	No	Zero percent tolerance fee of $275.00 for Inspection Fee. Missing COC or post close CD and evidence of refund to borrower	01.3.20 - Client responded. Agree:  PC CD issued XXX with re-inspection fee of $160.  Zero percent tolerance fee of $160.   Remediation requested.1.7.20 - Client responded. 1/7/2020:  See attached CoC documentation for inspection fee.   No refund required.	01.3.20 - Exception remains. 1.7.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 783 exceeds guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI OF 18.22 is below the maximun of 43%
0756089081	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	$50 zero tolerance due to increase in Survey Fee from $350 to $400 on CD dated XXX without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping.	12.20.19 - Client responded. Disagree. The Survey Fee was initially disclosed in section C of the LE and moved to section B of the CD which allows for a 10% tolerance. XXX calculated 10% fees include Survey $350 and Recording $250.  The increase from $350 to $400 remains within the 10% tolerance so no refund would be due to the borrower for this change.	12.20.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 28.32%, which is 14.68% less than the guideline max of 43.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with their current employer since 2000, 19 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with their current employer since 2010, nine years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post closing reserves of $117,978.19, or 39 months subject PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower having credit score of 789 which is well over the guideline min score.
0756089081	CRDAST2670	Asset documentation is insufficient per guideline requirements	No	Approved Lender Exception for use of business funds for closing assets, exception was supported by low DTI, employment history, and established credit.  Clayton considers as non-material based upon the compensating factors.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 28.32%, which is 14.68% less than the guideline max of 43.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with their current employer since 2000, 19 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with their current employer since 2010, nine years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post closing reserves of $117,978.19, or 39 months subject PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower having credit score of 789 which is well over the guideline min score.
0564154473	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1) Provide the lease agreements for the properties on XXX, and XXX for the use of rental income.	12.17.19 - Client responded. Rental income (loss) is reported on borrowers last 2 years tax returns for these properties and the borrowers were qualified with that small rental loss. No leases are required since the 2 years tax returns were provided.12.17.19 - Clayton has reviewed and although not required per the lender guides leases are required per QM. 12.18.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly.	12.17.19 - Exception remains. 12.18.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 34.06%, 8.94% less than the guideline maximum of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post closing reserves of $1,525,824.31, or 218 months subject PITIA. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have been in their current profession for 10 years.
0564154473	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Client - Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 34.06%, 8.94% less than the guideline maximum of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post closing reserves of $1,525,824.31, or 218 months subject PITIA. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have been in their current profession for 10 years.
0483475198	CMPFINT106	Finance charge understated by more than $100 (Pmt Stream)	No	The finance charge is under disclosed by $300.00. Final CD dated XXX disclosed finance charge as $677,396.06, review calculated finance charge to be $677,696.06. The following fees were applied towards APR: Administrative $1195.00, Settlement Closing Fee $975.00, Service Fee $340.00, Service Charge $500.00, Recording Service Fee $100.00, Prepaid Interest $2671.23, Discount $4700.00.  Requires corrected PCCD, copy of refund check, reopen of rescission,  LOX and verification of shipping.	1.21.20 - Client responded. Remediation requested for refund, LOX1.24.20 - Client responded. 1/24/2020:  disagree.  CA is escrow state and PC CD issued on XXX.  No APR/Finance Charges identified.  See attached PC CD issued XXX.	1.21.20 - Exception remains. 1.24.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 27.42%. Max DTI for this program is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 66.67%. Max LTV for this program is 80.00%.
0525474897									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 804 exceeds guidelines of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 68 below guideline requirements 80% BY 12PTS
0580536555									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 778 exceeds guidelines 700 by 78 points CFCFS1737: LTV below guideline requirements - Clayton Comments:  60.5 cltv on subject property 18.5 points below maximum 80%
0685487404									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 $950,637.26.  Reserves required $5042.84 x 12 = $60,514.08
0259417368	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV below guideline max of 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  39.19 % below guideline requirement of 43%
0411974818									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $326,128.98.  Reserves required $5660.96 x 12 = $67,931.52 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 18 years
0457479020	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	Seller fees listed on Seller CD in section C and E but not Borrower 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)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  22.51% DTI below guideline requirements of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments:  55.36% LTV below guideline max of 80%
0241121602									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 employed at current job 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 794 exceed guidelines 700 by 94 points.
0483735375	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $368,841.49 or 79.45 months PITIA CFCFS2854: Significant time in profession - Clayton Comments:  B1 employed in same profession 25 years.
0483735375	CRDLGL2550	Missing HUD-1 from sale of property	No	Provide the final HUD 1/ Final CD from the sale of XXX	3.19.20 - Client responded. In the delivered PDF on pages 981-982 you will find the Underwriting Worksheet. The Underwriter knew that the prior residence would not be sold by the time the new loan closed so they included the prior residence in the DTI. The borrower had sufficient Assets and Income so the Final CD for the departure residence is not required. 3.20.20 - Client responded. Additional commentary - Revised: See attached response from Lending Officer clarifying policy was met for exclusion of departure PITI  and UW worksheet reflecting Schedule C loss deducted from income resulting in DTI 36.62%. Attaching departure contract and buyer's approval (redacted for PII).	3.19.20 - Exception satisfied. 3.20.20 - Exception status still satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $368,841.49 or 79.45 months PITIA CFCFS2854: Significant time in profession - Clayton Comments:  B1 employed in same profession 25 years.
0296356249	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	CD dated XXX(1) Loan Disclosures section, the reason for not having an escrow account field does not have an option selected.  Requires LOX and PCCD.	1.27.20 - Client responded. Disagree - see attached PC CD and LOX	1.27.20 - Exception satisfied.	Non-Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $83,252.09.  Reserves required $4464.66 x 12 = $53,575.92 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Employed for 12 yrs 6 months with same company
0638012082									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current Employer for 10.10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 22.71%; guideline maximum is 43%.
0678678413									CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 22 years with the same company. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 811 and minimum required is 720.
0543810165	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing YTD 2019 Profit & Loss Statement and Balance Sheet for XXX business showing on Schedule E of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.	2.5.20 - Client responded. See attached balance sheet and P&L	2.5.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 794 is 114 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 14 years experience in profession.
0543810165	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 794 is 114 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 14 years experience in profession.
0542874819									CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 15.05%. Max DTI for this program is 43.00%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower with current employer for 11 years.
0156781550									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 753 is 73 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 30 years experience in profession.
0246391501	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing YTD 2019 Profit & Loss Statement  and  Balance Sheet for XXX business showing on Schedule C of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.	1.23.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly.	1.23.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 49 months reserves. 12 months required for this program. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34%. Max DTI for this program is 43%.
0246391501	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client - Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 49 months reserves. 12 months required for this program. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34%. Max DTI for this program is 43%.
0578129438									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Credit Score 761; guidelines allow a minimum Credit Score 740. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI 33.71%; guidelines allow a maximum DTI 43.00%.
0228816176	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  74.14 % LTV below guideline max of 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  40.59 % DTI below guideline requirement of 43%
0228816176	PRVAVALU5249	Property Value Not Supported	No	A Desk review was received with a reported value of $XXX  which is a variance of -14.9593% less than the original appraised value of $XXX.  A Field  Review is recommended	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.	Not Applicable	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  74.14 % LTV below guideline max of 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  40.59 % DTI below guideline requirement of 43%
0062146444	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing Balance Sheet for B1 SCH C business as required per ATR/QM G/L when XXX income to qualify	3.6.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly	3.6.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $1,661,269.02.  Reserves required $6791.90 x 12 = $81,503 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 11 years
0062146444	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $1,661,269.02.  Reserves required $6791.90 x 12 = $81,503 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 11 years
0062146444	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $1,661,269.02.  Reserves required $6791.90 x 12 = $81,503 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 11 years
0062146444	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per client - Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $1,661,269.02.  Reserves required $6791.90 x 12 = $81,503 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 11 years
0062146444	PRVAVALU5249	Property Value Not Supported	No	A Desk review was received with a reported value of $XXX which is a variance of -23.40% less than the original appraised value of $XXX. A Field review is suggested	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.	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $1,661,269.02.  Reserves required $6791.90 x 12 = $81,503 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 11 years
0140285578	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.01 % DTI below guideline max of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with employer for 9 years
0140285578	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period	No	Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. File contains one CD dated at closing.	2.25.20 - Client responded. Disagree:  See attached CD eSigned on XXX.  Meets 3 day timing for closing date XXX.	2.25.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.01 % DTI below guideline max of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with employer for 9 years
0400335687									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 796 exceeds guidelines CFCFS2860: Good credit history - Clayton Comments:  Good credit history
0935418209	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing proof that XXX with XXX #XXX has been paid and closed to future draws, authorization to close signed and dated by borrowers.	3.2.20 - Client responded. See attached final title policy	3.2.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 801 exceeds guidelines 720 by 81pts CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV  32% below guideline requirements 70%
0935418209	CRDLGL2642	Missing proof that HELOC has been paid and closed to future draws	No	Missing proof that XXX with XXX #XXX has been paid and closed to future draws, authorization to close signed and dated by borrowers.	3.2.20 - Client responded. See attached final title policy	3.2.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 801 exceeds guidelines 720 by 81pts CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV  32% below guideline requirements 70%
0788298237									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 755; Minimum for program is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $983,976.98.  Per program guidelines, 12mo PITI/PL  required or $66,245.40.
0979071454	CMPFINT106	Finance charge understated by more than $100 (Pmt Stream)	No	Finance charges are understated by $134.02, Missing list of fees included in APR and breakdown of credits when applicable.	2.20.20 - Client responded. Disagree.  Finance charge disclosed $387,227.53.  Finance charge calculated $387,227.43 is within tolerance.  Total pre-paids is $1849.15 consisting of $245.00 Application Fees, $450.00 Processing Fees, $65.00 Tax Service Fee, $500.00 Underwriting Fees, $15.98 Credit Monitoring Fee, $9.00 Flood Certification, $9.00 Title - Electronic Document, $495.00 Title - Settlement Fee and $60.17 prepaid interest.  Tester unable to replicate TPR results.	2.20.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 21 months cash reserves. 12 months required for this program. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 33.06%. Max DTI for this program is 43.00%.
0979071454	CMPFINT4372	TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed	No	CD: XXX-1 [Last CD], Section: Loan Calculations, Field: Amount Financed, Value: 575742.85Field: Amount Financed as Calculated, Value: 575608.83 difference of $134.02.	2.20.20 - Client responded. "Disagree.  Amount financed disclosed $575,742.85.  Amount financed calculated $575,742.85 is within tolerance.  Tester unable to replicate TPR results.	2.20.20 - Exception satisfied.	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 21 months cash reserves. 12 months required for this program. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 33.06%. Max DTI for this program is 43.00%.
0979071454	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period	No	Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX.	2.20.20 - Client responded. Disagree:  CD was opened and acknowledged  b borrower on XXX per audit trail.  XXX considered in  hand delivery and meets 3 day timing for consummation on XXX.  See attached audit trail.	2.20.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 21 months cash reserves. 12 months required for this program. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 33.06%. Max DTI for this program is 43.00%.
0194176130	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers median credit score is 782; minimum score is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 38.52%; guideline maximum is 43.00%.
0984676984	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 778; guidelines allow a minimum Credit Score 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI 22.80%; guidelines allow a maximum DTI 43.00%.
0984676984	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	Satisfied: The seller CD disclosed seller paid fees in Loan 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)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 778; guidelines allow a minimum Credit Score 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI 22.80%; guidelines allow a maximum DTI 43.00%.
0757541466	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 770 is 90 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 23 years experience in profession.
0757541466	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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.	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 770 is 90 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 23 years experience in profession.
0045246453	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers median credit score is 774; guideline minimum is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 6 years.
0045246453	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers median credit score is 774; guideline minimum is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 6 years.
0770245381	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing reserves $390611.58 or 103.93  months, guidelines require 12 months PITIA . CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower with current employer for 22 years.
0681612097	CMPSTCP2057	Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file	No	Missing No Cert of Compliance or Cert of Exemption.	1.30.20 - Client responded. Disagree.  The Illinois Ani-Predatory Lending Database Program Certificate of Compliance is in the file.  This document is imaged under State And Local Regulatory Compliance.  See attached.	1.30.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $329,192.71.  Reserves required $4056..12 x 12 = $48,673.44 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 29.84%, max allowed per G/L is 43%
0681612097	CRDCRMH193	Length of mortgage/rental history in file does not meet guideline requirement	No	Approved lender exception for B1 having no rental history. Clayton considers non material based on compensating factors of 81.16 months reserves VS 12 months required, DTI of 29.84%, max per guidelines is 43%. and qualifying FICO of 802,Min required per guidelines is 700.	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $329,192.71.  Reserves required $4056..12 x 12 = $48,673.44 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 29.84%, max allowed per G/L is 43%
0639044846	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $348,180.94.  Reserves required $3540.22 x 12 = $42,482.64 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 28.36%, max allowed 43%
0549627563	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative fico score 756 exceeds guidelines requirements 720: 36pts CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI  17.85 % is below guideline requirement 43% : 25.15pts
0549627563	CMPTRID5107	TRID - Seller CD not in file; need in order to complete fee entry	No	Seller Cd not present in file.  Provide copy of missing document.	1.2.20 - Client responded. See attached combined borrower and seller closing disclosure.  Shows seller mortgage accounts paid off and closing costs paid.  No separate seller CD.	1.2.20 - Exception satisfied.	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative fico score 756 exceeds guidelines requirements 720: 36pts CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI  17.85 % is below guideline requirement 43% : 25.15pts
0993061564									CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $304,458.52 or 75.18 months PITI CFCFS2854: Significant time in profession - Clayton Comments:  B2 in same profession 30 years
0309246636	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores exceed guidelines at 799 & 788 with a minimum credit score of 740. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job with 19 years.
0309246636	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores exceed guidelines at 799 & 788 with a minimum credit score of 740. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job with 19 years.
0309246636	CMPTRID3670	TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation	No	Zero percent tolerance fee of $50.00 for increase in Appraisal Re-Inspection Fee. Missing COC or post close CD and evidence of refund to borrower	3.3.20 - Client responded. Disagree:  Loan Estimate issued XXX disclosed $700 Appraisal and $125 Appraisal Re-inspection fee.  Consummation CD disclosed  Appraisal Fee $700 ($175 paid at close and $525 before closing).   No Appraisal Reinspection fee charged on consummation CD.  See attached Consummation CD.	3.3.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores exceed guidelines at 799 & 788 with a minimum credit score of 740. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job with 19 years.
0091931913	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	Projected payments says $0.00 however yes is selected for HOI and property taxes rather than No.	1.31.20 - Client responded. Agree. The CD issued XXX indicates "Yes" for the In escrow field in Estimated Taxes, Insurance, and Assessments (ETIA). ETIA should be updated to reflect In Escrow No. PC CD and LOX to borrower required to remedy2.11.20 - Client responded. XXX see attached PD CD with corrected page 4 escrow table.	1.31.20 - Exception remains. 2.11.20 - Exception satisfied.	Non-Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 25.51% below guideline requirement 43% by 17.5% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 819, minimum is required 700
0735993360	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing balance sheet for B2 schedule C business.	2.14.20 - Client responded. Agree. Loan was knowingly approved with the missing balance sheet2.17.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly	2.14.20 - Exception remains. 2.17.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 13 years experience in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 802 is above the minimum required score of 720
0735993360	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Client Re-status loan as Non-QM and re-grade accordingly	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 13 years experience in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 802 is above the minimum required score of 720
0735993360	PRVAVALU5249	Property Value Not Supported	No	A Desk Review was received with a reported value of $XXX which is a variance of -20.31% 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	Not Applicable	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 13 years experience in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 802 is above the minimum required score of 720
0479438120									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers median credit score is 787; guideline minimum 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 32.44%, guideline maximum is 43.00%.
0535802940									CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been XXX for 20 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 786, minimum required for 80% LTV is 720
0150978513	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	Lender approved at 43.56%. Clayton calculated income = $27,601.00. Subject PITI $7,065.90; Departing Residence $5,019.46 and Other debt $10.00 = $12,095.36 for DTI of 43.82%. DTI over 43% is considered Non-QM.	2.6.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly	2.6.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 9 years experience in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  786 qualifying score. Min required per guidelines is 700
0150978513	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 9 years experience in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  786 qualifying score. Min required per guidelines is 700
0150978513	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 9 years experience in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  786 qualifying score. Min required per guidelines is 700
0150978513	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Per Client - Re-status loan as Non-QM and re-grade accordingly.	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 9 years experience in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  786 qualifying score. Min required per guidelines is 700
0150978513	CRDDTI105	Debt Ratio Exception 5% or Less	No	Lender approved at 43.56%. Clayton calculated income = $27,601.00. Subject PITI $7,065.90; Departing Residence $5,019.46 and Other debt $10.00 = $12,095.36 for DTI of 43.82%.	2.6.20 - Lender request to make loan non-QM now makes this exception invalid.	2.6.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 9 years experience in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  786 qualifying score. Min required per guidelines is 700
0452203312	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing proof that XXX #XXX-XXX has been closed to future draws, signed authorization to close account not provided.	2.3.20 - Client responded. See final title policy validating HELOC was released.	2.3.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 35.53%. Max DTI for this program is 43.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 59.12%. Max LTV for this program is 70.00%.
0452203312	CRDLGL2642	Missing proof that HELOC has been paid and closed to future draws	No	Missing proof that XXX #XXX-XXX has been closed to future draws, signed authorization to close account not provided.  Clayton considers non-material based on compensating factors of B1 employment of 19 years, low LTV 59.12% & DTI 35.53%.	2.3.20 - Client responded. See final title policy validating HELOC was released.	2.3.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 35.53%. Max DTI for this program is 43.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 59.12%. Max LTV for this program is 70.00%.
0253477570	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period	No	The file does not contain documentation that the initial CD dated XXX was prior to final CD XXX.	1.21.20 - Client responded. Agree:  Closing Disclosure dated XXX is unsigned and presumed delivery is XXX.   Earliest close date is XXX.  Loan closing  XXX and does not meet TRID timing requirements.   Requires evidence of 3day receipt of CD prior to XXX. Remediation requested.2.11.20 - Client responded. 2/10/2020:  see attached document tracking.  CD opened and acknowledged by borrower on XXX.  Meets timing for closing date XXX.	1.21.20 - Exception remains. 2.11.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers median credit score is 815; guideline minimum 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer 5 years.
0118109664	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file	No	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)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrowers have been XXX for over 16 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.75%, max allowed per G/L is 43%
0014449205									CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  787 qualifying score. Min required per guidelines is 700 CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 6 years experience in profession.
0520115742	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	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)	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  75%LTV below guideline max of 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.87% DTI below guideline max of 45%

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2020-RR1
Start - End Dates:	4/2017 To 7/2020
Deal Loan Count:	376
Conditions Report 2.0
Loans in Report:	376
Loans with Conditions:	273

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	Initial Securitization Property Valuations Loan Grade	Final Securitization Property Valuations Loan Grade
0058093967	Yes	XXXXXX	XXXXXX	C	B	C	B	A	A
0460266286	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0345524951	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0905082850	Yes	XXXXXX	XXXXXX	D	B	D	B	B	A
0766781850	Yes	XXXXXX	XXXXXX	D	B	C	B	B	A
0716875694	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0937384502	Yes	XXXXXX	XXXXXX	D	B	D	A	A	A
0478365775	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0844239670	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0720118077	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0215673379	Yes	XXXXXX	XXXXXX	C	B	C	B	C	A
0813172404	Yes	XXXXXX	XXXXXX	D	B	B	B	C	A
0331144799	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0103440112	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0066248376	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0845772901	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0917509116	Yes	XXXXXX	XXXXXX	D	B	D	B	C	A
0808516003	Yes	XXXXXX	XXXXXX	D	B	D	B	B	A
0681714584	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0564024477	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0634340581	Yes	XXXXXX	XXXXXX	D	B	D	A	A	A
0876017365	Yes	XXXXXX	XXXXXX	C	B	C	B	A	A
0261449590	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0390206785	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0675741198	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0279313615	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0754880233	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0733283060	Yes	XXXXXX	XXXXXX	D	B	B	B	B	A
0830874307	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0603856189	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0733482960	Yes	XXXXXX	XXXXXX	D	C	C	C	A	A
0305768815	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0193295640	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0912035228	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0588980730	Yes	XXXXXX	XXXXXX	C	B	C	B	A	A
0222821814	Yes	XXXXXX	XXXXXX	D	B	B	B	D	A
0187716302	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0134859397	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0096927963	Yes	XXXXXX	XXXXXX	D	B	B	A	A	A
0984351889	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0352386445	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0336019690	Yes	XXXXXX	XXXXXX	D	B	D	A	A	A
0864823692	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0496353559	Yes	XXXXXX	XXXXXX	D	B	C	B	C	A
0628571176	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0724929458	Yes	XXXXXX	XXXXXX	D	B	A	A	A	A
0101123162	Yes	XXXXXX	XXXXXX	D	B	B	B	C	A
0150952413	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0333468038	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0928143050	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0893713685	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0377384031	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0104395200	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0866262796	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0408978855	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0525245910	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0451869153	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0281282681	Yes	XXXXXX	XXXXXX	D	B	B	B	C	A
0086336495	Yes	XXXXXX	XXXXXX	D	B	A	A	A	A
0710969555	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0934091468	Yes	XXXXXX	XXXXXX	D	B	C	B	A	A
0409210611	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0939412075	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0340510098	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0389743079	Yes	XXXXXX	XXXXXX	D	B	C	B	A	A
0194389717	Yes	XXXXXX	XXXXXX	D	B	B	B	D	A
0028699661	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0266736486	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0216132218	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0738508713	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0816150918	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0807818862	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0236968332	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0520183751	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0607541062	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0473140064	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0111855447	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0921764266	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0233656945	Yes	XXXXXX	XXXXXX	C	B	C	B	A	A
0676121309	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0042626327	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0250203100	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0981427612	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0627861462	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0039058195	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0139644050	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0303224960	Yes	XXXXXX	XXXXXX	D	A	A	A	D	A
0484146170	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0842683133	Yes	XXXXXX	XXXXXX	D	B	C	B	C	A
0579524202	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A
0657971017	Yes	XXXXXX	XXXXXX	D	B	D	B	C	A
0694690062	Yes	XXXXXX	XXXXXX	D	A	A	A	A	A
0761832757	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0926935255	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0641544091	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0280634150	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0684792372	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0937766655	Yes	XXXXXX	XXXXXX	D	B	B	B	C	A
0256333715	Yes	XXXXXX	XXXXXX	D	B	C	B	A	A
0628501373	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0966576986	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0691005003	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0107542073	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0242659236	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0991610154	Yes	XXXXXX	XXXXXX	D	A	A	A	D	A
0521593748	Yes	XXXXXX	XXXXXX	D	B	A	A	D	A
0989966163	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0666871421	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0688749724	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0447571739	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A
0284086889	Yes	XXXXXX	XXXXXX	D	A	A	A	D	A
0223411300	Yes	XXXXXX	XXXXXX	D	A	A	A	D	A
0501538580	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0669254856	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0288069721	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0882055575	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0969405083	Yes	XXXXXX	XXXXXX	D	A	A	A	A	A
0964453250	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0960894460	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A
0686927117	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0858224311	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A
0151536873	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0594957881	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0181607847	Yes	XXXXXX	XXXXXX	D	A	B	A	A	A
0561713230	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0580493960	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0359700682	Yes	XXXXXX	XXXXXX	D	B	A	A	D	A
0762996387	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0591713842	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0412138716	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A
0708668607	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0359030118	Yes	XXXXXX	XXXXXX	C	B	A	A	C	A
0963333981	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0637871952	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0089767037	Yes	XXXXXX	XXXXXX	C	B	A	A	C	A
0251271268	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A
0782958136	Yes	XXXXXX	XXXXXX	C	B	A	A	C	A
0962555915	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0660266447	Yes	XXXXXX	XXXXXX	D	B	B	B	D	A
0515751289	Yes	XXXXXX	XXXXXX	D	B	B	A	A	A
0780847153	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0344082665	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0799137988	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A
0255092108	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A
0394335880	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0046496761	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A
0635699069	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0921535455	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0694875724	Yes	XXXXXX	XXXXXX	D	B	A	A	A	A
0888046046	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0537102789	Yes	XXXXXX	XXXXXX	D	B	B	B	D	A
0230199731	Yes	XXXXXX	XXXXXX	B	A	A	A	A	A
0194649465	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0403429564	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0211614348	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0800590972	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0396365775	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0180177789	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0073103433	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0689922795	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0826233931	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0061694363	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A
0965394786	Yes	XXXXXX	XXXXXX	B	A	A	A	A	A
0848744571	Yes	XXXXXX	XXXXXX	D	B	A	A	A	A
0648135165	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A
0464301204	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0182854453	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0067071770	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0197614680	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0752300735	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0140292003	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0484482818	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0098578479	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0159247599	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0298538035	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0471586929	Yes	XXXXXX	XXXXXX	B	A	A	A	A	A
0246986674	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A
0007203024	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0802874812	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0738319626	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0596300967	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A
0066074404	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A
0083957083	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0480258643	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0432802722	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0451121628	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0094132506	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0440515802	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A
0166991701	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A
0275916197	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A
0381780907	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0931852002	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0622759677	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A
0503667682	Yes	XXXXXX	XXXXXX	C	B	C	A	A	A
0025840879	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0163875355	Yes	XXXXXX	XXXXXX	D	B	B	A	A	A
0084072021	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0522418689	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A
0290396992	Yes	XXXXXX	XXXXXX	D	A	B	A	A	A
0313726905	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0344461168	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A
0119488030	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0660983732	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0719668371	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0641359241	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0876846986	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0539656690	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0532953627	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A
0268459998	Yes	XXXXXX	XXXXXX	D	B	A	A	A	A
0401987927	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0804083355	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A
0864858405	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A
0100949224	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0850150329	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0316023138	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A
0296538185	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A
0403270653	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A
0841468619	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0410491377	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A
0207936843	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0560535952	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0482575337	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0768971662	Yes	XXXXXX	XXXXXX	D	B	C	B	A	A
0341377262	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A
0318454281	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0831939988	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0658303941	Yes	XXXXXX	XXXXXX	D	A	A	A	A	A
0627253037	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0549888506	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0173045918	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0353041815	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0757546012	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0617931850	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0264969075	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0368390685	Yes	XXXXXX	XXXXXX	D	B	A	A	D	A
0834531294	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0663428205	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0091618772	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0470510698	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A
0505661185	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0790925236	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0831742939	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A
0581075467	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0249769406	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0137336864	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0017125999	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0717406474	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0636552460	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0442954178	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0999103751	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0090892025	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A
0480694729	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0054379439	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A
0650760614	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0558552479	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0615216745	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0969540472	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0435920438	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0232235806	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0817191353	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0559177597	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0289510648	Yes	XXXXXX	XXXXXX	C	B	C	A	A	A
0450726039	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0258714939	Yes	XXXXXX	XXXXXX	C	B	A	A	B	B
0250548693	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0171061835	Yes	XXXXXX	XXXXXX	D	A	A	A	A	A
0729022797	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0337422317	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A
0051094872	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0845100918	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0342155449	Yes	XXXXXX	XXXXXX	C	B	C	B	A	A
0063192927	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0390562360	Yes	XXXXXX	XXXXXX	D	A	A	A	A	A
0240659592	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0514673504	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0226574930	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0209095290	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0403566133	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A
0466520950	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0164581982	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0245862531	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A
0329094540	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0115444143	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0078936277	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0464946580	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0787874378	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0749872960	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0800793629	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0244418964	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0537119098	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0047212998	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0574495436	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0384786138	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0091508207	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0167463397	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0723630152	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0035185220	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A
0880824314	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0332545785	Yes	XXXXXX	XXXXXX	D	A	A	A	A	A
0707724360	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0231397221	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0513837122	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0516400659	Yes	XXXXXX	XXXXXX	D	A	A	A	A	A
0583613742	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0744968800	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0739184622	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0147781271	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0874861426	Yes	XXXXXX	XXXXXX	C	B	A	A	C	A
0758125974	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0355973759	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0277997495	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0558392377	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0618494993	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0857508060	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A
0153317789	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0421376891	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0140539176	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0389716084	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A
0498812963	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A
0116856370	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A
0571066766	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0211948619	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0147394809	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0606642899	Yes	XXXXXX	XXXXXX	D	A	A	A	D	A
0548724404	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A
0619275126	Yes	XXXXXX	XXXXXX	D	A	A	A	A	A
0954104756	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0403291873	Yes	XXXXXX	XXXXXX	D	A	A	A	A	A
0745414532	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0695026985	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A
0756089081	Yes	XXXXXX	XXXXXX	C	B	B	B	A	A
0564154473	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0483475198	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A
0525474897	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0580536555	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0685487404	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0259417368	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0411974818	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0457479020	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0241121602	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0483735375	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A
0296356249	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A
0638012082	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0678678413	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0543810165	Yes	XXXXXX	XXXXXX	D	A	A	A	A	A
0542874819	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0156781550	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0246391501	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0578129438	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0228816176	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A
0062146444	Yes	XXXXXX	XXXXXX	D	B	B	B	C	A
0140285578	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A
0400335687	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0935418209	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A
0788298237	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0979071454	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A
0194176130	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0984676984	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0757541466	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0045246453	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0770245381	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0681612097	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0639044846	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0549627563	Yes	XXXXXX	XXXXXX	D	A	A	A	A	A
0993061564	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0309246636	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A
0091931913	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A
0735993360	Yes	XXXXXX	XXXXXX	D	B	B	B	C	A
0479438120	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0535802940	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0150978513	Yes	XXXXXX	XXXXXX	D	B	B	B	A	A
0452203312	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A
0253477570	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A
0118109664	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0014449205	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A
0520115742	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A

Alt Loan Number	Initial Securitization Compliance Loan Grade	Final Securitization Compliance Loan Grade	Initial S&P Overall Loan Grade	Final S&P Overall Loan Grade	Initial S&P Credit Loan Grade	Final S&P Credit Loan Grade	Initial S&P Property Valuations Loan Grade	Final S&P Property Valuations Loan Grade	Initial S&P Compliance Loan Grade	Final S&P Compliance Loan Grade
0058093967	B	B	C	B	C	B	A	A	B	B
0460266286	D	A	D	B	B	B	A	A	D	A
0345524951	D	A	D	B	D	B	A	A	D	A
0905082850	D	A	D	B	D	B	B	A	D	A
0766781850	D	A	D	B	C	B	B	A	D	A
0716875694	D	A	D	B	D	B	A	A	D	A
0937384502	D	B	D	B	D	A	A	A	D	B
0478365775	D	B	D	B	D	B	A	A	D	B
0844239670	D	A	D	B	D	B	A	A	D	A
0720118077	D	B	D	B	D	B	A	A	D	B
0215673379	B	B	C	B	C	B	C	A	B	B
0813172404	D	A	D	B	B	B	C	A	D	A
0331144799	D	B	D	B	D	B	A	A	D	B
0103440112	D	A	D	B	D	B	A	A	D	A
0066248376	D	A	D	B	B	B	A	A	D	A
0845772901	D	B	D	B	D	B	A	A	D	B
0917509116	D	B	D	B	D	B	C	B	D	B
0808516003	D	A	D	B	D	B	B	A	D	A
0681714584	B	A	D	B	D	B	A	A	B	A
0564024477	D	A	D	B	D	B	A	A	D	A
0634340581	B	B	D	B	D	A	A	A	B	B
0876017365	B	A	C	B	C	B	A	A	B	A
0261449590	D	A	D	B	B	B	A	A	D	A
0390206785	D	B	D	B	D	B	A	A	D	B
0675741198	D	B	D	B	D	B	A	A	D	B
0279313615	D	B	D	B	D	B	A	A	D	B
0754880233	D	B	D	B	B	B	A	A	D	B
0733283060	D	A	D	B	B	B	B	A	D	A
0830874307	D	B	D	B	B	B	A	A	D	B
0603856189	D	A	D	B	B	B	A	A	D	A
0733482960	D	A	D	C	C	C	A	A	D	A
0305768815	D	A	D	B	D	B	A	A	D	A
0193295640	D	B	D	B	B	B	A	A	D	B
0912035228	D	B	D	B	D	B	A	A	D	B
0588980730	C	A	C	B	C	B	A	A	C	A
0222821814	D	A	D	B	B	B	D	A	D	A
0187716302	D	A	D	B	B	B	A	A	D	A
0134859397	D	B	D	B	B	B	A	A	D	B
0096927963	D	B	D	B	B	A	A	A	D	B
0984351889	D	A	D	B	D	B	A	A	D	A
0352386445	D	A	D	B	B	B	A	A	D	A
0336019690	D	B	D	B	D	A	A	A	D	B
0864823692	D	A	D	B	D	B	A	A	D	A
0496353559	D	A	D	B	C	B	C	B	D	A
0628571176	D	B	D	B	B	B	A	A	D	B
0724929458	D	B	D	B	A	A	A	A	D	B
0101123162	D	A	D	B	B	B	C	B	D	A
0150952413	D	A	D	B	B	B	A	A	D	A
0333468038	D	B	D	B	B	B	A	A	D	B
0928143050	D	A	D	B	B	B	A	A	D	A
0893713685	D	A	D	B	B	B	A	A	D	A
0377384031	D	A	D	B	B	B	A	A	D	A
0104395200	D	A	D	B	B	B	A	A	D	A
0866262796	D	A	D	B	D	B	A	A	D	A
0408978855	D	A	D	B	B	B	A	A	D	A
0525245910	D	A	D	B	B	B	A	A	D	A
0451869153	D	A	D	B	D	B	A	A	D	A
0281282681	D	A	D	B	B	B	C	A	D	A
0086336495	D	B	D	B	A	A	A	A	D	B
0710969555	D	A	D	B	B	B	A	A	D	A
0934091468	D	A	D	B	C	B	A	A	D	A
0409210611	D	B	D	B	B	B	A	A	D	B
0939412075	D	B	D	B	D	B	A	A	D	B
0340510098	D	A	D	B	B	B	A	A	D	A
0389743079	D	A	D	B	C	B	A	A	D	A
0194389717	D	B	D	B	B	B	D	A	D	B
0028699661	D	B	D	B	B	B	A	A	D	B
0266736486	D	B	D	B	D	B	A	A	D	B
0216132218	D	A	D	B	B	B	A	A	D	A
0738508713	D	A	D	B	B	B	A	A	D	A
0816150918	D	B	D	B	D	B	A	A	D	B
0807818862	D	A	D	B	B	B	A	A	D	A
0236968332	D	A	D	B	B	B	A	A	D	A
0520183751	D	B	D	B	D	B	A	A	D	B
0607541062	D	B	D	B	D	B	A	A	D	B
0473140064	D	A	D	B	B	B	A	A	D	A
0111855447	D	B	D	B	D	B	A	A	D	B
0921764266	D	B	D	B	D	B	A	A	D	B
0233656945	A	A	C	B	C	B	A	A	A	A
0676121309	D	A	D	B	B	B	A	A	D	A
0042626327	A	A	A	A	A	A	A	A	A	A
0250203100	A	A	A	A	A	A	A	A	A	A
0981427612	A	A	A	A	A	A	A	A	A	A
0627861462	A	A	A	A	A	A	A	A	A	A
0039058195	A	A	A	A	A	A	A	A	A	A
0139644050	D	A	D	B	D	B	A	A	D	A
0303224960	A	A	D	A	A	A	D	A	A	A
0484146170	D	A	D	B	B	B	A	A	D	A
0842683133	D	A	D	B	C	B	C	A	D	A
0579524202	A	A	B	B	B	B	A	A	A	A
0657971017	D	A	D	B	D	B	C	A	D	A
0694690062	D	A	D	A	A	A	A	A	D	A
0761832757	D	A	D	B	B	B	A	A	D	A
0926935255	D	A	D	B	D	B	A	A	D	A
0641544091	D	A	D	B	B	B	A	A	D	A
0280634150	D	A	D	B	B	B	A	A	D	A
0684792372	D	A	D	B	B	B	A	A	D	A
0937766655	D	A	D	B	B	B	C	A	D	A
0256333715	D	A	D	B	C	B	A	A	D	A
0628501373	D	B	D	B	B	B	A	A	D	B
0966576986	D	A	D	B	D	B	A	A	D	A
0691005003	D	A	D	B	D	B	A	A	D	A
0107542073	D	A	D	B	B	B	A	A	D	A
0242659236	B	B	B	B	A	A	A	A	B	B
0991610154	A	A	D	A	A	A	D	A	A	A
0521593748	C	B	D	B	A	A	D	A	C	B
0989966163	D	A	D	B	D	B	A	A	D	A
0666871421	A	A	A	A	A	A	A	A	A	A
0688749724	A	A	A	A	A	A	A	A	A	A
0447571739	A	A	D	A	D	A	A	A	A	A
0284086889	A	A	D	A	A	A	D	A	A	A
0223411300	A	A	D	A	A	A	D	A	A	A
0501538580	D	A	D	B	B	B	A	A	D	A
0669254856	D	B	D	B	B	B	A	A	D	B
0288069721	A	A	A	A	A	A	A	A	A	A
0882055575	A	A	A	A	A	A	A	A	A	A
0969405083	D	A	D	A	A	A	A	A	D	A
0964453250	A	A	A	A	A	A	A	A	A	A
0960894460	B	B	B	B	B	B	A	A	B	B
0686927117	A	A	A	A	A	A	A	A	A	A
0858224311	A	A	B	B	B	B	A	A	A	A
0151536873	A	A	A	A	A	A	A	A	A	A
0594957881	B	B	B	B	A	A	A	A	B	B
0181607847	D	A	D	A	B	A	A	A	D	A
0561713230	A	A	A	A	A	A	A	A	A	A
0580493960	A	A	A	A	A	A	A	A	A	A
0359700682	B	B	D	B	A	A	D	A	B	B
0762996387	B	B	B	B	A	A	A	A	B	B
0591713842	A	A	A	A	A	A	A	A	A	A
0412138716	C	B	C	B	A	A	A	A	C	B
0708668607	A	A	A	A	A	A	A	A	A	A
0359030118	C	B	C	B	A	A	C	B	C	B
0963333981	D	B	D	B	B	B	A	A	D	B
0637871952	B	B	B	B	A	A	A	A	B	B
0089767037	B	B	C	B	A	A	C	B	B	B
0251271268	B	A	B	B	B	B	A	A	B	A
0782958136	B	B	C	B	A	A	C	B	B	B
0962555915	D	A	D	B	B	B	A	A	D	A
0660266447	A	A	D	B	B	B	D	A	A	A
0515751289	D	B	D	B	B	A	A	A	D	B
0780847153	D	A	D	B	D	B	A	A	D	A
0344082665	B	B	B	B	A	A	A	A	B	B
0799137988	A	A	B	B	B	B	A	A	A	A
0255092108	B	B	B	B	B	B	A	A	B	B
0394335880	A	A	A	A	A	A	A	A	A	A
0046496761	D	A	D	A	D	A	A	A	D	A
0635699069	A	A	A	A	A	A	A	A	A	A
0921535455	A	A	A	A	A	A	A	A	A	A
0694875724	D	B	D	B	A	A	A	A	D	B
0888046046	B	B	B	B	A	A	A	A	B	B
0537102789	D	A	D	B	B	B	D	A	D	A
0230199731	B	A	B	A	A	A	A	A	B	A
0194649465	A	A	A	A	A	A	A	A	A	A
0403429564	A	A	A	A	A	A	A	A	A	A
0211614348	B	B	B	B	A	A	A	A	B	B
0800590972	A	A	A	A	A	A	A	A	A	A
0396365775	A	A	A	A	A	A	A	A	A	A
0180177789	A	A	A	A	A	A	A	A	A	A
0073103433	A	A	A	A	A	A	A	A	A	A
0689922795	B	B	B	B	A	A	A	A	B	B
0826233931	A	A	A	A	A	A	A	A	A	A
0061694363	C	B	C	B	A	A	A	A	C	B
0965394786	B	A	B	A	A	A	A	A	B	A
0848744571	D	B	D	B	A	A	A	A	D	B
0648135165	C	A	C	A	A	A	A	A	C	A
0464301204	A	A	A	A	A	A	A	A	A	A
0182854453	A	A	A	A	A	A	A	A	A	A
0067071770	A	A	A	A	A	A	A	A	A	A
0197614680	A	A	A	A	A	A	A	A	A	A
0752300735	A	A	A	A	A	A	A	A	A	A
0140292003	B	B	B	B	A	A	A	A	B	B
0484482818	A	A	A	A	A	A	A	A	A	A
0098578479	A	A	A	A	A	A	A	A	A	A
0159247599	A	A	A	A	A	A	A	A	A	A
0298538035	A	A	A	A	A	A	A	A	A	A
0471586929	B	A	B	A	A	A	A	A	B	A
0246986674	C	A	C	A	A	A	A	A	C	A
0007203024	A	A	A	A	A	A	A	A	A	A
0802874812	A	A	A	A	A	A	A	A	A	A
0738319626	A	A	A	A	A	A	A	A	A	A
0596300967	A	A	D	A	D	A	A	A	A	A
0066074404	C	B	C	B	A	A	A	A	C	B
0083957083	A	A	A	A	A	A	A	A	A	A
0480258643	A	A	A	A	A	A	A	A	A	A
0432802722	B	B	B	B	A	A	A	A	B	B
0451121628	A	A	A	A	A	A	A	A	A	A
0094132506	D	B	D	B	B	B	A	A	D	B
0440515802	A	A	C	B	A	A	C	B	A	A
0166991701	C	A	C	A	A	A	A	A	C	A
0275916197	A	A	D	A	D	A	A	A	A	A
0381780907	A	A	A	A	A	A	A	A	A	A
0931852002	D	B	D	B	B	B	A	A	D	B
0622759677	B	B	B	B	B	B	A	A	B	B
0503667682	C	B	C	B	C	A	A	A	C	B
0025840879	B	B	B	B	A	A	A	A	B	B
0163875355	D	B	D	B	B	A	A	A	D	B
0084072021	A	A	A	A	A	A	A	A	A	A
0522418689	A	A	B	B	B	B	A	A	A	A
0290396992	D	A	D	A	B	A	A	A	D	A
0313726905	A	A	A	A	A	A	A	A	A	A
0344461168	A	A	B	B	B	B	A	A	A	A
0119488030	A	A	A	A	A	A	A	A	A	A
0660983732	A	A	A	A	A	A	A	A	A	A
0719668371	A	A	A	A	A	A	A	A	A	A
0641359241	B	B	B	B	A	A	A	A	B	B
0876846986	A	A	A	A	A	A	A	A	A	A
0539656690	A	A	A	A	A	A	A	A	A	A
0532953627	A	A	B	B	B	B	A	A	A	A
0268459998	D	B	D	B	A	A	A	A	D	B
0401987927	A	A	A	A	A	A	A	A	A	A
0804083355	C	A	C	A	A	A	A	A	C	A
0864858405	C	A	C	A	A	A	A	A	C	A
0100949224	A	A	A	A	A	A	A	A	A	A
0850150329	A	A	A	A	A	A	A	A	A	A
0316023138	C	B	C	B	A	A	A	A	C	B
0296538185	C	B	C	B	A	A	A	A	C	B
0403270653	A	A	B	B	B	B	A	A	A	A
0841468619	A	A	A	A	A	A	A	A	A	A
0410491377	C	B	C	B	A	A	A	A	C	B
0207936843	A	A	A	A	A	A	A	A	A	A
0560535952	A	A	A	A	A	A	A	A	A	A
0482575337	D	B	D	B	B	B	A	A	D	B
0768971662	D	B	D	B	C	B	A	A	D	B
0341377262	C	B	C	B	A	A	A	A	C	B
0318454281	A	A	A	A	A	A	A	A	A	A
0831939988	A	A	A	A	A	A	A	A	A	A
0658303941	D	A	D	A	A	A	A	A	D	A
0627253037	A	A	A	A	A	A	A	A	A	A
0549888506	B	B	B	B	A	A	A	A	B	B
0173045918	A	A	A	A	A	A	A	A	A	A
0353041815	A	A	A	A	A	A	A	A	A	A
0757546012	A	A	A	A	A	A	A	A	A	A
0617931850	A	A	A	A	A	A	A	A	A	A
0264969075	A	A	A	A	A	A	A	A	A	A
0368390685	D	B	D	B	A	A	D	A	D	B
0834531294	A	A	A	A	A	A	A	A	A	A
0663428205	D	B	D	B	B	B	A	A	D	B
0091618772	B	B	B	B	A	A	A	A	B	B
0470510698	A	A	C	A	A	A	C	A	A	A
0505661185	A	A	A	A	A	A	A	A	A	A
0790925236	A	A	A	A	A	A	A	A	A	A
0831742939	C	A	C	A	A	A	C	A	C	A
0581075467	B	B	B	B	A	A	A	A	B	B
0249769406	A	A	A	A	A	A	A	A	A	A
0137336864	A	A	A	A	A	A	A	A	A	A
0017125999	A	A	A	A	A	A	A	A	A	A
0717406474	B	B	B	B	A	A	A	A	B	B
0636552460	B	B	B	B	A	A	A	A	B	B
0442954178	A	A	A	A	A	A	A	A	A	A
0999103751	B	B	B	B	A	A	A	A	B	B
0090892025	C	B	C	B	A	A	A	A	C	B
0480694729	B	B	B	B	A	A	A	A	B	B
0054379439	C	B	C	B	A	A	A	A	C	B
0650760614	B	B	B	B	A	A	A	A	B	B
0558552479	B	B	B	B	A	A	A	A	B	B
0615216745	A	A	A	A	A	A	A	A	A	A
0969540472	A	A	A	A	A	A	A	A	A	A
0435920438	B	B	B	B	A	A	A	A	B	B
0232235806	B	B	B	B	A	A	A	A	B	B
0817191353	A	A	A	A	A	A	A	A	A	A
0559177597	A	A	A	A	A	A	A	A	A	A
0289510648	C	B	C	B	C	A	A	A	C	B
0450726039	A	A	A	A	A	A	A	A	A	A
0258714939	C	A	C	B	A	A	B	B	C	A
0250548693	A	A	A	A	A	A	A	A	A	A
0171061835	D	A	D	A	A	A	A	A	D	A
0729022797	A	A	A	A	A	A	A	A	A	A
0337422317	A	A	B	B	B	B	A	A	A	A
0051094872	A	A	A	A	A	A	A	A	A	A
0845100918	B	B	B	B	A	A	A	A	B	B
0342155449	B	B	C	B	C	B	A	A	B	B
0063192927	D	A	D	B	B	B	A	A	D	A
0390562360	D	A	D	A	A	A	A	A	D	A
0240659592	B	B	B	B	A	A	A	A	B	B
0514673504	A	A	A	A	A	A	A	A	A	A
0226574930	A	A	A	A	A	A	A	A	A	A
0209095290	A	A	A	A	A	A	A	A	A	A
0403566133	C	A	C	A	A	A	A	A	C	A
0466520950	B	B	B	B	A	A	A	A	B	B
0164581982	B	B	B	B	A	A	A	A	B	B
0245862531	C	B	C	B	A	A	A	A	C	B
0329094540	A	A	A	A	A	A	A	A	A	A
0115444143	D	A	D	B	B	B	A	A	D	A
0078936277	B	B	B	B	A	A	A	A	B	B
0464946580	A	A	A	A	A	A	A	A	A	A
0787874378	A	A	A	A	A	A	A	A	A	A
0749872960	A	A	A	A	A	A	A	A	A	A
0800793629	A	A	A	A	A	A	A	A	A	A
0244418964	A	A	A	A	A	A	A	A	A	A
0537119098	A	A	A	A	A	A	A	A	A	A
0047212998	A	A	A	A	A	A	A	A	A	A
0574495436	B	B	B	B	A	A	A	A	B	B
0384786138	A	A	A	A	A	A	A	A	A	A
0091508207	A	A	A	A	A	A	A	A	A	A
0167463397	A	A	A	A	A	A	A	A	A	A
0723630152	A	A	A	A	A	A	A	A	A	A
0035185220	D	A	D	A	D	A	A	A	D	A
0880824314	D	B	D	B	D	B	A	A	D	B
0332545785	D	A	D	A	A	A	A	A	D	A
0707724360	A	A	A	A	A	A	A	A	A	A
0231397221	A	A	A	A	A	A	A	A	A	A
0513837122	A	A	A	A	A	A	A	A	A	A
0516400659	D	A	D	A	A	A	A	A	D	A
0583613742	A	A	A	A	A	A	A	A	A	A
0744968800	A	A	A	A	A	A	A	A	A	A
0739184622	A	A	A	A	A	A	A	A	A	A
0147781271	B	B	B	B	A	A	A	A	B	B
0874861426	C	B	C	B	A	A	C	A	C	B
0758125974	A	A	A	A	A	A	A	A	A	A
0355973759	A	A	A	A	A	A	A	A	A	A
0277997495	A	A	A	A	A	A	A	A	A	A
0558392377	A	A	A	A	A	A	A	A	A	A
0618494993	A	A	A	A	A	A	A	A	A	A
0857508060	B	B	B	B	A	A	A	A	B	B
0153317789	D	A	D	B	B	B	A	A	D	A
0421376891	A	A	A	A	A	A	A	A	A	A
0140539176	A	A	A	A	A	A	A	A	A	A
0389716084	A	A	B	B	B	B	A	A	A	A
0498812963	C	B	C	B	A	A	A	A	C	B
0116856370	C	A	C	A	A	A	A	A	C	A
0571066766	A	A	A	A	A	A	A	A	A	A
0211948619	D	A	D	B	B	B	A	A	D	A
0147394809	A	A	A	A	A	A	A	A	A	A
0606642899	A	A	D	A	A	A	D	A	A	A
0548724404	D	A	D	B	D	B	A	A	D	A
0619275126	D	A	D	A	A	A	A	A	D	A
0954104756	A	A	A	A	A	A	A	A	A	A
0403291873	D	A	D	A	A	A	A	A	D	A
0745414532	A	A	A	A	A	A	A	A	A	A
0695026985	C	A	C	A	A	A	A	A	C	A
0756089081	C	A	C	B	B	B	A	A	C	A
0564154473	D	A	D	B	B	B	A	A	D	A
0483475198	C	B	C	B	A	A	A	A	C	B
0525474897	A	A	A	A	A	A	A	A	A	A
0580536555	A	A	A	A	A	A	A	A	A	A
0685487404	A	A	A	A	A	A	A	A	A	A
0259417368	A	A	A	A	A	A	A	A	A	A
0411974818	A	A	A	A	A	A	A	A	A	A
0457479020	A	A	A	A	A	A	A	A	A	A
0241121602	A	A	A	A	A	A	A	A	A	A
0483735375	A	A	D	A	D	A	A	A	A	A
0296356249	C	B	C	B	A	A	A	A	C	B
0638012082	A	A	A	A	A	A	A	A	A	A
0678678413	A	A	A	A	A	A	A	A	A	A
0543810165	D	A	D	A	A	A	A	A	D	A
0542874819	A	A	A	A	A	A	A	A	A	A
0156781550	A	A	A	A	A	A	A	A	A	A
0246391501	D	A	D	B	B	B	A	A	D	A
0578129438	A	A	A	A	A	A	A	A	A	A
0228816176	A	A	C	A	A	A	C	A	A	A
0062146444	D	A	D	B	B	B	C	A	D	A
0140285578	C	A	C	A	A	A	A	A	C	A
0400335687	A	A	A	A	A	A	A	A	A	A
0935418209	D	A	D	A	D	A	A	A	D	A
0788298237	A	A	A	A	A	A	A	A	A	A
0979071454	C	A	C	A	A	A	A	A	C	A
0194176130	A	A	A	A	A	A	A	A	A	A
0984676984	A	A	A	A	A	A	A	A	A	A
0757541466	A	A	A	A	A	A	A	A	A	A
0045246453	A	A	A	A	A	A	A	A	A	A
0770245381	A	A	A	A	A	A	A	A	A	A
0681612097	D	A	D	B	B	B	A	A	D	A
0639044846	A	A	A	A	A	A	A	A	A	A
0549627563	D	A	D	A	A	A	A	A	D	A
0993061564	A	A	A	A	A	A	A	A	A	A
0309246636	C	A	C	A	A	A	A	A	C	A
0091931913	C	B	C	B	A	A	A	A	C	B
0735993360	D	A	D	B	B	B	C	A	D	A
0479438120	A	A	A	A	A	A	A	A	A	A
0535802940	A	A	A	A	A	A	A	A	A	A
0150978513	D	A	D	B	B	B	A	A	D	A
0452203312	D	A	D	A	D	A	A	A	D	A
0253477570	C	A	C	A	A	A	A	A	C	A
0118109664	A	A	A	A	A	A	A	A	A	A
0014449205	A	A	A	A	A	A	A	A	A	A
0520115742	A	A	A	A	A	A	A	A	A	A

EX-99.6

Exhibit 99.6

Client Project Name:	WFMBS 2020-RR1
Start - End Dates:	4.2017 To 7.2020
Deal Loan Count:	376
Waived Conditions Summary

Review Scope	Category	Code	Description	Count
Compliance	TILA/RESPA Integrated Disclosure	CMPTRID4320	TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.	1
Compliance	Federal Consumer Protection	CMPFDCP3206	NMLS License verification found Loan Originator Name does not match ID	9
Total				10

 
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