0001104659-20-110447.txt : 20200930 0001104659-20-110447.hdr.sgml : 20200930 20200930165329 ACCESSION NUMBER: 0001104659-20-110447 CONFORMED SUBMISSION TYPE: ABS-15G PUBLIC DOCUMENT COUNT: 9 CONFORMED PERIOD OF REPORT: 20200930 ITEM INFORMATION: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer FILED AS OF DATE: 20200930 DATE AS OF CHANGE: 20200930 ABS RULE: RULE-15GA2 REGISTERED ENTITY: N ABS ASSET CLASS: Residential mortgages - Prime Wells Fargo Mortgage Backed Securities 2020-5 Trust FILER: COMPANY DATA: COMPANY CONFORMED NAME: WELLS FARGO ASSET SECURITIES CORP CENTRAL INDEX KEY: 0001011663 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 521972128 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act SEC FILE NUMBER: 025-00453 FILM NUMBER: 201212870 BUSINESS ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 BUSINESS PHONE: 3018468881 MAIL ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 FORMER COMPANY: FORMER CONFORMED NAME: NORWEST ASSET SECURITIES CORP DATE OF NAME CHANGE: 19960717 DEPOSITOR: COMPANY DATA: COMPANY CONFORMED NAME: WELLS FARGO ASSET SECURITIES CORP CENTRAL INDEX KEY: 0001011663 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 521972128 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act BUSINESS ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 BUSINESS PHONE: 3018468881 MAIL ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 FORMER COMPANY: FORMER CONFORMED NAME: NORWEST ASSET SECURITIES CORP DATE OF NAME CHANGE: 19960717 SECURITIZER: COMPANY DATA: COMPANY CONFORMED NAME: WELLS FARGO ASSET SECURITIES CORP CENTRAL INDEX KEY: 0001011663 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 521972128 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act SEC FILE NUMBER: 025-00453 BUSINESS ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 BUSINESS PHONE: 3018468881 MAIL ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 FORMER COMPANY: FORMER CONFORMED NAME: NORWEST ASSET SECURITIES CORP DATE OF NAME CHANGE: 19960717 ABS-15G 1 tm2031812-1_abs15g.htm ABS-15G

 

 

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

FORM ABS-15G

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

 

WELLS FARGO ASSET SECURITIES CORPORATIoN

 

 

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

 

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

 

  Date of Report (Date of earliest event reported) __________________

 

  Commission File Number of securitizer: __________________

 

  Central Index Key Number of securitizer:__________________

 

 

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

 

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

 

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

 

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

 

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

 

Central Index Key Number of depositor: 1011663

 

Wells Fargo Mortgage Backed Securities 2020-5 Trust
(Exact name of issuing entity as specified in its charter)

 

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

 

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

 

Diane Wold -- 952-242-2302

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

 

 

 

 

 

PART I: REPRESENTATION AND WARRANTY INFORMATION

 

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

 

Not Applicable

 

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

 

Not Applicable

 

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

 

Not Applicable

 

 

 

 

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

 

Item 2.01 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


 

 

 

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 30, 2020   /s/ Peter R. Diliberti
  Name: Peter R. Diliberti
  Title: President (senior officer in charge of securitization)

 

 

 

EX-99.1 2 tm2031812d1_ex99-1.htm CLAYTON SERVICES LLC DUE DILIGENCE NARRATIVE REPORT

 

Exhibit 99.1

 

 

 

 

 

 

 

Table of Contents

 

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

  

 

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Clayton Contact Information

 

Client Service Management:

 

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

 

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

 

Overview

 

On behalf of Wells Fargo Home Mortgage, Clayton conducted an independent third-party pre-securitization due diligence review of residential loans selected for the Wells Fargo securitization (WFMBS 2020-5). The loans referenced in this narrative report were reviewed from 12-2019 to 8-2020 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
Retail 497 100.00%
Total 497 100.00%

 

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”. 

 

Sampling

 

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

 

 

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

 

 

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Review Type Loan Counts

 

Review Type

Loan Count

Reviewed by Clayton

Scope Applied
Full Review 497 Clayton performed a Full Review based on the scope described below in the section titled “TPR Component Review Scope”.
Total Loan Population 497  

 

 

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. Retail Versions: _11.19_NC,_01.20_NC,_4.20_NC and_7.20_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.

 

 

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TPR Component Review Scope

 

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

 

Credit Review

 

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

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

 

 

Property Valuation Review

 

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

 

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

 

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

 

-491 loans had Desktop Reviews
-3 loans required Field Reviews
-6 loans had Value Reconciliation Reviews

 

Clayton did have independent access to all Desktop, Reconciliations and Field Reviews for 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.

 

The scope of the compliance review performed is summarized below:

  

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§Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;
§Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;
§Truth-in-lending/regulation Z (TILA) testing included the following:
-Notice of Right to Cancel (Right of Rescission) adherence if applicable;
-TIL Disclosure Timing (3/7/3) and disclosure content;
-TIL APR and Finance charge tolerances;
-Timeliness of ARM Disclosures (if applicable);
-Section 32 APR and Points and Fees Thresholds and prohibited practices;
-Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;
-Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling;
-Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower’s ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q.  Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

oThe ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan’s undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point.
  Clayton evaluated the lender’s exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point.

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

 

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

 

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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.

 

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

 

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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

 

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
Appraisal Form Type 18 96.38%
Cash Reserves 35 0.00%
Combined Loan to Value 12 97.59%
Debt to Income Ratio (Back) 16 96.78%
First Time Home Buyer 4 99.20%
Original Appraised Value 4 99.20%
Original Loan to Value 1 99.80%
Property Type 4 99.20%
Sales Price 12 97.59%
Self- Employment Flag 2 99.60%

 

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

 

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Clayton Due Diligence Results

 

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

 

Initial and Final Overall Loan Grade Results

 

  Overall Grade Migration
  Initial
Final   A B C D Total
A 432   14 20 466
B   26 4   30
C     1   1
D         0
Total 432 26 19 20 497

 

 

*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 460   4 15 479
B   18     18
C         0
D         0
Total 460 18 4 15 497

 

Initial and Final Property Valuation Grade Results

 

  Property Valuation Grade Migration
  Initial
Final   A B C D Total
A 494   2   496
B         0
C     1   1
D         0
Total 494 0 3 0 497

 

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Initial and Final Regulatory Compliance Grade Results

 

  Compliance Grade Migration
  Initial
Final   A B C D Total
A 459   10 15 484
B   9 4   13
C         0
D         0
Total 459 9 14 15 497

 

 

Clayton Third Party Reports Delivered

 

Clayton furnished the following reports on this transaction:

 

1.        Narrative Report

 

2.        Conditions Report

 

3.        Loan Level Tape Compare Upload

 

4.        Valuations Summary Reports

 

5.        ATR/QM Data Fields Report

 

6.       Waived Conditions Summary

 

8.       ASF Upload

 

9.       Attestation Forms

 

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Appendix A: Credit Review Scope

 

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

 

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

 

oDTI

 

oLTV/TLTV/HLTV

 

oCredit score

 

oIncome and employment

 

oAssets and reserves

 

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

 

oBorrower eligibility, including:

 

-Citizenship status

 

-Non- occupant co-borrower

 

oTransaction eligibility, including:

 

-Maximum loan amount

 

-Loan purpose

 

-Occupancy

 

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

 

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

 

oUniform Residential Loan Application reviewed to determine:

 

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

 

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

 

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

 

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

 

-Income documentation

 

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

 

-CPA letter

 

-Business licenses

 

-Tax transcripts (IRS Form 4506-T)

 

-Other documentation in loan file

 

oIncome review included:

 

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

 

-Documents did not appear to have been altered or inconsistent

 

-IRS Form 4506-T

 

§Signed by all borrowers and processed by the originator

 

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

 

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

 

§Tax returns

 

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§Financial statements

 

§Paystubs

 

§W-2s

 

§1099

 

§IRS documents

 

§Bank statements

 

§Lease agreements

 

§Award letters

 

§Other documentation in loan file

  

oAsset review included:

 

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

 

§Verification of deposits (VOD)

 

§Depository account statements

 

§Stock or security account statements

 

§Gift funds

 

§Settlements statements

 

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

 

§Other documentation in loan file

 

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

 

oCredit Report review included:

 

-Complete copy of report was in loan file

 

-Report was dated within required timeframe

 

-All borrowers were included in the report

 

-Checked any fraud alerts against related loan file documentation

 

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

 

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

 

-Captured and utilized appropriate credit score for guideline review

 

oTitle policy review included:

 

-Title interest – determined if

 

§Fee simple

 

§Leasehold estate

 

-Appropriate vestee(s) were listed on title policy

 

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

 

-Applicable title endorsements were present

 

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

 

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

 

-Captured monthly tax payments in debt ratio calculation

 

oHUD1 (Settlement Statement) review included:

 

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

 

-Seller contributions did not exceed maximum allowed

 

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

 

-Disbursements and pay-offs included in debt ratio calculations

 

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-Loan purpose confirmed

 

oHazard/Flood insurance review included:

 

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

 

-Confirmed that any required insurance was for the:

 

§Correct borrower

 

§Correct property

 

§Correct lender

 

§Correct loan number

 

§Life of loan, if flood insurance required

 

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

 

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

 

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

 

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

 

oMortgage Insurance review included:

 

-Determined if mortgage insurance is required

 

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

 

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

 

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

 

oBorrower identity

 

-Social Security inconsistencies

 

-Borrower name variations

 

oOccupancy

 

-Borrower address history

 

-Subject property ownership history

 

oEmployment

 

oLicensing – reviewed NMLS data for:

 

-Mortgage lender/originator

 

-Loan officer

 

oOFAC

 

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Appendix B: Origination Appraisal Assessment

 

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

 

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

  

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

 

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

 

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

 

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

 

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

 

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

 

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

 

oAppraisal report was reasonably complete and included:

 

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

 

-Accurate identification of the subject property

 

-Accurate identification of the subject loan transaction

 

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

 

-All required attachments including:

 

§Subject front, rear and street photos and valued features

 

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

 

§Photos of all comparable sales and listings

 

§Location map

 

§Exterior sketch of property with dimensions

 

§1004MC Market Conditions Report

 

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

 

-Appraisal date met supplied Sponsor Acquisition Criteria

 

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

 

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

 

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oTitle XI of FIRREA:

 

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

 

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

 

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

 

oUSPAP

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

-Property usage was reviewed for zoning compliance

 

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

 

-Neighborhood values were reviewed to determine if declining

 

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

 

§Location

 

§% built up

 

§Growth rate

 

§Demand/supply

 

§Marketing time

 

§Predominant occupancy

 

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

 

-Style of property was reviewed to determine if unique property

 

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

 

-Locational and/or environmental concerns adequately addressed if present

 

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

 

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

 

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

 

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

 

F.Disclaimer

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

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

 

G.Desk Review definitions

 

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

 

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

 

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Appendix C: Regulatory Compliance Review Scope

 

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

 

Federal Law

 

A.RESPA and Regulation X: Loan level analysis on the following, on loans where applicable.
oAffiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm the disclosure was provided to the borrower
oHomeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within 3 days of application
B.Truth in Lending Act and Regulation Z - Loan level analysis on the following, on loans where applicable.
oTIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.
oMortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after July 30, 2009 (Section 19)
oARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs identified within the loan file
oRight of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the loan disbursement (Section 23)
oHigh Cost mortgage thresholds for points and fees (Section 32)
oHigh Cost Prohibited Acts and Practices upon request (Section 33)
oHigher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)
oProhibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)

 

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

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

 

§Timing Requirements:

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

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

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

§Fee Tolerances:

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

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

§Payment Schedule Accuracy:

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

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

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

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

§Accuracy of the Loan Calculations

·Amount Financed

·Finance Charge

·Total of Payments

·Total interest percentage

§Technical Requirements

·Compliance with the TRID rounding rules.

·Compliance with specified formatting requirements.

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

·Alphabetization of fees.

·Title fees preceded by “Title –.”

 

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

§Consistency within and across forms

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

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

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

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

§Completion of the LE and CD

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

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

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

§Waivers

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

§Corrected CD requiring a new waiting period

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

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

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

§Post-Close CD’s

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

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

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

§Related Documentation

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

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

·Affiliated Business Disclosure (can impact fee tolerances)

§Outside of Clayton’s default TRID scope:

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

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

 

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·Accuracy of the Aggregate Adjustment amount.

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

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

 

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

 

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

 

 

STATE, COUNTY and MUNICIPAL LAW

 

A.Higher-Priced

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

 

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

 

B.State/Local High Cost

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

 

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

Vermont

(High Rate, High Point law)

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

Ohio, including

Cleveland Heights ordinance

 

 

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State/Local High Cost
Kentucky Oklahoma  

 

C.Anti-Predatory

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

 

·Minnesota (Mortgage Originator and Service Licensing Act)
·Puerto Rico (Office Regulation 5722)
·Texas (Texas Finance Code)
·West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

 

D.Borrower’s Interest

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

 

Borrower’s Interest
Maine Ohio South Carolina
Massachusetts Rhode Island  

 

E.Consumer Protection

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

 

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

 

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

 

F.Texas Equity

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

 

GSE Testing

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

 

Disclaimer

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

 

 

 

 

 

 

© 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 2020-5 Due Diligence Narrative ReportPage | 21September 4, 2020

EX-99.2 3 tm2031812d1_ex99-2.htm CLAYTON LOAN LEVEL TAPE COMPARE

 

Exhibit 99.2

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-5
Start - End Dates: 12.2019 TO 8.2020
Deal Loan Count: 497
   
       
Loan Level Tape Compare Upload  
       
Loans in Report 497

 

Alt Loan ID Borrower Last Name Field Name Tape Data Reviewer Data
0989559892 XXXXXX Cash Reserves 381997.22 371147.36
0138895538 XXXXXX Cash Reserves 184218.96 185533.63
0930346800 XXXXXX Appraisal Form Type 1004 SFR (Mar 05) 2055 Ext Only (Mar 05)
0930346800 XXXXXX Cash Reserves 387529.37 395477.90
0930346800 XXXXXX Self Employed Flag No Yes
0801064116 XXXXXX Cash Reserves 398123.77 369308.50
0576750534 XXXXXX Cash Reserves 310290.10 315097.53
0977588995 XXXXXX Cash Reserves 354148.27 403704.91
0661166719 XXXXXX Cash Reserves 545020.22 542430.42
0027754822 XXXXXX Cash Reserves 277973.30 152825.45
0202129463 XXXXXX Cash Reserves 293717.35 307580.58
0583091889 XXXXXX Cash Reserves 102128.27 99368.39
0798650653 XXXXXX Cash Reserves 134423.57 154398.56
0043094472 XXXXXX Cash Reserves 213007.89 213575.35
0604615653 XXXXXX Cash Reserves 86698.46 87393.46
0938549248 XXXXXX Cash Reserves 1900442.97 1503431.49
0911348662 XXXXXX Cash Reserves 534294.50 541604.83
0902810032 XXXXXX Cash Reserves 282250.03 289339.08
0695825083 XXXXXX Cash Reserves 623737.91 624153.56
0695825083 XXXXXX Original Appraised Value XXXXXX XXXXXX
0691226842 XXXXXX Cash Reserves 389620.67 389796.00
0134540654 XXXXXX Cash Reserves 319553.93 320038.22
0262565781 XXXXXX Combined LTV 74.86 51.64
0172102535 XXXXXX Cash Reserves 459817.20 468727.06
0172102535 XXXXXX Debt to Income Ratio (Back) 24.5900 26.7929
0729153439 XXXXXX Cash Reserves 493862.70 485440.86
0911099746 XXXXXX Cash Reserves 203255.62 216763.20
0350001047 XXXXXX Cash Reserves 509900.84 507995.61
0350001047 XXXXXX Debt to Income Ratio (Back) 30.4900 35.5286
0763570031 XXXXXX Cash Reserves 334248.22 336507.69
0234789318 XXXXXX Cash Reserves 554017.30 555218.30
0464139345 XXXXXX Cash Reserves 1452912.95 1385725.84
0356436664 XXXXXX Cash Reserves 270000.34 247860.08
0802570979 XXXXXX Cash Reserves 1015419.75 1016557.32
0790983577 XXXXXX Cash Reserves 645325.24 646023.09
0331809052 XXXXXX Cash Reserves 240564.57 252389.63
0610066876 XXXXXX Cash Reserves 118048.33 118383.13
0844803837 XXXXXX Cash Reserves 364910.57 365447.63
0844803837 XXXXXX Original Appraised Value XXXXXX XXXXXX
0888662905 XXXXXX Cash Reserves 306976.41 307542.84
0353191680 XXXXXX Cash Reserves 1097938.88 1718482.33
0338260479 XXXXXX Cash Reserves 655950.21 728374.93
0755148886 XXXXXX Property Type SFR-Attached Detached PUD
0650506200 XXXXXX Property Type SFR SFR-Attached
0650506200 XXXXXX Sales Price XXXXXX XXXXXX
0940801201 XXXXXX Sales Price XXXXXX XXXXXX
0068350309 XXXXXX First Time Home Buyer Yes No
0276605721 XXXXXX Debt to Income Ratio (Back) 25.8200 23.3053
0276605721 XXXXXX First Time Home Buyer Yes No
0941027510 XXXXXX Appraisal Form Type 2055 Ext Only (Mar 05) 1004 SFR (Mar 05)
0951145322 XXXXXX Property Type Detached PUD SFR
0549121898 XXXXXX Appraisal Form Type 2055 Ext Only (Mar 05) 1073 Condo (Mar 05)
0083134983 XXXXXX Appraisal Form Type 1004 SFR (Mar 05) 2055 Ext Only (Mar 05)
0223763003 XXXXXX Sales Price XXXXXX XXXXXX
0619370106 XXXXXX First Time Home Buyer No Yes
0975382897 XXXXXX Property Type SFR Detached PUD
0557215627 XXXXXX Appraisal Form Type 1004 SFR (Mar 05) 2055 Ext Only (Mar 05)
0888134155 XXXXXX Appraisal Form Type 1004 SFR (Mar 05) 2055 Ext Only (Mar 05)
0955505892 XXXXXX Debt to Income Ratio (Back) 40.2600 42.6310
0627604858 XXXXXX Self Employed Flag No Yes
0012825112 XXXXXX Sales Price XXXXXX XXXXXX
0160805595 XXXXXX Sales Price XXXXXX XXXXXX
0816593315 XXXXXX Appraisal Form Type 1004 SFR (Mar 05) 2055 Ext Only (Mar 05)
0042771531 XXXXXX Sales Price XXXXXX XXXXXX
0031110663 XXXXXX Appraisal Form Type 1004 SFR (Mar 05) 2055 Ext Only (Mar 05)
0859339038 XXXXXX Combined LTV 61.15 59.86
0859339038 XXXXXX Original LTV 61.15 59.86
0859339038 XXXXXX Sales Price XXXXXX XXXXXX
0150859989 XXXXXX Sales Price XXXXXX XXXXXX
0133938555 XXXXXX First Time Home Buyer Yes No
#N/A XXXXXX Original Appraised Value XXXXXX XXXXXX
0707139484 XXXXXX Debt to Income Ratio (Back) 20.2500 38.3361
0498048106 XXXXXX Appraisal Form Type 2055 Ext Only (Mar 05) 1004 SFR (Mar 05)
0498048106 XXXXXX Debt to Income Ratio (Back) 23.8000 20.3754
0635473695 XXXXXX Debt to Income Ratio (Back) 39.5500 23.3427
0498878852 XXXXXX Appraisal Form Type 1004 SFR (Mar 05) 2055 Ext Only (Mar 05)
0171569977 XXXXXX Sales Price XXXXXX XXXXXX
0655929888 XXXXXX Debt to Income Ratio (Back) 22.1500 36.5540
0853303055 XXXXXX Debt to Income Ratio (Back) 22.9800 34.6770
0908829049 XXXXXX Appraisal Form Type 1004 SFR (Mar 05) 2055 Ext Only (Mar 05)
0641506424 XXXXXX Sales Price XXXXXX XXXXXX
0481627096 XXXXXX Appraisal Form Type 1004 SFR (Mar 05) 2055 Ext Only (Mar 05)
0384278169 XXXXXX Combined LTV 72.54 60.49
0993695962 XXXXXX Debt to Income Ratio (Back) 25.9900 33.9419
0312267274 XXXXXX Debt to Income Ratio (Back) 17.1600 19.4542
0131015511 XXXXXX Debt to Income Ratio (Back) 26.1800 22.3327
0813559754 XXXXXX Appraisal Form Type 1004 SFR (Mar 05) 2055 Ext Only (Mar 05)
0312186098 XXXXXX Combined LTV 68.52 63.66
0473508077 XXXXXX Combined LTV 75.39 64.67
0593750468 XXXXXX Combined LTV 52.25 44.25
0081533443 XXXXXX Appraisal Form Type 1004 SFR (Mar 05) 2055 Ext Only (Mar 05)
0983899404 XXXXXX Combined LTV 35.86 30.40
0983899404 XXXXXX Debt to Income Ratio (Back) 17.3400 19.4082
0379428603 XXXXXX Appraisal Form Type 1004 SFR (Mar 05) 2055 Ext Only (Mar 05)
0431691596 XXXXXX Debt to Income Ratio (Back) 24.9400 22.2125
0963219080 XXXXXX Appraisal Form Type 1004 SFR (Mar 05) 2055 Ext Only (Mar 05)
0663811305 XXXXXX Combined LTV 57.50 49.17
0267452614 XXXXXX Appraisal Form Type 1004 SFR (Mar 05) 2095 Ext Only Cooperative
0248003834 XXXXXX Combined LTV 66.29 60.64
0394419552 XXXXXX Sales Price XXXXXX XXXXXX
0810831453 XXXXXX Original Appraised Value XXXXXX XXXXXX
0165873393 XXXXXX Sales Price XXXXXX XXXXXX
0535708673 XXXXXX Combined LTV 53.18 46.79
0093567550 XXXXXX Debt to Income Ratio (Back) 26.3400 33.0976
0714272167 XXXXXX Combined LTV 69.37 57.51
0166311542 XXXXXX Debt to Income Ratio (Back) 24.2600 34.2858
0224787836 XXXXXX Combined LTV 42.60 34.32
0087079366 XXXXXX Appraisal Form Type 2055 Ext Only (Mar 05) 1004 SFR (Mar 05)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

EX-99.3 4 tm2031812d1_ex99-3.htm CLAYTON RATING AGENCY ATR QM DATA FIELDS

 

Exhibit 99.3

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-5
Start - End Dates: 12.2019 TO 8.2020
Deal Loan Count: 497
   
       
Rating Agency ATR QM Data Fields
       
Loans in Report:  497

 

Alt Loan ID Loan Level ATR/QM Status Application Date Prior to 1/10/2014 TRID Indicator Lender Application Date Broker Application Date GSE Eligible QRM Flag
0989559892 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0138895538 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0930346800 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0801064116 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0576750534 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0977588995 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0661166719 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0027754822 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0202129463 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0583091889 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0798650653 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0043094472 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0604615653 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0938549248 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0911348662 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0902810032 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0695825083 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0691226842 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0134540654 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0262565781 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0172102535 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0729153439 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0911099746 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0350001047 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0213490791 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0763570031 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0234789318 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0464139345 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0356436664 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0802570979 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0790983577 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0331809052 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0610066876 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0844803837 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0888662905 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0353191680 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0338260479 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0437258065 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0135334168 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0755148886 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0050449033 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0705438794 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0800502645 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0650506200 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0591919625 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0559590476 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0102082589 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0399386242 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0854533661 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0047759133 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0645420759 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0746604537 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0336704743 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0940801201 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0317663639 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0147704935 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0167511513 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0820577794 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0068350309 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0829724025 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0783159008 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0501785587 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0276605721 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0110883483 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0979650819 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0941027510 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0805840121 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0894886858 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0889661042 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0688514980 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0589653309 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0512057299 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0717807495 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0916702482 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0076295465 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0951145322 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0967360890 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0249271958 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0657156521 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0842057111 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0972362160 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0336751762 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0549121898 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0883771089 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0908902903 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0908349057 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0466446164 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0049608561 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0924177369 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0575771080 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0083134983 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0529327719 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0420380621 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0863486295 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0835619778 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0151427407 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0512298226 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0592054167 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0157476532 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0686444542 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0223763003 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0340006234 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0765715424 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0144754849 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0507890863 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0619370106 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0681239646 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0975382897 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0427546599 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0541846382 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0557215627 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0767536451 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0229532881 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0330130341 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0393404205 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0243700276 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0211507519 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0593597731 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0824597255 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0152477270 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0617386511 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0271765126 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0315630716 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0267572469 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0393925198 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0902968480 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0336214054 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0888134155 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0855254554 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0735665344 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0299768337 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0468358296 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0869490873 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0704643411 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0955505892 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0998097884 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0824256616 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0494500301 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0923368444 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0072121700 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0588763561 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0365530848 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0387275117 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0420339769 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0467160944 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0539743860 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0534338092 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0627604858 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0753650918 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0743597901 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0782717819 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0090997904 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0924294069 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0226888709 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0012825112 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0308520016 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0135303608 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0688892413 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0427664424 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0869042615 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0830258685 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0600281900 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0288333312 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0072967530 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0581334006 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0296899056 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0812480341 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0030803564 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0992745387 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0263676094 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0794863072 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0455347097 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0060223626 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0603795050 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0393821377 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0032308265 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0173011766 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0160805595 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0164169124 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0321682861 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0266332566 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0923174486 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0448045178 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0022196177 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0417818039 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0237859061 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0160708658 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0720796530 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0477679524 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0744499361 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0975573299 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0843927182 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0775509339 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0749205092 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0816593315 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0535167466 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0986529188 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0413212740 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0923078250 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0259008881 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0645299722 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0498172094 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0901376930 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0042771531 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0781622595 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0031110663 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0483773242 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0098944585 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0025870633 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0655475927 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0181741021 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0850369105 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0575789424 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0729802768 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0864403324 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0650893622 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0565425587 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0305255025 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0537128109 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0073212779 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0359158284 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0280985754 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0087507151 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0867809857 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0481250894 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0189235461 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0343669753 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0961386015 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0859339038 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0222048694 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0150859989 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0068334099 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0215045432 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0369212685 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0227560373 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0063703620 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0839053422 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0998683185 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0357786446 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0363896441 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0133938555 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0715819827 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0568261939 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0965334319 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0352713344 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0966454336 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0358557373 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0001442055 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0516730458 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0556210574 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0083754076 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0511638147 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0470845533 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0845113102 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0909799015 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0954146301 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0301448136 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0319401242 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0041594573 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0172165607 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0908976681 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0240597962 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0903520123 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0782930932 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0203802152 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0800890714 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0481098853 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0004919861 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0891521076 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0595336838 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0501051732 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0455606617 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0746575679 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0649420457 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0648759196 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0900495366 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0808367638 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0838672433 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0635074062 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0471622594 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0945610940 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0863192131 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0259971862 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0409719200 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0127493789 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0318458926 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0643005829 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0628792308 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0062463718 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0052669848 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0669124532 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0168918329 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0769257041 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0258703215 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0517855345 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0309196218 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0048994182 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0738586526 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0053710878 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0825011780 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0506422525 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0861021130 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0979923763 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0837623139 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0759561368 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0474592069 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0605906999 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0861695041 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0750667513 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0095525438 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0029264920 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0019537061 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0949091765 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0752727842 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0809909838 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0862687034 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0739437895 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0972681508 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0391394779 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0278309532 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0551384264 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0889799209 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0939621352 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0862681616 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0488572485 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0522380796 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0459057085 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0325556072 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0661663742 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0052080528 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0707139484 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0159110748 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0074332767 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0632889358 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0139809996 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0697553452 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0993638557 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0802433600 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0897391047 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0674283670 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0498048106 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0236599301 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0033741212 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0912854435 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0119533286 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0145282348 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0897857613 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0184615918 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0469198638 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0293495899 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0635473695 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0735642413 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0498878852 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0227320863 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0171569977 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0851028019 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0946319222 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0516136877 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0655929888 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0898932781 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0799073100 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0853303055 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0563172167 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0137339114 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0908829049 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0284969421 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0451040857 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0064696048 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0714739945 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0346467100 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0088694095 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0283839238 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0072023459 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0451328679 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0374780613 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0361654718 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0779867278 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0641506424 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0088803259 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0948876575 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0832370919 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0251778131 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0481627096 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0384278169 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0976987733 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0127753940 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0259354512 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0247598502 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0863356847 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0993695962 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0312267274 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0347012631 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0949430545 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0302055195 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0447708412 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0747876903 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0298450897 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0131015511 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0906124295 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0392936467 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0523661468 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0818523045 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0813559754 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0019693597 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0723725595 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0312186098 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0889286925 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0270514570 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0295154142 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0473508077 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0444967678 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0603616407 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0506388631 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0894361429 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0418620572 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0593750468 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0809704197 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0081533443 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0983899404 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0023717246 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0467073301 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0568406549 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0349446312 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0277431477 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0179476000 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0756149207 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0496547413 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0650027202 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0020255917 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0379428603 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0431691596 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0963219080 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0284486263 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0220866614 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0154347834 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0663811305 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0250295430 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0611409279 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0351542285 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0140924596 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0593007347 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0327241907 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0630130749 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0267452614 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0032521023 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0483504885 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0594193861 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0647534571 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0047160022 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0248003834 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0559042113 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0578003446 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0776112418 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0394419552 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0066409759 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0246267980 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0136744927 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0810831453 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0922712899 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0989619385 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0284474809 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0182212932 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0165873393 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0257396349 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0401012357 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0358054399 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0922512350 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0721986455 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0224364000 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0931169899 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0835118606 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0535708673 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0233545185 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0870664258 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0093567550 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0946795954 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0714272167 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0332962239 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0139540128 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0603795009 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0517537840 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0879869880 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0015283393 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0802840762 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0166311542 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0307492802 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0407658248 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0306727754 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0540193985 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0248166622 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0349428232 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0224787836 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0582013272 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0417719550 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0087079366 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0581558893 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes
0137434468 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes

 

Alt Loan ID ATR/QM Total Points and Fees Rate Lock Date APR Bwr 1 Employment Indicator Bwr 2 Employment Indicator Bwr 1 Foreign National Indicator Bwr 2 Foreign National Indicator
0989559892 0 XXXXXX 2.9998 Employed Employed U.S. Citizen U.S. Citizen
0138895538 0 XXXXXX 3.2546 Employed Employed U.S. Citizen U.S. Citizen
0930346800 947.5 XXXXXX 3.6578 Employed Unemployed U.S. Citizen U.S. Citizen
0801064116 0 XXXXXX 3.1274 Employed Employed U.S. Citizen U.S. Citizen
0576750534 0 XXXXXX 3.2555 Employed (No Data) U.S. Citizen (No Data)
0977588995 1075 XXXXXX 3.2844 Employed Employed U.S. Citizen U.S. Citizen
0661166719 0 XXXXXX 3.2501 Employed Unemployed U.S. Citizen U.S. Citizen
0027754822 0 XXXXXX 3.1236 Employed Employed U.S. Citizen U.S. Citizen
0202129463 0 XXXXXX 2.3745 Employed Employed U.S. Citizen U.S. Citizen
0583091889 0 XXXXXX 3.5 Employed (No Data) U.S. Citizen (No Data)
0798650653 3581.04 XXXXXX 2.9212 Employed (No Data) U.S. Citizen (No Data)
0043094472 5760.5 XXXXXX 2.794 Employed Employed U.S. Citizen U.S. Citizen
0604615653 0 XXXXXX 3.4997 Employed Unemployed U.S. Citizen U.S. Citizen
0938549248 0 XXXXXX 3.2494 Employed Employed U.S. Citizen U.S. Citizen
0911348662 0 XXXXXX 3 Employed Employed U.S. Citizen U.S. Citizen
0902810032 105 XXXXXX 3.5011 Employed (No Data) U.S. Citizen (No Data)
0695825083 4122.5 XXXXXX 3.1598 Employed Employed U.S. Citizen U.S. Citizen
0691226842 0 XXXXXX 3.1209 Employed Employed U.S. Citizen U.S. Citizen
0134540654 9601.88 XXXXXX 3.3428 Employed (No Data) U.S. Citizen (No Data)
0262565781 0 XXXXXX 3.3699 Employed Employed U.S. Citizen U.S. Citizen
0172102535 0 XXXXXX 3.2498 Employed Employed Permanent Resident Alien Permanent Resident Alien
0729153439 0 XXXXXX 3.276 Employed (No Data) U.S. Citizen (No Data)
0911099746 1425 XXXXXX 3.4112 Employed Employed U.S. Citizen U.S. Citizen
0350001047 0 XXXXXX 3.4883 Employed Employed U.S. Citizen U.S. Citizen
0213490791 0 XXXXXX 3.2377 Unemployed Employed U.S. Citizen U.S. Citizen
0763570031 0 XXXXXX 3.375 Employed (No Data) U.S. Citizen (No Data)
0234789318 1555 XXXXXX 3.5216 Employed Unemployed U.S. Citizen U.S. Citizen
0464139345 0 XXXXXX 2.7499 Employed Employed U.S. Citizen U.S. Citizen
0356436664 1275 XXXXXX 3.0169 Employed Employed U.S. Citizen U.S. Citizen
0802570979 2588.13 XXXXXX 3.0289 Employed Unemployed U.S. Citizen U.S. Citizen
0790983577 0 XXXXXX 3.5 Employed Employed U.S. Citizen U.S. Citizen
0331809052 0 XXXXXX 3.5 Employed Employed U.S. Citizen U.S. Citizen
0610066876 1389 XXXXXX 3.278 Employed (No Data) Non-Permanent Resident Alien (No Data)
0844803837 0 XXXXXX 3.2499 Employed Employed U.S. Citizen U.S. Citizen
0888662905 3033.41 XXXXXX 3.0233 Employed Employed U.S. Citizen Non-Permanent Resident Alien
0353191680 1455 XXXXXX 3.15 Employed Employed U.S. Citizen U.S. Citizen
0338260479 0 XXXXXX 2.872 Employed Employed U.S. Citizen U.S. Citizen
0437258065 1005 XXXXXX 3.3989 Employed Employed U.S. Citizen U.S. Citizen
0135334168 748.75 XXXXXX 3.5178 Employed Employed U.S. Citizen U.S. Citizen
0755148886 1770 XXXXXX 3.2673 Employed Employed U.S. Citizen U.S. Citizen
0050449033 0 XXXXXX 3.3748 Employed Employed U.S. Citizen U.S. Citizen
0705438794 850 XXXXXX 2.5029 Employed Unemployed U.S. Citizen U.S. Citizen
0800502645 0 XXXXXX 3.1347 Employed (No Data) Non-Permanent Resident Alien (No Data)
0650506200 0 XXXXXX 2.8744 Employed Employed U.S. Citizen U.S. Citizen
0591919625 0 XXXXXX 3.2465 Employed Employed U.S. Citizen U.S. Citizen
0559590476 0 XXXXXX 3.1248 Employed Employed U.S. Citizen U.S. Citizen
0102082589 1405 XXXXXX 2.8926 Employed Employed U.S. Citizen U.S. Citizen
0399386242 1275 XXXXXX 3.0238 Employed (No Data) U.S. Citizen (No Data)
0854533661 565 XXXXXX 3.1352 Employed (No Data) U.S. Citizen (No Data)
0047759133 679.57 XXXXXX 3.2501 Employed Employed U.S. Citizen U.S. Citizen
0645420759 0 XXXXXX 3.375 Employed Employed U.S. Citizen U.S. Citizen
0746604537 5470 XXXXXX 3.0637 Employed Employed U.S. Citizen U.S. Citizen
0336704743 0 XXXXXX 2.8948 Employed (No Data) U.S. Citizen (No Data)
0940801201 51.98 XXXXXX 3.1311 Employed Employed Non-Permanent Resident Alien Non-Permanent Resident Alien
0317663639 0 XXXXXX 3.3944 Employed Employed U.S. Citizen U.S. Citizen
0147704935 0 XXXXXX 3 Employed Employed U.S. Citizen U.S. Citizen
0167511513 0 XXXXXX 2.9949 Employed Employed U.S. Citizen U.S. Citizen
0820577794 1585 XXXXXX 3.292 Employed Employed U.S. Citizen U.S. Citizen
0068350309 1580 XXXXXX 2.9032 Employed Employed Permanent Resident Alien Permanent Resident Alien
0829724025 0 XXXXXX 3.375 Employed Unemployed U.S. Citizen U.S. Citizen
0783159008 0 XXXXXX 3.4998 Employed Employed U.S. Citizen U.S. Citizen
0501785587 0 XXXXXX 3.1127 Employed Employed U.S. Citizen U.S. Citizen
0276605721 397.25 XXXXXX 3.5 Employed Employed U.S. Citizen U.S. Citizen
0110883483 578 XXXXXX 3.1298 Employed Employed U.S. Citizen U.S. Citizen
0979650819 0 XXXXXX 2.7639 Employed Employed Non-Permanent Resident Alien Non-Permanent Resident Alien
0941027510 1655 XXXXXX 3.2926 Employed (No Data) U.S. Citizen (No Data)
0805840121 0 XXXXXX 3.2466 Employed (No Data) U.S. Citizen (No Data)
0894886858 2130 XXXXXX 3.0009 Employed (No Data) U.S. Citizen (No Data)
0889661042 1405 XXXXXX 3.2637 Employed Employed U.S. Citizen U.S. Citizen
0688514980 0 XXXXXX 3.5012 Employed Employed U.S. Citizen U.S. Citizen
0589653309 189.3 XXXXXX 3.1536 Employed Unemployed U.S. Citizen U.S. Citizen
0512057299 0 XXXXXX 3.1249 Employed Employed U.S. Citizen U.S. Citizen
0717807495 1330 XXXXXX 3.3872 Employed Employed U.S. Citizen U.S. Citizen
0916702482 0 XXXXXX 3.3802 Employed (No Data) U.S. Citizen (No Data)
0076295465 1275 XXXXXX 3.2708 Employed Unemployed U.S. Citizen U.S. Citizen
0951145322 2490 XXXXXX 3.403 Employed Employed U.S. Citizen U.S. Citizen
0967360890 3237.5 XXXXXX 3.1992 Employed (No Data) U.S. Citizen (No Data)
0249271958 0 XXXXXX 3.1249 Employed Unemployed U.S. Citizen U.S. Citizen
0657156521 1024.82 XXXXXX 3.4038 Employed Employed U.S. Citizen U.S. Citizen
0842057111 0 XXXXXX 3.5 Employed (No Data) U.S. Citizen (No Data)
0972362160 0 XXXXXX 3.6247 Employed Unemployed U.S. Citizen U.S. Citizen
0336751762 678.54 XXXXXX 2.8819 Employed Employed U.S. Citizen U.S. Citizen
0549121898 1700 XXXXXX 2.875 Employed (No Data) Permanent Resident Alien (No Data)
0883771089 0 XXXXXX 3.2537 Employed Employed U.S. Citizen U.S. Citizen
0908902903 1580 XXXXXX 3.2791 Employed Employed U.S. Citizen U.S. Citizen
0908349057 0 XXXXXX 3.3749 Employed (No Data) U.S. Citizen (No Data)
0466446164 1305 XXXXXX 3.3999 Employed Employed U.S. Citizen U.S. Citizen
0049608561 1580 XXXXXX 3.0203 Employed Employed Non-Resident Alien U.S. Citizen
0924177369 1530 XXXXXX 3.2847 Employed Employed U.S. Citizen U.S. Citizen
0575771080 1330 XXXXXX 3.0312 Employed Employed U.S. Citizen U.S. Citizen
0083134983 1805 XXXXXX 3.4 Employed Employed U.S. Citizen U.S. Citizen
0529327719 0 XXXXXX 3.3742 Unemployed Employed U.S. Citizen U.S. Citizen
0420380621 3480 XXXXXX 3.0188 Employed Employed Non-Permanent Resident Alien Non-Permanent Resident Alien
0863486295 1580 XXXXXX 3.0077 Employed Employed U.S. Citizen U.S. Citizen
0835619778 2005 XXXXXX 3.2716 Employed Employed U.S. Citizen U.S. Citizen
0151427407 0 XXXXXX 3.625 Employed Employed U.S. Citizen U.S. Citizen
0512298226 795 XXXXXX 3.3993 Employed (No Data) U.S. Citizen (No Data)
0592054167 2475 XXXXXX 3.2696 Employed (No Data) U.S. Citizen (No Data)
0157476532 0 XXXXXX 3.375 Employed (No Data) Non-Permanent Resident Alien (No Data)
0686444542 0 XXXXXX 3.375 Employed (No Data) U.S. Citizen (No Data)
0223763003 0 XXXXXX 3.1249 Employed Employed U.S. Citizen Permanent Resident Alien
0340006234 1530 XXXXXX 3.1383 Employed Employed U.S. Citizen Permanent Resident Alien
0765715424 78.43 XXXXXX 3.2508 Employed (No Data) U.S. Citizen (No Data)
0144754849 679.57 XXXXXX 3.3742 Employed Employed Permanent Resident Alien Permanent Resident Alien
0507890863 0 XXXXXX 3.4976 Employed Employed U.S. Citizen U.S. Citizen
0619370106 0 XXXXXX 3.0158 Employed Employed U.S. Citizen U.S. Citizen
0681239646 0 XXXXXX 3.2499 Employed Unemployed U.S. Citizen U.S. Citizen
0975382897 1530 XXXXXX 3.5149 Employed Employed U.S. Citizen U.S. Citizen
0427546599 0 XXXXXX 3.1249 Employed Unemployed Permanent Resident Alien U.S. Citizen
0541846382 0 XXXXXX 3.3789 Employed Employed U.S. Citizen U.S. Citizen
0557215627 302 XXXXXX 3.3852 Employed (No Data) U.S. Citizen (No Data)
0767536451 1905 XXXXXX 3.1439 Employed Employed U.S. Citizen U.S. Citizen
0229532881 5400 XXXXXX 3.5633 Employed Employed U.S. Citizen U.S. Citizen
0330130341 0 XXXXXX 3.1249 Employed Employed U.S. Citizen U.S. Citizen
0393404205 0 XXXXXX 3.2528 Employed Employed U.S. Citizen U.S. Citizen
0243700276 2228 XXXXXX 3.3852 Employed (No Data) U.S. Citizen (No Data)
0211507519 1530 XXXXXX 3.1463 Employed Unemployed U.S. Citizen U.S. Citizen
0593597731 1080 XXXXXX 3.2779 Employed Unemployed U.S. Citizen U.S. Citizen
0824597255 1580 XXXXXX 3.2822 Employed Employed U.S. Citizen U.S. Citizen
0152477270 0 XXXXXX 3.3623 Employed Employed U.S. Citizen U.S. Citizen
0617386511 200 XXXXXX 3.1447 Employed Employed Non-Permanent Resident Alien U.S. Citizen
0271765126 1505 XXXXXX 3.146 Employed Employed U.S. Citizen U.S. Citizen
0315630716 2947.38 XXXXXX 2.7774 Employed (No Data) U.S. Citizen (No Data)
0267572469 0 XXXXXX 3.1512 Employed Employed U.S. Citizen U.S. Citizen
0393925198 698 XXXXXX 2.7489 Employed Employed Non-Permanent Resident Alien Non-Permanent Resident Alien
0902968480 0 XXXXXX 2.7515 Employed Employed U.S. Citizen U.S. Citizen
0336214054 0 XXXXXX 3.2498 Employed Employed U.S. Citizen U.S. Citizen
0888134155 455 XXXXXX 3.2611 Employed (No Data) U.S. Citizen (No Data)
0855254554 0 XXXXXX 3.504 Employed Employed U.S. Citizen U.S. Citizen
0735665344 0 XXXXXX 3.2501 Employed Unemployed Non-Permanent Resident Alien Non-Permanent Resident Alien
0299768337 0 XXXXXX 3.2599 Employed (No Data) U.S. Citizen (No Data)
0468358296 0 XXXXXX 3.1243 Employed Employed Permanent Resident Alien U.S. Citizen
0869490873 1580 XXXXXX 3.153 Employed Employed U.S. Citizen U.S. Citizen
0704643411 2930 XXXXXX 2.9061 Employed (No Data) U.S. Citizen (No Data)
0955505892 0 XXXXXX 3.5079 Employed (No Data) U.S. Citizen (No Data)
0998097884 2575 XXXXXX 3.2852 Employed Unemployed U.S. Citizen U.S. Citizen
0824256616 7455 XXXXXX 2.8336 Employed (No Data) U.S. Citizen (No Data)
0494500301 1455 XXXXXX 3.1522 Employed (No Data) U.S. Citizen (No Data)
0923368444 5030 XXXXXX 3.3106 Employed Employed U.S. Citizen U.S. Citizen
0072121700 2033 XXXXXX 3.3919 Employed Employed U.S. Citizen U.S. Citizen
0588763561 0 XXXXXX 3.2501 Employed Unemployed U.S. Citizen U.S. Citizen
0365530848 678.54 XXXXXX 3.1249 Employed Unemployed U.S. Citizen U.S. Citizen
0387275117 0 XXXXXX 3.3712 Employed Unemployed U.S. Citizen U.S. Citizen
0420339769 1530 XXXXXX 3.1645 Employed (No Data) U.S. Citizen (No Data)
0467160944 1580 XXXXXX 3.0318 Employed Unemployed Permanent Resident Alien Permanent Resident Alien
0539743860 2050 XXXXXX 3.2705 Employed Unemployed U.S. Citizen U.S. Citizen
0534338092 0 XXXXXX 3.25 Employed (No Data) U.S. Citizen (No Data)
0627604858 0 XXXXXX 3.5023 Employed Employed U.S. Citizen U.S. Citizen
0753650918 1530 XXXXXX 3.0234 Employed Employed U.S. Citizen U.S. Citizen
0743597901 0 XXXXXX 2.8748 Employed Employed U.S. Citizen U.S. Citizen
0782717819 0 XXXXXX 3.2546 Employed Employed U.S. Citizen U.S. Citizen
0090997904 0 XXXXXX 3.1356 Employed Employed U.S. Citizen U.S. Citizen
0924294069 0 XXXXXX 3.3782 Employed Employed U.S. Citizen U.S. Citizen
0226888709 2055 XXXXXX 3.2903 Employed (No Data) U.S. Citizen (No Data)
0012825112 900 XXXXXX 3.2501 Employed (No Data) U.S. Citizen (No Data)
0308520016 0 XXXXXX 3 Employed Unemployed U.S. Citizen U.S. Citizen
0135303608 0 XXXXXX 3.2316 Employed (No Data) U.S. Citizen (No Data)
0688892413 0 XXXXXX 3.386 Employed (No Data) U.S. Citizen (No Data)
0427664424 2250 XXXXXX 3.1527 Employed Employed U.S. Citizen U.S. Citizen
0869042615 1580 XXXXXX 3.2994 Employed Employed U.S. Citizen U.S. Citizen
0830258685 1580 XXXXXX 3.0375 Employed (No Data) Permanent Resident Alien (No Data)
0600281900 0 XXXXXX 3.4999 Employed Employed U.S. Citizen U.S. Citizen
0288333312 3155 XXXXXX 3.5358 Employed Employed U.S. Citizen U.S. Citizen
0072967530 0 XXXXXX 2.9999 Employed (No Data) U.S. Citizen (No Data)
0581334006 230 XXXXXX 3.142 Employed Employed U.S. Citizen U.S. Citizen
0296899056 3270 XXXXXX 3.1699 Employed Employed U.S. Citizen U.S. Citizen
0812480341 0 XXXXXX 3.1247 Employed (No Data) U.S. Citizen (No Data)
0030803564 530 XXXXXX 2.6704 Employed Employed U.S. Citizen U.S. Citizen
0992745387 1580 XXXXXX 2.9047 Employed Employed U.S. Citizen Permanent Resident Alien
0263676094 2455 XXXXXX 3.2652 Employed (No Data) U.S. Citizen (No Data)
0794863072 1405 XXXXXX 3.0199 Employed Employed U.S. Citizen U.S. Citizen
0455347097 0 XXXXXX 3.2501 Employed Employed U.S. Citizen U.S. Citizen
0060223626 0 XXXXXX 3.1188 Employed Unemployed U.S. Citizen (No Data)
0603795050 0 XXXXXX 3.1247 Employed (No Data) U.S. Citizen (No Data)
0393821377 0 XXXXXX 3.2501 Employed Employed U.S. Citizen U.S. Citizen
0032308265 0 XXXXXX 3.1393 Employed (No Data) U.S. Citizen (No Data)
0173011766 0 XXXXXX 3.0095 Employed Employed U.S. Citizen Permanent Resident Alien
0160805595 875 XXXXXX 3.2465 Employed (No Data) U.S. Citizen (No Data)
0164169124 0 XXXXXX 3.0038 Employed Unemployed U.S. Citizen U.S. Citizen
0321682861 0 XXXXXX 3.2589 Employed Employed U.S. Citizen U.S. Citizen
0266332566 2130 XXXXXX 3.8893 Employed (No Data) U.S. Citizen (No Data)
0923174486 875 XXXXXX 3.2501 Employed (No Data) U.S. Citizen (No Data)
0448045178 0 XXXXXX 2.8748 Employed Employed U.S. Citizen U.S. Citizen
0022196177 1305 XXXXXX 3.5245 Employed Unemployed U.S. Citizen U.S. Citizen
0417818039 0 XXXXXX 3.2517 Employed Employed U.S. Citizen U.S. Citizen
0237859061 0 XXXXXX 2.7499 Employed Employed U.S. Citizen U.S. Citizen
0160708658 1519.7 XXXXXX 3.163 Employed (No Data) U.S. Citizen (No Data)
0720796530 0 XXXXXX 3.1247 Employed Employed U.S. Citizen U.S. Citizen
0477679524 0 XXXXXX 3.1451 Employed (No Data) U.S. Citizen (No Data)
0744499361 2520 XXXXXX 3.4226 Employed (No Data) U.S. Citizen (No Data)
0975573299 1500 XXXXXX 3.0277 Employed Employed U.S. Citizen U.S. Citizen
0843927182 2080 XXXXXX 3.4279 Employed (No Data) U.S. Citizen (No Data)
0775509339 2220 XXXXXX 2.9415 Employed Unemployed U.S. Citizen (No Data)
0749205092 0 XXXXXX 2.9128 Employed (No Data) U.S. Citizen (No Data)
0816593315 0 XXXXXX 2.9987 Employed Employed U.S. Citizen U.S. Citizen
0535167466 2125 XXXXXX 3.2726 Employed Employed U.S. Citizen U.S. Citizen
0986529188 1580 XXXXXX 2.8978 Employed Employed U.S. Citizen U.S. Citizen
0413212740 1530 XXXXXX 2.7682 Employed Employed U.S. Citizen U.S. Citizen
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0603795009 2430 XXXXXX 2.783 Employed Employed U.S. Citizen U.S. Citizen
0517537840 3290.63 XXXXXX 3.0427 Employed Employed U.S. Citizen U.S. Citizen
0879869880 0 XXXXXX 2.9009 Employed Employed U.S. Citizen U.S. Citizen
0015283393 725 XXXXXX 3.7699 Employed (No Data) U.S. Citizen (No Data)
0802840762 0 XXXXXX 3.2498 Employed Employed U.S. Citizen U.S. Citizen
0166311542 5727.13 XXXXXX 3.0363 Employed (No Data) U.S. Citizen (No Data)
0307492802 1530 XXXXXX 3.2739 Employed (No Data) U.S. Citizen (No Data)
0407658248 2080 XXXXXX 3.5182 Employed Employed U.S. Citizen U.S. Citizen
0306727754 1275 XXXXXX 3.27 Employed Employed U.S. Citizen U.S. Citizen
0540193985 0 XXXXXX 3.2501 Employed Employed Non-Permanent Resident Alien Non-Permanent Resident Alien
0248166622 679.57 XXXXXX 3.5037 Employed Unemployed U.S. Citizen U.S. Citizen
0349428232 1275 XXXXXX 3.2642 Employed Employed U.S. Citizen U.S. Citizen
0224787836 0 XXXXXX 3.2499 Employed Employed U.S. Citizen U.S. Citizen
0582013272 0 XXXXXX 3.2281 Employed Employed Permanent Resident Alien U.S. Citizen
0417719550 0 XXXXXX 3.3691 Employed Employed U.S. Citizen U.S. Citizen
0087079366 1530 XXXXXX 3.2776 Employed (No Data) U.S. Citizen (No Data)
0581558893 0 XXXXXX 3.1391 Employed (No Data) U.S. Citizen (No Data)
0137434468 0 XXXXXX 3.3758 Employed Unemployed U.S. Citizen U.S. Citizen

 

Alt Loan ID Borrowers Qualified Through a Non-Resident Alien Program Residual Income Analysis in File ATR/QM Residual Income
0989559892 (No Data) No 0
0138895538 (No Data) No 0
0930346800 (No Data) No 0
0801064116 (No Data) No 0
0576750534 (No Data) No 0
0977588995 (No Data) No 0
0661166719 (No Data) No 0
0027754822 (No Data) No 0
0202129463 (No Data) No 0
0583091889 (No Data) No 0
0798650653 (No Data) No 0
0043094472 (No Data) No 0
0604615653 (No Data) No 0
0938549248 (No Data) No 0
0911348662 (No Data) No 0
0902810032 (No Data) No 0
0695825083 (No Data) No 0
0691226842 (No Data) No 0
0134540654 (No Data) No 0
0262565781 (No Data) No 0
0172102535 (No Data) No 0
0729153439 (No Data) No 0
0911099746 (No Data) No 0
0350001047 (No Data) No 0
0213490791 (No Data) No 0
0763570031 (No Data) No 0
0234789318 (No Data) No 0
0464139345 (No Data) No 0
0356436664 (No Data) No 0
0802570979 (No Data) No 0
0790983577 (No Data) No 0
0331809052 (No Data) No 0
0610066876 (No Data) No 0
0844803837 (No Data) No 0
0888662905 (No Data) No 0
0353191680 (No Data) No 0
0338260479 (No Data) No 0
0437258065 (No Data) No 0
0135334168 (No Data) No 0
0755148886 (No Data) No 0
0050449033 (No Data) No 0
0705438794 (No Data) No 0
0800502645 (No Data) No 0
0650506200 (No Data) No 0
0591919625 (No Data) No 0
0559590476 (No Data) No 0
0102082589 (No Data) No 0
0399386242 (No Data) No 0
0854533661 (No Data) No 0
0047759133 (No Data) No 0
0645420759 (No Data) No 0
0746604537 (No Data) No 0
0336704743 (No Data) No 0
0940801201 (No Data) No 0
0317663639 (No Data) No 0
0147704935 (No Data) No 0
0167511513 (No Data) No 0
0820577794 (No Data) No 0
0068350309 (No Data) No 0
0829724025 (No Data) No 0
0783159008 (No Data) No 0
0501785587 (No Data) No 0
0276605721 (No Data) No 0
0110883483 (No Data) No 0
0979650819 (No Data) No 0
0941027510 (No Data) No 0
0805840121 (No Data) No 0
0894886858 (No Data) No 0
0889661042 (No Data) No 0
0688514980 (No Data) No 0
0589653309 (No Data) No 0
0512057299 (No Data) No 0
0717807495 (No Data) No 0
0916702482 (No Data) No 0
0076295465 (No Data) No 0
0951145322 (No Data) No 0
0967360890 (No Data) No 0
0249271958 (No Data) No 0
0657156521 (No Data) No 0
0842057111 (No Data) No 0
0972362160 (No Data) No 0
0336751762 (No Data) No 0
0549121898 (No Data) No 0
0883771089 (No Data) No 0
0908902903 (No Data) No 0
0908349057 (No Data) No 0
0466446164 (No Data) No 0
0049608561 (No Data) No 0
0924177369 (No Data) No 0
0575771080 (No Data) No 0
0083134983 (No Data) No 0
0529327719 (No Data) No 0
0420380621 (No Data) No 0
0863486295 (No Data) No 0
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0512298226 (No Data) No 0
0592054167 (No Data) No 0
0157476532 (No Data) No 0
0686444542 (No Data) No 0
0223763003 (No Data) No 0
0340006234 (No Data) No 0
0765715424 (No Data) No 0
0144754849 (No Data) No 0
0507890863 (No Data) No 0
0619370106 (No Data) No 0
0681239646 (No Data) No 0
0975382897 (No Data) No 0
0427546599 (No Data) No 0
0541846382 (No Data) No 0
0557215627 (No Data) No 0
0767536451 (No Data) No 0
0229532881 (No Data) No 0
0330130341 (No Data) No 0
0393404205 (No Data) No 0
0243700276 (No Data) No 0
0211507519 (No Data) No 0
0593597731 (No Data) No 0
0824597255 (No Data) No 0
0152477270 (No Data) No 0
0617386511 (No Data) No 0
0271765126 (No Data) No 0
0315630716 (No Data) No 0
0267572469 (No Data) No 0
0393925198 (No Data) No 0
0902968480 (No Data) No 0
0336214054 (No Data) No 0
0888134155 (No Data) No 0
0855254554 (No Data) No 0
0735665344 (No Data) No 0
0299768337 (No Data) No 0
0468358296 (No Data) No 0
0869490873 (No Data) No 0
0704643411 (No Data) No 0
0955505892 (No Data) No 0
0998097884 (No Data) No 0
0824256616 (No Data) No 0
0494500301 (No Data) No 0
0923368444 (No Data) No 0
0072121700 (No Data) No 0
0588763561 (No Data) No 0
0365530848 (No Data) No 0
0387275117 (No Data) No 0
0420339769 (No Data) No 0
0467160944 (No Data) No 0
0539743860 (No Data) No 0
0534338092 (No Data) No 0
0627604858 (No Data) No 0
0753650918 (No Data) No 0
0743597901 (No Data) No 0
0782717819 (No Data) No 0
0090997904 (No Data) No 0
0924294069 (No Data) No 0
0226888709 (No Data) No 0
0012825112 (No Data) No 0
0308520016 (No Data) No 0
0135303608 (No Data) No 0
0688892413 (No Data) No 0
0427664424 (No Data) No 0
0869042615 (No Data) No 0
0830258685 (No Data) No 0
0600281900 (No Data) No 0
0288333312 (No Data) No 0
0072967530 (No Data) No 0
0581334006 (No Data) No 0
0296899056 (No Data) No 0
0812480341 (No Data) No 0
0030803564 (No Data) No 0
0992745387 (No Data) No 0
0263676094 (No Data) No 0
0794863072 (No Data) No 0
0455347097 (No Data) No 0
0060223626 (No Data) No 0
0603795050 (No Data) No 0
0393821377 (No Data) No 0
0032308265 (No Data) No 0
0173011766 (No Data) No 0
0160805595 (No Data) No 0
0164169124 (No Data) No 0
0321682861 (No Data) No 0
0266332566 (No Data) No 0
0923174486 (No Data) No 0
0448045178 (No Data) No 0
0022196177 (No Data) No 0
0417818039 (No Data) No 0
0237859061 (No Data) No 0
0160708658 (No Data) No 0
0720796530 (No Data) No 0
0477679524 (No Data) No 0
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0975573299 (No Data) No 0
0843927182 (No Data) No 0
0775509339 (No Data) No 0
0749205092 (No Data) No 0
0816593315 (No Data) No 0
0535167466 (No Data) No 0
0986529188 (No Data) No 0
0413212740 (No Data) No 0
0923078250 (No Data) No 0
0259008881 (No Data) No 0
0645299722 (No Data) No 0
0498172094 (No Data) No 0
0901376930 (No Data) No 0
0042771531 (No Data) No 0
0781622595 (No Data) No 0
0031110663 (No Data) No 0
0483773242 (No Data) No 0
0098944585 (No Data) No 0
0025870633 (No Data) No 0
0655475927 (No Data) No 0
0181741021 (No Data) No 0
0850369105 (No Data) No 0
0575789424 (No Data) No 0
0729802768 (No Data) No 0
0864403324 (No Data) No 0
0650893622 (No Data) No 0
0565425587 (No Data) No 0
0305255025 (No Data) No 0
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0073212779 (No Data) No 0
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0961386015 (No Data) No 0
0859339038 (No Data) No 0
0222048694 (No Data) No 0
0150859989 (No Data) No 0
0068334099 (No Data) No 0
0215045432 (No Data) No 0
0369212685 (No Data) No 0
0227560373 (No Data) No 0
0063703620 (No Data) No 0
0839053422 (No Data) No 0
0998683185 (No Data) No 0
0357786446 (No Data) No 0
0363896441 (No Data) No 0
0133938555 (No Data) No 0
0715819827 (No Data) No 0
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0965334319 (No Data) No 0
0352713344 (No Data) No 0
0966454336 (No Data) No 0
0358557373 (No Data) No 0
0001442055 (No Data) No 0
0516730458 (No Data) No 0
0556210574 (No Data) No 0
0083754076 (No Data) No 0
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0470845533 (No Data) No 0
0845113102 (No Data) No 0
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0954146301 (No Data) No 0
0301448136 (No Data) No 0
0319401242 (No Data) No 0
0041594573 (No Data) No 0
0172165607 (No Data) No 0
0908976681 (No Data) No 0
0240597962 (No Data) No 0
0903520123 (No Data) No 0
0782930932 (No Data) No 0
0203802152 (No Data) No 0
0800890714 (No Data) No 0
0481098853 (No Data) No 0
0004919861 (No Data) No 0
0891521076 (No Data) No 0
0595336838 (No Data) No 0
0501051732 (No Data) No 0
0455606617 (No Data) No 0
0746575679 (No Data) No 0
0649420457 (No Data) No 0
0648759196 (No Data) No 0
0900495366 (No Data) No 0
0808367638 (No Data) No 0
0838672433 (No Data) No 0
0635074062 (No Data) No 0
0471622594 (No Data) No 0
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0259971862 (No Data) No 0
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0052669848 (No Data) No 0
0669124532 (No Data) No 0
0168918329 (No Data) No 0
0769257041 (No Data) No 0
0258703215 (No Data) No 0
0517855345 (No Data) No 0
0309196218 (No Data) No 0
0048994182 (No Data) No 0
0738586526 (No Data) No 0
0053710878 (No Data) No 0
0825011780 (No Data) No 0
0506422525 (No Data) No 0
0861021130 (No Data) No 0
0979923763 (No Data) No 0
0837623139 (No Data) No 0
0759561368 (No Data) No 0
0474592069 (No Data) No 0
0605906999 (No Data) No 0
0861695041 (No Data) No 0
0750667513 (No Data) No 0
0095525438 (No Data) No 0
0029264920 (No Data) No 0
0019537061 (No Data) No 0
0949091765 (No Data) No 0
0752727842 (No Data) No 0
0809909838 (No Data) No 0
0862687034 (No Data) No 0
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0391394779 (No Data) No 0
0278309532 (No Data) No 0
0551384264 (No Data) No 0
0889799209 (No Data) No 0
0939621352 (No Data) No 0
0862681616 (No Data) No 0
0488572485 (No Data) No 0
0522380796 (No Data) No 0
0459057085 (No Data) No 0
0325556072 (No Data) No 0
0661663742 (No Data) No 0
0052080528 (No Data) No 0
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0159110748 (No Data) No 0
0074332767 (No Data) No 0
0632889358 (No Data) No 0
0139809996 (No Data) No 0
0697553452 (No Data) No 0
0993638557 (No Data) No 0
0802433600 (No Data) No 0
0897391047 (No Data) No 0
0674283670 (No Data) No 0
0498048106 (No Data) No 0
0236599301 (No Data) No 0
0033741212 (No Data) No 0
0912854435 (No Data) No 0
0119533286 (No Data) No 0
0145282348 (No Data) No 0
0897857613 (No Data) No 0
0184615918 (No Data) No 0
0469198638 (No Data) No 0
0293495899 (No Data) No 0
0635473695 (No Data) No 0
0735642413 (No Data) No 0
0498878852 (No Data) No 0
0227320863 (No Data) No 0
0171569977 (No Data) No 0
0851028019 (No Data) No 0
0946319222 (No Data) No 0
0516136877 (No Data) No 0
0655929888 (No Data) No 0
0898932781 (No Data) No 0
0799073100 (No Data) No 0
0853303055 (No Data) No 0
0563172167 (No Data) No 0
0137339114 (No Data) No 0
0908829049 (No Data) No 0
0284969421 (No Data) No 0
0451040857 (No Data) No 0
0064696048 (No Data) No 0
0714739945 (No Data) No 0
0346467100 (No Data) No 0
0088694095 (No Data) No 0
0283839238 (No Data) No 0
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0374780613 (No Data) No 0
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0641506424 (No Data) No 0
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0127753940 (No Data) No 0
0259354512 (No Data) No 0
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0312267274 (No Data) No 0
0347012631 (No Data) No 0
0949430545 (No Data) No 0
0302055195 (No Data) No 0
0447708412 (No Data) No 0
0747876903 (No Data) No 0
0298450897 (No Data) No 0
0131015511 (No Data) No 0
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0392936467 (No Data) No 0
0523661468 (No Data) No 0
0818523045 (No Data) No 0
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0312186098 (No Data) No 0
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0496547413 (No Data) No 0
0650027202 (No Data) No 0
0020255917 (No Data) No 0
0379428603 (No Data) No 0
0431691596 (No Data) No 0
0963219080 (No Data) No 0
0284486263 (No Data) No 0
0220866614 (No Data) No 0
0154347834 (No Data) No 0
0663811305 (No Data) No 0
0250295430 (No Data) No 0
0611409279 (No Data) No 0
0351542285 (No Data) No 0
0140924596 (No Data) No 0
0593007347 (No Data) No 0
0327241907 (No Data) No 0
0630130749 (No Data) No 0
0267452614 (No Data) No 0
0032521023 (No Data) No 0
0483504885 (No Data) No 0
0594193861 (No Data) No 0
0647534571 (No Data) No 0
0047160022 (No Data) No 0
0248003834 (No Data) No 0
0559042113 (No Data) No 0
0578003446 (No Data) No 0
0776112418 (No Data) No 0
0394419552 (No Data) No 0
0066409759 (No Data) No 0
0246267980 (No Data) No 0
0136744927 (No Data) No 0
0810831453 (No Data) No 0
0922712899 (No Data) No 0
0989619385 (No Data) No 0
0284474809 (No Data) No 0
0182212932 (No Data) No 0
0165873393 (No Data) No 0
0257396349 (No Data) No 0
0401012357 (No Data) No 0
0358054399 (No Data) No 0
0922512350 (No Data) No 0
0721986455 (No Data) No 0
0224364000 (No Data) No 0
0931169899 (No Data) No 0
0835118606 (No Data) No 0
0535708673 (No Data) No 0
0233545185 (No Data) No 0
0870664258 (No Data) No 0
0093567550 (No Data) No 0
0946795954 (No Data) No 0
0714272167 (No Data) No 0
0332962239 (No Data) No 0
0139540128 (No Data) No 0
0603795009 (No Data) No 0
0517537840 (No Data) No 0
0879869880 (No Data) No 0
0015283393 (No Data) No 0
0802840762 (No Data) No 0
0166311542 (No Data) No 0
0307492802 (No Data) No 0
0407658248 (No Data) No 0
0306727754 (No Data) No 0
0540193985 (No Data) No 0
0248166622 (No Data) No 0
0349428232 (No Data) No 0
0224787836 (No Data) No 0
0582013272 (No Data) No 0
0417719550 (No Data) No 0
0087079366 (No Data) No 0
0581558893 (No Data) No 0
0137434468 (No Data) No 0

 

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EX-99.4 5 tm2031812d1_ex99-4.htm CLAYTON VALUATIONS SUMMARY

 

Exhibit 99.4

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-5
Start - End Dates: 12.2019 TO 8.2020
Deal Loan Count: 497
   
       
Valuations Summary      
       
Loans in Report: 497    

 

        Origination Values
Alt Loan ID Original Balance Sales Price Value For LTV Appraised Date Appraised Value Appraisal Form AVM Vendor Name Confidence Score Review Date Review Value Review Type
0989559892 XXXXXX XXXXXX XXXXXX 06/08/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0138895538 XXXXXX XXXXXX XXXXXX 05/13/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0930346800 XXXXXX XXXXXX XXXXXX 05/09/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0801064116 XXXXXX XXXXXX XXXXXX 05/23/2020 XXXXXX 1075 Exterior-Only Condo (Mar 05)       $0.00  
0576750534 XXXXXX XXXXXX XXXXXX 05/20/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0977588995 XXXXXX XXXXXX XXXXXX 06/10/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0661166719 XXXXXX XXXXXX XXXXXX 05/08/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0027754822 XXXXXX XXXXXX XXXXXX 05/20/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0202129463 XXXXXX XXXXXX XXXXXX 05/11/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0583091889 XXXXXX XXXXXX XXXXXX 06/03/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0798650653 XXXXXX XXXXXX XXXXXX 05/29/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0043094472 XXXXXX XXXXXX XXXXXX 06/16/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0604615653 XXXXXX XXXXXX XXXXXX 05/14/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0938549248 XXXXXX XXXXXX XXXXXX 05/18/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0911348662 XXXXXX XXXXXX XXXXXX 05/08/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0902810032 XXXXXX XXXXXX XXXXXX 05/27/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0695825083 XXXXXX XXXXXX XXXXXX 05/18/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0691226842 XXXXXX XXXXXX XXXXXX 06/17/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0134540654 XXXXXX XXXXXX XXXXXX 05/09/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0262565781 XXXXXX XXXXXX XXXXXX 05/20/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0172102535 XXXXXX XXXXXX XXXXXX 01/30/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0729153439 XXXXXX XXXXXX XXXXXX 05/26/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0911099746 XXXXXX XXXXXX XXXXXX 05/15/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0350001047 XXXXXX XXXXXX XXXXXX 06/04/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0213490791 XXXXXX XXXXXX XXXXXX 06/13/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0763570031 XXXXXX XXXXXX XXXXXX 06/02/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0234789318 XXXXXX XXXXXX XXXXXX 06/12/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0464139345 XXXXXX XXXXXX XXXXXX 05/28/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0356436664 XXXXXX XXXXXX XXXXXX 05/12/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0802570979 XXXXXX XXXXXX XXXXXX 05/13/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0790983577 XXXXXX XXXXXX XXXXXX 07/11/2019 XXXXXX 1004 SFR (Mar 05)       $0.00  
0331809052 XXXXXX XXXXXX XXXXXX 05/14/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
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0655475927 XXXXXX XXXXXX XXXXXX 06/07/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
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0488572485 XXXXXX XXXXXX XXXXXX 03/11/2020 XXXXXX 2090 Cooperative (Mar 05)       $0.00  
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0236599301 XXXXXX XXXXXX XXXXXX 05/22/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
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0809704197 XXXXXX XXXXXX XXXXXX 05/28/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
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0568406549 XXXXXX XXXXXX XXXXXX 04/01/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0349446312 XXXXXX XXXXXX XXXXXX 06/15/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
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0756149207 XXXXXX XXXXXX XXXXXX 04/23/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0496547413 XXXXXX XXXXXX XXXXXX 06/13/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0650027202 XXXXXX XXXXXX XXXXXX 03/30/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
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0379428603 XXXXXX XXXXXX XXXXXX 05/12/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0431691596 XXXXXX XXXXXX XXXXXX 04/29/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0963219080 XXXXXX XXXXXX XXXXXX 05/01/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0284486263 XXXXXX XXXXXX XXXXXX 04/10/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0220866614 XXXXXX XXXXXX XXXXXX 05/26/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0154347834 XXXXXX XXXXXX XXXXXX 03/30/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0663811305 XXXXXX XXXXXX XXXXXX 04/30/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0250295430 XXXXXX XXXXXX XXXXXX 04/30/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0611409279 XXXXXX XXXXXX XXXXXX 04/01/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0351542285 XXXXXX XXXXXX XXXXXX 08/31/2019 XXXXXX 1073 Condo (Mar 05)       $0.00  
0140924596 XXXXXX XXXXXX XXXXXX 05/01/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0593007347 XXXXXX XXXXXX XXXXXX 04/25/2020 XXXXXX 2095 Ext Only Cooperative       $0.00  
0327241907 XXXXXX XXXXXX XXXXXX 04/09/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0630130749 XXXXXX XXXXXX XXXXXX 04/28/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
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0032521023 XXXXXX XXXXXX XXXXXX 04/30/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0483504885 XXXXXX XXXXXX XXXXXX 04/09/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0594193861 XXXXXX XXXXXX XXXXXX 04/03/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0647534571 XXXXXX XXXXXX XXXXXX 05/07/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0047160022 XXXXXX XXXXXX XXXXXX 04/17/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0248003834 XXXXXX XXXXXX XXXXXX 04/18/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0559042113 XXXXXX XXXXXX XXXXXX 04/30/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0578003446 XXXXXX XXXXXX XXXXXX 05/04/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0776112418 XXXXXX XXXXXX XXXXXX 04/16/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0394419552 XXXXXX XXXXXX XXXXXX 05/23/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0066409759 XXXXXX XXXXXX XXXXXX 05/18/2020 XXXXXX 1075 Exterior-Only Condo (Mar 05)       $0.00  
0246267980 XXXXXX XXXXXX XXXXXX 05/11/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0136744927 XXXXXX XXXXXX XXXXXX 04/10/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0810831453 XXXXXX XXXXXX XXXXXX 05/06/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0922712899 XXXXXX XXXXXX XXXXXX 05/18/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0989619385 XXXXXX XXXXXX XXXXXX 04/28/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0284474809 XXXXXX XXXXXX XXXXXX 04/17/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0182212932 XXXXXX XXXXXX XXXXXX 06/02/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0165873393 XXXXXX XXXXXX XXXXXX 06/16/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0257396349 XXXXXX XXXXXX XXXXXX 01/14/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0401012357 XXXXXX XXXXXX XXXXXX 05/08/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0358054399 XXXXXX XXXXXX XXXXXX 06/02/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0922512350 XXXXXX XXXXXX XXXXXX 05/20/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0721986455 XXXXXX XXXXXX XXXXXX 06/12/2020 XXXXXX 2055 Ext Only (Mar 05)     04/09/2020 XXXXXX Full Appraisal
0224364000 XXXXXX XXXXXX XXXXXX 06/02/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0931169899 XXXXXX XXXXXX XXXXXX 05/04/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0835118606 XXXXXX XXXXXX XXXXXX 05/08/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0535708673 XXXXXX XXXXXX XXXXXX 05/12/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0233545185 XXXXXX XXXXXX XXXXXX 05/05/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0870664258 XXXXXX XXXXXX XXXXXX 05/05/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0093567550 XXXXXX XXXXXX XXXXXX 06/15/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0946795954 XXXXXX XXXXXX XXXXXX 06/02/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0714272167 XXXXXX XXXXXX XXXXXX 04/23/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0332962239 XXXXXX XXXXXX XXXXXX 04/27/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0139540128 XXXXXX XXXXXX XXXXXX 04/30/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0603795009 XXXXXX XXXXXX XXXXXX 05/26/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0517537840 XXXXXX XXXXXX XXXXXX 04/17/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0879869880 XXXXXX XXXXXX XXXXXX 06/10/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0015283393 XXXXXX XXXXXX XXXXXX 06/08/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0802840762 XXXXXX XXXXXX XXXXXX 05/15/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0166311542 XXXXXX XXXXXX XXXXXX 06/03/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0307492802 XXXXXX XXXXXX XXXXXX 05/21/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0407658248 XXXXXX XXXXXX XXXXXX 05/13/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0306727754 XXXXXX XXXXXX XXXXXX 05/04/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0540193985 XXXXXX XXXXXX XXXXXX 06/23/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0248166622 XXXXXX XXXXXX XXXXXX 05/20/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0349428232 XXXXXX XXXXXX XXXXXX 05/08/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0224787836 XXXXXX XXXXXX XXXXXX 05/02/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0582013272 XXXXXX XXXXXX XXXXXX 05/20/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0417719550 XXXXXX XXXXXX XXXXXX 04/25/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0087079366 XXXXXX XXXXXX XXXXXX 04/28/2020 XXXXXX 1004 SFR (Mar 05)       $0.00  
0581558893 XXXXXX XXXXXX XXXXXX 05/07/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  
0137434468 XXXXXX XXXXXX XXXXXX 05/08/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00  

 

  Automated Valuation Model Desk Review
Alt Loan ID Report Date Value Variance Amount Variance (%) AVM Vendor Name Confidence Score Report Date Value Variance Amount Variance (%)
0989559892   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0138895538   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0930346800   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0801064116   $0.00 $0.00 0.00%     07/22/2020 XXXXXX $0.00 0.00%
0576750534   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0977588995   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0661166719   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0027754822   $0.00 $0.00 0.00%     05/20/2020 XXXXXX $0.00 0.00%
0202129463   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0583091889   $0.00 $0.00 0.00%     06/03/2020 XXXXXX $0.00 0.00%
0798650653   $0.00 $0.00 0.00%     07/19/2020 XXXXXX $0.00 0.00%
0043094472   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0604615653   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0938549248   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0911348662   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0902810032   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0695825083   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0691226842   $0.00 $0.00 0.00%     07/12/2020 XXXXXX $0.00 0.00%
0134540654   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0262565781   $0.00 $0.00 0.00%     08/02/2020 XXXXXX $0.00 0.00%
0172102535   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0729153439   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0911099746   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0350001047   $0.00 $0.00 0.00%     08/05/2020 XXXXXX $0.00 0.00%
0213490791   $0.00 $0.00 0.00%     07/23/2020 XXXXXX $0.00 0.00%
0763570031   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0234789318   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0464139345   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0356436664   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0802570979   $0.00 $0.00 0.00%     05/13/2020 XXXXXX $0.00 0.00%
0790983577   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0331809052   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0610066876   $0.00 $0.00 0.00%     07/09/2020 XXXXXX $0.00 0.00%
0844803837   $0.00 $0.00 0.00%     07/28/2020 XXXXXX $0.00 0.00%
0888662905   $0.00 $0.00 0.00%     07/21/2020 XXXXXX $0.00 0.00%
0353191680   $0.00 $0.00 0.00%     07/21/2020 XXXXXX $0.00 0.00%
0338260479   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0437258065   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0135334168   $0.00 $0.00 0.00%     07/12/2020 XXXXXX $0.00 0.00%
0755148886   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0050449033   $0.00 $0.00 0.00%     05/12/2020 XXXXXX $0.00 0.00%
0705438794   $0.00 $0.00 0.00%     07/27/2020 XXXXXX $0.00 0.00%
0800502645   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0650506200   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0591919625   $0.00 $0.00 0.00%     07/07/2020 XXXXXX $0.00 0.00%
0559590476   $0.00 $0.00 0.00%     05/13/2020 XXXXXX $0.00 0.00%
0102082589   $0.00 $0.00 0.00%     08/05/2020 XXXXXX $0.00 0.00%
0399386242   $0.00 $0.00 0.00%     07/27/2020 XXXXXX $0.00 0.00%
0854533661   $0.00 $0.00 0.00%     07/12/2020 XXXXXX $0.00 0.00%
0047759133   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0645420759   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0746604537   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0336704743   $0.00 $0.00 0.00%     07/11/2020 XXXXXX $0.00 0.00%
0940801201   $0.00 $0.00 0.00%     07/11/2020 XXXXXX $0.00 0.00%
0317663639   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0147704935   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0167511513   $0.00 $0.00 0.00%     08/03/2020 XXXXXX $0.00 0.00%
0820577794   $0.00 $0.00 0.00%     07/12/2020 XXXXXX $0.00 0.00%
0068350309   $0.00 $0.00 0.00%     06/11/2020 XXXXXX $0.00 0.00%
0829724025   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0783159008   $0.00 $0.00 0.00%     08/03/2020 XXXXXX $0.00 0.00%
0501785587   $0.00 $0.00 0.00%     07/23/2020 XXXXXX $0.00 0.00%
0276605721   $0.00 $0.00 0.00%     06/08/2020 XXXXXX $0.00 0.00%
0110883483   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0979650819   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0941027510   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0805840121   $0.00 $0.00 0.00%     07/29/2020 XXXXXX $0.00 0.00%
0894886858   $0.00 $0.00 0.00%     07/12/2020 XXXXXX $0.00 0.00%
0889661042   $0.00 $0.00 0.00%     07/08/2020 XXXXXX $0.00 0.00%
0688514980   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0589653309   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0512057299   $0.00 $0.00 0.00%     07/08/2020 XXXXXX $0.00 0.00%
0717807495   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0916702482   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0076295465   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0951145322   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0967360890   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0249271958   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0657156521   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0842057111   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0972362160   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0336751762   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0549121898   $0.00 $0.00 0.00%     07/06/2020 XXXXXX $0.00 0.00%
0883771089   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0908902903   $0.00 $0.00 0.00%     08/07/2020 XXXXXX $0.00 0.00%
0908349057   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0466446164   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0049608561   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0924177369   $0.00 $0.00 0.00%     07/23/2020 XXXXXX XXXXXX -17.24%
0575771080   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0083134983   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0529327719   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0420380621   $0.00 $0.00 0.00%     07/19/2020 XXXXXX $0.00 0.00%
0863486295   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0835619778   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0151427407   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0512298226   $0.00 $0.00 0.00%     07/07/2020 XXXXXX $0.00 0.00%
0592054167   $0.00 $0.00 0.00%     07/29/2020 XXXXXX $0.00 0.00%
0157476532   $0.00 $0.00 0.00%       XXXXXX $0.00 0.00%
0686444542   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0223763003   $0.00 $0.00 0.00%     07/08/2020 XXXXXX $0.00 0.00%
0340006234   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0765715424   $0.00 $0.00 0.00%     07/26/2020 XXXXXX $0.00 0.00%
0144754849   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0507890863   $0.00 $0.00 0.00%     08/07/2020 XXXXXX $0.00 0.00%
0619370106   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0681239646   $0.00 $0.00 0.00%     07/24/2020 XXXXXX $0.00 0.00%
0975382897   $0.00 $0.00 0.00%     07/19/2020 XXXXXX $0.00 0.00%
0427546599   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0541846382   $0.00 $0.00 0.00%     05/13/2020 XXXXXX $0.00 0.00%
0557215627   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0767536451   $0.00 $0.00 0.00%     07/09/2020 XXXXXX $0.00 0.00%
0229532881   $0.00 $0.00 0.00%     07/28/2020 XXXXXX $0.00 0.00%
0330130341   $0.00 $0.00 0.00%     07/05/2020 XXXXXX $0.00 0.00%
0393404205   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0243700276   $0.00 $0.00 0.00%     07/06/2020 XXXXXX $0.00 0.00%
0211507519   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0593597731   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0824597255   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0152477270   $0.00 $0.00 0.00%     07/28/2020 XXXXXX $0.00 0.00%
0617386511   $0.00 $0.00 0.00%     07/06/2020 XXXXXX $0.00 0.00%
0271765126   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0315630716   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0267572469   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0393925198   $0.00 $0.00 0.00%     07/11/2020 XXXXXX $0.00 0.00%
0902968480   $0.00 $0.00 0.00%     05/30/2020 XXXXXX XXXXXX -1.56%
0336214054   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0888134155   $0.00 $0.00 0.00%     07/03/2020 XXXXXX $0.00 0.00%
0855254554   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0735665344   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0299768337   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0468358296   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0869490873   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0704643411   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0955505892   $0.00 $0.00 0.00%     07/09/2020 XXXXXX $0.00 0.00%
0998097884   $0.00 $0.00 0.00%     07/23/2020 XXXXXX $0.00 0.00%
0824256616   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0494500301   $0.00 $0.00 0.00%     07/19/2020 XXXXXX $0.00 0.00%
0923368444   $0.00 $0.00 0.00%     05/27/2020 XXXXXX $0.00 0.00%
0072121700   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0588763561   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0365530848   $0.00 $0.00 0.00%     08/04/2020 XXXXXX $0.00 0.00%
0387275117   $0.00 $0.00 0.00%     07/09/2020 XXXXXX $0.00 0.00%
0420339769   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0467160944   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0539743860   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0534338092   $0.00 $0.00 0.00%     07/06/2020 XXXXXX $0.00 0.00%
0627604858   $0.00 $0.00 0.00%     07/22/2020 XXXXXX $0.00 0.00%
0753650918   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0743597901   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0782717819   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0090997904   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0924294069   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0226888709   $0.00 $0.00 0.00%     07/09/2020 XXXXXX $0.00 0.00%
0012825112   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0308520016   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0135303608   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0688892413   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0427664424   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0869042615   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0830258685   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0600281900   $0.00 $0.00 0.00%     07/08/2020 XXXXXX $0.00 0.00%
0288333312   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0072967530   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
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0296899056   $0.00 $0.00 0.00%     07/19/2020 XXXXXX $0.00 0.00%
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0030803564   $0.00 $0.00 0.00%     08/03/2020 XXXXXX $0.00 0.00%
0992745387   $0.00 $0.00 0.00%     07/06/2020 XXXXXX $0.00 0.00%
0263676094   $0.00 $0.00 0.00%     07/08/2020 XXXXXX $0.00 0.00%
0794863072   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
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0060223626   $0.00 $0.00 0.00%     07/21/2020 XXXXXX $0.00 0.00%
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0393821377   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
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0655475927   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
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0305255025   $0.00 $0.00 0.00%     07/13/2020 XXXXXX XXXXXX -0.85%
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0073212779   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0359158284   $0.00 $0.00 0.00%     07/09/2020 XXXXXX XXXXXX -10.98%
0280985754   $0.00 $0.00 0.00%     07/28/2020 XXXXXX $0.00 0.00%
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0481250894   $0.00 $0.00 0.00%     07/19/2020 XXXXXX XXXXXX -1.92%
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0240597962   $0.00 $0.00 0.00%     12/20/2019 XXXXXX $0.00 0.00%
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0455606617   $0.00 $0.00 0.00%     12/06/2019 XXXXXX XXXXXX 2.53%
0746575679   $0.00 $0.00 0.00%     12/31/2019 XXXXXX $0.00 0.00%
0649420457   $0.00 $0.00 0.00%     12/24/2019 XXXXXX $0.00 0.00%
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0259971862   $0.00 $0.00 0.00%     12/13/2019 XXXXXX $0.00 0.00%
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0127493789   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
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0062463718   $0.00 $0.00 0.00%     07/08/2020 XXXXXX $0.00 0.00%
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0517855345   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
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0048994182   $0.00 $0.00 0.00%     12/05/2019 XXXXXX $0.00 0.00%
0738586526   $0.00 $0.00 0.00%     12/05/2019 XXXXXX XXXXXX -4.93%
0053710878   $0.00 $0.00 0.00%     02/21/2020 XXXXXX $0.00 0.00%
0825011780   $0.00 $0.00 0.00%     07/23/2020 XXXXXX $0.00 0.00%
0506422525   $0.00 $0.00 0.00%     01/17/2020 XXXXXX XXXXXX 2.53%
0861021130   $0.00 $0.00 0.00%     12/13/2019 XXXXXX $0.00 0.00%
0979923763   $0.00 $0.00 0.00%     01/27/2020 XXXXXX $0.00 0.00%
0837623139   $0.00 $0.00 0.00%     01/27/2020 XXXXXX XXXXXX -4.46%
0759561368   $0.00 $0.00 0.00%     07/29/2020 XXXXXX $0.00 0.00%
0474592069   $0.00 $0.00 0.00%     08/03/2020 XXXXXX $0.00 0.00%
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0095525438   $0.00 $0.00 0.00%     01/23/2020 XXXXXX $0.00 0.00%
0029264920   $0.00 $0.00 0.00%     07/19/2020 XXXXXX $0.00 0.00%
0019537061   $0.00 $0.00 0.00%     01/28/2020 XXXXXX $0.00 0.00%
0949091765   $0.00 $0.00 0.00%     06/01/2020 XXXXXX $0.00 0.00%
0752727842   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0809909838   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0862687034   $0.00 $0.00 0.00%     06/29/2020 XXXXXX $0.00 0.00%
0739437895   $0.00 $0.00 0.00%     01/17/2020 XXXXXX XXXXXX -11.76%
0972681508   $0.00 $0.00 0.00%     06/09/2020 XXXXXX $0.00 0.00%
0391394779   $0.00 $0.00 0.00%     06/04/2020 XXXXXX $0.00 0.00%
0278309532   $0.00 $0.00 0.00%     07/21/2020 XXXXXX $0.00 0.00%
0551384264   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
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0862681616   $0.00 $0.00 0.00%       XXXXXX $0.00 0.00%
0488572485   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
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0052080528   $0.00 $0.00 0.00%     03/10/2020 XXXXXX $0.00 0.00%
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0697553452   $0.00 $0.00 0.00%     08/06/2020 XXXXXX $0.00 0.00%
0993638557   $0.00 $0.00 0.00%     04/24/2020 XXXXXX $0.00 0.00%
0802433600   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
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0498048106   $0.00 $0.00 0.00%       XXXXXX $0.00 0.00%
0236599301   $0.00 $0.00 0.00%     07/09/2020 XXXXXX $0.00 0.00%
0033741212   $0.00 $0.00 0.00%     07/11/2020 XXXXXX $0.00 0.00%
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0184615918   $0.00 $0.00 0.00%     07/21/2020 XXXXXX $0.00 0.00%
0469198638   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0293495899   $0.00 $0.00 0.00%     07/11/2020 XXXXXX $0.00 0.00%
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0498878852   $0.00 $0.00 0.00%     07/02/2020 XXXXXX $0.00 0.00%
0227320863   $0.00 $0.00 0.00%     01/06/2020 XXXXXX $0.00 0.00%
0171569977   $0.00 $0.00 0.00%     07/11/2020 XXXXXX $0.00 0.00%
0851028019   $0.00 $0.00 0.00%     07/07/2020 XXXXXX $0.00 0.00%
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0655929888   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0898932781   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
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0137339114   $0.00 $0.00 0.00%     07/24/2020 XXXXXX $0.00 0.00%
0908829049   $0.00 $0.00 0.00%     07/03/2020 XXXXXX $0.00 0.00%
0284969421   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0451040857   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0064696048   $0.00 $0.00 0.00%     07/13/2020 XXXXXX XXXXXX -8.27%
0714739945   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0346467100   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0088694095   $0.00 $0.00 0.00%     08/05/2020 XXXXXX $0.00 0.00%
0283839238   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0072023459   $0.00 $0.00 0.00%     07/09/2020 XXXXXX $0.00 0.00%
0451328679   $0.00 $0.00 0.00%     07/09/2020 XXXXXX $0.00 0.00%
0374780613   $0.00 $0.00 0.00%     07/19/2020 XXXXXX $0.00 0.00%
0361654718   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0779867278   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0641506424   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0088803259   $0.00 $0.00 0.00%     07/19/2020 XXXXXX $0.00 0.00%
0948876575   $0.00 $0.00 0.00%     07/08/2020 XXXXXX $0.00 0.00%
0832370919   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0251778131   $0.00 $0.00 0.00%     07/31/2020 XXXXXX XXXXXX 0.91%
0481627096   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0384278169   $0.00 $0.00 0.00%     07/11/2020 XXXXXX $0.00 0.00%
0976987733   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0127753940   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0259354512   $0.00 $0.00 0.00%     07/03/2020 XXXXXX $0.00 0.00%
0247598502   $0.00 $0.00 0.00%     07/28/2020 XXXXXX $0.00 0.00%
0863356847   $0.00 $0.00 0.00%     07/21/2020 XXXXXX $0.00 0.00%
0993695962   $0.00 $0.00 0.00%     07/13/2020 XXXXXX XXXXXX -9.09%
0312267274   $0.00 $0.00 0.00%     07/21/2020 XXXXXX $0.00 0.00%
0347012631   $0.00 $0.00 0.00%     07/15/2020 XXXXXX XXXXXX -8.81%
0949430545   $0.00 $0.00 0.00%     01/31/2020 XXXXXX $0.00 0.00%
0302055195   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0447708412   $0.00 $0.00 0.00%     07/29/2020 XXXXXX $0.00 0.00%
0747876903   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0298450897   $0.00 $0.00 0.00%     07/09/2020 XXXXXX $0.00 0.00%
0131015511   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0906124295   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0392936467   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0523661468   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0818523045   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0813559754   $0.00 $0.00 0.00%     07/15/2020 XXXXXX XXXXXX -10.00%
0019693597   $0.00 $0.00 0.00%     07/22/2020 XXXXXX $0.00 0.00%
0723725595   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0312186098   $0.00 $0.00 0.00%     07/11/2020 XXXXXX $0.00 0.00%
0889286925   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0270514570   $0.00 $0.00 0.00%     07/24/2020 XXXXXX $0.00 0.00%
0295154142   $0.00 $0.00 0.00%     07/21/2020 XXXXXX $0.00 0.00%
0473508077   $0.00 $0.00 0.00%     08/06/2020 XXXXXX $0.00 0.00%
0444967678   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0603616407   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0506388631   $0.00 $0.00 0.00%     07/08/2020 XXXXXX $0.00 0.00%
0894361429   $0.00 $0.00 0.00%     07/21/2020 XXXXXX $0.00 0.00%
0418620572   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0593750468   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0809704197   $0.00 $0.00 0.00%     07/21/2020 XXXXXX $0.00 0.00%
0081533443   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0983899404   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0023717246   $0.00 $0.00 0.00%     08/05/2020 XXXXXX $0.00 0.00%
0467073301   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0568406549   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0349446312   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0277431477   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0179476000   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0756149207   $0.00 $0.00 0.00%     07/28/2020 XXXXXX $0.00 0.00%
0496547413   $0.00 $0.00 0.00%     07/21/2020 XXXXXX $0.00 0.00%
0650027202   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0020255917   $0.00 $0.00 0.00%       XXXXXX $0.00 0.00%
0379428603   $0.00 $0.00 0.00%     07/08/2020 XXXXXX $0.00 0.00%
0431691596   $0.00 $0.00 0.00%     07/19/2020 XXXXXX $0.00 0.00%
0963219080   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0284486263   $0.00 $0.00 0.00%     07/21/2020 XXXXXX $0.00 0.00%
0220866614   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0154347834   $0.00 $0.00 0.00%     07/18/2020 XXXXXX $0.00 0.00%
0663811305   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0250295430   $0.00 $0.00 0.00%     07/22/2020 XXXXXX $0.00 0.00%
0611409279   $0.00 $0.00 0.00%     07/19/2020 XXXXXX $0.00 0.00%
0351542285   $0.00 $0.00 0.00%     07/20/2020 XXXXXX XXXXXX -1.94%
0140924596   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0593007347   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0327241907   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0630130749   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0267452614   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0032521023   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0483504885   $0.00 $0.00 0.00%     07/29/2020 XXXXXX $0.00 0.00%
0594193861   $0.00 $0.00 0.00%     07/06/2020 XXXXXX $0.00 0.00%
0647534571   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0047160022   $0.00 $0.00 0.00%     07/19/2020 XXXXXX $0.00 0.00%
0248003834   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0559042113   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0578003446   $0.00 $0.00 0.00%     07/21/2020 XXXXXX $0.00 0.00%
0776112418   $0.00 $0.00 0.00%     07/11/2020 XXXXXX $0.00 0.00%
0394419552   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0066409759   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0246267980   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0136744927   $0.00 $0.00 0.00%     07/19/2020 XXXXXX $0.00 0.00%
0810831453   $0.00 $0.00 0.00%     07/27/2020 XXXXXX $0.00 0.00%
0922712899   $0.00 $0.00 0.00%     07/20/2020 XXXXXX $0.00 0.00%
0989619385   $0.00 $0.00 0.00%     07/18/2020 XXXXXX $0.00 0.00%
0284474809   $0.00 $0.00 0.00%     07/05/2020 XXXXXX $0.00 0.00%
0182212932   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0165873393   $0.00 $0.00 0.00%     07/21/2020 XXXXXX $0.00 0.00%
0257396349   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0401012357   $0.00 $0.00 0.00%     07/21/2020 XXXXXX $0.00 0.00%
0358054399   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0922512350   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%
0721986455   $0.00 $0.00 0.00%     08/05/2020 XXXXXX $0.00 0.00%
0224364000   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0931169899   $0.00 $0.00 0.00%     07/31/2020 XXXXXX XXXXXX -3.90%
0835118606   $0.00 $0.00 0.00%     07/07/2020 XXXXXX $0.00 0.00%
0535708673   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0233545185   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0870664258   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0093567550   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0946795954   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0714272167   $0.00 $0.00 0.00%     07/23/2020 XXXXXX $0.00 0.00%
0332962239   $0.00 $0.00 0.00%     07/19/2020 XXXXXX $0.00 0.00%
0139540128   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0603795009   $0.00 $0.00 0.00%       XXXXXX $0.00 0.00%
0517537840   $0.00 $0.00 0.00%     07/19/2020 XXXXXX $0.00 0.00%
0879869880   $0.00 $0.00 0.00%     06/10/2020 XXXXXX $0.00 0.00%
0015283393   $0.00 $0.00 0.00%     07/16/2020 XXXXXX $0.00 0.00%
0802840762   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0166311542   $0.00 $0.00 0.00%     07/22/2020 XXXXXX $0.00 0.00%
0307492802   $0.00 $0.00 0.00%     07/13/2020 XXXXXX $0.00 0.00%
0407658248   $0.00 $0.00 0.00%     07/23/2020 XXXXXX XXXXXX -4.27%
0306727754   $0.00 $0.00 0.00%     05/04/2020 XXXXXX $0.00 0.00%
0540193985   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0248166622   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0349428232   $0.00 $0.00 0.00%     07/10/2020 XXXXXX $0.00 0.00%
0224787836   $0.00 $0.00 0.00%     07/12/2020 XXXXXX $0.00 0.00%
0582013272   $0.00 $0.00 0.00%     07/17/2020 XXXXXX $0.00 0.00%
0417719550   $0.00 $0.00 0.00%     07/24/2020 XXXXXX $0.00 0.00%
0087079366   $0.00 $0.00 0.00%     07/05/2020 XXXXXX $0.00 0.00%
0581558893   $0.00 $0.00 0.00%     07/14/2020 XXXXXX $0.00 0.00%
0137434468   $0.00 $0.00 0.00%     07/15/2020 XXXXXX $0.00 0.00%

 

  Second Desk Review Field Review Second Field Review
Alt Loan ID Report Date Value Variance Amount Variance % Report Date Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%)
0989559892   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0138895538   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0930346800   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0801064116   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0576750534   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0977588995   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0661166719   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0027754822   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0202129463   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0583091889   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0798650653   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0043094472   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0604615653   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0938549248   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0911348662   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0902810032   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0695825083   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0691226842   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0134540654   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0262565781   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0172102535   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0729153439   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0911099746   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0350001047   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0213490791   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0763570031   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0234789318   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0464139345   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0356436664   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0802570979   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0790983577   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0331809052   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0610066876   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0844803837   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0888662905   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0353191680   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0338260479   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0437258065   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0135334168   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0755148886   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0050449033   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0705438794   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0800502645   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0650506200   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0591919625   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0559590476   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0102082589   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0399386242   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0854533661   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0047759133   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0645420759   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0746604537   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0336704743   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0940801201   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0317663639   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0147704935   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0167511513   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0820577794   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0068350309   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0829724025   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0783159008   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0501785587   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0276605721   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0110883483   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0979650819   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0941027510   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0805840121   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0894886858   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0889661042   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0688514980   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0589653309   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0512057299   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0717807495   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0916702482   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0076295465   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0951145322   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0967360890   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0249271958   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0657156521   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0842057111   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0972362160   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0336751762   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0549121898   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
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0351542285   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0140924596   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0593007347   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0327241907   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0630130749   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0267452614   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0032521023   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0483504885   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0594193861   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0647534571   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0047160022   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0248003834   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0559042113   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0578003446   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0776112418   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0394419552   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0066409759   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0246267980   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0136744927   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0810831453   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0922712899   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0989619385   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0284474809   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0182212932   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0165873393   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0257396349   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0401012357   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0358054399   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0922512350   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0721986455   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0224364000   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0931169899   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0835118606   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0535708673   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0233545185   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0870664258   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0093567550   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0946795954   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0714272167   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0332962239   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0139540128   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0603795009   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0517537840   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0879869880   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0015283393   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0802840762   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0166311542   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0307492802   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0407658248   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0306727754   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0540193985   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0248166622   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0349428232   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0224787836   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0582013272   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0417719550   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0087079366   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0581558893   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0137434468   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%

 

  1004 SFR (Mar 05) 2055 Ext Only (Mar 05) BPO (Broker Price Opinion)
Alt Loan ID Report Date Value Variance Amount Variance (%) Report Date Report Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%)
0989559892   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0138895538   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0930346800   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0801064116   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0576750534   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0977588995   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0661166719   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0027754822   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0202129463   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0583091889   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0798650653   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0043094472   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0604615653   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0938549248   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0911348662   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0902810032   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0695825083   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0691226842   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0134540654   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0262565781   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0172102535   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0729153439   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0911099746   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0350001047   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0213490791   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0763570031   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0234789318   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0464139345   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0356436664   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0802570979   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0790983577   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0331809052   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0610066876   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0844803837   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0888662905   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0353191680   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0338260479   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0437258065   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0135334168   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0755148886   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0050449033   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0705438794   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0800502645   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0650506200   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0591919625   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0559590476   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0102082589   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0399386242   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0854533661   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0047759133   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0645420759   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0746604537   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0336704743   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0940801201   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0317663639   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0147704935   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0167511513   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0820577794   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0068350309   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0829724025   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0783159008   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0501785587   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0276605721   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0110883483   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0979650819   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0941027510   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0805840121   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0894886858   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0889661042   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0688514980   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0589653309   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0512057299   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0717807495   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0916702482   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0076295465   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0951145322   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0967360890   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0249271958   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0657156521   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0842057111   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0972362160   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0336751762   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0549121898   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0883771089   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0908902903   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0908349057   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0466446164   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0049608561   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0924177369   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0575771080   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0083134983   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0529327719   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0420380621   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0863486295   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0835619778   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0151427407   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0512298226   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0592054167   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0157476532   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0686444542   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0223763003   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0340006234   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0765715424   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0144754849   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0507890863   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0619370106   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0681239646   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0975382897   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0427546599   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0541846382   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0557215627   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0767536451   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0229532881   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0330130341   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0393404205   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0243700276   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0211507519   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0593597731   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0824597255   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0152477270   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
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0714272167   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0332962239   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0139540128   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0603795009   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0517537840   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0879869880   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0015283393   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0802840762   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0166311542   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0307492802   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0407658248   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0306727754   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0540193985   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0248166622   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0349428232   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0224787836   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0582013272   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0417719550   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0087079366   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0581558893   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%
0137434468   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%

 

  Other AUS Information
Alt Loan ID Other - Valuation Type Report Date Value Variance Amount Variance (%) CU Score
0989559892     $0.00 $0.00 0.00%  
0138895538     $0.00 $0.00 0.00%  
0930346800     $0.00 $0.00 0.00%  
0801064116     $0.00 $0.00 0.00%  
0576750534     $0.00 $0.00 0.00%  
0977588995     $0.00 $0.00 0.00%  
0661166719     $0.00 $0.00 0.00%  
0027754822     $0.00 $0.00 0.00%  
0202129463     $0.00 $0.00 0.00%  
0583091889     $0.00 $0.00 0.00%  
0798650653     $0.00 $0.00 0.00%  
0043094472     $0.00 $0.00 0.00%  
0604615653     $0.00 $0.00 0.00%  
0938549248     $0.00 $0.00 0.00%  
0911348662     $0.00 $0.00 0.00%  
0902810032     $0.00 $0.00 0.00%  
0695825083     $0.00 $0.00 0.00%  
0691226842     $0.00 $0.00 0.00%  
0134540654     $0.00 $0.00 0.00%  
0262565781     $0.00 $0.00 0.00%  
0172102535     $0.00 $0.00 0.00%  
0729153439     $0.00 $0.00 0.00%  
0911099746     $0.00 $0.00 0.00%  
0350001047     $0.00 $0.00 0.00%  
0213490791     $0.00 $0.00 0.00%  
0763570031     $0.00 $0.00 0.00%  
0234789318     $0.00 $0.00 0.00%  
0464139345     $0.00 $0.00 0.00%  
0356436664     $0.00 $0.00 0.00%  
0802570979     $0.00 $0.00 0.00%  
0790983577     $0.00 $0.00 0.00%  
0331809052     $0.00 $0.00 0.00%  
0610066876     $0.00 $0.00 0.00%  
0844803837     $0.00 $0.00 0.00%  
0888662905     $0.00 $0.00 0.00%  
0353191680     $0.00 $0.00 0.00%  
0338260479     $0.00 $0.00 0.00%  
0437258065     $0.00 $0.00 0.00%  
0135334168     $0.00 $0.00 0.00%  
0755148886     $0.00 $0.00 0.00%  
0050449033     $0.00 $0.00 0.00%  
0705438794     $0.00 $0.00 0.00%  
0800502645     $0.00 $0.00 0.00%  
0650506200     $0.00 $0.00 0.00%  
0591919625     $0.00 $0.00 0.00%  
0559590476     $0.00 $0.00 0.00%  
0102082589     $0.00 $0.00 0.00%  
0399386242     $0.00 $0.00 0.00%  
0854533661     $0.00 $0.00 0.00%  
0047759133     $0.00 $0.00 0.00%  
0645420759     $0.00 $0.00 0.00%  
0746604537     $0.00 $0.00 0.00%  
0336704743     $0.00 $0.00 0.00%  
0940801201     $0.00 $0.00 0.00%  
0317663639     $0.00 $0.00 0.00%  
0147704935     $0.00 $0.00 0.00%  
0167511513     $0.00 $0.00 0.00%  
0820577794     $0.00 $0.00 0.00%  
0068350309     $0.00 $0.00 0.00%  
0829724025     $0.00 $0.00 0.00%  
0783159008     $0.00 $0.00 0.00%  
0501785587     $0.00 $0.00 0.00%  
0276605721     $0.00 $0.00 0.00%  
0110883483     $0.00 $0.00 0.00%  
0979650819     $0.00 $0.00 0.00%  
0941027510     $0.00 $0.00 0.00%  
0805840121     $0.00 $0.00 0.00%  
0894886858     $0.00 $0.00 0.00%  
0889661042     $0.00 $0.00 0.00%  
0688514980     $0.00 $0.00 0.00%  
0589653309     $0.00 $0.00 0.00%  
0512057299     $0.00 $0.00 0.00%  
0717807495     $0.00 $0.00 0.00%  
0916702482     $0.00 $0.00 0.00%  
0076295465     $0.00 $0.00 0.00%  
0951145322     $0.00 $0.00 0.00%  
0967360890     $0.00 $0.00 0.00%  
0249271958     $0.00 $0.00 0.00%  
0657156521     $0.00 $0.00 0.00%  
0842057111     $0.00 $0.00 0.00%  
0972362160     $0.00 $0.00 0.00%  
0336751762     $0.00 $0.00 0.00%  
0549121898     $0.00 $0.00 0.00%  
0883771089     $0.00 $0.00 0.00%  
0908902903     $0.00 $0.00 0.00%  
0908349057     $0.00 $0.00 0.00%  
0466446164     $0.00 $0.00 0.00%  
0049608561     $0.00 $0.00 0.00%  
0924177369     $0.00 $0.00 0.00%  
0575771080     $0.00 $0.00 0.00%  
0083134983     $0.00 $0.00 0.00%  
0529327719     $0.00 $0.00 0.00%  
0420380621     $0.00 $0.00 0.00%  
0863486295     $0.00 $0.00 0.00%  
0835619778     $0.00 $0.00 0.00%  
0151427407     $0.00 $0.00 0.00%  
0512298226     $0.00 $0.00 0.00%  
0592054167     $0.00 $0.00 0.00%  
0157476532 Reconciliation 07/26/2020 XXXXXX XXXXXX 3.45%  
0686444542     $0.00 $0.00 0.00%  
0223763003     $0.00 $0.00 0.00%  
0340006234     $0.00 $0.00 0.00%  
0765715424     $0.00 $0.00 0.00%  
0144754849     $0.00 $0.00 0.00%  
0507890863     $0.00 $0.00 0.00%  
0619370106     $0.00 $0.00 0.00%  
0681239646     $0.00 $0.00 0.00%  
0975382897     $0.00 $0.00 0.00%  
0427546599     $0.00 $0.00 0.00%  
0541846382     $0.00 $0.00 0.00%  
0557215627     $0.00 $0.00 0.00%  
0767536451     $0.00 $0.00 0.00%  
0229532881     $0.00 $0.00 0.00%  
0330130341     $0.00 $0.00 0.00%  
0393404205     $0.00 $0.00 0.00%  
0243700276     $0.00 $0.00 0.00%  
0211507519     $0.00 $0.00 0.00%  
0593597731     $0.00 $0.00 0.00%  
0824597255     $0.00 $0.00 0.00%  
0152477270     $0.00 $0.00 0.00%  
0617386511     $0.00 $0.00 0.00%  
0271765126     $0.00 $0.00 0.00%  
0315630716     $0.00 $0.00 0.00%  
0267572469     $0.00 $0.00 0.00%  
0393925198     $0.00 $0.00 0.00%  
0902968480     $0.00 $0.00 0.00%  
0336214054     $0.00 $0.00 0.00%  
0888134155     $0.00 $0.00 0.00%  
0855254554     $0.00 $0.00 0.00%  
0735665344     $0.00 $0.00 0.00%  
0299768337     $0.00 $0.00 0.00%  
0468358296     $0.00 $0.00 0.00%  
0869490873     $0.00 $0.00 0.00%  
0704643411     $0.00 $0.00 0.00%  
0955505892     $0.00 $0.00 0.00%  
0998097884     $0.00 $0.00 0.00%  
0824256616     $0.00 $0.00 0.00%  
0494500301     $0.00 $0.00 0.00%  
0923368444     $0.00 $0.00 0.00%  
0072121700     $0.00 $0.00 0.00%  
0588763561     $0.00 $0.00 0.00%  
0365530848     $0.00 $0.00 0.00%  
0387275117     $0.00 $0.00 0.00%  
0420339769     $0.00 $0.00 0.00%  
0467160944     $0.00 $0.00 0.00%  
0539743860     $0.00 $0.00 0.00%  
0534338092     $0.00 $0.00 0.00%  
0627604858     $0.00 $0.00 0.00%  
0753650918     $0.00 $0.00 0.00%  
0743597901     $0.00 $0.00 0.00%  
0782717819     $0.00 $0.00 0.00%  
0090997904     $0.00 $0.00 0.00%  
0924294069     $0.00 $0.00 0.00%  
0226888709     $0.00 $0.00 0.00%  
0012825112     $0.00 $0.00 0.00%  
0308520016     $0.00 $0.00 0.00%  
0135303608     $0.00 $0.00 0.00%  
0688892413     $0.00 $0.00 0.00%  
0427664424     $0.00 $0.00 0.00%  
0869042615     $0.00 $0.00 0.00%  
0830258685     $0.00 $0.00 0.00%  
0600281900     $0.00 $0.00 0.00%  
0288333312     $0.00 $0.00 0.00%  
0072967530     $0.00 $0.00 0.00%  
0581334006     $0.00 $0.00 0.00%  
0296899056     $0.00 $0.00 0.00%  
0812480341     $0.00 $0.00 0.00%  
0030803564     $0.00 $0.00 0.00%  
0992745387     $0.00 $0.00 0.00%  
0263676094     $0.00 $0.00 0.00%  
0794863072     $0.00 $0.00 0.00%  
0455347097     $0.00 $0.00 0.00%  
0060223626     $0.00 $0.00 0.00%  
0603795050     $0.00 $0.00 0.00%  
0393821377     $0.00 $0.00 0.00%  
0032308265     $0.00 $0.00 0.00%  
0173011766     $0.00 $0.00 0.00%  
0160805595     $0.00 $0.00 0.00%  
0164169124     $0.00 $0.00 0.00%  
0321682861     $0.00 $0.00 0.00%  
0266332566     $0.00 $0.00 0.00%  
0923174486     $0.00 $0.00 0.00%  
0448045178     $0.00 $0.00 0.00%  
0022196177     $0.00 $0.00 0.00%  
0417818039     $0.00 $0.00 0.00%  
0237859061     $0.00 $0.00 0.00%  
0160708658     $0.00 $0.00 0.00%  
0720796530     $0.00 $0.00 0.00%  
0477679524     $0.00 $0.00 0.00%  
0744499361     $0.00 $0.00 0.00%  
0975573299     $0.00 $0.00 0.00%  
0843927182     $0.00 $0.00 0.00%  
0775509339     $0.00 $0.00 0.00%  
0749205092     $0.00 $0.00 0.00%  
0816593315     $0.00 $0.00 0.00%  
0535167466     $0.00 $0.00 0.00%  
0986529188     $0.00 $0.00 0.00%  
0413212740     $0.00 $0.00 0.00%  
0923078250     $0.00 $0.00 0.00%  
0259008881     $0.00 $0.00 0.00%  
0645299722     $0.00 $0.00 0.00%  
0498172094     $0.00 $0.00 0.00%  
0901376930     $0.00 $0.00 0.00%  
0042771531     $0.00 $0.00 0.00%  
0781622595     $0.00 $0.00 0.00%  
0031110663     $0.00 $0.00 0.00%  
0483773242     $0.00 $0.00 0.00%  
0098944585     $0.00 $0.00 0.00%  
0025870633 Reconciliation 07/22/2020 XXXXXX $0.00 0.00%  
0655475927     $0.00 $0.00 0.00%  
0181741021     $0.00 $0.00 0.00%  
0850369105     $0.00 $0.00 0.00%  
0575789424     $0.00 $0.00 0.00%  
0729802768     $0.00 $0.00 0.00%  
0864403324     $0.00 $0.00 0.00%  
0650893622     $0.00 $0.00 0.00%  
0565425587     $0.00 $0.00 0.00%  
0305255025     $0.00 $0.00 0.00%  
0537128109     $0.00 $0.00 0.00%  
0073212779     $0.00 $0.00 0.00%  
0359158284     $0.00 $0.00 0.00%  
0280985754     $0.00 $0.00 0.00%  
0087507151     $0.00 $0.00 0.00%  
0867809857     $0.00 $0.00 0.00%  
0481250894     $0.00 $0.00 0.00%  
0189235461     $0.00 $0.00 0.00%  
0343669753     $0.00 $0.00 0.00%  
0961386015     $0.00 $0.00 0.00%  
0859339038     $0.00 $0.00 0.00%  
0222048694     $0.00 $0.00 0.00%  
0150859989     $0.00 $0.00 0.00%  
0068334099     $0.00 $0.00 0.00%  
0215045432     $0.00 $0.00 0.00%  
0369212685     $0.00 $0.00 0.00%  
0227560373     $0.00 $0.00 0.00%  
0063703620     $0.00 $0.00 0.00%  
0839053422     $0.00 $0.00 0.00%  
0998683185     $0.00 $0.00 0.00%  
0357786446     $0.00 $0.00 0.00%  
0363896441     $0.00 $0.00 0.00%  
0133938555     $0.00 $0.00 0.00%  
0715819827     $0.00 $0.00 0.00%  
0568261939     $0.00 $0.00 0.00%  
0965334319     $0.00 $0.00 0.00%  
0352713344     $0.00 $0.00 0.00%  
0966454336     $0.00 $0.00 0.00%  
0358557373     $0.00 $0.00 0.00%  
0001442055     $0.00 $0.00 0.00%  
0516730458     $0.00 $0.00 0.00%  
0556210574     $0.00 $0.00 0.00%  
0083754076     $0.00 $0.00 0.00%  
0511638147     $0.00 $0.00 0.00%  
0470845533     $0.00 $0.00 0.00%  
0845113102     $0.00 $0.00 0.00%  
0909799015     $0.00 $0.00 0.00%  
0954146301     $0.00 $0.00 0.00%  
0301448136     $0.00 $0.00 0.00%  
0319401242     $0.00 $0.00 0.00%  
0041594573     $0.00 $0.00 0.00%  
0172165607     $0.00 $0.00 0.00%  
0908976681     $0.00 $0.00 0.00%  
0240597962     $0.00 $0.00 0.00%  
0903520123     $0.00 $0.00 0.00%  
0782930932     $0.00 $0.00 0.00%  
0203802152     $0.00 $0.00 0.00%  
0800890714     $0.00 $0.00 0.00%  
0481098853     $0.00 $0.00 0.00%  
0004919861     $0.00 $0.00 0.00%  
0891521076     $0.00 $0.00 0.00%  
0595336838     $0.00 $0.00 0.00%  
0501051732     $0.00 $0.00 0.00%  
0455606617     $0.00 $0.00 0.00%  
0746575679     $0.00 $0.00 0.00%  
0649420457     $0.00 $0.00 0.00%  
0648759196     $0.00 $0.00 0.00%  
0900495366     $0.00 $0.00 0.00%  
0808367638     $0.00 $0.00 0.00%  
0838672433     $0.00 $0.00 0.00%  
0635074062     $0.00 $0.00 0.00%  
0471622594     $0.00 $0.00 0.00%  
0945610940     $0.00 $0.00 0.00%  
0863192131     $0.00 $0.00 0.00%  
0259971862     $0.00 $0.00 0.00%  
0409719200     $0.00 $0.00 0.00%  
0127493789     $0.00 $0.00 0.00%  
0318458926     $0.00 $0.00 0.00%  
0643005829     $0.00 $0.00 0.00%  
0628792308     $0.00 $0.00 0.00%  
0062463718     $0.00 $0.00 0.00%  
0052669848     $0.00 $0.00 0.00%  
0669124532     $0.00 $0.00 0.00%  
0168918329     $0.00 $0.00 0.00%  
0769257041     $0.00 $0.00 0.00%  
0258703215     $0.00 $0.00 0.00%  
0517855345     $0.00 $0.00 0.00%  
0309196218     $0.00 $0.00 0.00%  
0048994182     $0.00 $0.00 0.00%  
0738586526     $0.00 $0.00 0.00%  
0053710878     $0.00 $0.00 0.00%  
0825011780     $0.00 $0.00 0.00%  
0506422525     $0.00 $0.00 0.00%  
0861021130     $0.00 $0.00 0.00%  
0979923763     $0.00 $0.00 0.00%  
0837623139     $0.00 $0.00 0.00%  
0759561368     $0.00 $0.00 0.00%  
0474592069     $0.00 $0.00 0.00%  
0605906999     $0.00 $0.00 0.00%  
0861695041     $0.00 $0.00 0.00%  
0750667513     $0.00 $0.00 0.00%  
0095525438     $0.00 $0.00 0.00%  
0029264920     $0.00 $0.00 0.00%  
0019537061     $0.00 $0.00 0.00%  
0949091765     $0.00 $0.00 0.00%  
0752727842     $0.00 $0.00 0.00%  
0809909838     $0.00 $0.00 0.00%  
0862687034     $0.00 $0.00 0.00%  
0739437895     $0.00 $0.00 0.00%  
0972681508     $0.00 $0.00 0.00%  
0391394779     $0.00 $0.00 0.00%  
0278309532     $0.00 $0.00 0.00%  
0551384264     $0.00 $0.00 0.00%  
0889799209     $0.00 $0.00 0.00%  
0939621352     $0.00 $0.00 0.00%  
0862681616 Reconciliation 08/07/2020 XXXXXX XXXXXX -6.08%  
0488572485     $0.00 $0.00 0.00%  
0522380796     $0.00 $0.00 0.00%  
0459057085     $0.00 $0.00 0.00%  
0325556072     $0.00 $0.00 0.00%  
0661663742     $0.00 $0.00 0.00%  
0052080528     $0.00 $0.00 0.00%  
0707139484     $0.00 $0.00 0.00%  
0159110748     $0.00 $0.00 0.00%  
0074332767     $0.00 $0.00 0.00%  
0632889358     $0.00 $0.00 0.00%  
0139809996     $0.00 $0.00 0.00%  
0697553452     $0.00 $0.00 0.00%  
0993638557     $0.00 $0.00 0.00%  
0802433600     $0.00 $0.00 0.00%  
0897391047     $0.00 $0.00 0.00%  
0674283670     $0.00 $0.00 0.00%  
0498048106 Reconciliation 07/28/2020 XXXXXX XXXXXX -2.84%  
0236599301     $0.00 $0.00 0.00%  
0033741212     $0.00 $0.00 0.00%  
0912854435     $0.00 $0.00 0.00%  
0119533286     $0.00 $0.00 0.00%  
0145282348     $0.00 $0.00 0.00%  
0897857613     $0.00 $0.00 0.00%  
0184615918     $0.00 $0.00 0.00%  
0469198638     $0.00 $0.00 0.00%  
0293495899     $0.00 $0.00 0.00%  
0635473695     $0.00 $0.00 0.00%  
0735642413     $0.00 $0.00 0.00%  
0498878852     $0.00 $0.00 0.00%  
0227320863     $0.00 $0.00 0.00%  
0171569977     $0.00 $0.00 0.00%  
0851028019     $0.00 $0.00 0.00%  
0946319222     $0.00 $0.00 0.00%  
0516136877     $0.00 $0.00 0.00%  
0655929888     $0.00 $0.00 0.00%  
0898932781     $0.00 $0.00 0.00%  
0799073100     $0.00 $0.00 0.00%  
0853303055     $0.00 $0.00 0.00%  
0563172167     $0.00 $0.00 0.00%  
0137339114     $0.00 $0.00 0.00%  
0908829049     $0.00 $0.00 0.00%  
0284969421     $0.00 $0.00 0.00%  
0451040857     $0.00 $0.00 0.00%  
0064696048     $0.00 $0.00 0.00%  
0714739945     $0.00 $0.00 0.00%  
0346467100     $0.00 $0.00 0.00%  
0088694095     $0.00 $0.00 0.00%  
0283839238     $0.00 $0.00 0.00%  
0072023459     $0.00 $0.00 0.00%  
0451328679     $0.00 $0.00 0.00%  
0374780613     $0.00 $0.00 0.00%  
0361654718     $0.00 $0.00 0.00%  
0779867278     $0.00 $0.00 0.00%  
0641506424     $0.00 $0.00 0.00%  
0088803259     $0.00 $0.00 0.00%  
0948876575     $0.00 $0.00 0.00%  
0832370919     $0.00 $0.00 0.00%  
0251778131     $0.00 $0.00 0.00%  
0481627096     $0.00 $0.00 0.00%  
0384278169     $0.00 $0.00 0.00%  
0976987733     $0.00 $0.00 0.00%  
0127753940     $0.00 $0.00 0.00%  
0259354512     $0.00 $0.00 0.00%  
0247598502     $0.00 $0.00 0.00%  
0863356847     $0.00 $0.00 0.00%  
0993695962     $0.00 $0.00 0.00%  
0312267274     $0.00 $0.00 0.00%  
0347012631     $0.00 $0.00 0.00%  
0949430545     $0.00 $0.00 0.00%  
0302055195     $0.00 $0.00 0.00%  
0447708412     $0.00 $0.00 0.00%  
0747876903     $0.00 $0.00 0.00%  
0298450897     $0.00 $0.00 0.00%  
0131015511     $0.00 $0.00 0.00%  
0906124295     $0.00 $0.00 0.00%  
0392936467     $0.00 $0.00 0.00%  
0523661468     $0.00 $0.00 0.00%  
0818523045     $0.00 $0.00 0.00%  
0813559754     $0.00 $0.00 0.00%  
0019693597     $0.00 $0.00 0.00%  
0723725595     $0.00 $0.00 0.00%  
0312186098     $0.00 $0.00 0.00%  
0889286925     $0.00 $0.00 0.00%  
0270514570     $0.00 $0.00 0.00%  
0295154142     $0.00 $0.00 0.00%  
0473508077     $0.00 $0.00 0.00%  
0444967678     $0.00 $0.00 0.00%  
0603616407     $0.00 $0.00 0.00%  
0506388631     $0.00 $0.00 0.00%  
0894361429     $0.00 $0.00 0.00%  
0418620572     $0.00 $0.00 0.00%  
0593750468     $0.00 $0.00 0.00%  
0809704197     $0.00 $0.00 0.00%  
0081533443     $0.00 $0.00 0.00%  
0983899404     $0.00 $0.00 0.00%  
0023717246     $0.00 $0.00 0.00%  
0467073301     $0.00 $0.00 0.00%  
0568406549     $0.00 $0.00 0.00%  
0349446312     $0.00 $0.00 0.00%  
0277431477     $0.00 $0.00 0.00%  
0179476000     $0.00 $0.00 0.00%  
0756149207     $0.00 $0.00 0.00%  
0496547413     $0.00 $0.00 0.00%  
0650027202     $0.00 $0.00 0.00%  
0020255917 Reconciliation 08/04/2020 XXXXXX XXXXXX 8.53%  
0379428603     $0.00 $0.00 0.00%  
0431691596     $0.00 $0.00 0.00%  
0963219080     $0.00 $0.00 0.00%  
0284486263     $0.00 $0.00 0.00%  
0220866614     $0.00 $0.00 0.00%  
0154347834     $0.00 $0.00 0.00%  
0663811305     $0.00 $0.00 0.00%  
0250295430     $0.00 $0.00 0.00%  
0611409279     $0.00 $0.00 0.00%  
0351542285     $0.00 $0.00 0.00%  
0140924596     $0.00 $0.00 0.00%  
0593007347     $0.00 $0.00 0.00%  
0327241907     $0.00 $0.00 0.00%  
0630130749     $0.00 $0.00 0.00%  
0267452614     $0.00 $0.00 0.00%  
0032521023     $0.00 $0.00 0.00%  
0483504885     $0.00 $0.00 0.00%  
0594193861     $0.00 $0.00 0.00%  
0647534571     $0.00 $0.00 0.00%  
0047160022     $0.00 $0.00 0.00%  
0248003834     $0.00 $0.00 0.00%  
0559042113     $0.00 $0.00 0.00%  
0578003446     $0.00 $0.00 0.00%  
0776112418     $0.00 $0.00 0.00%  
0394419552     $0.00 $0.00 0.00%  
0066409759     $0.00 $0.00 0.00%  
0246267980     $0.00 $0.00 0.00%  
0136744927     $0.00 $0.00 0.00%  
0810831453     $0.00 $0.00 0.00%  
0922712899     $0.00 $0.00 0.00%  
0989619385     $0.00 $0.00 0.00%  
0284474809     $0.00 $0.00 0.00%  
0182212932     $0.00 $0.00 0.00%  
0165873393     $0.00 $0.00 0.00%  
0257396349     $0.00 $0.00 0.00%  
0401012357     $0.00 $0.00 0.00%  
0358054399     $0.00 $0.00 0.00%  
0922512350     $0.00 $0.00 0.00%  
0721986455     $0.00 $0.00 0.00%  
0224364000     $0.00 $0.00 0.00%  
0931169899     $0.00 $0.00 0.00%  
0835118606     $0.00 $0.00 0.00%  
0535708673     $0.00 $0.00 0.00%  
0233545185     $0.00 $0.00 0.00%  
0870664258     $0.00 $0.00 0.00%  
0093567550     $0.00 $0.00 0.00%  
0946795954     $0.00 $0.00 0.00%  
0714272167     $0.00 $0.00 0.00%  
0332962239     $0.00 $0.00 0.00%  
0139540128     $0.00 $0.00 0.00%  
0603795009 Reconciliation 07/22/2020 XXXXXX $0.00 0.00%  
0517537840     $0.00 $0.00 0.00%  
0879869880     $0.00 $0.00 0.00%  
0015283393     $0.00 $0.00 0.00%  
0802840762     $0.00 $0.00 0.00%  
0166311542     $0.00 $0.00 0.00%  
0307492802     $0.00 $0.00 0.00%  
0407658248     $0.00 $0.00 0.00%  
0306727754     $0.00 $0.00 0.00%  
0540193985     $0.00 $0.00 0.00%  
0248166622     $0.00 $0.00 0.00%  
0349428232     $0.00 $0.00 0.00%  
0224787836     $0.00 $0.00 0.00%  
0582013272     $0.00 $0.00 0.00%  
0417719550     $0.00 $0.00 0.00%  
0087079366     $0.00 $0.00 0.00%  
0581558893     $0.00 $0.00 0.00%  
0137434468     $0.00 $0.00 0.00%  

 

 

 

EX-99.5 6 tm2031812d1_ex99-5.htm CLAYTON CONDITIONS REPORT

 

Exhibit 99.5

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-5
Start - End Dates: 12.2019 TO 8.2020
Deal Loan Count: 497
   
         
Conditions Report 2.0
         
Loans in Report: 497
Loans with Conditions: 280

 

27 - Total Active Conditions
  1 - Material Conditions
      1 - Property Valuations Review Scope
        1 - Category: Value
  26 - Non-Material Conditions
      18 - Credit Review Scope
        1 - Category: Application
        4 - Category: Assets
        5 - Category: Credit/Mtg History
        3 - Category: Income/Employment
        5 - Category: Terms/Guidelines
      8 - Compliance Review Scope
        2 - Category: Borrower's Interest
        1 - Category: RESPA
        4 - Category: Right of Rescission 
        1 - Category: TILA/RESPA Integrated Disclosure
321 - Total Satisfied Conditions
             
      23 - Credit Review Scope
        1 - Category: Application
        3 - Category: Assets
        3 - Category: Credit/Mtg History
        4 - Category: DTI
        3 - Category: Income/Employment
        2 - Category: Insurance
        6 - Category: Legal Documents
        1 - Category: Terms/Guidelines
      2 - Property Valuations Review Scope
        2 - Category: Value
      296 - Compliance Review Scope
        11 - Category: Ability to Repay/Qualified Mortgage
        2 - Category: Documentation
        1 - Category: Finance Charge Tolerance
        3 - Category: Right of Rescission 
        279 - Category: TILA/RESPA Integrated Disclosure
0 - Total Waived Conditions

 

 

 






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

 

 

 

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-5
Start - End Dates: 12.2019 TO 8.2020
Deal Loan Count: 497
   
       
Conditions Report 2.0
       
Loans in Report: 497
Loans with Conditions: 280

 

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
0989559892 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0138895538 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0930346800 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0801064116 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0576750534 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0977588995 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0661166719 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0027754822 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0202129463 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0583091889 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C A A A
0583091889 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C A A A
0583091889 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C A A A
0798650653 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A
0798650653 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A
0798650653 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A
0798650653 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A
0043094472 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0604615653 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0938549248 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A C A
0911348662 XXXXXX WI QM: Safe Harbor QM: Safe Harbor A A A A
0902810032 XXXXXX SC QM: Safe Harbor QM: Safe Harbor B B B B
0902810032 XXXXXX SC QM: Safe Harbor QM: Safe Harbor B B B B
0695825083 XXXXXX MT QM: Safe Harbor QM: Safe Harbor D A D A
0695825083 XXXXXX MT QM: Safe Harbor QM: Safe Harbor D A D A
0691226842 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0134540654 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0134540654 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0262565781 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0172102535 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0729153439 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0911099746 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A
0350001047 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A
0213490791 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0763570031 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B B B
0763570031 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B B B
0234789318 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A
0464139345 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0356436664 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0802570979 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0790983577 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0331809052 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0610066876 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0844803837 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0888662905 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0353191680 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0338260479 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0437258065 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A
0135334168 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0755148886 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A
0050449033 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0705438794 XXXXXX HI QM: Safe Harbor QM: Safe Harbor A A A A
0800502645 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0650506200 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0591919625 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0559590476 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0102082589 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0399386242 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0854533661 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0047759133 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0645420759 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B B B
0645420759 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B B B
0746604537 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0336704743 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0940801201 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0317663639 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0147704935 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0167511513 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0820577794 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0068350309 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0829724025 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0783159008 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A
0501785587 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0276605721 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0110883483 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0979650819 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0941027510 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A
0805840121 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0894886858 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A
0889661042 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0688514980 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0589653309 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0512057299 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor C A C A
0512057299 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor C A C A
0717807495 XXXXXX MO QM: Safe Harbor QM: Safe Harbor A A A A
0916702482 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0916702482 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0076295465 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0951145322 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0967360890 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0249271958 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0657156521 XXXXXX SC QM: Safe Harbor QM: Safe Harbor A A A A
0842057111 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0972362160 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A
0336751762 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0549121898 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0549121898 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0883771089 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0908902903 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0908349057 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0466446164 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A
0049608561 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0924177369 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C A A A
0924177369 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C A A A
0575771080 XXXXXX CT QM: Safe Harbor QM: Safe Harbor A A A A
0083134983 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A
0529327719 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0420380621 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0863486295 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0835619778 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0151427407 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0512298226 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0592054167 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0157476532 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B B B
0686444542 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0223763003 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0340006234 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0340006234 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0765715424 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0144754849 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0507890863 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0619370106 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B
0681239646 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0975382897 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0427546599 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0541846382 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0557215627 XXXXXX NV QM: Safe Harbor QM: Safe Harbor A A A A
0767536451 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0229532881 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0330130341 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0330130341 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0393404205 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0243700276 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0243700276 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0211507519 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0593597731 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0824597255 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0152477270 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0617386511 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0617386511 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0271765126 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A
0271765126 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A
0315630716 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0267572469 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0393925198 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0902968480 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0336214054 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0888134155 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0855254554 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A
0735665344 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0299768337 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0299768337 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0468358296 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A A A
0468358296 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A A A
0869490873 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0704643411 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0955505892 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0955505892 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0955505892 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0998097884 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0824256616 XXXXXX WI QM: Safe Harbor QM: Safe Harbor A A A A
0494500301 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0923368444 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A
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0523661468 A A A A A A A A
0818523045 A A B B B B B B
0818523045 A A B B B B B B
0813559754 A A A A A A A A
0019693597 A A A A A A A A
0723725595 A A A A A A A A
0312186098 A A A A A A A A
0889286925 A A A A A A A A
0270514570 A A A A A A A A
0295154142 A A A A A A A A
0295154142 A A A A A A A A
0473508077 A A A A A A A A
0444967678 A A A A A A A A
0603616407 A A A A A A A A
0506388631 A A A A A A A A
0894361429 A A A A A A A A
0418620572 A A A A A A A A
0593750468 A A D A D A D A
0593750468 A A D A D A D A
0809704197 A A A A A A A A
0081533443 A A A A A A A A
0983899404 A A A A A A A A
0023717246 A A A A A A A A
0467073301 A A A A A A A A
0568406549 A A A A A A A A
0349446312 A A A A A A A A
0277431477 A A A A A A A A
0179476000 A A A A A A A A
0756149207 A A B B B B A A
0496547413 A A A A A A A A
0650027202 A A A A A A A A
0020255917 A A A A A A A A
0379428603 A A A A A A A A
0431691596 A A A A A A A A
0963219080 A A A A B B B B
0284486263 A A A A A A A A
0220866614 A A A A A A A A
0154347834 A A A A A A A A
0663811305 A A A A A A A A
0250295430 A A A A A A A A
0611409279 A A A A A A A A
0351542285 A A A A A A A A
0140924596 A A A A A A A A
0593007347 A A A A A A A A
0327241907 A A A A A A A A
0630130749 A A A A A A A A
0267452614 A A A A A A A A
0032521023 A A A A A A A A
0483504885 A A A A A A A A
0594193861 A A D A D A C A
0594193861 A A D A D A C A
0594193861 A A D A D A C A
0647534571 A A A A A A A A
0047160022 A A A A A A A A
0248003834 A A A A A A A A
0559042113 A A A A A A A A
0578003446 A A A A A A A A
0776112418 A A D A D A A A
0394419552 A A A A A A A A
0066409759 A A A A A A A A
0246267980 A A A A B B B B
0136744927 A A A A A A A A
0810831453 A A A A A A A A
0922712899 A A A A A A A A
0989619385 A A B B B B A A
0284474809 A A A A A A A A
0182212932 A A A A A A A A
0165873393 A A A A A A A A
0165873393 A A A A A A A A
0257396349 A A A A A A A A
0401012357 A A A A A A A A
0358054399 A A A A A A A A
0922512350 A A A A B B B B
0922512350 A A A A B B B B
0721986455 A A A A A A A A
0224364000 A A A A A A A A
0931169899 A A A A A A A A
0835118606 A A A A A A A A
0535708673 A A A A B B B B
0233545185 A A A A A A A A
0870664258 A A A A A A A A
0093567550 A A A A A A A A
0946795954 A A A A A A A A
0714272167 A A A A A A A A
0332962239 A A A A A A A A
0139540128 A A A A A A A A
0139540128 A A A A A A A A
0603795009 A A A A A A A A
0517537840 A A A A A A A A
0879869880 A A A A A A A A
0015283393 A A A A A A A A
0802840762 A A A A A A A A
0166311542 A A A A A A A A
0307492802 A A A A A A A A
0307492802 A A A A A A A A
0407658248 A A A A A A A A
0306727754 A A A A A A A A
0540193985 A A A A A A A A
0248166622 A A A A A A A A
0349428232 A A A A A A A A
0224787836 A A A A A A A A
0582013272 A A A A A A A A
0582013272 A A A A A A A A
0417719550 A A A A A A A A
0087079366 A A A A A A A A
0087079366 A A A A A A A A
0581558893 A A A A A A A A
0137434468 A A A A A A A A

 

Alt Loan Number Initial S&P Property Valuations Loan Grade Final S&P Property Valuations Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Condition Category Condition Sub Category Condition Status
0989559892 A A A A      
0138895538 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0930346800 A A A A      
0801064116 A A A A      
0576750534 A A A A      
0977588995 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0661166719 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0027754822 A A A A      
0202129463 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0583091889 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0583091889 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0583091889 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0798650653 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0798650653 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0798650653 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0798650653 A A D A Credit Legal Documents Satisfied
0043094472 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0604615653 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0938549248 A A A A Credit Insurance Satisfied
0911348662 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0902810032 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0902810032 A A A A Credit Income/Employment Active
0695825083 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0695825083 A A D A Credit Credit/Mtg History Satisfied
0691226842 A A A A      
0134540654 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0134540654 A A D A Credit DTI Satisfied
0262565781 A A A A      
0172102535 A A A A      
0729153439 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0911099746 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0350001047 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0213490791 A A A A      
0763570031 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0763570031 A A A A Credit Credit/Mtg History Active
0234789318 A A A A      
0464139345 A A A A      
0356436664 A A A A      
0802570979 A A A A      
0790983577 A A A A      
0331809052 A A A A      
0610066876 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0844803837 A A A A      
0888662905 A A A A      
0353191680 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0338260479 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0437258065 A A A A      
0135334168 A A A A      
0755148886 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0050449033 A A A A      
0705438794 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0800502645 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0650506200 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0591919625 A A A A      
0559590476 A A A A      
0102082589 A A A A      
0399386242 A A A A      
0854533661 A A A A      
0047759133 A A A A      
0645420759 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0645420759 A A A A Credit Terms/Guidelines Active
0746604537 A A A A      
0336704743 A A A A      
0940801201 A A A A      
0317663639 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0147704935 A A A A      
0167511513 A A A A      
0820577794 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0068350309 A A A A      
0829724025 A A A A      
0783159008 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0501785587 A A A A      
0276605721 A A A A      
0110883483 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0979650819 A A A A      
0941027510 A A A A      
0805840121 A A A A      
0894886858 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0889661042 A A A A      
0688514980 A A A A      
0589653309 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0512057299 A A A A Credit Assets Satisfied
0512057299 A A A A Credit Assets Satisfied
0717807495 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0916702482 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0916702482 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0076295465 A A A A      
0951145322 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0967360890 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0249271958 A A A A Credit Application Active
0657156521 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0842057111 A A C B Compliance Right of Rescission  Satisfied
0972362160 A A A A      
0336751762 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0549121898 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0549121898 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0883771089 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0908902903 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0908349057 A A A A      
0466446164 A A A A      
0049608561 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0924177369 C B A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0924177369 C B A A Property Valuations Value Satisfied
0575771080 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0083134983 A A A A      
0529327719 A A A A      
0420380621 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0863486295 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0835619778 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0151427407 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0512298226 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0592054167 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0157476532 A A A A Credit Credit/Mtg History Active
0686444542 A A A A      
0223763003 A A A A      
0340006234 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0340006234 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0765715424 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0144754849 A A B B Compliance Right of Rescission  Active
0507890863 A A A A      
0619370106 A A A A Credit Credit/Mtg History Active
0681239646 A A A A      
0975382897 A A A A      
0427546599 A A A A      
0541846382 A A A A      
0557215627 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0767536451 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0229532881 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0330130341 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0330130341 A A A A Credit Credit/Mtg History Satisfied
0393404205 A A A A      
0243700276 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0243700276 A A D A Credit Legal Documents Satisfied
0211507519 A A A A      
0593597731 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0824597255 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0152477270 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0617386511 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0617386511 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0271765126 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0271765126 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0315630716 A A A A      
0267572469 A A A A      
0393925198 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0902968480 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0336214054 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0888134155 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0855254554 A A A A      
0735665344 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0299768337 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0299768337 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0468358296 A A D A Compliance Documentation Satisfied
0468358296 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0869490873 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0704643411 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0955505892 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0955505892 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0955505892 A A D A Credit DTI Satisfied
0998097884 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0824256616 A A A A      
0494500301 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0923368444 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0072121700 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0588763561 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0365530848 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0387275117 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0420339769 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0467160944 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0539743860 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0534338092 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0534338092 A A C A Credit Assets Satisfied
0534338092 A A C A Credit Income/Employment Satisfied
0627604858 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0753650918 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0753650918 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0743597901 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0782717819 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0090997904 A A A A      
0924294069 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0226888709 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0012825112 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0308520016 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0135303608 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0135303608 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0688892413 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0688892413 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0427664424 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0869042615 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0830258685 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0600281900 A A A A      
0288333312 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0072967530 A A A A      
0581334006 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0296899056 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0296899056 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0812480341 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0030803564 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0992745387 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0263676094 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0794863072 A A A A      
0455347097 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0060223626 A A A A      
0603795050 A A A A      
0393821377 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0032308265 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0173011766 A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
0160805595 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0164169124 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0321682861 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0266332566 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0266332566 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0923174486 A A A A      
0448045178 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0022196177 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0417818039 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0237859061 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0237859061 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0160708658 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0720796530 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0477679524 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0744499361 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0975573299 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0843927182 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0843927182 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0775509339 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0749205092 A A A A      
0816593315 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0535167466 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0986529188 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0413212740 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0923078250 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0923078250 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0259008881 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0645299722 A A A A      
0498172094 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0498172094 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0901376930 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0042771531 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0781622595 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0031110663 A A A A      
0483773242 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0098944585 A A A A      
0025870633 A A A A      
0655475927 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0181741021 A A A A      
0850369105 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0575789424 A A A A      
0729802768 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0864403324 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0650893622 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0565425587 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0305255025 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0305255025 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0305255025 A A D A Credit Credit/Mtg History Satisfied
0537128109 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0537128109 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0073212779 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0073212779 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0359158284 C C A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0359158284 C C A A Property Valuations Value Active
0280985754 A A A A      
0087507151 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0867809857 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0481250894 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0189235461 A A A A      
0343669753 A A A A      
0961386015 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0859339038 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0222048694 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0150859989 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0068334099 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0215045432 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0369212685 A A A A      
0227560373 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0063703620 A A A A      
0839053422 A A A A      
0998683185 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0357786446 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0363896441 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0363896441 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0133938555 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0133938555 A A A A Credit Application Satisfied
0715819827 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0715819827 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0568261939 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0965334319 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0965334319 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0352713344 A A A A      
0966454336 A A A A      
0358557373 A A A A      
0001442055 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0001442055 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0516730458 A A A A      
0556210574 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0083754076 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0511638147 A A A A      
0470845533 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0845113102 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0909799015 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0909799015 A A A A Credit Credit/Mtg History Active
0954146301 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0301448136 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0319401242 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0041594573 A A A A      
0172165607 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0908976681 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0240597962 A A A A      
0903520123 A A A A      
0782930932 A A D A Compliance Documentation Satisfied
0782930932 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0203802152 A A A A      
0800890714 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0481098853 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0004919861 A A B B Compliance RESPA Active
0891521076 A A C B Compliance Right of Rescission  Satisfied
0595336838 A A A A      
0501051732 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0455606617 A A B B Compliance TILA/RESPA Integrated Disclosure Active
0746575679 A A A A      
0649420457 A A A A      
0648759196 A A A A      
0900495366 A A A A      
0808367638 A A C A Compliance Finance Charge Tolerance Satisfied
0838672433 A A A A      
0635074062 A A A A      
0471622594 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0945610940 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0863192131 A A A A      
0259971862 A A A A      
0409719200 A A A A      
0127493789 A A A A      
0318458926 A A A A Credit Assets Active
0643005829 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0643005829 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0628792308 A A A A      
0062463718 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0052669848 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0052669848 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0669124532 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0168918329 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0168918329 A A D A Credit DTI Satisfied
0168918329 A A D A Credit Legal Documents Satisfied
0769257041 A A A A      
0258703215 A A B B Compliance Borrower's Interest Active
0517855345 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0309196218 A A A A      
0048994182 A A A A      
0738586526 A A A A      
0053710878 A A A A      
0825011780 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0506422525 A A A A      
0861021130 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0979923763 A A A A      
0837623139 A A A A      
0759561368 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0759561368 A A A A Credit Income/Employment Satisfied
0474592069 A A A A      
0605906999 A A A A      
0861695041 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0750667513 A A A A      
0095525438 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0029264920 A A A A      
0019537061 A A A A      
0949091765 A A A A Credit Terms/Guidelines Active
0752727842 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0809909838 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0862687034 A A A A      
0739437895 C B A A Property Valuations Value Satisfied
0972681508 A A A A      
0391394779 A A A A      
0278309532 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0278309532 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0551384264 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0889799209 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0939621352 A A A A      
0862681616 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0488572485 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0522380796 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0459057085 A A A A      
0325556072 A A A A Credit Terms/Guidelines Active
0661663742 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0052080528 A A A A      
0707139484 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0159110748 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0074332767 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0632889358 A A A A      
0139809996 A A A A      
0697553452 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0993638557 A A C B Compliance Right of Rescission  Satisfied
0802433600 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0897391047 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0674283670 A A A A      
0498048106 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0236599301 A A A A      
0033741212 A A A A      
0912854435 A A A A      
0119533286 A A A A      
0145282348 A A A A      
0897857613 A A A A      
0184615918 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0469198638 A A A A      
0293495899 A A A A      
0635473695 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0735642413 A A A A      
0498878852 A A A A Credit Insurance Satisfied
0498878852 A A A A Credit Legal Documents Satisfied
0227320863 A A A A      
0171569977 A A A A      
0851028019 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0946319222 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0516136877 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0516136877 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0655929888 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0898932781 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0799073100 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0853303055 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0563172167 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0137339114 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0908829049 A A A A Credit Assets Active
0284969421 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0284969421 A A A A Credit Credit/Mtg History Active
0451040857 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0064696048 A A A A      
0714739945 A A A A      
0346467100 A A A A      
0088694095 A A A A      
0283839238 A A A A      
0072023459 A A A A      
0451328679 A A B B Compliance Borrower's Interest Active
0374780613 A A A A      
0361654718 A A A A Credit Income/Employment Active
0779867278 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0641506424 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0088803259 A A A A      
0948876575 A A A A      
0832370919 A A A A      
0251778131 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0481627096 A A A A      
0384278169 A A A A      
0976987733 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0976987733 A A D A Credit Legal Documents Satisfied
0127753940 A A A A      
0259354512 A A A A      
0247598502 A A A A      
0863356847 A A A A      
0993695962 A A A A      
0312267274 A A A A      
0347012631 A A A A      
0949430545 A A A A      
0302055195 A A A A      
0447708412 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0447708412 A A D A Credit Legal Documents Satisfied
0747876903 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0298450897 A A A A      
0131015511 A A A A      
0906124295 A A A A Credit Income/Employment Satisfied
0392936467 A A A A      
0523661468 A A A A      
0818523045 A A B B Compliance Right of Rescission  Active
0818523045 A A B B Credit Terms/Guidelines Active
0813559754 A A A A      
0019693597 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0723725595 A A A A      
0312186098 A A A A      
0889286925 A A A A      
0270514570 A A A A      
0295154142 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0295154142 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0473508077 A A A A      
0444967678 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0603616407 A A A A      
0506388631 A A A A      
0894361429 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0418620572 A A A A      
0593750468 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0593750468 A A D A Credit DTI Satisfied
0809704197 A A A A      
0081533443 A A A A      
0983899404 A A A A      
0023717246 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0467073301 A A A A      
0568406549 A A A A      
0349446312 A A A A      
0277431477 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0179476000 A A A A      
0756149207 A A B B Compliance Right of Rescission  Active
0496547413 A A A A      
0650027202 A A A A      
0020255917 A A A A      
0379428603 A A A A      
0431691596 A A A A      
0963219080 A A A A Credit Income/Employment Active
0284486263 A A A A      
0220866614 A A A A      
0154347834 A A A A      
0663811305 A A A A      
0250295430 A A A A      
0611409279 A A A A      
0351542285 A A A A      
0140924596 A A A A      
0593007347 A A A A      
0327241907 A A A A      
0630130749 A A A A      
0267452614 A A A A      
0032521023 A A A A      
0483504885 A A A A      
0594193861 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0594193861 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0594193861 A A D A Credit Terms/Guidelines Satisfied
0647534571 A A A A      
0047160022 A A A A      
0248003834 A A A A      
0559042113 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0578003446 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0776112418 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0394419552 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0066409759 A A A A      
0246267980 A A A A Credit Terms/Guidelines Active
0136744927 A A A A      
0810831453 A A A A      
0922712899 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0989619385 A A B B Compliance Right of Rescission  Active
0284474809 A A A A      
0182212932 A A A A      
0165873393 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0165873393 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0257396349 A A A A      
0401012357 A A A A      
0358054399 A A A A      
0922512350 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0922512350 A A A A Credit Assets Active
0721986455 A A A A      
0224364000 A A A A      
0931169899 A A A A      
0835118606 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0535708673 A A A A Credit Assets Active
0233545185 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0870664258 A A A A      
0093567550 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0946795954 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0714272167 A A A A      
0332962239 A A A A      
0139540128 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0139540128 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0603795009 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0517537840 A A A A      
0879869880 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0015283393 A A A A      
0802840762 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0166311542 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0307492802 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0307492802 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0407658248 A A A A      
0306727754 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0540193985 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0248166622 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0349428232 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0224787836 A A A A      
0582013272 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0582013272 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0417719550 A A A A      
0087079366 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0087079366 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0581558893 A A A A      
0137434468 A A A A      

 

Alt Loan Number Initial Securitization Condition Grade Final Securitization Condition Grade Initial S&P Condition Grade Final S&P Condition Grade Condition Code Condition Description
0989559892            
0138895538 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0930346800            
0801064116            
0576750534            
0977588995 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0661166719 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0027754822            
0202129463 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0583091889 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0583091889 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0583091889 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0798650653 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
0798650653 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0798650653 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0798650653 D A D A CRDLGL2550 Missing HUD-1 from sale of property
0043094472 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0604615653 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0938549248 C A C A CRDINSR5351 Insurance Effective date is greater than the transaction date
0911348662 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0902810032 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0902810032 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0695825083 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
0695825083 D A D A CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0691226842            
0134540654 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
0134540654 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0262565781            
0172102535            
0729153439 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0911099746 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0350001047 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0213490791            
0763570031 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0763570031 B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0234789318            
0464139345            
0356436664            
0802570979            
0790983577            
0331809052            
0610066876 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0844803837            
0888662905            
0353191680 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0338260479 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0437258065            
0135334168            
0755148886 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0050449033            
0705438794 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0800502645 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0650506200 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0591919625            
0559590476            
0102082589            
0399386242            
0854533661            
0047759133            
0645420759 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0645420759 B B B B CRDTER3262 Property issues indicated
0746604537            
0336704743            
0940801201            
0317663639 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0147704935            
0167511513            
0820577794 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0068350309            
0829724025            
0783159008 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0501785587            
0276605721            
0110883483 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0979650819            
0941027510            
0805840121            
0894886858 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0889661042            
0688514980            
0589653309 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0512057299 C A C A CRDAST205 Insufficient Funds to Close
0512057299 C A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0717807495 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0916702482 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0916702482 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0076295465            
0951145322 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0967360890 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0249271958 B B B B CRDAPP131 Occupancy status not supported by file documentation
0657156521 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0842057111 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0972362160            
0336751762 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0549121898 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0549121898 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0883771089 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0908902903 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0908349057            
0466446164            
0049608561 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0924177369 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0924177369 C A C B PRVAVALU5249 Property Value Not Supported
0575771080 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0083134983            
0529327719            
0420380621 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0863486295 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0835619778 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0151427407 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0512298226 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0592054167 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0157476532 B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements
0686444542            
0223763003            
0340006234 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0340006234 C A C A CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
0765715424 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0144754849 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0507890863            
0619370106 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0681239646            
0975382897            
0427546599            
0541846382            
0557215627 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0767536451 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0229532881 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0330130341 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0330130341 D A D A CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0393404205            
0243700276 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
0243700276 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0211507519            
0593597731 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0824597255 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0152477270 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0617386511 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0617386511 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0271765126 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0271765126 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0315630716            
0267572469            
0393925198 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0902968480 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0336214054 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0888134155 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0855254554            
0735665344 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0299768337 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0299768337 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0468358296 D A D A CMPDOC869 Mortgage not signed
0468358296 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0869490873 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0704643411 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0955505892 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
0955505892 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0955505892 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0998097884 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0824256616            
0494500301 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0923368444 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0072121700 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0588763561 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0365530848 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0387275117 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0420339769 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0467160944 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0539743860 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0534338092 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0534338092 C A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0534338092 C A C A CRDINC2488 Verbal verification of employment missing
0627604858 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0753650918 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0753650918 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0743597901 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0782717819 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0090997904            
0924294069 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0226888709 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0012825112 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0308520016 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0135303608 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0135303608 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0688892413 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0688892413 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0427664424 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0869042615 C A C A CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
0830258685 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0600281900            
0288333312 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0072967530            
0581334006 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0296899056 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0296899056 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0812480341 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0030803564 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0992745387 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0263676094 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0794863072            
0455347097 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0060223626            
0603795050            
0393821377 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0032308265 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0173011766 B B B B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
0160805595 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0164169124 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0321682861 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0266332566 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0266332566 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0923174486            
0448045178 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0022196177 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0417818039 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0237859061 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0237859061 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0160708658 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0720796530 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0477679524 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0744499361 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0975573299 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0843927182 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0843927182 C A C A CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
0775509339 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0749205092            
0816593315 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0535167466 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0986529188 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0413212740 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0923078250 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0923078250 C A C A CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided
0259008881 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0645299722            
0498172094 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0498172094 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0901376930 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0042771531 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0781622595 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0031110663            
0483773242 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0098944585            
0025870633            
0655475927 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0181741021            
0850369105 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0575789424            
0729802768 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0864403324 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0650893622 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0565425587 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0305255025 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
0305255025 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0305255025 D A D A CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0537128109 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0537128109 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0073212779 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0073212779 C A C A CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
0359158284 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0359158284 C C C C PRVAVALU5249 Property Value Not Supported
0280985754            
0087507151 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0867809857 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0481250894 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0189235461            
0343669753            
0961386015 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0859339038 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0222048694 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0150859989 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0068334099 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0215045432 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0369212685            
0227560373 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0063703620            
0839053422            
0998683185 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0357786446 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0363896441 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0363896441 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0133938555 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0133938555 D A D A CRDAPP3822 Missing or incomplete documentation related to citizenship/residency
0715819827 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0715819827 C A C A CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
0568261939 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0965334319 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0965334319 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0352713344            
0966454336            
0358557373            
0001442055 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0001442055 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0516730458            
0556210574 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0083754076 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0511638147            
0470845533 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0845113102 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0909799015 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0909799015 B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0954146301 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0301448136 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0319401242 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0041594573            
0172165607 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0908976681 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0240597962            
0903520123            
0782930932 D A D A CMPDOC806 Notary Status is missing
0782930932 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0203802152            
0800890714 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0481098853 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0004919861 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0891521076 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0595336838            
0501051732 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0455606617 B B B B 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.
0746575679            
0649420457            
0648759196            
0900495366            
0808367638 C A C A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream)
0838672433            
0635074062            
0471622594 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0945610940 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0863192131            
0259971862            
0409719200            
0127493789            
0318458926 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0643005829 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0643005829 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0628792308            
0062463718 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0052669848 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0052669848 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0669124532 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0168918329 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
0168918329 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0168918329 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0769257041            
0258703215 B B B B CMPBI1623 MA Borrower Interest; Worksheet missing
0517855345 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0309196218            
0048994182            
0738586526            
0053710878            
0825011780 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0506422525            
0861021130 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0979923763            
0837623139            
0759561368 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0759561368 D A D A CRDINC3204 Income Documentation Missing
0474592069            
0605906999            
0861695041 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0750667513            
0095525438 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0029264920            
0019537061            
0949091765 B B B B CRDTER3122 Loan documents do not meet guideline requirements
0752727842 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0809909838 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0862687034            
0739437895 C A C B PRVAVALU5249 Property Value Not Supported
0972681508            
0391394779            
0278309532 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0278309532 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0551384264 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0889799209 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0939621352            
0862681616 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0488572485 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0522380796 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0459057085            
0325556072 B B B B CRDTER3122 Loan documents do not meet guideline requirements
0661663742 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0052080528            
0707139484 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0159110748 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0074332767 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0632889358            
0139809996            
0697553452 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0993638557 C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0802433600 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0897391047 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0674283670            
0498048106 C B C B CMPTRID5251 TRID - CD: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Annual Property Costs disclosed in the No Escrow section in Loan Disclosures
0236599301            
0033741212            
0912854435            
0119533286            
0145282348            
0897857613            
0184615918 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0469198638            
0293495899            
0635473695 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0735642413            
0498878852 D A D A CRDINSR848 Missing Hazard Insurance
0498878852 D A D A CRDLGL140 Missing subordination agreement for existing junior lien
0227320863            
0171569977            
0851028019 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0946319222 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0516136877 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0516136877 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0655929888 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0898932781 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0799073100 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0853303055 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0563172167 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0137339114 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0908829049 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0284969421 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0284969421 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0451040857 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0064696048            
0714739945            
0346467100            
0088694095            
0283839238            
0072023459            
0451328679 B B B B CMPBI1623 MA Borrower Interest; Worksheet missing
0374780613            
0361654718 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0779867278 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0641506424 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0088803259            
0948876575            
0832370919            
0251778131 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0481627096            
0384278169            
0976987733 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
0976987733 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0127753940            
0259354512            
0247598502            
0863356847            
0993695962            
0312267274            
0347012631            
0949430545            
0302055195            
0447708412 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
0447708412 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0747876903 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0298450897            
0131015511            
0906124295 D A D A CRDINC2340 Employment verification does not meet guidelines
0392936467            
0523661468            
0818523045 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0818523045 B B B B CRDTER109 Cash Out Amount Exceeds Guidelines
0813559754            
0019693597 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0723725595            
0312186098            
0889286925            
0270514570            
0295154142 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0295154142 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0473508077            
0444967678 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0603616407            
0506388631            
0894361429 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0418620572            
0593750468 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
0593750468 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0809704197            
0081533443            
0983899404            
0023717246 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0467073301            
0568406549            
0349446312            
0277431477 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0179476000            
0756149207 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0496547413            
0650027202            
0020255917            
0379428603            
0431691596            
0963219080 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0284486263            
0220866614            
0154347834            
0663811305            
0250295430            
0611409279            
0351542285            
0140924596            
0593007347            
0327241907            
0630130749            
0267452614            
0032521023            
0483504885            
0594193861 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
0594193861 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0594193861 C A C A CRDTER3122 Loan documents do not meet guideline requirements
0647534571            
0047160022            
0248003834            
0559042113 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0578003446 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0776112418 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0394419552 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0066409759            
0246267980 B B B B CRDTER3122 Loan documents do not meet guideline requirements
0136744927            
0810831453            
0922712899 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0989619385 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0284474809            
0182212932            
0165873393 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0165873393 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0257396349            
0401012357            
0358054399            
0922512350 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0922512350 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0721986455            
0224364000            
0931169899            
0835118606 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0535708673 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0233545185 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0870664258            
0093567550 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0946795954 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0714272167            
0332962239            
0139540128 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0139540128 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0603795009 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0517537840            
0879869880 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0015283393            
0802840762 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0166311542 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0307492802 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0307492802 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0407658248            
0306727754 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0540193985 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0248166622 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0349428232 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0224787836            
0582013272 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0582013272 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0417719550            
0087079366 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0087079366 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0581558893            
0137434468            

 

Alt Loan Number Condition Material Indicator Initial Comments Client/Seller Response Comments Conclusion Comments TRID Error Type
0989559892          
0138895538 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)
0930346800          
0801064116          
0576750534          
0977588995 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)
0661166719 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)
0027754822          
0202129463 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) (No Data)
0583091889 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)
0583091889 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
0583091889 No Missing  evidence that CD dated XXX was acknowledged by the borrowers 3 days prior to consummation date of XXX.No date of acknowledgement on the spreadsheet. 7.24.20 - Client responded. "Disagree - CD#005 was provided XXX. The CD was confirmed (acknowledged) in YourLoanTracking (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 and, per XXX testing methodology, this is the same as an in hand delivery. This is not a testing defect so corrective action is not required. Copy of origination system Disclosure Receipt Dates page showing the completed date is attached. 7.24.20 - Exception satisfied.  (No Data)
0798650653 No Missing final Settlement Statement or CD from sale of departure residence. 7.27.20 - Client responded. Equity Statement and XXX Activity Transcript to evidence the sale of departure residence located at XXX attached. Net equity (proceeds) of $127,258.75 was deposited into borrowers XXX checking #XXX.     7.27.20 - Exception satisfied.  (No Data)
0798650653 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)
0798650653 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
0798650653 No Missing final Settlement Statement or CD from sale of departure residence. 7.27.20 - Client responded. Equity Statement and XXX Financial Activity Transcript to evidence the sale of departure residence located at XXX, CO attached. Net equity (proceeds) of $127,258.75 was deposited into borrowers XXX checking #XXX.     7.27.20 - Exception satisfied.  (No Data)
0043094472 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)
0604615653 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)
0938549248 No Insurance in the loan file is dated XXX -XXX.  Disbursement date on final CD is XXX 7.24.20 - Client responded. Correct HOI provided.  7.24.20 - Exception satisfied.  Not Applicable
0911348662 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)
0902810032 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)
0902810032 No Missing the VVOE for Borrower 1 within 20 business days prior to the Note date XXX Per lender guidelines, Verbal Verification of Employment (VOE) within 20 business days prior to the note date is required. VVOE in file is dated XXX. (No Data) (No Data) (No Data)
0695825083 No Missing VOR or cancelled checks to support the last 12 months of rental payments history.  7.21.20 - Client responded. "Merge Plus Credit Report verifies rental payment history from XXX,confirms all rent payments were made on time. See attached.  7.21.20 - Exception satisfied.  (No Data)
0695825083 No Missing VOR or cancelled checks to support the last 12 months of rental payments history.  7.21.20 - Client responded. "Merge Plus Credit Report verifies rental payment history from XXX,confirms all rent payments were made on time. See attached.  7.21.20 - Exception satisfied.  (No Data)
0691226842          
0134540654 No File is missing verification of current homeowner's insurance and HOA dues (if any) for additional property owned located on XXX. Lender used total monthly amount of $503.17 to qualify and only proof of taxes are in file in the amount of $437.25 per month. 7.31.20 - Client responded. "Per property details report (XXX) current ownership of XXX is held in a partnership XXX. Borrower's share of partnership 99%. Verification of homeowner's insurance $791/12 = $65.92 + $437.25 taxes = $503.17/mo used to qualify. No HOA dues. See page 6 of business tax returns for components of non-subject PITI. XXX returns attached. 7.31.20 - Exception satisfied.  (No Data)
0134540654 No File is missing verification of current homeowner's insurance and HOA dues (if any) for additional property owned located on XXX. Lender used total monthly amount of $503.17 to qualify and only proof of taxes are in file in the amount of $437.25 per month. 7.31.20 - Client responded. "Per property details report (XXX) current ownership of XXX is held in a partnership XXX. Borrower's share of partnership 99%. Verification of homeowner's insurance $791/12 = $65.92 + $437.25 taxes = $503.17/mo used to qualify. No HOA dues. See page 6 of business tax returns for components of non-subject PITI. XXX returns attached. 7.31.20 - Exception satisfied.  (No Data)
0262565781          
0172102535          
0729153439 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)
0911099746 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
0350001047 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)
0213490791          
0763570031 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)
0763570031 No Lender approved exception for No mortgage/rental payment history or mortgage/ rental payment history covering less than 12 months.    Clayton deems non-material based on compensating factors of 762 qualifying score. Min required per guidelines is 680, DTI is 24.70%; max per guidelines is 43% and  Post close reserves are $336,507.69 OR 83.53 months, guidelines require 12 months or $48,345.72. (No Data) (No Data) (No Data)
0234789318          
0464139345          
0356436664          
0802570979          
0790983577          
0331809052          
0610066876 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)
0844803837          
0888662905          
0353191680 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)
0338260479 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)
0437258065          
0135334168          
0755148886 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. (No Data) (No Data) (No Data)
0050449033          
0705438794 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)
0800502645 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)
0650506200 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)
0591919625          
0559590476          
0102082589          
0399386242          
0854533661          
0047759133          
0645420759 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)
0645420759 No Lender approved exception for Legal nonconforming use of land. Zoning is legal nonconforming due to site size, the subject site is XXX acres, and current zoning requirement is one unit per 2.5 acres. Per appraiser, the comps have similar zoning and there is no impact to marketability. If the structure is destroyed by any cause, it can be re-built in a similar size and appearance within a period of one year. The property is a traditional style SFD  built in XXX, XXX sq. ft., 4 bed / 5.1 baths. Appraised value is $XXX with high of $XXX. Values are stable, balance in demand and supply with marketing time under 3 mos.  Clayton deems non-material based on compensating factors of 770 qualifying score. Min required per guidelines is 680, DTI is 34.37%; max per guidelines is 43% and  Post close reserves are $206,837.24 OR 32.06 months, guidelines require 12 months OR $77,425.20. (No Data) (No Data) (No Data)
0746604537          
0336704743          
0940801201          
0317663639 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)
0147704935          
0167511513          
0820577794 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)
0068350309          
0829724025          
0783159008 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)
0501785587          
0276605721          
0110883483 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
0979650819          
0941027510          
0805840121          
0894886858 No Per TRID 2.0 Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related. 7.21.20 - Client responded. "Two copies of Seller CD attached, a signed copy by each seller is provided.  7.21.20 - Exception satisfied.  Not Applicable
0889661042          
0688514980          
0589653309 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)
0512057299 No Documented liquid assets are short funds required for closing by $23,574.22. This shortfall is caused by 2 factors. #1, the original underwriter counted a $XXX 401k loan in available assets and required documentation but there is no documentation of receipt.#2, the original underwriter used $XXX net proceeds from the sale of the departing residence but the sellers CD in file for that sale show the borrower receiving $XXX 7.17.20 - Client responded. #1 - Per Underwriter notes the $XXX 401K was no longer needed due to proceeds from sale of property. #2 - Liquid Assets used:$460.47 XXX Savings, $31,976.02 XXX Checking, $11,187.27 XXX Savings , $13,245.78 XXX Checking and $11,294.30 XXX Savings, $157,157.41 Sale Proceeds XXX 7.17.20 - Exception satisfied.  (No Data)
0512057299 No Loan is short liquid funds for closing by $23,574.22. Borrower does have a 401k but this can only be used to satisfy 50% of the PCL requirement of $67,865.28.  Shortfall is due to 2 factors.#1, the original underwriter counted a $XXX 401k loan in available assets and required documentation but there is no documentation of receipt.#2, the original underwriter used $XXX net proceeds from the sale of the departing residence but the sellers CD in file for that sale show the borrower receiving $XXX 7.17.20 - Client responded. #1 - Per Underwriter notes the $XXX 401K was no longer needed due to proceeds from sale of property. #2 - Liquid Assets used:$460.47 XXX Savings, $31,976.02 XXX Checking, $11,187.27 XXX Savings , $13,245.78 XXX Checking and $11,294.30 XXX Savings, $157,157.41 Sale Proceeds ($XXX proceeds from departure + $75,000 EM Deposit) totaling $XXX. See attached UW notes. $225,321.25 - $173,231.55 cash to close = $52,089.70 liquid cash reserves + $449,594.37 in XXX 401K account.  7.17.20 - Exception satisfied.  (No Data)
0717807495 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)
0916702482 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)
0916702482 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
0076295465          
0951145322 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)
0967360890 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
0249271958 No Lender approved exception for Primary Residence for Elderly Parent. Customers are Purchasing a primary Residence for b1's parents .The property is located just down the street from b1/ b2's primary residence in XXX. Borrower has provided signed LOE stating home will be occupied by elderly parents. Clayton deems non-material based on compensating factors of 770 qualifying score. Min required per guidelines is 680, DTI is 34.37%; max per guidelines is 43% and  Post close reserves are $206,837.24 OR 32.06 months, guidelines require 12 months OR $77,425.20.  (No Data) (No Data) (No Data)
0657156521 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)
0842057111 No Disbursement date of XXX on CD XXX is before end of statutory rescission period XXX on the ROR. 7.27.20 - Client responded. "Disagree - Per system of record, funds disbursed correctly on XXX after rescission expiration. PC CD issued to the borrower correcting disbursement date and per diem date. No additional remediation required. Please see attached PC CD. 7.27.20 - Exception satisfied.  (No Data)
0972362160          
0336751762 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)
0549121898 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)
0549121898 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
0883771089 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)
0908902903 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)
0908349057          
0466446164          
0049608561 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)
0924177369 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)
0924177369 No A Desk review was received with a reported value of $XXX which is a variance of -17.24% less than the original appraised value of $XXX. A field review has been ordered.  8.3.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  8.3.20 - Exception satisfied. Not Applicable
0575771080 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. (No Data) (No Data) (No Data)
0083134983          
0529327719          
0420380621 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) (No Data)
0863486295 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)
0835619778 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)
0151427407 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)
0512298226 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)
0592054167 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)
0157476532 No Approved Lender Exception for insufficient credit as guidelines require at least one tradeline have a 24 month history. Per clayton grading this is a non-material exception.  (No Data) (No Data) (No Data)
0686444542          
0223763003          
0340006234 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)
0340006234 No Ten percent tolerance increase between LE XXX and CD XXX by $50.40. The Recoding fees increased without valid documentation. 7.21.20 - Client responded. "Disagree - Ten percent tolerance fees did not increase outside of allowable threshold. Individual fees are not each held to a 10% tolerance. The recording fee was just one of the 10% fees along with the Title - All Endorsements, Title - Closing/Escrow, Title - Courier, Title - Doc Prep, Title - Lender's Policy, Title - Loan Tie In, Title - Notary and Title - Recording Service fees.  The borrower did not shop for the title company. 7.21.20 - Exception satisfied.  (No Data)
0765715424 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)
0144754849 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)
0507890863          
0619370106 No Require VOR for primary residence verifying satisfactory $4200.000 rental payment history for the most recent 12 months. (No Data) (No Data) (No Data)
0681239646          
0975382897          
0427546599          
0541846382          
0557215627 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)
0767536451 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)
0229532881 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)
0330130341 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)
0330130341 No Missing VOR for the most recent 12 months- Bank statements obtained Document $2800.00 monthly rent payments for XXX only 7.13.20 - Client responded. Most recent 12-month VOR attached.  7.13.20 - Exception satisfied.  (No Data)
0393404205          
0243700276 No The loan file is missing executed evidence that the XXX Heloc is  paid and closed to future draws. 7.13.20 - Client responded. Proof XXX has been paid and closed to future draws attached to include XXX confirmation closure letter and borrower's settlement statement. This line of credit has been restricted from future advances.   7.13.20 - Exception satisfied.  (No Data)
0243700276 No The loan file is missing executed evidence that the XXX Heloc is  paid and closed to future draws. 7.13.20 - Client responded. Proof XXX has been paid and closed to future draws attached to include XXX confirmation closure letter and borrower's settlement statement. This line of credit has been restricted from future advances.   7.13.20 - Exception satisfied.  (No Data)
0211507519          
0593597731 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)
0824597255 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)
0152477270 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)
0617386511 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)
0617386511 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
0271765126 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)
0271765126 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
0315630716          
0267572469          
0393925198 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)
0902968480 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)
0336214054 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)
0888134155 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)
0855254554          
0735665344 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)
0299768337 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)
0299768337 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
0468358296 No The signature page (pg 18) of mortgage is missing from file. 7.28.20 - Client responded. See attached Deed of Trust 7.28.20 - Exception satisfied.  (No Data)
0468358296 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)
0869490873 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)
0704643411 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
0955505892 No Missing final Settlement Statement or CD from sale of departure residence as the document provided in file is the Estimated Settlement statement  7.17.20 - Client responded. Settlement Statement in file is an Estimate and shows XXX sales price and closing date of XXX for the departure residence. Property search (XXX) on that departure residence confirms the property was sold on XXX. Proceeds from sale were not used to close.  See attached.  7.17.20 - Exception satisfied.  (No Data)
0955505892 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)
0955505892 No Missing final Settlement Statement or CD from sale of departure residence as the document provided in file is the Estimated Settlement statement  7.17.20 - Client responded. Settlement Statement in file is an Estimate and shows $XXX sales price and closing date of XXX for the departure residence. Property search (XXX) on that departure residence confirms the property was sold on XXX. Proceeds from sale were not used to close.  See attached.  7.17.20 - Exception satisfied.  (No Data)
0998097884 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)
0824256616          
0494500301 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)
0923368444 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)
0072121700 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)
0588763561 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)
0365530848 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)
0387275117 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
0420339769 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)
0467160944 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)
0539743860 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)
0534338092 No Missing  evidence that CD dated XXX was acknowledged by the borrowers 3 days prior to consummation date of XXX. No information found on disclosure spreadsheet. 7.10.20 - Client responded. Disagree. CD#XXX was eDelivered and Hand Delivered on XXX was opened and acknowledged by borrowers on XXX. XXX considers in hand delivery and meets timing for XXX closing date. See attached document tracking. 7.10.20 - Exception satisfied.  (No Data)
0534338092 No  $444,822.75 in total assets documented, Effective assets $389518.28 . Liquid assets are $260,474.51. Closing costs per CD were $215,273.13; Post close reserves are $174,245.15, however remaining liquid assets =  $45201.38, Retirement assets that can be used toward reserves $48974.04 = $94,175.42  Required reserves $97948.08. Borrower does not have sufficient assets for reserves.  7.23.20 - Client responded. "Policy requirements at the time of loan required only 12 months PITI reserves. Cash reserve requirement would have been $65,298.72, which borrower's met with $94,175.42 in reserves ($45,201.38 liquid & $48,974.04 retirement). In addition, the borrower was XXX and had $675,623.54 in liquid business assets. Up to $114,167 of those could have been used towards reserves if needed. The required 2 year Schedule L's were in file.  7.23.20 - Exception satisfied.  (No Data)
0534338092 No Borrower is XXX and no verification of employment in file to include a business license. XXX screen shot, etc.  7.13.20 - Client responded. VOE for XXX attached to include certificate from XXX.  7.13.20 - Exception satisfied.  (No Data)
0627604858 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)
0753650918 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)
0753650918 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
0743597901 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)
0782717819 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)
0090997904          
0924294069 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)
0226888709 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)
0012825112 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)
0308520016 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)
0135303608 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)
0135303608 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
0688892413 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)
0688892413 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
0427664424 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)
0869042615 No Ten percent tolerance of $29.80. Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $29.80 for fee for ten percent tolerance fees. Recording fee changed from $132 on LE XXX to $175 on initial CD XXX a difference of $43. $132 * 10% allowance is $145.20-$175=$29.80 7.22.20 - Client responded.  Disagree - The borrower did not shop for the title company.  Ten percent aggregate baseline includes Title Services and Recording Fees per fee placement on the consummation CD (Section B 10% fees). Aggregate 10% fees on the initial LE were disclosed in the amount of $3,644. Aggregate 10% fees on the consummation CD were charged in the amount of $3,487.  This resulted in a decrease of $152.00 in the Aggregate 10% tolerance threshold; therefore, no refund would be due. This is not a defect so no corrective action is required.  It appears investor did not include Title Services in the 10% tolerance calculation. 7.22.20 - Exception satisfied.  (No Data)
0830258685 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)
0600281900          
0288333312 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)
0072967530          
0581334006 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)
0296899056 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)
0296899056 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
0812480341 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)
0030803564 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)
0992745387 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)
0263676094 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)
0794863072          
0455347097 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)
0060223626          
0603795050          
0393821377 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)
0032308265 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)
0173011766 No An additional refund is required due to increase in recording fees, corrected on PCCD, Exception satisfied. (No Data) (No Data) (No Data)
0160805595 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)
0164169124 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)
0321682861 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)
0266332566 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)
0266332566 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
0923174486          
0448045178 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)
0022196177 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)
0417818039 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)
0237859061 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)
0237859061 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
0160708658 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)
0720796530 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)
0477679524 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)
0744499361 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)
0975573299 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)
0843927182 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)
0843927182 No Ten percent tolerance fee increased at or prior to closing Recording fee increased from $121.00 to $175.00 a difference of $41.90 without a valid reason or not timely disclosed; Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. 7.22.20 - Client responded. " Disagree - The borrower did not shop for the title company.  Initial 10% baseline on the initial LE was disclosed in the amount of $2,934. The 10% fees on the consummation CD were charged in the amount of $3,098. This resulted in an increase of $164 in the 10% tolerance threshold and within tolerance; therefore, no refund would be due. This is not a defect so no corrective action is required.  It appears investor did not include Title Services in the 10% tolerance calculation. 7.22.20 - Exception satisfied.  (No Data)
0775509339 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)
0749205092          
0816593315 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)
0535167466 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)
0986529188 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)
0413212740 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)
0923078250 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
0923078250 No Zero tolerance fee increased from LE XXX to CD XXX for Survey fee in the amount of $800.00. Final CD dated XXX has a lender fee in the amount of $636.46 which is insufficient to cure the increase. Letter of explanation, corrected Closing Disclosure, and a refund of $163.54 with proof of delivery within 60 days of consummation. 8.6.20 - Client responded. Disagree: The Title - Survey fee was not disclosed to the borrower on the LE's provided. It was added to the CD dated XXX as a seller paid fee and was charged to the seller on the consummation CD dated XXX.  No TRID zero tolerance defect. No refund required. 8.6.20 - Exception satisfied.  Numeric
0259008881 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)
0645299722          
0498172094 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)
0498172094 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
0901376930 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. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric
0042771531 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)
0781622595 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)
0031110663          
0483773242 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)
0098944585          
0025870633          
0655475927 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. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric
0181741021          
0850369105 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)
0575789424          
0729802768 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)
0864403324 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)
0650893622 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)
0565425587 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)
0305255025 No The loan file is missing cancelled checks to support rental payments made for XXX and XXX in the amount of $3200 per month.  7.17.20 - Client responded. Copy of Sept Check verifying $3200 rent payment attached. Could not locate November verification. There are 12 months total VOR through bank statements and checks though. In addition borrower Credit Report confirms he had 2 mortgage accounts dating back to 2010 (current)  & 2012 (now closed) showing acceptable payment history with no late payments. ATR adequately supported.  7.17.20 - Exception satisfied.  (No Data)
0305255025 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)
0305255025 No The loan file is missing cancelled checks to support rental payments made for XXX and XXX in the amount of $3200 per month.  7.17.20 - Client responded. Copy of Sept Check verifying $3200 rent payment attached. Could not locate November verification. There are 12 months total VOR through bank statements and checks though. In addition borrower Credit Report confirms he had 2 mortgage accounts dating back to 2010 (current)  & 2012 (now closed) showing acceptable payment history with no late payments. ATR adequately supported.  7.17.20 - Exception satisfied.  (No Data)
0537128109 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)
0537128109 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
0073212779 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
0073212779 No $975.80 Ten percent tolerance due to increase in Title Abstract/Search Fee from $0 to $850, Title Recording Service Fee from $0 to $100, and Title Wire Fee from $0 to $100 on XXX CD without valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 7.21.20 - Client responded. "Disagree - The 10% tolerance fees are not held to an individual 10% threshold.  The 10% tolerance is based on the total.  The initial 10% total on the initial LE was disclosed in the amount of $3,742. The 10% fee total charged on the consummation CD was in the amount of $3,695. This resulted in a decrease of $47 in the 10% tolerance threshold; therefore, no refund would be due. This is not a defect so no corrective action is required.  The borrower did not shop for the title company. 7.21.20 - Exception satisfied.  (No Data)
0359158284 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)
0359158284 Yes A Desk review was received with a reported value of $XXX which is a variance of -11.50% less than the original appraised value of $XXX. A Field review has been ordered. 7.14.20 - A Field Review was received with a reported value of $XXX which is a variance of -$12.46% less than the original appraised value of $XXX. 7.17.20 - Client responded. See attached Underwriter Notes supporting the value of $XXX. Even if the lower value of $XXX was used the LTV increases from 56.38% to 64.41% and would still be eligible for the current product. 7.17.20 - Clayton has reviewed, review of original appraisal is about value on its own and not if it would still meet LTV parameters at a lower value. A dispute of original value can be accepted from client and sent to third party vendor that completed the Field Review for review and additional commentary. Please provide specific questions to rebuttal of the Field Review.7.21.20 - Client provided rebuttal to third party and vendor. 7.21.20 - Clayton has reviewed and sent for vendor appraiser to provide answers to clients rebuttal questions. 7.22.20 - Clayton has received response back from third party vendor with responses to clients rebuttal questions. Value not changed. 7.24.20 - Client responded. Nothing further to provide.  7.14.20 - Exception remains.7.17.20 - Exception remains. 7.21.20 - Exception remains. 7.22.20 - Exception remains. 7.24.20 - Exception remains.  Not Applicable
0280985754          
0087507151 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)
0867809857 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)
0481250894 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)
0189235461          
0343669753          
0961386015 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)
0859339038 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)
0222048694 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)
0150859989 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)
0068334099 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)
0215045432 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)
0369212685          
0227560373 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)
0063703620          
0839053422          
0998683185 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)
0357786446 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)
0363896441 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)
0363896441 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
0133938555 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)
0133938555 No Missing documentation related to citizenship/residency for Borrower 2.  7.30.20 - Client responded. Document requested was originally delivered with the file on XXX, located on pages 700-701 of the PDF. Attached is a copy of the requested document. 7.30.20 - Exception satisfied.  (No Data)
0715819827 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)
0715819827 No $63.60 Ten percent tolerance due to increase in Recording fee from $124 to $200 on CD XXX without valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 7.22.20 - Client responded. " Disagree - The borrower did not shop for the title company.  Ten percent tolerance fees did not increase outside of allowable threshold. Individual fees are not each held to a 10% tolerance. The recording fee was just one of the 10% fees along with the Title - All Endorsements, Title - Closing/Escrow, Title - Lender's Policy, Title - Loan Tie In, Title - Notary and Title - Recording Service fees.  It appears investor did not include Title Services in the 10% tolerance calculation. 7.22.20 - Exception satisfied.  (No Data)
0568261939 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)
0965334319 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)
0965334319 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
0352713344          
0966454336          
0358557373          
0001442055 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)
0001442055 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
0516730458          
0556210574 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)
0083754076 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)
0511638147          
0470845533 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)
0845113102 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)
0909799015 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)
0909799015 No Lender approved exception for lack of housing history. Borrowers have been living with parents for a year and do not have a formal housing payment, but did start to pay rent of 3500.00 in XXX only having about 8 months documented.  Clayton deems non-material based on compensating factors of both borrowers income is steady but also having a high ceiling, First time home buyer, revolving debt is very low. (No Data) (No Data) (No Data)
0954146301 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)
0301448136 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)
0319401242 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)
0041594573          
0172165607 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)
0908976681 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)
0240597962          
0903520123          
0782930932 No Missing fully executed & notarized mortgage deed. 2.5.20 - Client responded. See attached signed Mortgage/DOT. 2.5.20 - Exception satisfied.  (No Data)
0782930932 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)
0203802152          
0800890714 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) (No Data)
0481098853 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)
0004919861 No Missing Affiliate Business Disclosure.  Provide copy of missing document. (No Data) (No Data) (No Data)
0891521076 No Disbursement date is XXX; end of statutory rescission period is XXX. Final CD has transaction date of XXX and does not match the mortgage notary date of XXX or the Transaction date on the right of rescission of XXX. Revised CD required with correct Transaction date and disbursement date. 1.30.20 - Client responded. Disagree:  File contains a PC CD XXX with an acceptable disbursement date of XXX.  PC CD also disclosed correct prepaid interest date beginning XXX.  Disbursement date and prepaid interest date are both after the end of the statutory rescission period.  Final settlement statement in file confirms disbursement occurred after the end of the statutory rescission period.  See attached PC CD. 1.30.20 - Exception satisfied.  (No Data)
0595336838          
0501051732 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)
0455606617 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 8723.03CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 8028.03. Difference is POC of $695.00.  (No Data) (No Data) Numeric
0746575679          
0649420457          
0648759196          
0900495366          
0808367638 No The finance charge is under disclosed by $245.00. Final CD dated XXX disclosed finance charge as $353,074.27, review calculated finance charge to be $353,319.27. The following fees were applied towards APR: Processing $1350.00, Settlement Closing Fee $675.00, Recoding $325.00, Courier Charges $40.00, Recording Service Fee $20.00, Prepaid Interest $1136.73.  Requires corrected PCCD, copy of refund check, reopen of rescission,  LOX and verification of shipping. 1.21.20 - Client responded. Disagree.  The $325.00 Recording is not APR sensitive and should be excluded from test. The finance charge is within tolerance. Final CD dated XXX disclosed finance charge as $353,074.27, review calculated finance charge to be $353,074.20. The following fees were applied towards APR: Processing $1350.00, Settlement Closing Fee $675.00, Tax Service $80.00, Courier Charges $40.00, Recording Service Fee $20.00, Prepaid Interest $1136.66. No remediation required. 1.21.20 - Exception satisfied.  (No Data)
0838672433          
0635074062          
0471622594 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
0945610940 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)
0863192131          
0259971862          
0409719200          
0127493789          
0318458926 No Approved Lender exception for use of Penalty Free Retirement to Meet PCL. B2 is on a fixed income, retired. While B1 is a W2 employee. Clayton deems non-material based on compensating factors of; borrowers' income is sufficient as ratios are 33.80/34.71%. The loan is  XXX Refinance Rate/Term fixed rate loan with less than 55% LTV. Credit Score 809 and borrowers are reducing payment $342. (No Data) (No Data) (No Data)
0643005829 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)
0643005829 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
0628792308          
0062463718 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)
0052669848 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)
0052669848 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
0669124532 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)
0168918329 No The loan file is missing the mortgage statement for the Borrower's property located on XXX to confirm the existence of escrows.  In addition, the Borrower's tax returns noted an additional rental property that was not included on the Borrower's loan application.  The loan file is missing either a CD to note the property on XXX was sold prior to the refinance transaction or the loan file is missing taxes and insurance and mortgage history for that property.  Lastly, the Borrower's tax returns were not signed.The loan file is missing executed evidence that the XXX Heloc is paid and closed. 1.28.20 - Client responded.  XXX is a two-unit, mixed use property that have the same APN / Parcel XXX, see Real Property Search attached. This property shares the same XXX, property taxes and insurance are not escrowed. County of XXX Property Tax Bill (attached) used to calculate property taxes (Parcel XXX); 4479.34/12 = $373.28. 2018 Schedule E (attached) used to calculate hazard insurance; 484 + 454 = 938/12 = $78.16. 2- Per policy, If 8879 form included indicating that e-signatures are filed, acceptable to consider in underwriting, or If tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting. See attachment(s) for 2017-2018 tax returns. 3- Proof that XXX HELOC #XXX has been paid and closed to future draws attached, to include Closing Disclosure and executed Demand Statement. 1.28.20 - Exception satisfied.  (No Data)
0168918329 No The loan file is missing the mortgage statement for the Borrower's property located on XXX to confirm the existence of escrows.  In addition, the Borrower's tax returns noted an additional rental property that was not included on the Borrower's loan application.  The loan file is missing either a CD to note the property on XXX was sold prior to the refinance transaction or the loan file is missing taxes and insurance and mortgage history for that property.  1.28.20 - Client responded. XXX is a two-unit, mixed use property that have the same APN / Parcel XXX, see Real Property Search attached. This property shares the same XXX, property taxes and insurance are not escrowed. County of XXX Property Tax Bill (attached) used to calculate property taxes (Parcel XXX); 4479.34/12 = $373.28. 2018 Schedule E (attached) used to calculate hazard insurance; 484 + 454 = 938/12 = $78.16  1.28.20 - Exception satisfied.  (No Data)
0168918329 No The loan file is missing executed evidence that the XXX Heloc is  paid and closed. 1.28.20 - Client responded. Proof that XXX HELOC #XXX has been paid and closed to future draws attached, to include Closing Disclosure and executed Demand Statement. 1.28.20 - Exception satisfied.  (No Data)
0769257041          
0258703215 No State Disclosure MA Borrower Interest worksheet is missing. (No Data) (No Data) (No Data)
0517855345 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)
0309196218          
0048994182          
0738586526          
0053710878          
0825011780 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)
0506422525          
0861021130 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
0979923763          
0837623139          
0759561368 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)
0759561368 No Missing Paystub or WVOE for B1 within 120 days of note date XXX as required by guidelines. Most recent paystub for B1 is dated XXX. 8.3.20 - Client responded. Documentation used to support & complete the income analysis for B1 attached. Only base income used to qualify. Included in documentation is a XXX statement reflecting XXX 8.3.20 - Exception satisfied. (No Data)
0474592069          
0605906999          
0861695041 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)
0750667513          
0095525438 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)
0029264920          
0019537061          
0949091765 No Lender Approved Exception for expired appraisal. Appraisal expired on XXX and subject loan closed on XXX and funded XXX. Clayton deems non-material based on compensating factors of Rate and Term only, low LTV of 33.48%, DTI of 24.53% and cash reserves in excess of 208k. (No Data) (No Data) (No Data)
0752727842 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)
0809909838 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)
0862687034          
0739437895 No A Desk review was received with a reported value of $XXX which is a variance of -11.7647% less than the original appraised value of $XXX.  A Field Review is recommended 2.25.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.25.20 - Exception satisfied. Not Applicable
0972681508          
0391394779          
0278309532 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)
0278309532 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
0551384264 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)
0889799209 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)
0939621352          
0862681616 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
0488572485 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)
0522380796 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)
0459057085          
0325556072 No Approved Lender exception for High Balance loan and employer subordinate financing on FIX30 primary residence of new construction. Loan previously approved in Non-conforming prior to policy change and need for exception is driven by expired credit report requiring application of new guideline. Clayton deems non-material due to compensating factors of DTI under guideline requirement, Strong employment history, potential for increased earnings, LTV below max, and unblemished credit record.  (No Data) (No Data) (No Data)
0661663742 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)
0052080528          
0707139484 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)
0159110748 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)
0074332767 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)
0632889358          
0139809996          
0697553452 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)
0993638557 No H-9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H-8 (will result in mortgage) was the proper form. 5.4.20 - Client responded. XXX is original lender and CD indicates XXX current mortgage holder. Requested remediation.8.3.20 - Client responded. See RTC Remediation documents attached. 5.4.20 - Exception remains. 8.3.30 - Exception satisfied.  (No Data)
0802433600 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)
0897391047 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)
0674283670          
0498048106 No Final CD dated XXX Estimated Taxes, Insurance & Assessments, $1,736.05 does not equal Loan Disclosures,  Estimated Costs Over Year 1,  $13,541.20.1,736.05x12=$20,832.60.Section: Projected Payments, Field: Estimated Taxes, Insurance & Assessments, Value: 1736.05CD: XXX [Last CD], Section: Loan Disclosures, Field: Estimated Costs Over Year 1, Value: 13541.20 7.31.20 - Client responded. Agree - Estimated Taxes Insurance Assessment monthly amount of $1,736.05 on page 1 of the CD does not calculate to page 4 No Escrow - Estimated Property Costs over Year 1. Annual Insurance $3,165.00; Annual Taxes $7,736.20; Total monthly: $10,901.20; HOA is $220/mo. per Appraisal Report; [((3165 + 7736.20)/12) + 220] x 12 = $13,541.20. Remediation requested.8.5.20 - Client responded. Post Consummation CD sent to the borrower disclosing Estimated Taxes Insurance & Assessments as $1,128.43 (including HOA) on page 1, which corresponds to the amount disclosed in the No Escrow - Estimated Property Costs over Year 1 on page 4.  See attached. 7.31.20 - Exception remains. 8.5.20 - Exception satisfied.  Numeric
0236599301          
0033741212          
0912854435          
0119533286          
0145282348          
0897857613          
0184615918 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)
0469198638          
0293495899          
0635473695 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)
0735642413          
0498878852 No Loan is HFI to HFI and escrow screenshot for HOI was not in file. Only HOI in file is for non subject investment property.  7.13.20 - Client responded. Proof of Hazard Insurance for subject property located at XXX attached.  7.13.20 - Exception satisfied.  (No Data)
0498878852 No Require subordination agreement for $XXX- Subordination agreement obtained is for the original HELOC amount 7.13.20 - Client responded. "1- Executed subordination agreement effective date XXX from XXX attached. Amended (subject) loan not to exceed $XXX per agreement. 2- Executed authorization (modification agreement) from XXX to permanently reduce the HELOC amount to $XXX attached.   " 7.13.20 - Exception satisfied.  (No Data)
0227320863          
0171569977          
0851028019 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)
0946319222 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)
0516136877 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)
0516136877 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
0655929888 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
0898932781 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)
0799073100 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)
0853303055 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)
0563172167 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)
0137339114 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)
0908829049 No Lender approved exception for reserve requirements short of guidelines. Guidelines require 12 months PCL and borrower has 10 months therefore short 2 months PCL. Clayton deems non-material based on compensating factors of rate and term refinance of current XXX loan that closed in XXX, no changes since last loan, income consistent, DTI 39% and cash reserves of over 366k.  (No Data) (No Data) (No Data)
0284969421 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)
0284969421 No Lender approved exception for first time home buyer with no rental payment history. Clayton deems as non-material based upon the following compensating factors:  798 FICO, additional documented income not being used to qualify, increased earning potential. (No Data) (No Data) (No Data)
0451040857 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)
0064696048          
0714739945          
0346467100          
0088694095          
0283839238          
0072023459          
0451328679 No MA interest sheet was not  in the loan file  (No Data) (No Data) (No Data)
0374780613          
0361654718 No Missing Verbal verification of employment for B1 within 10 days of closing. Most recent VVOE dated XXX. Note date XXX. (No Data) (No Data) (No Data)
0779867278 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)
0641506424 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)
0088803259          
0948876575          
0832370919          
0251778131 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)
0481627096          
0384278169          
0976987733 No The loan file is missing executed evidence that the XXX Heloc is paid and closed to future draws. 7.24.20 - Client responded. "Proof that HELOC with XXX #XXX has been paid and closed to future draws attached, to include executed Demand Statement and XXX Confirmation of Closure Letter. This line of credit has been restricted from future advances.    7.24.20 - Exception satisfied.  (No Data)
0976987733 No The loan file is missing executed evidence that the XXX Heloc is paid and closed to future draws. 7.24.20 - Client responded. "Proof that HELOC with XXX #XXX draws attached, to include executed Demand Statement and XXX Confirmation of Closure Letter. This line of credit has been restricted from future advances.    7.24.20 - Exception satisfied.  (No Data)
0127753940          
0259354512          
0247598502          
0863356847          
0993695962          
0312267274          
0347012631          
0949430545          
0302055195          
0447708412 No The loan file is missing executed evidence that the XXX Heloc is  paid and closed to future draws 8.4.20 - Client responded. Evidence the XXX heloc is paid and closed to future draws attached to include executed Closing Disclosure and payoff. XXX payoff reflects upon receipt of payment in full, a release of mortgage will be forwarded for recording.  8.4.20 - Clayton has reviewed and although the payoff reflects to pay loan in full and the CD reflects it being paid off that doesn't mean it was closed. We need evidence it was actually closed. Final Title or form signed by borrower's requesting it to be closed.8.5.20 - Client responded. See attached title policy 8.4.20 - Exception remains. 8.5.20 - Exception satisfied.  (No Data)
0447708412 No The loan file is missing executed evidence that the XXX Heloc is  paid and closed to future draws 8.4.20 - Client responded. Evidence the XXX heloc is paid and closed to future draws attached to include executed Closing Disclosure and payoff. XXX payoff reflects upon receipt of payment in full, a release of mortgage will be forwarded for recording.  8.4.20 - Clayton has reviewed and although the payoff reflects to pay loan in full and the CD reflects it being paid off that doesn't mean it was closed. We need evidence it was actually closed. Final Title or form signed by borrower's requesting it to be closed.8.5.20 - Client responded. See attached title policy 8.4.20 - Exception remains. 8.5.20 - Exception satisfied.  (No Data)
0747876903 No Missing evidence that CD dated XXX was acknowledged by the borrowers 3 days prior to consummation date of XXX.No acknowledgment found on Disclosure data spreadsheet.  7.29.20 - Client responded. Disagree - CD#005 was provided XXX. The CD was confirmed (acknowledged) in YourLoanTracking (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 consumers on XXX and, per XXX testing methodology, this is the same as an in hand delivery. This is not a testing defect so corrective action is not required. Copy of origination system Disclosure Receipt Dates page showing the completed date is attached 7.29.20 - Exception satisfied.  (No Data)
0298450897          
0131015511          
0906124295 No Subject closed XXX, Verbal Verification of Employment is dated XXX.  Per guidelines, a verbal verification of employment (VVOE) must be completed within 10 business days prior to the note date.  VVOE, dated XXX, does not meet guidelines. 7.29.20 - Client responded. VVOE within 10 business days prior to the note date attached. A re-verification of employment was completed XXX 7.29.20 - Exception satisfied.  (No Data)
0392936467          
0523661468          
0818523045 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)
0818523045 No Lender approved exception for Cash-out refinance transactions are not currently allowed. Loan application was taken when policy allowed. Appraisal was completed on XXX, and while that was after our program changes, the appraiser had completed an interior review, so a cash out refinance is still allowed.  Clayton deems non-material based on compensating factors of DTI is 15.06%; max per guidelines is 43%, 778 qualifying score. Min required per guidelines is 720 and high residual income of $23,630.36. (No Data) (No Data) (No Data)
0813559754          
0019693597 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)
0723725595          
0312186098          
0889286925          
0270514570          
0295154142 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) (No Data)
0295154142 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
0473508077          
0444967678 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)
0603616407          
0506388631          
0894361429 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. (No Data) (No Data) (No Data)
0418620572          
0593750468 No Missing verification of monthly HOA fee of $1170 for condo located at XXX 7.30.20 - Client responded. Verification of monthly HOA fee of $1170 for condo located at XXX attached. 7.30.20 - Exception satisfied.  (No Data)
0593750468 No Missing verification of monthly HOA fee of $1170 for condo located at XXX. 7.30.20 - Client responded. Verification of monthly HOA fee of $1170 for condo located at XXX attached. 7.30.20 - Exception satisfied.  (No Data)
0809704197          
0081533443          
0983899404          
0023717246 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)
0467073301          
0568406549          
0349446312          
0277431477 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
0179476000          
0756149207 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)
0496547413          
0650027202          
0020255917          
0379428603          
0431691596          
0963219080 No Missing the VVOE for Borrower 1 within 20 business days prior to the Note date XXX Per lender guidelines, Verbal Verification of Employment (VOE) within 20 business days prior to the note date is required. VVOE in file is dated XXX. (No Data) (No Data) (No Data)
0284486263          
0220866614          
0154347834          
0663811305          
0250295430          
0611409279          
0351542285          
0140924596          
0593007347          
0327241907          
0630130749          
0267452614          
0032521023          
0483504885          
0594193861 No Missing Written VOE from current and previous employers to document the receipt of 2 years prior Bonus income to support Bonus income used in the amount of $3583.33. Per lender guidelines, Bonuses are eligible as monthly income if the employer verifies all of the following:Two-year history of receipt,  Probability of continued receipt, and  Dollar amount of bonuses paid in the last two years. W2's are provided from prior work but no base salary of which to determine the bonus part of the income.  7.13.20 - Client responded. Underwriting notes and XXX employment offer letter attached to support the income analysis used in decisioning.  7.13.20 - Exception satisfied.  (No Data)
0594193861 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)
0594193861 No Missing Written VOE from current and previous employers to document the receipt of 2 years prior Bonus income to support Bonus income used in the amount of $3583.33. Per lender guidelines, Bonuses are eligible as monthly income if the employer verifies all of the following:Two-year history of receipt,  Probability of continued receipt, and  Dollar amount of bonuses paid in the last two years. W2's are provided from prior work but no base salary of which to determine the bonus part of the income.  7.13.20 - Client responded. Underwriting notes and XXX employment offer letter attached to support the income analysis used in decisioning.  7.13.20 - Exception satisfied.  (No Data)
0647534571          
0047160022          
0248003834          
0559042113 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)
0578003446 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)
0776112418 No Per TRID 2.0 Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related. 7.21.20 - Client responded. "Disagree - Seller's CD in imaged file.  See attached Seller's CD. 7.21.20 - Exception satisfied.  Not Applicable
0394419552 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)
0066409759          
0246267980 No Approved Lender exception for Pricing as conforming but underwrite will be as Non-Conforming.  Borrower:  XXX and XXX Loan transaction has been identified as part of the AGENCY loan lift Project (COVID-19) flipping from AGENCY to NON Agency HFI. An EAR task was needed in order to facilitate the price protection feature.  PCO UW reviewed loan transaction for Non- Agency Portfolio eligibility and loan meets FICO.  Clayton deems non-material based on compensating factors of High level of Residual Income Remaining after all Monthly Debt Considered; Decreasing housing expense; Income that the borrower receives but was not used to qualify; Substantial down payment from borrowers own funds or equity in the property; Low front ratio ensures housing is most comfortable option in event of economic stress/life changes; Documented savings pattern; History of satisfactorily maintaining similar level of housing expense and/or debt; Long Term Employment; Refinance to reduce term and/or rate   (No Data) (No Data) (No Data)
0136744927          
0810831453          
0922712899 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)
0989619385 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)
0284474809          
0182212932          
0165873393 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)
0165873393 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
0257396349          
0401012357          
0358054399          
0922512350 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)
0922512350 No Lender approved exception for Reserve Requirements. Borrower has sufficient funds to close and has 8 months in PCL versus 12 months required by guidelines. Borrower only has 2 months in liquid pcl however this is only temporary. Borrower has provided documentation to show that departure is under contract and is to close only a couple days after our closing. Borrower will net over 450k from this sale which will give borrower more than sufficient funds to offset risk.   Clayton deems non-material based on compensating factors of 801 qualifying score. Min required per guidelines is 720, DTI is 40.10%; max per guidelines is 43% and the borrower has been in current profession for 12 years.  (No Data) (No Data) (No Data)
0721986455          
0224364000          
0931169899          
0835118606 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)
0535708673 No Lender approved exception for Post Close Liquidity  Borrower's have $39,463.93 in PCL and need $89,038.68 so short about $49,600 in PCL. Penalty Free Access. Both B1 & B2 are of Retirement age (over 59 ) - they have penalty-free access to their $704k in total IRA funds held with XXX.   Clayton deems non-material based on compensating factors of 794 qualifying score. Min required per guidelines is 680, DTI is 35.66%; max per guidelines is 43% and LTV is 32.99%; CLTV is 46.79%,  max allowed per guidelines is  80% (No Data) (No Data) (No Data)
0233545185 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)
0870664258          
0093567550 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)
0946795954 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)
0714272167          
0332962239          
0139540128 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)
0139540128 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
0603795009 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
0517537840          
0879869880 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)
0015283393          
0802840762 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)
0166311542 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)
0307492802 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)
0307492802 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
0407658248          
0306727754 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)
0540193985 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)
0248166622 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)
0349428232 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)
0224787836          
0582013272 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)
0582013272 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
0417719550          
0087079366 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)
0087079366 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
0581558893          
0137434468          

 

Alt Loan Number Cure Method Compensating Factors
0989559892   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 787 & 788 with a minimum credit score of 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 14 years.
0138895538 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  754 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.80%; max per guidelines is 43%.
0930346800   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job (XXX) with 11.5 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 17.69% with the maximum DTI of 43%.
0801064116   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 24 years and 3 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession of 32 years and 1 month.
0576750534   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 41.1% and maximum allowed is 80%.
0977588995 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.33%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require Post Closing reserves in the amount of  $59,436.12
0661166719 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.12%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $104,803.08- Verified reserves in the amount of $542,430.42
0027754822   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  22 months PITI verified, 12 months required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 772, min 720.
0202129463 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.40% dti is below max guideline of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 816 which exceeds guideline minimum of 680.
0583091889 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 778 is 98 points above the minimum required score of  680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.38% is 11.62 points below the maximum allowable DTI of 43%.
0583091889 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 778 is 98 points above the minimum required score of  680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.38% is 11.62 points below the maximum allowable DTI of 43%.
0583091889 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 778 is 98 points above the minimum required score of  680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.38% is 11.62 points below the maximum allowable DTI of 43%.
0798650653 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  806 qualifying score. Min required per guidelines is 680
0798650653 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  806 qualifying score. Min required per guidelines is 680
0798650653 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  806 qualifying score. Min required per guidelines is 680
0798650653 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  806 qualifying score. Min required per guidelines is 680
0043094472 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guideline at 809 & 790 with a minimum credit score of 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has significant time in Profession with 12 years.
0604615653 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 779 is 99 points above the minimum required score of 680 based on  fixed rate purchase.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.04 is 6.96 points below the maximum allowable DTI of 43%.
0938549248 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  167 Verified cash reserves exceeds guidelines

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned residence for more than 6 years
0911348662 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 12.99%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  790 qualifying score. Min required per guidelines is 680.
0902810032 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  765 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.95%; max per guidelines is 43%.
0902810032 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  765 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.95%; max per guidelines is 43%.
0695825083 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 36.94%; max per guidelines is 43%.
0695825083 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 36.94%; max per guidelines is 43%.
0691226842   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  70 months PITI documented, 12 months required.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked for the same employer for 19 years.
0134540654 Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  68.33% LTV is 11.67% below the maximum allowable LTV of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 724 is 44 points above the minimum required score of 680.
0134540654 Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  68.33% LTV is 11.67% below the maximum allowable LTV of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 724 is 44 points above the minimum required score of 680.
0262565781   CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has been on the same job for 15 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  63 months PITI reserves verified, 12 months required.
0172102535   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.79%, Max 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  70 months PITI reserves documented, 12 months required.
0729153439 Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  444 months credit history

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 38 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at departing residence 27 years, sold and rented while purchasing subject.
0911099746 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  739 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.84%; max per guidelines is 43%.
0350001047 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 qualifying score. Min required per guidelines is 680

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The Borrower has been employed for over 10 years.
0213490791   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $274213.90.  Reserves required $7842.25 x 12 = $94107.00.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 19.70% below guideline requirement of 43%.
0763570031 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  762 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.70%; max per guidelines is 43%.
0763570031 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  762 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.70%; max per guidelines is 43%.
0234789318   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.78%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  776 qualifying score. Min required per guidelines is 680
0464139345   CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have significant time at current residence with 15.2 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 790 & 790 with a minimum credit score of 720.
0356436664   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  36 months PITI documented, 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.78%, max 45%
0802570979   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI is well below the guideline max allowed of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves required are $63,564.48; borrowers post closing reserves are $1,025,353.17, well exceeds the guideline requirement
0790983577   CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 19 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require post closing reserves in the amount of $100,077.72- Verified $646,495.85 in liquid assets.
0331809052   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  776 qualifying score. Min required per guidelines is 680

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 8 years.
0610066876 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL required $58,107.60. Documented as $118,383.13 with additional assets not used to qualify.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower earns bonus income that was not used to qualify.
0844803837   CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.  Co-borrower has been in same profession for 15 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  28 months mortgage history with no late pays.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $572,300.84 in total assets documented.  Effective amount is $516,433.36 with liquid assets of $386,075.94.  Post close reserves are $365,447.63.  Reserves required $5,644.20*18 = $104,595.60
0888662905   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score 775 Guidelines Require 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29% Guidelines Require 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  71.16% LTV / CLTV Required LTV / CLTV 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Provided Reserves Post Close Reserves $307,542.84 or 43.37 Months PITIA Required Reserves; 12
0353191680 Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  32 Months mortgage history with no late pays.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,993,166.09 in total assets documented.  Effective amount is $1,993,166.09 with liquid assets of $1,060.880.06  Post close reserves are $1,718,482.33.  Reserves required $3,957.01*18 = $71,226.18

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 15.75 years.
0338260479 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer 7 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's dti of 35.21% is below max per guideline of 43%
0437258065   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 803 & 800 with the minimum credit score of 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 9 years.
0135334168   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $196,524.87.  Reserves required $3,752.83 x 12 = $45,033.96.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO 795 exceeds minimum guideline requirement of 720.
0755148886 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the current job for 21 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.83 % DTI below guideline max of 43%
0050449033   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1  has significant time at current job of 12.46 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 2 has significant time in profession of 20 years.
0705438794 Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant time at current residence of 16 years and 5 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession of 20 years.
0800502645 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guideline at 779 with a minimum credit score of 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 12 years.
0650506200 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 21.31% with a max DTI of 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has significant time in Profession with 8 years.
0591919625   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 788 & 785 with the minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 26.77% with a max DTI of 43%.
0559590476   CFCFS3824: Borrower contributed an additional down payment
- Clayton Comments:  Borrower contributed an additional down payment

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history
0102082589   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 19.13%; max per guidelines is 43%.
0399386242   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job OF 6 years and 9 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession of 25 years.
0854533661   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $483,674.90  Reserves required $5015.44 x 12 = $60,185.28.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 10.43 years.
0047759133   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $250,485.00. Reserves required $9,182.18 x 12 = $110,186.16

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer as a XXX for 6.90 years.
0645420759 Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Coborrower has documented bonus income received for YTD 2020 $55666.68 as of  12/31/19 $54738.90. This income was not used for qualifying.

CFCFS2860: Good credit history
- Clayton Comments:  Per the credit report, borrower has no derogatory credit reported.
0645420759 Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Coborrower has documented bonus income received for YTD 2020 $55666.68 as of  12/31/19 $54738.90. This income was not used for qualifying.

CFCFS2860: Good credit history
- Clayton Comments:  Per the credit report, borrower has no derogatory credit reported.
0746604537   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 9 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time of 17 years in profession
0336704743   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 months required 59 months verified.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been running his own XXX for 7 years.
0940801201   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.23% DTI below guideline max of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with employer for 12 plus years
0317663639 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 793 is 113 points above the minimum required score of 680 for fixed rate purchase.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage history for first reported 33 months and HELOC for 12; both have no late payments.
0147704935   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 799 is 119 points above the minimum required score of 680 for a fixed rate term refinance.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 56.35% is 23.65 below the maximum of 80%.
0167511513   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.19%, Max 45%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  84 months reserves verified, 12 months required.
0820577794 Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Verified credit history: 17 plus years 0x30.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $538,241.38. Reserves required $5,165.66 x 12 = $61,987.92
0068350309   CFCFS2860: Good credit history
- Clayton Comments:  Excellent repayment history

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage obligations paid as agreed
0829724025   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score 754 Guidelines Require 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 17.12% Guidelines Require 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV / CLTV 66.89%. Required LTV / CLTV 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Provided Reserves Post Close Reserves $382,601.76 or 60.56 Months PITIA Required Reserves; 18
0783159008 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI is 15.67% which is well below the guideline max allowed of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower having Cash reserves after closing of $332,861.88 and strong residual income with other accounts that were not included in reserves.
0501785587   CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been residing at current residence for 17 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Verified mortgage payment history: 44 months 0x30.
0276605721   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 718 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.31% dti is below max guideline of 43%.
0110883483 Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co-borrower has been employed for 12 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  806 qualifying score. Min required per guidelines is 680.
0979650819   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,218,133.81.  Reserves required $8,520.51 x 12 = $102,246.12

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 8.48 years.
0941027510   CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 777 with a minimum credit score of 720.
0805840121   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 811  is 131 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 44.68% is 35.32 below the maximum of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.59% is 16.41 points below the maximum allowable DTI of 43%.
0894886858 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 779 with a minimum credit score of 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 12 years.
0889661042   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 9 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 787 & 761 with the minimum credit score of 720.
0688514980   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $574,691.34. Reserves required $5,010.08 x 12 = $60,120.96 + additional reserves required: $3,062.92x 12 = $36,755.04, Total Reserves Required: $96,876.00.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Verified mortgage payment history 71 months 0x30, guideline requirement 12 months 0x30.
0589653309 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed with same company for 10 years

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 17 years
0512057299 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for 13 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.82%; max per guidelines is 43%.
0512057299 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for 13 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.82%; max per guidelines is 43%.
0717807495 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has Significant time in profession 14 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence 6 years

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Per WVOE co borrower earns bonus income not considered in qualifying.
0916702482 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti of 28.15 is below max per guideline of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  790 qualifying score. Min required per guidelines is 680.
0916702482 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti of 28.15 is below max per guideline of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  790 qualifying score. Min required per guidelines is 680.
0076295465   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1 FICO 816

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 67.80%
0951145322 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  65 months cash reserves exceeds guidelines

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the job for 23 years
0967360890 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $40,855.20- Documented $546,694.18

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 786
0249271958 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.42%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 680.
0657156521 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  800 qualifying score. Min required per guidelines is 680.
0842057111 Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 67.97%, maximum allowed LTV 80%

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 26mos; maximum required 12mos
0972362160   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 20.017% with the max DTI of 43%/.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 19 years.
0336751762 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 10.7 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 768 & 781 with a minimum credit score of 720.
0549121898 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves post closing of $451,415.09 exceed the required amount of $64,758.96.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 36.72% is below the guideline max allowed of 43%
0549121898 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves post closing of $451,415.09 exceed the required amount of $64,758.96.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 36.72% is below the guideline max allowed of 43%
0883771089 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 786 & 776 with the minimum credit score of 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 16 years.
0908902903 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 35.55% is below the guideline max allowed of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for over 15 years
0908349057   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 14.3 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's credit score exceeds guidelines at 803 with a minimum credit score of 720.
0466446164   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti of 23.74 is below max per guideline

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 21 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has been with employer 9yrs and 7 months
0049608561 Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 74.25% below max guideline of 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $244.966.27.  Reserves required $8,568.51 x 12 = $102,822.12 = additional reserves required: $3,282.83 x 12 = $39,393.96, Total Reserves Required: $142,216.08.
0924177369 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of  814  is 134  points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 14.34% is 28.66 points below the maximum allowable DTI of 43%.
0924177369 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of  814  is 134  points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 14.34% is 28.66 points below the maximum allowable DTI of 43%.
0575771080 Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Very low credit line usage ratio of 0.030 demonstrates minimal usage of available credit.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job 8 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has Significant time in profession, 15 years
0083134983   CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with employer for over 8 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total PCL liquidity per guidelines is $47,126.28; Borrowers having Cash reserves of $661,391.04 which is well exceeding the guideline requirement.
0529327719   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $609,056.35.  Reserves required $5406.11 x 12 = $64,873.32 + Additional reserves: $4,460.59 x 12 = $53,527.08, Total required reserves: $118,400.40

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Verified mortgage payment history 25 months 0x30. Guideline requirement 12 months 0x30.
0420380621 Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Verified mortgage payment history: 59 months, 0x30.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for XXX years as a XXX.
0863486295 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $2,463.468.86 in total assets documented.  Effective amount is $2,463,468.86 with liquid assets of $2,353,043.84  Post close reserves are $1,997,920.30.  Reserves required $9,393.11*18 = $169,075.98

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 797 exceeds the required score of 740, 57 points.
0835619778 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO 797 exceeds minimum guideline requirement of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $113,018.00  Reserves required $4,847.41 x 12 = $58,168.92.
0151427407 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 722 is 42 points above the minimum required score of 680 for fixed rate purchase.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $386,789.53 in total assets documented. Effective amount is $386,789.53 with liquid assets of $386,789.53. Post close reserves are $123,450.24. Reserves required $6089.29 x 12 = $73,071.48. Excess post-closing reserves $50,378.76.
0512298226 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 25 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves in the amount of $569,036.71
0592054167 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 786 and minimum required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $212,888.03; required reserves $6882.20 x 12 = $82,586.40.
0157476532 Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional RSU income not used to qualify. Year end paystubs: 2019 $111,793.56 and 2018 $47,172.85.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 741 is 61 points above the minimum required score of 680 based on fixed rate purchase.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.40% is 5.6 points below the maximum allowable DTI of 43%.
0686444542   CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned this home as primary residence for 13 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 799 and minimum required is 680.
0223763003   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 months reserves required. 20.6 months documented.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.65%
0340006234 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  805 qualifying score. Min required per guidelines is 680

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 10 years.
0340006234 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  805 qualifying score. Min required per guidelines is 680

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 10 years.
0765715424 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score 704 Guidelines Require 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 40.75% Guidelines Require 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $577,966.47 in total effective assets documented.  Effective Post close reserves are $207,476.50 or 24.97 Months PITIA Reserves required $8,308.32 x 12 = $99,699.84
0144754849 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  128 months PCL required, 12 months documented.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has been with the same employer for 13 years.
0507890863   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for over 14 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 32.50% which is below the guideline max allowed of 43%
0619370106 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 10 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.19%
0681239646   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 14 years and 3 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession of 17 years.
0975382897   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of  774 is 94 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.12 is 7.88 points below the maximum allowable DTI of 43%.
0427546599   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 781.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower earns bonus income that was not used to qualify.
0541846382   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $599,479.49 in total assets documented.  Effective amount is $599,479.49, with liquid assets of $599,479.49.  Post close reserves are $593,902.55.  Reserves required $8,565.15*18 = $154,172.70

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of  26.672% is 16.328% below maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  credit score of 809 exceeds minimum score of 720, 89 points.
0557215627 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 39.19%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  804 qualifying score. Min required per guidelines is 680
0767536451 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 14.42%; max per guidelines is 43%.
0229532881 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 is employed as a XXX for 21 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 is employed as a XXX for 21 years
0330130341 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $73,819.08- Verified $105,243.63

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI per guidelines is 43%- DTI 27.57%
0330130341 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $73,819.08- Verified $105,243.63

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI per guidelines is 43%- DTI 27.57%
0393404205   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $428,912.08. Reserves required $6,607.50 x 12 = $79,290.00.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 9.94 years.
0243700276 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  760 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.88%, max per guidelines is 43%.
0243700276 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  760 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.88%, max per guidelines is 43%.
0211507519   CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is a XXX with 45 years in the profession

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.65%
0593597731 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  775 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.84%; max per guidelines is 43%.
0824597255 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $196,250.68.  Reserves required $5,055.56 x 12 = $60,666.72.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO 812, exceeds minimum guideline requirement of 720.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 8.95 years.
0152477270 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has Significant time in profession, 7 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers demonstrate ability and willingness to repay.
0617386511 Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have significant time at current residence with 6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has significant time in Profession with 10 years.
0617386511 Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have significant time at current residence with 6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has significant time in Profession with 10 years.
0271765126 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  25.89% DTI below guideline max of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for XXX years
0271765126 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  25.89% DTI below guideline max of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for XXX years
0315630716   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.96% DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  42 months verified cash reserves exceeds guidelines
0267572469   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 770 & 778 with a minimum credit score of 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 10 years.
0393925198 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 41.12%; max per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 77.95%; max allowed per guidelines is  80%
0902968480 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 797 is 117 points above the minimum required score of  680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 12.86% is 30.14 points below the maximum allowable DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% is 5 below the maximum of 80%.
0336214054 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.02%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  813 qualifying score. Min required per guidelines is 680
0888134155 Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has a 2nd full time job that was not used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  37.54 months reserves verified, 12 months required.
0855254554   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 769 and minimum required is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in their current professions for 12 years.
0735665344 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 15 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $1,564,934.76; required reserves is $5601.30 x 12 = $67,215.60; lender also calculated 3 months rental on previous lease as additional required reserves, $11,400, total reserves required $78,615.60.
0299768337 Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 84mos; maximum required 12mos

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  788 credit score.  Minimum required is 680.
0299768337 Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 84mos; maximum required 12mos

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  788 credit score.  Minimum required is 680.
0468358296 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 790 which exceeds guideline minimum of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.75% dti is below max guideline of 43%.
0468358296 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 790 which exceeds guideline minimum of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.75% dti is below max guideline of 43%.
0869490873 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 788 is 108 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $408,456.20 in total assets documented. Effective amount is $389,393.05, with liquid assets of $389,393.05. Post close reserves are $126,812.35. Reserves required $6238.40 x 12 = $ 74,860.80. Excess post-closing reserves $51,951.55.
0704643411 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 28 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 805 and required minimum is 680.
0955505892 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  779 qualifying score. Min required per guidelines is 720

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX for over 7 years.
0955505892 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  779 qualifying score. Min required per guidelines is 720

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX for over 7 years.
0955505892 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  779 qualifying score. Min required per guidelines is 720

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX for over 7 years.
0998097884 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 34 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 785 and minimum required is 680.
0824256616   CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is a XXX for 17 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 803
0494500301 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 811 is 131 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.39% is 9.61 points below the maximum allowable DTI of 43%.
0923368444 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score 810 Guidelines Require 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 11.46% Guidelines Require 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $346,404.12 in total effective assets documented.  Effective Post close reserves are $382,601.76 or 60.56 Months PITIA Reserves required $4,245.72 x 12 = $50,948.64
0072121700 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.17 % DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  40 months of verified cash reserves exceeds guidelines
0588763561 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  22.11%DTI below guideline max of 43%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower owned previous home for 5 years
0365530848 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 12 years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Documented XXX income is greater than the amount used to qualify.
0387275117 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.39%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  801 qualifying score. Min required per guidelines is 680.
0420339769 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines with cash reserves in excess of $740,000.00.
0467160944 Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Per the credit report, borrowers have had no derogatory credit reporting.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Per guideline 12 months reserves required or $66094.20; Verified reserves total $231518.49.
0539743860 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 817 and minimum required is 680.
0534338092 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's dti of 20% is below max per guideline of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  721 qualifying score. Min required per guidelines is 680
0534338092 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's dti of 20% is below max per guideline of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  721 qualifying score. Min required per guidelines is 680
0534338092 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's dti of 20% is below max per guideline of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  721 qualifying score. Min required per guidelines is 680
0627604858 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 12.78%, max 45%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  28 months PITI verified, 12 months required.
0753650918 Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Both borrowers have zero derogatory credit reported in the most recent 24 months.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower one and 2 paystubs reflect  bonus income that is not considered for qualifying.
0753650918 Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Both borrowers have zero derogatory credit reported in the most recent 24 months.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower one and 2 paystubs reflect  bonus income that is not considered for qualifying.
0743597901 Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Written verification of employment, for both borrowers evidenced receipt of bonus income.  However, bonus is not being considered in qualifying.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qualifying score. Min required per guidelines is 680
0782717819 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 is 111 points above the minimum required score of  680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.82% is 11.18 points below the maximum allowable DTI of 43%.
0090997904   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 6 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 7 years
0924294069 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qualifying score. Min required per guidelines is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 10 years.
0226888709 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 40 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves in the amount of $56,683.80 are required. Documented reserves in the amount of $1,189,320.11
0012825112 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.92%, Max 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has significant additional cash reserves that were not used to qualify. ($470,553 held in investment accounts that have been excluded.)
0308520016 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $832,336.47 in total assets documented.  Effective amount is $832,336.47, with liquid assets of $832,336.47  Post close reserves are $567,910.21.  Reserves required $4,409.77*18 = $79,375.86

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  84 months mortgage history with no late pays.
0135303608 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B is employed with same company for 20 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $36,902.76- Verified $800,659.84
0135303608 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B is employed with same company for 20 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $36,902.76- Verified $800,659.84
0688892413 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 20 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves in the amount of $70,370.64 are required. Documented reserves in the amount of $147,918.00
0688892413 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 20 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves in the amount of $70,370.64 are required. Documented reserves in the amount of $147,918.00
0427664424 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 792 & 800 with the minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 15.934% with a max DTI of 43%.
0869042615 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 129 points above the minimum required score of 680 based on purchase fixed rate.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower receives an annual bonus with a two history of an additional $15,000 per year.
0830258685 Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Per the credit report, borrower has no derogatory credit.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Per The Work Number VVOE, borrower has been with their present employer for 6 years.
0600281900   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  801 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 39.63%; max per guidelines is 43%.
0288333312 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 727 is 47 points above the minimum required score of  680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.19% is 4.81 points below the maximum allowable DTI of 43%.
0072967530   CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has owned present residence for 7 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has owned business for 9.40 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $101709.84 Reserves required $6,230.73*12 = $74,768.76.
0581334006 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower having over16 years at his place of employment.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are $122,029.75 which is more than PCL requirement of $56,880.39
0296899056 Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower received additional income or incentive share pay documented on paystubs nit used in qualifying.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at departing residence 6 years.
0296899056 Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower received additional income or incentive share pay documented on paystubs nit used in qualifying.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at departing residence 6 years.
0812480341 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,511,945.95 in total assets documented.  Effective amount is $1,511,945.95 with liquid assets of $1,511,945.95  Post close reserves are $1,997,920.30.  Reserves required $4,881.29*18 = $87,863.22
0030803564 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  209 months PITI verified, 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.81%, Max 45%
0992745387 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guideline at 812 & 817 with a minimum credit score of 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 12 years.
0263676094 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti of 13.64% is below max per guideline

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv of 75% is below max per guideline of 80%
0794863072   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  798 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of 25.50% is below max of 43% (QM) per guidelines.
0455347097 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $301,521.02.  Reserves required $9,040.73 x 12 = $108,488.76 + additional reserves required: $3,930.01 x 12 = $47,160.12, Total reserves required: $155,648.88.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO 758 exceeds minimum guideline requirement of 720.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Verified mortgage payment history 25 months 0x30.
0060223626   CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has spent 20 years in the same profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 818 and minimum required is 680.

CFCFS1747: Housing expense increase is 10% or less
- Clayton Comments:  Housing expense is decreasing from $7534.79 to $7090.45.
0603795050   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of 28.51% is below QM max of 43%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional income from 1120S that is not being considered for qualifying.
0393821377 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 799 & 798 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirements at 33.03% with a max DTI of 43%.
0032308265 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 13 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying score. Min required per guidelines is 680.
0173011766 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 807 with a minimum score of 680

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have significant time in Profession with 10 and 13 years.
0160805595 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 35.15% which is below the guideline max allowed of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for over 14 years.
0164169124 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.27%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  812 qualifying score. Min required per guidelines is 680
0321682861 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.42 % DTI below guideline max of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 6 years
0266332566 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 704 is  24  points above the minimum required score of  680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.99% is 6.01 points below the maximum allowable DTI of 43%.
0266332566 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 704 is  24  points above the minimum required score of  680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.99% is 6.01 points below the maximum allowable DTI of 43%.
0923174486   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.04 % DTI Below guideline requirement of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 10plus years
0448045178 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 801 & 796 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 11.765% with a max DTI of 43%.
0022196177 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $793,842.16.  Reserves required $5,291.44 x 12 = $63,497.28

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has well-established credit history since 1996 and have good payment performance on current debt obligations.
0417818039 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.22%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  805 qualifying score. Min required per guidelines is 680.
0237859061 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has significant time in profession of 15 years.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per Credit Report, Borrower does not have any major mortgage related occurrences during the past two years.
0237859061 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has significant time in profession of 15 years.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per Credit Report, Borrower does not have any major mortgage related occurrences during the past two years.
0160708658 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower FICO 808

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 30 years
0720796530 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  46 months PITI reserves verified, 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.66%, max 45%
0477679524 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.27%; max per guidelines is 43%.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  High potential for increased earnings
0744499361 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 5 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.08 5 DTI below guideline max of 43%
0975573299 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 780 & 809 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 17.414% with a max DTI of 43%.
0843927182 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.85%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 799
0843927182 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.85%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 799
0775509339 Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Verified mortgage payment history 48 months, 0x30, guideline requirement 12 months, 0x30.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $359,141.05.  Reserves required $9,849.97 x 12 = $118,199.64.
0749205092   CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Only paystubs were used to qualify income

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history

CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Significant total monthly debt reduction
0816593315 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 is employed as a XXX for 14 years and 5 months

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves verified in the amount of $211,863.42
0535167466 Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per the credit report, the borrower has not had any mortgage related occurrences in the most recent 24 months.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Per the credit report, borrower has no late payments reported.
0986529188 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 781 is 101 points above the minimum required score of 680 for fixed rate second home purchase.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.42% is 19.58 points below the maximum allowable DTI of 43%.
0413212740 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $959,201.08.  Reserves required $12,822.30 x 18 = $230,801.40 + Additional reserves required: $6,316.25 x 12 = $75,795.00, Total reserves required: $306,596.40.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Verified mortgage payment history 46 months 0x30.
0923078250 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 6.26 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $428,198.95 in total assets documented.  Effective amount is $428,198.95 with liquid assets of $428,198.95.  Post close reserves are $172,002.49.  Reserves required $5,513.05*18 = $99,234.90
0923078250 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 6.26 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $428,198.95 in total assets documented.  Effective amount is $428,198.95 with liquid assets of $428,198.95.  Post close reserves are $172,002.49.  Reserves required $5,513.05*18 = $99,234.90
0259008881 Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  borrower has been at previous residence for 6years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  131 verified cash reserves exceeds guidelines
0645299722   CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 49.23% is 30.77 below the maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 805 is 125 points above the minimum required score of 680.
0498172094 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for over XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  805 qualifying score. Min required per guidelines is 680
0498172094 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for over XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  805 qualifying score. Min required per guidelines is 680
0901376930 Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per the credit report, borrower has not had any mortgage related occurrences.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Per the VOE, coborrower has been with their present employer for 4 years 9 months.
0042771531 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Per guideline, 12 months reserves or $100283.52 is required; Verified reserves total $400551.42

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Per employer WVOE,both borrowers earn bonus and other income that is not considered for qualifying.
0781622595 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $152,470.81 OR 39.24 months, guidelines require 12 months

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with XXX for 6 years
0031110663   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 800 which exceeds guideline minimum of 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.66% dti is below max guideline of 43%.
0483773242 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  41.48% dti is below max guideline of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 760 which exceeds guideline minimum of 680
0098944585   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  762 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.36%; max per guidelines is 43%.
0025870633   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 9 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.933%; max per guidelines is 43%.
0655475927 Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  62.94 % LTV is below guideline max of 80%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owed previous residence for 8 years
0181741021   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 807 & 799 with a minimum credit score of 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 23 years.
0850369105 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 795 & 812 with the minimum credit score of 720.
0575789424   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  46 months reserves verified, 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.09% DTI, max 45%
0729802768 Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  65 months mortgage history with no late pays.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,339,136.66.  Reserves required $7,561.05*18 = $136,098.90

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29.14% is 13.86% below maximum of 43%.
0864403324 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $65,925.85- Documented reserves in the amount of $332,824.59

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 796
0650893622 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $2,119,622.89 in total assets documented.  Effective amount is $2,129,622.89 with liquid assets of $2,119,622.89  Post close reserves are $1,618,261.39.  Reserves required $6,922.84*18 = $124,611.12

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.96% is 12.04% lower than the maximum of 43%.
0565425587 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score 767 Guidelines Require 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.97% Guidelines Require 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Provided Reserves Post Close Reserves $788,568 or 245.16 Months PITIA Required Reserves; 24
0305255025 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX for 6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.96%, max per guidelines is 43%
0305255025 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX for 6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.96%, max per guidelines is 43%
0305255025 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX for 6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.96%, max per guidelines is 43%
0537128109 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 16.4 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 765 with the minimum credit score of 720.
0537128109 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 16.4 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 765 with the minimum credit score of 720.
0073212779 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 804

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 20 years
0073212779 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 804

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 20 years
0359158284 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's dti of 37.06% is below guideline max

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's ltv of 56% is below max per guideline of 80%
0359158284 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's dti of 37.06% is below guideline max

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's ltv of 56% is below max per guideline of 80%
0280985754   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 12 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession of 15 years.
0087507151 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guidelines at 22%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 950k.
0867809857 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co borrower has Significant time in profession, 15 years

CFCFS2860: Good credit history
- Clayton Comments:  Low credit usage.
0481250894 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job for 11.49 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $99,302.35.  Reserves required $6,037.01 x 12 = $72,444.12.
0189235461   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti of 38.32% is below max per guideline

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv of 68% is below max per guideline of 80%
0343669753   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 811 and minimum required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closingreserves is $787,812.31; required reserves is $5636.01 x 12 = $64,356.12.
0961386015 Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 52mos; maximum required 12mos

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 20.27%, maximum allowed of 43%.
0859339038 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guides at 32.5%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guides at 60%.
0222048694 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been a XXX for 11 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owed current residence for 11 years
0150859989 Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant time in current residence at 8.7 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 810 & 785 with a minimum credit score of 720.
0068334099 Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Verified mortgage payment history: 43 months, 0x30.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO 793 exceeds minimum guideline requirement of 680.
0215045432 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  107 months PITI documented, 12 months required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 796, min 620.
0369212685   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.52 DTI blow guidelines max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  53.21% LTV below guideline max of 75%
0227560373 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $40,991.40- Verified $196,125.85

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 is with same employer for 10 years
0063703620   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $593,531.00 in total assets documented. Effective amount is $593,531.00, with liquid assets of $593,531.00.  Post close reserves are $486,278.82.  Reserves required $4,085.19 x 12 = $49,022.28

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualify FICO 788 exceeds guideline minimum requirement of 720.
0839053422   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 is employed with XXX for 10 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $73,346.40- Verified $2,511,458.94
0998683185 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves are $651,584.03 or 99.76  months verified cash reserves exceeds guidelines of 18 months reserves.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with employer for 7 years
0357786446 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job, 14 years.

CFCFS2860: Good credit history
- Clayton Comments:  Credit line usage ratio of 0.09 is very low demonstrating minimal usage of available credit.
0363896441 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.59% DTI below guideline requirement of 35%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778 credit score exceeds the guideline
0363896441 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.59% DTI below guideline requirement of 35%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778 credit score exceeds the guideline
0133938555 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 806 & 770 with a minimum credit score of 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with XXX years.
0133938555 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 806 & 770 with a minimum credit score of 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with XXX years.
0715819827 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 13 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $91,823.40- Verified $651,565.19
0715819827 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 13 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $91,823.40- Verified $651,565.19
0568261939 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower having over 14 years in profession as a XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 34.80% below the guideline max allowed of 43%
0965334319 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 26 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $258,317.45; required reserves is $4163.18 x 12 = $49,958.16
0965334319 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 26 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $258,317.45; required reserves is $4163.18 x 12 = $49,958.16
0352713344   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $3,224,171.30.  Reserves required $5,762.25 x 12 = $69,147.00 + Additional Reserves: $5,156.92 x 12 = $61,883.04, Total Reserves Required: $131,030.04.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Verified mortgage payment history: 84 months 0x30, guideline requirement: 12 months 0x30.
0966454336   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 793 & 801 with a minimum credit score of 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with XXX years.
0358557373   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 820 and minimum required is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 18 years.
0001442055 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.07 % DTI below guideline max of 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 16 years
0001442055 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.07 % DTI below guideline max of 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 16 years
0516730458   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 761  is 81 points above the minimum required score of  680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.80% is 19.20 points below the maximum allowable DTI of 43%.
0556210574 Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has Significant time at current residence, 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 812 exceeds guidelines
0083754076 Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower WVOE reflects bonus income not used in qualifying.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have very low credit line usage ratio 0.15.
0511638147   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.66% DTI below guideline requirement of 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been a XXX for 12 years
0470845533 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of  785 is 105 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.15% is 18.85 points below the maximum allowable DTI of 43%.
0845113102 Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Additional documented income not used in qualifying

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history
0909799015 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI of 27.43% which is below the guideline max allowed of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  x
0909799015 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI of 27.43% which is below the guideline max allowed of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  x
0954146301 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $419,973.50.  Reserves required $7,046.59 x 12 = $84,559.08 + additional reserves: $2,938.66 x 12 = $35,263.92, Total Reserves Required: $119,823.00.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 8.65 years.
0301448136 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.46%. Max 45%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 781, min 720/
0319401242 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL required $93,726.18; cash reserves after closing $692,982.80 which exceeds the guideline requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 34.87%, guideline max allowed is 43%
0041594573   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.35% below guideline requirement 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 807  exceeds guidelines
0172165607 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.76 % DTI below guideline max of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for XXX years
0908976681 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.55 % DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  90 months of verified cash reserves exceeds guidelines
0240597962   CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Borrower is reducing his monthly payment from $3,907 to $3,493 increasing his cash flow by $414.00

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has a mortgage payment history of 0x30 for the last 4 years

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 20 years.
0903520123   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qual score.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  64.21% LTV.
0782930932 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.17 % DTI below guideline max of 45%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  773 credit score exceeds guideline requirement of 740 by 33 points
0782930932 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.17 % DTI below guideline max of 45%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  773 credit score exceeds guideline requirement of 740 by 33 points
0203802152   CFCFS3836: Borrower Net Worth
- Clayton Comments:  Borrowers have $1,417,414.58 liquid assests and $867K in retirement savings.

CFCFS2860: Good credit history
- Clayton Comments:  Excellent repayment history
0800890714 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.18%;max per guidelines is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 months reserves required, 58 months documented.
0481098853 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.68%, max per guidelines is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $266,196.84 or 35.25 months, guidelines require 18 months or $141,439.32
0004919861 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.98% below guideline requirement of 43% by 11.02%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $71,484.09 or 19.02 months PITI
0891521076 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's median credit score is 802; guideline minimum is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 23 years.
0595336838   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with over 9 years of XXX.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a good credit history with a representative credit score of 819.
0501051732 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for 17 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 781, min 720.
0455606617 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 793 and minimum required is 700.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0746575679   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.69%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 38 months reserves. 12 months required for this program.
0649420457   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:  Calculated Assets $63,144.54.  Effective Assets $63,144.54.  Liquid Assets $63,144.54.  Post closing reserves $47,713.46.  12mo reserves or $39,077.88 required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 19.56%; Maximum for program is 43%
0648759196   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $573,396.05. Reserves required $4,558.18 x 12 = $54,697.44 + Additional Reserves: $3,729.00 x 12 = $44,748.00, Total Reserves Required: $99,445.44.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO 777 exceeds minimum guideline requirement of 680.
0900495366   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $98,716.95.  Reserves required $4839.61 x 12 = $58,075.32

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 52.27%, max allowed per G/L is 70%
0808367638 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20%. Max DTI for this program is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 11 years.
0838672433   CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 44.33%; max allowed per guidelines is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 41.14% max per guidelines is 43%.
0635074062   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.37% below guideline requirement of 43% by 19.63%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B2 employed at current job 17 years
0471622594 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $155,281.91, required PCL are $53,879.40.  Exceeding guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for over 15 years
0945610940 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 90 months reserves. 24 months required for this program.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower's in their professions for 19 and 20 years.
0863192131   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 24.94 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 10%; guideline maximum is 43%.
0259971862   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 31 months reserves. 6 months required for this program.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 bonus income not used to qualify.
0409719200   CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 67.13%; guidelines allow a maximum LTV 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 26.59%; guidelines allow a maximum DTI 43.00%.
0127493789   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $511,105.43 in total assets documented.  Effective amount is $511,105.43 with liquid assets of $420,378.44  Post close reserves are $296,220.45.  Reserves required $4,090.93*18 = $73,636.74

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.78% is 12.22% lower than the maximum of 43%.
0318458926 Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 54.47%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 809; guidelines allow a minimum Credit Score 680.
0643005829 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 808; guideline minimum is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been with current employer for 18 years.
0643005829 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 808; guideline minimum is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been with current employer for 18 years.
0628792308   CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 15yrs

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 798 exceeds guidelines 720 by 78pts
0062463718 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.48%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified PITI reserves in the amount of $202,640.88
0052669848 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 784; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $581,774.86.  Per program guidelines, 18mo PITI/PL  required or $81,349.74.
0052669848 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 784; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $581,774.86.  Per program guidelines, 18mo PITI/PL  required or $81,349.74.
0669124532 Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at present residence for 13.54 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $733,294.59 in total assets documented.  Effective amount is $717,146.56 with liquid assets of $532,483.61.  Post close reserves are $509,346.06.  Reserves required $4,263.86*18 = $76,749.48
0168918329 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 19 years of service with current employer.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  C0-Borrower has over 19 years of service with current employer.

CFCFS2860: Good credit history
- Clayton Comments:  760 qualifying score. Min required per guidelines is 680.
0168918329 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 19 years of service with current employer.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  C0-Borrower has over 19 years of service with current employer.

CFCFS2860: Good credit history
- Clayton Comments:  760 qualifying score. Min required per guidelines is 680.
0168918329 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 19 years of service with current employer.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  C0-Borrower has over 19 years of service with current employer.

CFCFS2860: Good credit history
- Clayton Comments:  760 qualifying score. Min required per guidelines is 680.
0769257041   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the current employer for 11.63 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 808; guideline minimum is 720.
0258703215 Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 74.19%- Max of 80% permitted

CFCFS1750: High potential for increased earnings
- Clayton Comments:  B1 employed as a XXX for just under 2 years- Previously a XXX
0517855345 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Scores exceed guidelines at 796 & 811 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline at 28.71% with a max DTI of 43%.
0309196218   CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has additional documented income of 3 year average bonus of $8,335.64 per month not used to qualify.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.77% is below guideline of 43%
0048994182   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.79 % DTI below guideline max of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been  with employer for 11 years
0738586526   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  772 qual score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.77% DTI.
0053710878   CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have reside at the current reside for 12.84.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 25.28 years.
0825011780 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $41,647.80- Documented $960,730.62

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 is employed with the XXX for 21 years
0506422525   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.95% is below guideline requirement 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 20yrs
0861021130 Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus income for b1 and bonus and commission incomes for b2 not used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 23 months reserves. 12 months required for this program.
0979923763   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  12.88% DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  47.62% LTV below guideline max of 80%
0837623139   CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 26.79% below guideline requirements 80% by 53.21pts

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 790 exceeds guidelines 720 by 70pts
0759561368 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  13.95% DTI. Max 45%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 784. Min 720
0759561368 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  13.95% DTI. Max 45%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 784. Min 720
0474592069   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  82 months PITI verified, 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 12.76%, max 45%.
0605906999   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 776 and minimum required is 680.
0861695041 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 778 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 16 years of significant time in profession
0750667513   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $120,610.78. Reserves Required: $4,172.62 x 12 = $50,071.44

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Verified mortgage payment history: 84 0x30, guideline requirement 12months, 0x30.
0095525438 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.37% is below the maximum of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71.23% is below the maximum of 80%.
0029264920   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $685,791.12  Reserves required $7,088.11 x 12 = $85,057.32.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Verified mortgage payment history: 25 months, 0x30, guideline requirement: 12 months, 0x30.
0019537061   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 802 which exceeds guideline minimum of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.57% DTI is below max guideline of 43%.
0949091765 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.53% well under guideline requirement.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 33.48% well under the guidelines of 80%.
0752727842 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  102 months PCL documented, 18 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.75%, max 45%.
0809909838 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of  741 is 61  points above the minimum required score of  680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job since XXX.
0862687034   CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 72.97% is below guideline maximum of 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.23% is below guideline requirement of 43%
0739437895 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 764; guideline minimum 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer 12 years.
0972681508   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 9 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.71% below guideline requirement
0391394779   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves in excess of 243k

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 766
0278309532 Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 50.13% and maximum allowed is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 782 and minimum required is 680.
0278309532 Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 50.13% and maximum allowed is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 782 and minimum required is 680.
0551384264 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 793 and minimum required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $193,434.03; required reserves is $2935.01 x 12 = $35,220.12.
0889799209 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $185,882.28.  Reserves required $5,018.17 x 12 = $60,218.04

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO 802 exceeds maximum guideline requirement of 680.
0939621352   CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower having over 8 years in profession

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower having no lates, no foreclosures, short sales ever on credit report.  Has a strong residual income and low balances on the credit cards he uses.
0862681616 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  45 months PITI reserves verified, 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.13%, max 45%.
0488572485 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 27.13% is 15.87% lower than the maximum DTI of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,269,418.89 in total assets documented.  Effective amount is $1,269,418.89 with liquid assets of $971,308.72  Post close reserves are $1,028,682.51.  Reserves required $4,916.38*18 = $88,494.85
0522380796 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $460,738.31.  Reserves required $5676.87 x 12 = $68,122.44.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO 784 exceeds guideline requirement of 720.
0459057085   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of  797  is 117 points above the minimum required score of  680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.46% is 4.54 points below the maximum allowable DTI of 43%.
0325556072 Not Applicable CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower is a XXX with potential for increased earnings.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.03% is 6.97 points below the maximum allowable DTI of 43% and DTI includes a payment on a forgivable employer loan.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have an excellent credit history with no late payments.
0661663742 Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job 6 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 4 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 16.25%; max per guidelines is 43%.
0052080528   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 800 and required minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.77% and maximum allowed is 43%.
0707139484 Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV of 70% is below the guideline max allowed of 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower having $172,773.51 after closing exceeding the PCL guideline of 12 months or $48,081.99.
0159110748 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 21 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 is employed with XXX for 12 years
0074332767 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  792 qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.52%; max per guidelines is 43%.
0632889358   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 is a XXX for 10 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 776
0139809996   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  16.34 % DTI below guideline requirement of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  25  months of verified cash reserves exceeds guidelines
0697553452 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower having over 22 years with same employer

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower having PCL reserves of $1,245,117.08; exceeding the 12 month PCL requirement of $94,678.02 per guides.
0993638557 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 19.14% well below the guideline max of 43% allowed.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV is 45.42% well below the guideline max allowed of 80%.
0802433600 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 797 with a minimum credit score of 740.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 20 years.
0897391047 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:  39.68% dti is below max guideline of 43%.
0674283670   CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years on current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV at 75% under guidelines max of 80%.
0498048106 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 30.8 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant time at current residence with 24.2 years.
0236599301   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $346,851.24.  Reserves required $7,617.13 x 12 = $91,405.56

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO 778 exceeds minimum guideline of 720.
0033741212   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $81,989.52 PITI reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 791
0912854435   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 14.75 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $292,025.48.  Reserves required $6541.14 x 12 = $78,493.68.
0119533286   CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been residing at current residence for 7.62 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 54.00% below max guideline of 80%
0145282348   CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 10 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 9.47 years.
0897857613   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.45%; max per guidelines is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 18 years.
0184615918 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 18 years and 2 months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $431,172.09 in total assets documented.  Effective amount is $431,172.09 with liquid assets of $431,172.09.  Post close reserves are $268,545.37  Reserves required $4,117.93*18 = $74,122.74
0469198638   CFCFS2860: Good credit history
- Clayton Comments:  Excellent repayment history

CFCFS3836: Borrower Net Worth
- Clayton Comments:  Borrower $777k in liquid assets
0293495899   CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant time in current residence with 28.5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 791 with a minimum credit score of 720.
0635473695 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  785 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.34%; max per guidelines is 43%.
0735642413   CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 14 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Verified mortgage payment history 74 months 0x30.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $488,657.27.  Reserves required $5,613.43 x 12 = $67,361.16 + Additional reserves: $3,655.00 x 12 = $43,860.00, Total reserves required: $111,221.16.
0498878852 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession as a XXX for 20 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified $78,699.30- $0.00 reserves required- HFI to HFI
0498878852 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession as a XXX for 20 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified $78,699.30- $0.00 reserves required- HFI to HFI
0227320863   CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Additional documented income not used in qualifying

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 10 years.
0171569977   CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 68.18% is 11.82 below the maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 738 is 18 points above the minimum required score of  720.
0851028019 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 28.99% which well below the guideline max allowed of 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total required post close reserves are $79,278.48, borrower having $271,125.28 which exceeds the requirement
0946319222 Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Paystubs, reflect bonus income not considered in qualifying income.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Program permits 43% maxDTI; transaction DTI is 24.39%.
0516136877 Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant time at current residence with 12 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 13 years.
0516136877 Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant time at current residence with 12 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 13 years.
0655929888 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.55%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  804 qualifying score. Min required per guidelines is 680
0898932781 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has Significant time in profession 11 years

CFCFS2860: Good credit history
- Clayton Comments:  Credit line usage ratio is very low at 0.05% reflecting minimal usage.
0799073100 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti of 27.28 is under max per guideline of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has cash reserves of $153,542.86
0853303055 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 788 and minimum score is 680.

CFCFS1747: Housing expense increase is 10% or less
- Clayton Comments:  Previous rental payment was $3643 per month and new housing payment is $3775.30, this is 4%.
0563172167 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  765 qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.08%; max per guidelines is 43%.
0137339114 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 39.52%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  785 qualifying score. Min required per guidelines is 680
0908829049 Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 77.11%; max allowed per guidelines is  80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 39.96%, max per guidelines is 43%
0284969421 Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Paystubs evidence that borrower has additional documented income that is not being used to qualify.  Borrower received a bonus in 2019 & 2020, in the approx. amount of $XXX +.   Borrower also receives RSUs.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Midpoint fico of 798 exceed guideline minimum of 720.
0284969421 Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Paystubs evidence that borrower has additional documented income that is not being used to qualify.  Borrower received a bonus in 2019 & 2020, in the approx. amount of $XXX +.   Borrower also receives RSUs.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Midpoint fico of 798 exceed guideline minimum of 720.
0451040857 Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower one's pay reflects incentive income not considered for qualifying.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per the credit report, borrower has not had any mortgage related occurences in the most recent 24 months.
0064696048   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.38%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  727 qualifying score. Min required per guidelines is 680
0714739945   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 767 with the minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 36.43% with the max DTI of 43%.
0346467100   CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 23mos; maximum required 12mos

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 31.69% below maximum allowed of 43%.
0088694095   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 31.34% is well below the guideline max allowed of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower having cash reserves of $473,274.23
0283839238   CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession 12 years, co borrower 23 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Low DTI 27.09
0072023459   CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 10 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 2.72%
0451328679 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.85 % DTI below the guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  37.83 % LTV below guideline max of 80%
0374780613   CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 19.43% below max guideline of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $45,821.30.  Reserves required $9,882.75 x 12 = $118,593.00.
0361654718 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for 20 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.50% max 45%.
0779867278 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Per guideline, required reserves total 18 months or $106834.86 ; borrower verified reserves total $1,295,534.16 however several accounts are not considered for qualifying. Total available reserves in accounts considered for qualifying is $192226.35 however 60% of borrower total validate reserves is $777,320.50.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has had no derogatory credit reported in the most recent 24 months.
0641506424 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  17.27% DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  281 verified cash reserves exceeds guideline max
0088803259   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed with same company for 10 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 is employed with same company for 10 years
0948876575   CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 70.56%; max allowed per guidelines is 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 16.34%; max per guidelines is 43%.
0832370919   CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 14 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $82,786.13; required reserves is none, this is an HFI to HFI refinance.
0251778131 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for over 16 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV is below the guideline max allowed of 80%
0481627096   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI under guidelines at 34%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves in excess of 261k.
0384278169   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 19.39%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  819 qualifying score. Min required per guidelines is 680
0976987733 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  795 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 41.68%; max per guidelines is 43%.
0976987733 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  795 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 41.68%; max per guidelines is 43%.
0127753940   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.48% max 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  54 months PITI reserves verified, 12 months required.
0259354512   CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 25 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Cash reserves in the amount of $161,900.07 or 44.29 months, required reserves are 18 months.
0247598502   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score 763 Guidelines Require 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.12% Guidelines Require 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  55.89% LTV / CLTV . Required LTV / CLTV 80%
0863356847   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.54%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 44.41% CLTV 62.55%
0993695962   CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 52.64%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  HFI to HFI- Required PITI reserves $0.00. Documented liquid assets in the amount of $66,145.19
0312267274   CFCFS2860: Good credit history
- Clayton Comments:  Low credit usage ratio of 0.110 demonstrates limited use of available credit.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower's annual rate of pay recently increased by $106,000 however qualified using lower amount.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.45 is very low.
0347012631   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.77%

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 is in the same profession for 11 years
0949430545   CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Additional documented income not used in qualifying

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 19 years

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history per credit report in file all accounts paid as agreed.
0302055195   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.96% low DTI

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  29 months PITI documented 12 months required.
0447708412 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  768 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.17% max per guidelines is 43%.
0447708412 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  768 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.17% max per guidelines is 43%.
0747876903 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of  794 is 114 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 58.14% is 21.86 below the maximum of 80%.
0298450897   CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 9 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  768 qualifying score. Min required per guidelines is 680.
0131015511   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  22.35 % DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  66.97% LTV below guideline max of 80%
0906124295 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 13.91 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $154,283.14 in total assets documented.  Effective amount is $154,283.14 with liquid assets of $154,283.14.  Post close reserves are $154,283.14  Reserves required $3,195.05*18 = $57,510.90
0392936467   CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Verified mortgage payments: 16 months 0x30.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO 799 exceeds minimum guideline requirement of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,181,946.82  Reserves required $5,288.14 x 12 = $63,457.68
0523661468   CFCFS2860: Good credit history
- Clayton Comments:  Per the credit report borrower has not had any reported derogatory credit.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower paystubs reflect additional bonus income os $100000 YTD that is not considered for qualifying.
0818523045 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.06 % DTI below guideline requirements of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 12 years
0818523045 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.06 % DTI below guideline requirements of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 12 years
0813559754   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 718 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  39.39% dti is below max guideline of 43%.
0019693597 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 12.77 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned present residence for 10.19 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  84 months mortgage history with no late pays.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,635,001.43 in total assets documented.  Effective amount is $1,635,001.43 with liquid assets of $853,748.25.  Post close reserves are $1,504,047.73.  Reserves required $3,900.32*18 = $70,205.76
0723725595   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 773 is 93 points above the minimum required score of 680 for fixed rate purchase.
0312186098   CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV under guidelines at 63.66%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI under guidelines at 37.5%
0889286925   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.38%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying score. Min required per guidelines is 680.
0270514570   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  170 months PITI verified, 12 months required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 791, min 720.
0295154142 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.94%, max 45%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  qualifying score 773, min 720.
0295154142 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.94%, max 45%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  qualifying score 773, min 720.
0473508077   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for over 12 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI is 27.37% which is well below the guideline max allowed of 43%
0444967678 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 5 years and 7 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession of 6 yrs.
0603616407   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.71% DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  67.16 % LTV below guideline max of 80%
0506388631   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 is working for the same employer for 28 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower is with the same employer for 24 years
0894361429 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 778 is 98  points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.17%  is 12.83 points below the maximum allowable DTI of 43%.
0418620572   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $644,365.24 in total assets documented.  Effective amount is $503,535.69, with liquid assets of $292,291.37.  Post close reserves are $273,051.06.  Reserves required $4259.23 x 12 = $51,110.76

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 10 years.
0593750468 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 28 years and 10 months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $275897.08.  Reserves required $4619.34 x 18 = $83148.12.
0593750468 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 28 years and 10 months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $275897.08.  Reserves required $4619.34 x 18 = $83148.12.
0809704197   CFCFS1737: LTV below guideline requirements
- Clayton Comments:  57.29% LTV is 22.71% below the maximum allowable LTV of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.20% DTI is below the maximum allowed DTI of 45%.
0081533443   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  31 months PITI reserves verified, 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.97%, max 45%
0983899404   CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower earns bonus income documented with WVOE and paystubs but this was not used to qualify.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.41%, max 45%.
0023717246 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI is 19.24 which is well below the guideline max allowed of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV 69.38, below the guideline max allowed of 80%
0467073301   CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 30 years.

CFCFS1747: Housing expense increase is 10% or less
- Clayton Comments:  Monthly housing expense is decreasing from $7274.83 to $6373.60.
0568406549   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 796 is 116 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 42.26% is 37.74 below the maximum of 80%.
0349446312   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $291,403.51. Reserves required $11,159.17 x 12 = $133,910.04 + additional required reserves $2,162.04 x 12 = $25,944.48, Total Required Reserves: $159,854.52.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO 808 exceeds minimum guideline requirement of 720.
0277431477 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 5 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 12 years
0179476000   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 812 is 112 points above the minimum required score of 700 for 2-4 unit owner occupied property.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 24.61% is 50.39 below the maximum of 75% for 2 unit primary residence.
0756149207 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score exceeds guidelines at 763.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guidelines at 38.4%
0496547413   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 775 is 95 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 56.31% is 23.69 below the maximum of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.29% is 23.71 points below the maximum allowable DTI of 43%.
0650027202   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $848,465.15 in total assets documented.  Effective amount is $848,465.15 with liquid assets of $103,680.15  Post close reserves are $846,917.53.  Reserves required $4,529.62*18 = $81,533.16

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  41 months mortgage history with no late pays
0020255917   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 10.36 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $255,537.80. Reserves required $4009.03 x 12 = $48,119.16
0379428603   CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B1 is with the same employer for 15 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.56%
0431691596   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 814 is 134 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 76.47% is 3.53 below the maximum of 80%.
0963219080 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.86%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  804 qualifying score. Min required per guidelines is 680.
0284486263   CFCFS2860: Good credit history
- Clayton Comments:  Excellent repayment history all obligations paid as agreed

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Excellent repayment, all mortgage obligations paid as agreed
0220866614   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  28 months reserves verified. 12 months required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying borrower credit score 817, Minimum score 720.
0154347834   CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 35 years in the same profession.

CFCFS1747: Housing expense increase is 10% or less
- Clayton Comments:  Housing expense is decreasing from $7811 per month to $6066.84.
0663811305   CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 21.4 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 27.79% with a max DTI of 43%.
0250295430   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score 781 Guidelines Require 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.02% Guidelines Require 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 31.59% Guidelines Require 80% LTV/CLTV

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $65,156 in total effective assets documented.  Effective Post close reserves are $65,156 or 15.59 Months PITIA Reserves required $3,498.16 x 12 = $41,977.92
0611409279   CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Review of paystubs evidenced bonus income in the amt of $XXX that is not being used to qualify.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Midpoint FICO is 793 exceed guideline minimum of 720.
0351542285   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 37.44 is below guideline max of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with job for XXX years
0140924596   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $124,023.79.  Reserves required $3,627.27 x 12 = $43,527.24.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been residing at current home for 10.59 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 8.29 years.
0593007347   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $78,095.29 in total assets documented.  Effective amount is $78,095.29 with liquid assets of $78,095.29  Post close reserves are $78,095.29.  Reserves required $3,749.61*18 = $67,492.98

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 20.34% is 22.66% lower than maximum of 43%.
0327241907   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been in current job for 16 years.
0630130749   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 812 is 132 points above the minimum required score of  680 for fixed rate term refinance.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.29% is 12.71 points below the maximum allowable DTI of 43%.
0267452614   CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per the credit report, borrower has not had any mortgage related occurrences in the most recent 24 months.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional bonus income that is not considered for qualifying.
0032521023   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 771 is 91 points above the minimum required score of 680.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has an excellent mortgage history for both the XXX (63 months reported) and the HELOC (38 months reported) with no late payments.
0483504885   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 21 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence 10 years
0594193861 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 41.29%, max per guidelines is 43%
0594193861 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 41.29%, max per guidelines is 43%
0594193861 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 41.29%, max per guidelines is 43%
0647534571   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guidelines requirement at 22.9%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying Credit score exceeds guides at 798.
0047160022   CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bwr #2 has additional documented income (OT/Bonus/RSUs) that is not being used to qualify the borrowers.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Midpoint credit score of the primary wage earner of 798 exceed guidelines minimum of 720.
0248003834   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI under guidelines requirement at 32.8%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV at 60.64% and under guideline requirement.
0559042113 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 18 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $230,074.56; required reserves is $4475.58 x 12 = $53,706.96.
0578003446 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.08 % DTI below guideline max of 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been an XXX for 20 years
0776112418 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $65,523.12- Verified reserves in the amount of $439,476.20

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 14 years- B2 is in the same profession for 18 years
0394419552 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 13.8% with a max DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 763 with a minimum credit score of 720.
0066409759   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 771 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guidelines at 14.57% with a max DTI of 43%.
0246267980 Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 and B2 have been receiving bonus income not being used in qualifying as it is not needed.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 21.21% below guideline requirement of 43%.
0136744927   CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 11 years

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower receives bonus/ productivity incentives not used to qualify.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 4 years
0810831453   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Significant housing expense reduction
0922712899 Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Good repayment history

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession for 11 years
0989619385 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $862,172.01.  Reserves required $3,638.18  x 12 = $43,658.16.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been residing at current residence for XXX years.
0284474809   CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 is in the same profession for 14 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves in the amount of $267,982.31
0182212932   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for over 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 796 and minimum required is 680.
0165873393 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 30 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $69,911.28- Verified $153,335.02
0165873393 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 30 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $69,911.28- Verified $153,335.02
0257396349   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $242,830.42  Reserves required $8,368.02 x 12 = $100,416.24.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 4 years.
0401012357   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 28.11% which well below the guideline max allowed of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV at 34.49% which well below the guideline max allowed.
0358054399   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.95%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  816 qualifying score. Min required per guidelines is 680.
0922512350 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  801 qualifying score. Min required per guidelines is 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 12 years.
0922512350 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  801 qualifying score. Min required per guidelines is 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 12 years.
0721986455   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.78%, Max 45%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  24 months PITI reserves verified, 12 months required.
0224364000   CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $340,726.34. Reserves required $7,636.38 x 12 = $91,636.56 + Additional required reserves: $2,640.28 x 12 = $31,683.36, Total Reserves Required: $123,319.92

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 20 years (XXX).

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Verified mortgage payment history: 84 months 0x30.
0931169899   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 777 and minimum required is 680.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expense is reduced 12%, from $9019 to $8889.94.
0835118606 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 18.1 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guideline at 780 & 797 with a minimum credit score of 720.
0535708673 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 qualifying score. Min required per guidelines is 680

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  HCLTV of 53.18% is less than maximum 80%
0233545185 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.84, max 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  60 months PCL verified, 12 months required.
0870664258   CFCFS1737: LTV below guideline requirements
- Clayton Comments:  48.18% LTV below guideline max of 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  137 verified cash reserves exceeds guidelines
0093567550 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total verified post close reserves $300,564.34 or 38.62 months

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Co borrower receives RSU not used to qualify.
0946795954 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 749 with a minimum credit score of 720.
0714272167   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 23.71 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 792 is 112 points above the minimum required score of 680.
0332962239   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.61%, Max 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  50 months PITI reserves verified, 12 months required.
0139540128 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.91 % DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  115 months of verified cash reserves exceeds guidelines
0139540128 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.91 % DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  115 months of verified cash reserves exceeds guidelines
0603795009 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  18.90% DTI is below guideline requirement of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Midpoint FICO of 806 for the primary wage earner exceed guideline requirement of 720.
0517537840   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.22% below guideline requirement of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $215167.07.  Reserves required $6230.26 x 12 = $74763.12.
0879869880 Not Applicable 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

CFCFS1750: High potential for increased earnings
- Clayton Comments:  High potential for increased earnings
0015283393   CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 799 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 24.84% with a max DTI of 43%.
0802840762 Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 10 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $99,744.48- Verified $195,846.60
0166311542 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 12.38 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  84 months mortgage history with no late pays.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $5,655,431.22 in total assets documented.  Effective amount is $5,655,431.22 with liquid assets of $5,655,431.22.  Post close reserves are $5,237,620.80.  Reserves required $7,054.48*18 = $126,980.64
0307492802 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 10years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.64 % DTI below guideline max score of 43%
0307492802 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 10years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.64 % DTI below guideline max score of 43%
0407658248   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has owned business for 19.65 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned residence for 6 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,793,428.76 in total assets documented.  Effective amount is $1,793,428.76 with liquid assets of $1,793,428.76.  Post close reserves are $1,783,766.07.  Reserves required $3,849.13*18 = $69,284.34
0306727754 Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has significant time at current job

CFCFS1750: High potential for increased earnings
- Clayton Comments:  High potential for increased earnings
0540193985 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $207,115.00. Reserves required $8,705.10 x 12 = $104,461.20.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualify FICO 794 exceeds minimum guideline requirement of 680.
0248166622 Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $55,947.12- Verified $133,870.64

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed with same company for 7 years
0349428232 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.82%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 10 years
0224787836   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.10% DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  33.27 % LTV below guideline max of 75%
0582013272 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.7%, Max 45%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  30 months PITI documented, 12 months required.
0582013272 Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.7%, Max 45%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  30 months PITI documented, 12 months required.
0417719550   CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 is employed with the same company for 25 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 is with the same employer for 20 years
0087079366 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.71%, max per guidelines is 43%
0087079366 Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.71%, max per guidelines is 43%
0581558893   CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.71%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  785 qualifying score. Min required per guidelines is 680
0137434468   CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is a XXX for 15 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves documented In the amount of  $379,650.33

 

 

 

 

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-5
Start - End Dates: 12.2019 TO 8.2020
Deal Loan Count: 497
   
         
Conditions Report 2.0
         
Loans in Report: 497
Loans with Conditions: 280

 

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
0989559892 Yes XXXXXX XXXXXX A A A A
0138895538 Yes XXXXXX XXXXXX A A A A
0930346800 Yes XXXXXX XXXXXX A A A A
0801064116 Yes XXXXXX XXXXXX A A A A
0576750534 Yes XXXXXX XXXXXX A A A A
0977588995 Yes XXXXXX XXXXXX A A A A
0661166719 Yes XXXXXX XXXXXX A A A A
0027754822 Yes XXXXXX XXXXXX A A A A
0202129463 Yes XXXXXX XXXXXX A A A A
0583091889 Yes XXXXXX XXXXXX C A A A
0798650653 Yes XXXXXX XXXXXX D A D A
0043094472 Yes XXXXXX XXXXXX A A A A
0604615653 Yes XXXXXX XXXXXX A A A A
0938549248 Yes XXXXXX XXXXXX C A C A
0911348662 Yes XXXXXX XXXXXX A A A A
0902810032 Yes XXXXXX XXXXXX B B B B
0695825083 Yes XXXXXX XXXXXX D A D A
0691226842 Yes XXXXXX XXXXXX A A A A
0134540654 Yes XXXXXX XXXXXX D A D A
0262565781 Yes XXXXXX XXXXXX A A A A
0172102535 Yes XXXXXX XXXXXX A A A A
0729153439 Yes XXXXXX XXXXXX A A A A
0911099746 Yes XXXXXX XXXXXX A A A A
0350001047 Yes XXXXXX XXXXXX A A A A
0213490791 Yes XXXXXX XXXXXX A A A A
0763570031 Yes XXXXXX XXXXXX B B B B
0234789318 Yes XXXXXX XXXXXX A A A A
0464139345 Yes XXXXXX XXXXXX A A A A
0356436664 Yes XXXXXX XXXXXX A A A A
0802570979 Yes XXXXXX XXXXXX A A A A
0790983577 Yes XXXXXX XXXXXX A A A A
0331809052 Yes XXXXXX XXXXXX A A A A
0610066876 Yes XXXXXX XXXXXX A A A A
0844803837 Yes XXXXXX XXXXXX A A A A
0888662905 Yes XXXXXX XXXXXX A A A A
0353191680 Yes XXXXXX XXXXXX A A A A
0338260479 Yes XXXXXX XXXXXX A A A A
0437258065 Yes XXXXXX XXXXXX A A A A
0135334168 Yes XXXXXX XXXXXX A A A A
0755148886 Yes XXXXXX XXXXXX A A A A
0050449033 Yes XXXXXX XXXXXX A A A A
0705438794 Yes XXXXXX XXXXXX A A A A
0800502645 Yes XXXXXX XXXXXX A A A A
0650506200 Yes XXXXXX XXXXXX A A A A
0591919625 Yes XXXXXX XXXXXX A A A A
0559590476 Yes XXXXXX XXXXXX A A A A
0102082589 Yes XXXXXX XXXXXX A A A A
0399386242 Yes XXXXXX XXXXXX A A A A
0854533661 Yes XXXXXX XXXXXX A A A A
0047759133 Yes XXXXXX XXXXXX A A A A
0645420759 Yes XXXXXX XXXXXX B B B B
0746604537 Yes XXXXXX XXXXXX A A A A
0336704743 Yes XXXXXX XXXXXX A A A A
0940801201 Yes XXXXXX XXXXXX A A A A
0317663639 Yes XXXXXX XXXXXX A A A A
0147704935 Yes XXXXXX XXXXXX A A A A
0167511513 Yes XXXXXX XXXXXX A A A A
0820577794 Yes XXXXXX XXXXXX A A A A
0068350309 Yes XXXXXX XXXXXX A A A A
0829724025 Yes XXXXXX XXXXXX A A A A
0783159008 Yes XXXXXX XXXXXX A A A A
0501785587 Yes XXXXXX XXXXXX A A A A
0276605721 Yes XXXXXX XXXXXX A A A A
0110883483 Yes XXXXXX XXXXXX A A A A
0979650819 Yes XXXXXX XXXXXX A A A A
0941027510 Yes XXXXXX XXXXXX A A A A
0805840121 Yes XXXXXX XXXXXX A A A A
0894886858 Yes XXXXXX XXXXXX D A A A
0889661042 Yes XXXXXX XXXXXX A A A A
0688514980 Yes XXXXXX XXXXXX A A A A
0589653309 Yes XXXXXX XXXXXX A A A A
0512057299 Yes XXXXXX XXXXXX C A C A
0717807495 Yes XXXXXX XXXXXX A A A A
0916702482 Yes XXXXXX XXXXXX A A A A
0076295465 Yes XXXXXX XXXXXX A A A A
0951145322 Yes XXXXXX XXXXXX A A A A
0967360890 Yes XXXXXX XXXXXX A A A A
0249271958 Yes XXXXXX XXXXXX B B B B
0657156521 Yes XXXXXX XXXXXX A A A A
0842057111 Yes XXXXXX XXXXXX C B A A
0972362160 Yes XXXXXX XXXXXX A A A A
0336751762 Yes XXXXXX XXXXXX A A A A
0549121898 Yes XXXXXX XXXXXX A A A A
0883771089 Yes XXXXXX XXXXXX A A A A
0908902903 Yes XXXXXX XXXXXX A A A A
0908349057 Yes XXXXXX XXXXXX A A A A
0466446164 Yes XXXXXX XXXXXX A A A A
0049608561 Yes XXXXXX XXXXXX A A A A
0924177369 Yes XXXXXX XXXXXX C A A A
0575771080 Yes XXXXXX XXXXXX A A A A
0083134983 Yes XXXXXX XXXXXX A A A A
0529327719 Yes XXXXXX XXXXXX A A A A
0420380621 Yes XXXXXX XXXXXX A A A A
0863486295 Yes XXXXXX XXXXXX A A A A
0835619778 Yes XXXXXX XXXXXX A A A A
0151427407 Yes XXXXXX XXXXXX A A A A
0512298226 Yes XXXXXX XXXXXX A A A A
0592054167 Yes XXXXXX XXXXXX A A A A
0157476532 Yes XXXXXX XXXXXX B B B B
0686444542 Yes XXXXXX XXXXXX A A A A
0223763003 Yes XXXXXX XXXXXX A A A A
0340006234 Yes XXXXXX XXXXXX C A A A
0765715424 Yes XXXXXX XXXXXX A A A A
0144754849 Yes XXXXXX XXXXXX B B A A
0507890863 Yes XXXXXX XXXXXX A A A A
0619370106 Yes XXXXXX XXXXXX B B B B
0681239646 Yes XXXXXX XXXXXX A A A A
0975382897 Yes XXXXXX XXXXXX A A A A
0427546599 Yes XXXXXX XXXXXX A A A A
0541846382 Yes XXXXXX XXXXXX A A A A
0557215627 Yes XXXXXX XXXXXX A A A A
0767536451 Yes XXXXXX XXXXXX A A A A
0229532881 Yes XXXXXX XXXXXX A A A A
0330130341 Yes XXXXXX XXXXXX D A D A
0393404205 Yes XXXXXX XXXXXX A A A A
0243700276 Yes XXXXXX XXXXXX D A D A
0211507519 Yes XXXXXX XXXXXX A A A A
0593597731 Yes XXXXXX XXXXXX A A A A
0824597255 Yes XXXXXX XXXXXX A A A A
0152477270 Yes XXXXXX XXXXXX A A A A
0617386511 Yes XXXXXX XXXXXX A A A A
0271765126 Yes XXXXXX XXXXXX A A A A
0315630716 Yes XXXXXX XXXXXX A A A A
0267572469 Yes XXXXXX XXXXXX A A A A
0393925198 Yes XXXXXX XXXXXX A A A A
0902968480 Yes XXXXXX XXXXXX A A A A
0336214054 Yes XXXXXX XXXXXX A A A A
0888134155 Yes XXXXXX XXXXXX A A A A
0855254554 Yes XXXXXX XXXXXX A A A A
0735665344 Yes XXXXXX XXXXXX A A A A
0299768337 Yes XXXXXX XXXXXX A A A A
0468358296 Yes XXXXXX XXXXXX D A A A
0869490873 Yes XXXXXX XXXXXX A A A A
0704643411 Yes XXXXXX XXXXXX A A A A
0955505892 Yes XXXXXX XXXXXX D A D A
0998097884 Yes XXXXXX XXXXXX A A A A
0824256616 Yes XXXXXX XXXXXX A A A A
0494500301 Yes XXXXXX XXXXXX A A A A
0923368444 Yes XXXXXX XXXXXX A A A A
0072121700 Yes XXXXXX XXXXXX A A A A
0588763561 Yes XXXXXX XXXXXX A A A A
0365530848 Yes XXXXXX XXXXXX A A A A
0387275117 Yes XXXXXX XXXXXX A A A A
0420339769 Yes XXXXXX XXXXXX A A A A
0467160944 Yes XXXXXX XXXXXX A A A A
0539743860 Yes XXXXXX XXXXXX A A A A
0534338092 Yes XXXXXX XXXXXX C A C A
0627604858 Yes XXXXXX XXXXXX A A A A
0753650918 Yes XXXXXX XXXXXX A A A A
0743597901 Yes XXXXXX XXXXXX A A A A
0782717819 Yes XXXXXX XXXXXX A A A A
0090997904 Yes XXXXXX XXXXXX A A A A
0924294069 Yes XXXXXX XXXXXX A A A A
0226888709 Yes XXXXXX XXXXXX A A A A
0012825112 Yes XXXXXX XXXXXX A A A A
0308520016 Yes XXXXXX XXXXXX A A A A
0135303608 Yes XXXXXX XXXXXX A A A A
0688892413 Yes XXXXXX XXXXXX A A A A
0427664424 Yes XXXXXX XXXXXX A A A A
0869042615 Yes XXXXXX XXXXXX C A A A
0830258685 Yes XXXXXX XXXXXX A A A A
0600281900 Yes XXXXXX XXXXXX A A A A
0288333312 Yes XXXXXX XXXXXX A A A A
0072967530 Yes XXXXXX XXXXXX A A A A
0581334006 Yes XXXXXX XXXXXX A A A A
0296899056 Yes XXXXXX XXXXXX A A A A
0812480341 Yes XXXXXX XXXXXX A A A A
0030803564 Yes XXXXXX XXXXXX A A A A
0992745387 Yes XXXXXX XXXXXX A A A A
0263676094 Yes XXXXXX XXXXXX A A A A
0794863072 Yes XXXXXX XXXXXX A A A A
0455347097 Yes XXXXXX XXXXXX A A A A
0060223626 Yes XXXXXX XXXXXX A A A A
0603795050 Yes XXXXXX XXXXXX A A A A
0393821377 Yes XXXXXX XXXXXX A A A A
0032308265 Yes XXXXXX XXXXXX A A A A
0173011766 Yes XXXXXX XXXXXX B B A A
0160805595 Yes XXXXXX XXXXXX A A A A
0164169124 Yes XXXXXX XXXXXX A A A A
0321682861 Yes XXXXXX XXXXXX A A A A
0266332566 Yes XXXXXX XXXXXX A A A A
0923174486 Yes XXXXXX XXXXXX A A A A
0448045178 Yes XXXXXX XXXXXX A A A A
0022196177 Yes XXXXXX XXXXXX A A A A
0417818039 Yes XXXXXX XXXXXX A A A A
0237859061 Yes XXXXXX XXXXXX A A A A
0160708658 Yes XXXXXX XXXXXX A A A A
0720796530 Yes XXXXXX XXXXXX A A A A
0477679524 Yes XXXXXX XXXXXX A A A A
0744499361 Yes XXXXXX XXXXXX A A A A
0975573299 Yes XXXXXX XXXXXX A A A A
0843927182 Yes XXXXXX XXXXXX C A A A
0775509339 Yes XXXXXX XXXXXX A A A A
0749205092 Yes XXXXXX XXXXXX A A A A
0816593315 Yes XXXXXX XXXXXX A A A A
0535167466 Yes XXXXXX XXXXXX A A A A
0986529188 Yes XXXXXX XXXXXX A A A A
0413212740 Yes XXXXXX XXXXXX A A A A
0923078250 Yes XXXXXX XXXXXX C A A A
0259008881 Yes XXXXXX XXXXXX A A A A
0645299722 Yes XXXXXX XXXXXX A A A A
0498172094 Yes XXXXXX XXXXXX A A A A
0901376930 Yes XXXXXX XXXXXX A A A A
0042771531 Yes XXXXXX XXXXXX A A A A
0781622595 Yes XXXXXX XXXXXX A A A A
0031110663 Yes XXXXXX XXXXXX A A A A
0483773242 Yes XXXXXX XXXXXX A A A A
0098944585 Yes XXXXXX XXXXXX A A A A
0025870633 Yes XXXXXX XXXXXX A A A A
0655475927 Yes XXXXXX XXXXXX A A A A
0181741021 Yes XXXXXX XXXXXX A A A A
0850369105 Yes XXXXXX XXXXXX A A A A
0575789424 Yes XXXXXX XXXXXX A A A A
0729802768 Yes XXXXXX XXXXXX A A A A
0864403324 Yes XXXXXX XXXXXX A A A A
0650893622 Yes XXXXXX XXXXXX A A A A
0565425587 Yes XXXXXX XXXXXX A A A A
0305255025 Yes XXXXXX XXXXXX D A D A
0537128109 Yes XXXXXX XXXXXX A A A A
0073212779 Yes XXXXXX XXXXXX C A A A
0359158284 Yes XXXXXX XXXXXX C C A A
0280985754 Yes XXXXXX XXXXXX A A A A
0087507151 Yes XXXXXX XXXXXX A A A A
0867809857 Yes XXXXXX XXXXXX A A A A
0481250894 Yes XXXXXX XXXXXX A A A A
0189235461 Yes XXXXXX XXXXXX A A A A
0343669753 Yes XXXXXX XXXXXX A A A A
0961386015 Yes XXXXXX XXXXXX A A A A
0859339038 Yes XXXXXX XXXXXX A A A A
0222048694 Yes XXXXXX XXXXXX A A A A
0150859989 Yes XXXXXX XXXXXX A A A A
0068334099 Yes XXXXXX XXXXXX A A A A
0215045432 Yes XXXXXX XXXXXX A A A A
0369212685 Yes XXXXXX XXXXXX A A A A
0227560373 Yes XXXXXX XXXXXX A A A A
0063703620 Yes XXXXXX XXXXXX A A A A
0839053422 Yes XXXXXX XXXXXX A A A A
0998683185 Yes XXXXXX XXXXXX A A A A
0357786446 Yes XXXXXX XXXXXX A A A A
0363896441 Yes XXXXXX XXXXXX A A A A
0133938555 Yes XXXXXX XXXXXX D A D A
0715819827 Yes XXXXXX XXXXXX C A A A
0568261939 Yes XXXXXX XXXXXX A A A A
0965334319 Yes XXXXXX XXXXXX A A A A
0352713344 Yes XXXXXX XXXXXX A A A A
0966454336 Yes XXXXXX XXXXXX A A A A
0358557373 Yes XXXXXX XXXXXX A A A A
0001442055 Yes XXXXXX XXXXXX A A A A
0516730458 Yes XXXXXX XXXXXX A A A A
0556210574 Yes XXXXXX XXXXXX A A A A
0083754076 Yes XXXXXX XXXXXX A A A A
0511638147 Yes XXXXXX XXXXXX A A A A
0470845533 Yes XXXXXX XXXXXX A A A A
0845113102 Yes XXXXXX XXXXXX A A A A
0909799015 Yes XXXXXX XXXXXX B B B B
0954146301 Yes XXXXXX XXXXXX A A A A
0301448136 Yes XXXXXX XXXXXX A A A A
0319401242 Yes XXXXXX XXXXXX A A A A
0041594573 Yes XXXXXX XXXXXX A A A A
0172165607 Yes XXXXXX XXXXXX A A A A
0908976681 Yes XXXXXX XXXXXX A A A A
0240597962 Yes XXXXXX XXXXXX A A A A
0903520123 Yes XXXXXX XXXXXX A A A A
0782930932 Yes XXXXXX XXXXXX D A A A
0203802152 Yes XXXXXX XXXXXX A A A A
0800890714 Yes XXXXXX XXXXXX A A A A
0481098853 Yes XXXXXX XXXXXX A A A A
0004919861 Yes XXXXXX XXXXXX B B A A
0891521076 Yes XXXXXX XXXXXX C B A A
0595336838 Yes XXXXXX XXXXXX A A A A
0501051732 Yes XXXXXX XXXXXX A A A A
0455606617 Yes XXXXXX XXXXXX B B A A
0746575679 Yes XXXXXX XXXXXX A A A A
0649420457 Yes XXXXXX XXXXXX A A A A
0648759196 Yes XXXXXX XXXXXX A A A A
0900495366 Yes XXXXXX XXXXXX A A A A
0808367638 Yes XXXXXX XXXXXX C A A A
0838672433 Yes XXXXXX XXXXXX A A A A
0635074062 Yes XXXXXX XXXXXX A A A A
0471622594 Yes XXXXXX XXXXXX A A A A
0945610940 Yes XXXXXX XXXXXX A A A A
0863192131 Yes XXXXXX XXXXXX A A A A
0259971862 Yes XXXXXX XXXXXX A A A A
0409719200 Yes XXXXXX XXXXXX A A A A
0127493789 Yes XXXXXX XXXXXX A A A A
0318458926 Yes XXXXXX XXXXXX B B B B
0643005829 Yes XXXXXX XXXXXX A A A A
0628792308 Yes XXXXXX XXXXXX A A A A
0062463718 Yes XXXXXX XXXXXX A A A A
0052669848 Yes XXXXXX XXXXXX A A A A
0669124532 Yes XXXXXX XXXXXX A A A A
0168918329 Yes XXXXXX XXXXXX D A D A
0769257041 Yes XXXXXX XXXXXX A A A A
0258703215 Yes XXXXXX XXXXXX B B A A
0517855345 Yes XXXXXX XXXXXX A A A A
0309196218 Yes XXXXXX XXXXXX A A A A
0048994182 Yes XXXXXX XXXXXX A A A A
0738586526 Yes XXXXXX XXXXXX A A A A
0053710878 Yes XXXXXX XXXXXX A A A A
0825011780 Yes XXXXXX XXXXXX A A A A
0506422525 Yes XXXXXX XXXXXX A A A A
0861021130 Yes XXXXXX XXXXXX A A A A
0979923763 Yes XXXXXX XXXXXX A A A A
0837623139 Yes XXXXXX XXXXXX A A A A
0759561368 Yes XXXXXX XXXXXX D A D A
0474592069 Yes XXXXXX XXXXXX A A A A
0605906999 Yes XXXXXX XXXXXX A A A A
0861695041 Yes XXXXXX XXXXXX A A A A
0750667513 Yes XXXXXX XXXXXX A A A A
0095525438 Yes XXXXXX XXXXXX A A A A
0029264920 Yes XXXXXX XXXXXX A A A A
0019537061 Yes XXXXXX XXXXXX A A A A
0949091765 Yes XXXXXX XXXXXX B B B B
0752727842 Yes XXXXXX XXXXXX A A A A
0809909838 Yes XXXXXX XXXXXX A A A A
0862687034 Yes XXXXXX XXXXXX A A A A
0739437895 Yes XXXXXX XXXXXX C A A A
0972681508 Yes XXXXXX XXXXXX A A A A
0391394779 Yes XXXXXX XXXXXX A A A A
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0707139484 Yes XXXXXX XXXXXX A A A A
0159110748 Yes XXXXXX XXXXXX A A A A
0074332767 Yes XXXXXX XXXXXX A A A A
0632889358 Yes XXXXXX XXXXXX A A A A
0139809996 Yes XXXXXX XXXXXX A A A A
0697553452 Yes XXXXXX XXXXXX A A A A
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0802433600 Yes XXXXXX XXXXXX A A A A
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0674283670 Yes XXXXXX XXXXXX A A A A
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0236599301 Yes XXXXXX XXXXXX A A A A
0033741212 Yes XXXXXX XXXXXX A A A A
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0145282348 Yes XXXXXX XXXXXX A A A A
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0293495899 Yes XXXXXX XXXXXX A A A A
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0735642413 Yes XXXXXX XXXXXX A A A A
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0227320863 Yes XXXXXX XXXXXX A A A A
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0851028019 Yes XXXXXX XXXXXX A A A A
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0655929888 Yes XXXXXX XXXXXX A A A A
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0853303055 Yes XXXXXX XXXXXX A A A A
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0374780613 Yes XXXXXX XXXXXX A A A A
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0251778131 Yes XXXXXX XXXXXX A A A A
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0351542285 Yes XXXXXX XXXXXX A A A A
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0327241907 Yes XXXXXX XXXXXX A A A A
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0267452614 Yes XXXXXX XXXXXX A A A A
0032521023 Yes XXXXXX XXXXXX A A A A
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0047160022 Yes XXXXXX XXXXXX A A A A
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0284474809 Yes XXXXXX XXXXXX A A A A
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0257396349 Yes XXXXXX XXXXXX A A A A
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0358054399 Yes XXXXXX XXXXXX A A A A
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0332962239 Yes XXXXXX XXXXXX A A A A
0139540128 Yes XXXXXX XXXXXX A A A A
0603795009 Yes XXXXXX XXXXXX A A A A
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0879869880 Yes XXXXXX XXXXXX A A A A
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0166311542 Yes XXXXXX XXXXXX A A A A
0307492802 Yes XXXXXX XXXXXX A A A A
0407658248 Yes XXXXXX XXXXXX A A A A
0306727754 Yes XXXXXX XXXXXX A A A A
0540193985 Yes XXXXXX XXXXXX A A A A
0248166622 Yes XXXXXX XXXXXX A A A A
0349428232 Yes XXXXXX XXXXXX A A A A
0224787836 Yes XXXXXX XXXXXX A A A A
0582013272 Yes XXXXXX XXXXXX A A A A
0417719550 Yes XXXXXX XXXXXX A A A A
0087079366 Yes XXXXXX XXXXXX A A A A
0581558893 Yes XXXXXX XXXXXX A A A A
0137434468 Yes XXXXXX XXXXXX A A A A

 

Alt Loan Number Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Overall Loan Grade Final S&P Overall Loan Grade Initial S&P Credit Loan Grade
0989559892 A A A A A A A
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