ABS-15G

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

FORM ABS-15G

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

WELLS FARGO ASSET SECURITIES CORPORATIoN

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 1011663

Wells Fargo Mortgage Backed Securities 2021-RR1 Trust
(Exact name of issuing entity as specified in its charter)

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

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

Diane Wold -- 952-242-2302

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

PART I: REPRESENTATION AND WARRANTY INFORMATION

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

EXHIBIT INDEX

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

99.2 Clayton Loan Level Tape Compare

99.3 Clayton Rating Agency ATR QM Data Fields

99.4 Clayton Valuations Summary

99.5 Clayton Conditions Report

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: June 4, 2021	/s/ Peter R. Diliberti
	Name: Peter R. Diliberti
	Title: President (senior officer in charge of securitization)

EX-99.1

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	2
Sponsor Acquisition Criteria	3
Loan Grading	3
TPR Component Review Scope	3
Credit Review	4
Property Valuation Review	4
Regulatory Compliance Review	4
Data Integrity	6
Data Capture	7
Data Compare Results	7
Clayton Due Diligence Results	8
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

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 1 May 21, 2021

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 2021-RR1). The loans referenced in this narrative report were reviewed from 04-2017 to 04-2021 at Clayton’s centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton’s review.

Originators

Origination channels for the loans in this review:

Origination Channel	Loan Count	Percentage
Correspondent Flow without delegated underwriting	9	2.74%
Retail	320	97.26%
Total	329	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

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

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 2 May 21, 2021

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

Review Type Loan Counts

Review Type	Loan Count Reviewed by Clayton	Scope Applied
Full Review	329	Clayton performed a Full Review based on the scope described below in the section titled “TPR Component Review Scope”.
Total Loan Population	329

Sponsor Acquisition Criteria

The loans were originated to Guidelines and Clayton reviewed the loans to Wells Fargo Underwriting Guidelines. Retail Versions: _1.20_NC, _2.17_NC, _2.19_NC, _4.20_NC,_7.20_NC, _10.20_NC and _11.19_NC. Correspondent Versions: _11.19_NC, _8.19_NC and _6.19_NC. Clayton was supplied with all of the changes to the guidelines with advance notice. Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

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

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

TPR Component Review Scope

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

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 3 May 21, 2021

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

Property Valuation Review

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

§ Original Appraisal Assessment

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

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

§ Value Supported Analysis

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

- 323 loans had Desktop Reviews

- 4 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.)

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 4 May 21, 2021

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

§	Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;
§	Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;
§	Truth-in-lending/regulation Z (TILA) testing included the following:

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

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

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

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

- Prepayment Penalty restrictions.

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement; 

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

On, June 15th, 2016 SFA 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 SFA’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

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 5 May 21, 2021

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 SFA 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

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;

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 6 May 21, 2021

§	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
Cash Reserves	35	00.00%
Combined Loan to Value	9	97.26%
Debt to Income Ratio (Back)	6	98.18%
First Payament Date	1	99.70%
Maturity Date	1	99.70%
Original Appraised Value	5	98.48%
Original Loan to Value	3	99.09%
Property Type	5	98.48%
Sales Price	5	98.48%

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

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 7 May 21, 2021

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 (Fitch & Moody’s)

	Overall Grade Migration
	Initial
Final		A	B	C	D	Total
	A	226	3	36	9	274
	B		20	21	13	54
	C			1		1
	D					0
	Total	226	23	58	22	329

*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 (Fitch & Moody’s)

	Credit Grade Migration
	Initial
Final		A	B	C	D	Total
	A	287	1	2	7	297
	B		24	2	6	32
	C					0
	D					0
	Total	287	25	4	13	329

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 8 May 21, 2021

Initial and Final Property Valuation Grade Results (Fitch & Moody’s)

	Property Valuation Grade Migration
	Initial
Final		A	B	C	D	Total
	A	295	2	29		326
	B		2			2
	C			1		1
	D					0
	Total	295	4	30	0	329

Initial and Final Regulatory Compliance Grade Results (Fitch & Moody’s)

	Compliance Grade Migration
	Initial
Final		A	B	C	D	Total
	A	287		9	11	307
	B		4	16	2	22
	C					0
	D					0
	Total	287	4	25	13	329

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

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 9 May 21, 2021

Appendix A: Credit Review Scope

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

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

o DTI

o LTV/TLTV/HLTV

o Credit score

o Income and employment

o Assets and reserves

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

o Borrower eligibility, including:

-    Citizenship status

-    Non- occupant co-borrower

o Transaction eligibility, including:

-    Maximum loan amount

-    Loan purpose

-    Occupancy

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

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

o Uniform Residential Loan Application reviewed to determine:

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

o Income review included:

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

§ Signed by all borrowers and processed by the originator

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

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

§ Tax returns

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 10 May 21, 2021

§ Financial statements

§ Paystubs

§ W-2s

§ 1099

§ IRS documents

§ Bank statements

§ Lease agreements

§ Award letters

§ Other documentation in loan file

o Asset review included:

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

§ Verification of deposits (VOD)

§ Depository account statements

§ Stock or security account statements

§ Gift funds

§ Settlements statements

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

§ Other documentation in loan file

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

o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

o Title policy review included:

- Title interest – determined if

§ Fee simple

§ Leasehold estate

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

o HUD1 (Settlement Statement) review included:

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 11 May 21, 2021

- Loan purpose confirmed

o Hazard/Flood insurance review included:

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

- Confirmed that any required insurance was for the:

§ Correct borrower

§ Correct property

§ Correct lender

§ Correct loan number

§ Life of loan, if flood insurance required

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

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

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

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

o Mortgage Insurance review included:

- Determined if mortgage insurance is required

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

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

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

o Borrower identity

- Social Security inconsistencies

- Borrower name variations

o Occupancy

- Borrower address history

- Subject property ownership history

o Employment

o Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

o OFAC

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 12 May 21, 2021

Appendix B: Origination Appraisal Assessment

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

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

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

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

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

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

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

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

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

o Appraisal report was reasonably complete and included:

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

§ Subject front, rear and street photos and valued features

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

§ Photos of all comparable sales and listings

§ Location map

§ Exterior sketch of property with dimensions

§ 1004MC Market Conditions Report

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 13 May 21, 2021

o Title XI of FIRREA:

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

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

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

o USPAP

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

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

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

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

§ Location

§ % built up

§ Growth rate

§ Demand/supply

§ Marketing time

§ Predominant occupancy

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

o 3 to 4 unit owner occupied properties

o 2 to 4 unit second homes

o Unwarrantable or limited review condominiums

o Manufactured or mobile homes

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 14 May 21, 2021

o Condotel units

o Unique properties

o Working farms, ranches or orchards

o Mixed-use properties

o Properties subject to existing oil or gas leases

o Properties located in Hawaii Lava Zones 1 and 2

o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

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

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 15 May 21, 2021

Appendix C: Regulatory Compliance Review Scope

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

Federal Law

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

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

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

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

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

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

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

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

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

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

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

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

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

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

§ 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:

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 16 May 21, 2021

 

· Pre-application forms cannot look similar to the LE

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

§ Timing Requirements:

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

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

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

§ Fee Tolerances:

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

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

§ Payment Schedule Accuracy:

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

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

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

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

§ Accuracy of the Loan Calculations

· Amount Financed

· Finance Charge

· Total of Payments

· Total interest percentage

§ Technical Requirements

· Compliance with the TRID rounding rules.

· Compliance with specified formatting requirements.

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

· Alphabetization of fees.

· Title fees preceded by “Title –.”

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

§ 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.

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 17 May 21, 2021

 

· 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.

· 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.

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 18 May 21, 2021

 

STATE, COUNTY and MUNICIPAL LAW

A. Higher-Priced

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

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

B. State/Local High Cost

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

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

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)

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 19 May 21, 2021

 

· 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)

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:

WFMBS 2021-RR1 Due Diligence Narrative Report Page | 20 May 21, 2021

 

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.

© 2021 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 2021-RR1 Due Diligence Narrative Report Page | 21 May 21, 2021

EX-99.2

Exhibit 99.2

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2021-RR1
Start - End Dates:	4.2017 to 4.2021
Deal Loan Count:	329
Loan Level Tape Compare Upload

Alt Loan Number	Borrower Last Name	Field Name	Tape Data	Reviewer Data
0062148837	XXXXXX	Property Type	SFR-Attached	SFR
0083431261	XXXXXX	Sales Price	XXXXXX	XXXXXX
0149368455	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0164543000	XXXXXX	Cash Reserves	638391.07	638916.53
0167511513	XXXXXX	Cash Reserves	824979.88	831464.36
0172102535	XXXXXX	Cash Reserves	459817.20	468727.06
0188994424	XXXXXX	Cash Reserves	234411.17	235067.63
0202441613	XXXXXX	Cash Reserves	998507.76	1004623.59
0202441613	XXXXXX	Combined LTV	56.97	53.86
0224787836	XXXXXX	Combined LTV	42.60	34.32
0234789318	XXXXXX	Cash Reserves	554017.30	555218.30
0258571462	XXXXXX	Sales Price	XXXXXX	XXXXXX
0267572469	XXXXXX	Cash Reserves	384080.32	363797.59
0267572469	XXXXXX	Cash Reserves	384080.32	363797.59
0276605721	XXXXXX	Cash Reserves	257753.30	248484.72
0278458811	XXXXXX	Cash Reserves	147614.17	149154.46
0290791026	XXXXXX	Cash Reserves	183447.55	184140.43
0290791026	XXXXXX	Cash Reserves	183447.55	184140.43
0323637836	XXXXXX	Sales Price	XXXXXX	XXXXXX
0340006234	XXXXXX	Cash Reserves	158380.35	161598.04
0356104488	XXXXXX	Property Type	Detached PUD	SFR
0365530848	XXXXXX	Cash Reserves	361017.10	362541.72
0388007370	XXXXXX	Cash Reserves	414866.07	417617.70
0388007370	XXXXXX	Property Type	SFR	Detached PUD
0404547058	XXXXXX	Cash Reserves	189866.79	190811.79
0404943214	XXXXXX	Cash Reserves	130413.03	123821.85
0406175777	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0411115272	XXXXXX	Combined LTV	71.13	69.72
0411115272	XXXXXX	Original LTV	71.13	69.72
0445009472	XXXXXX	Property Type	SFR-Attached	Attached PUD
0475617019	XXXXXX	Cash Reserves	185780.54	175700.17
0479955912	XXXXXX	First Payment Date	XXXXXX	XXXXXX
0479955912	XXXXXX	Maturity Date	XXXXXX	XXXXXX
0496740217	XXXXXX	Cash Reserves	181760.87	192310.81
0498048106	XXXXXX	Debt to Income Ratio (Back)	23.8000	20.3754
0509443395	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0548873977	XXXXXX	Combined LTV	40.53	39.13
0568327749	XXXXXX	Combined LTV	61.11	75.70
0568327749	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0568327749	XXXXXX	Original LTV	61.11	75.70
0603795050	XXXXXX	Cash Reserves	316764.32	329446.32
0617386511	XXXXXX	Cash Reserves	323600.11	333869.97
0617718950	XXXXXX	Sales Price	XXXXXX	XXXXXX
0617986787	XXXXXX	Cash Reserves	188510.94	192446.93
0638297842	XXXXXX	Cash Reserves	527102.03	555099.23
0688514980	XXXXXX	Cash Reserves	576397.11	574691.34
0706815855	XXXXXX	Debt to Income Ratio (Back)	36.8500	33.2967
0708733554	XXXXXX	Combined LTV	50.35	38.17
0722953477	XXXXXX	Combined LTV	65.16	50.92
0742242406	XXXXXX	Cash Reserves	959242.43	882011.85
0746298925	XXXXXX	Cash Reserves	252104.32	256681.78
0757775016	XXXXXX	Combined LTV	75.76	79.12
0757775016	XXXXXX	Original LTV	75.76	79.12
0762387763	XXXXXX	Cash Reserves	553367.33	554071.13
0778038727	XXXXXX	Property Type	SFR-Attached	SFR
0805203628	XXXXXX	Combined LTV	55.79	38.55
0805840121	XXXXXX	Cash Reserves	144529.60	435878.83
0891830542	XXXXXX	Debt to Income Ratio (Back)	28.9300	35.3394
0892192051	XXXXXX	Debt to Income Ratio (Back)	35.9300	31.8241
0892192051	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0894886858	XXXXXX	Cash Reserves	198693.59	177351.17
0902260454	XXXXXX	Cash Reserves	311748.41	454369.46
0917131732	XXXXXX	Cash Reserves	595562.34	663597.86
0926035927	XXXXXX	Cash Reserves	784313.77	786372.86
0930158501	XXXXXX	Cash Reserves	441510.03	434611.23
0951877372	XXXXXX	Sales Price	XXXXXX	XXXXXX
0962810216	XXXXXX	Debt to Income Ratio (Back)	39.9300	36.2078
0979354282	XXXXXX	Debt to Income Ratio (Back)	37.1900	45.2659
0979650819	XXXXXX	Cash Reserves	1188726.89	1218133.81
0989559892	XXXXXX	Cash Reserves	381997.22	371147.36

EX-99.3

Exhibit 99.3

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2021-RR1
Start - End Dates:	4.2017 TO 4.2021
Deal Loan Count:	329
Rating Agency ATR QM Data Fields
Loans in Report:	329

Alt Loan Number	Loan Level ATR/QM Status	Application Date Prior to 1/10/2014	TRID Indicator	Lender Application Date	Broker Application Date	GSE Eligible	QRM Flag	ATR/QM Total Points and Fees
0891830542	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	865.12
0358266475	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0445009472	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	2315
0565792248	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0989559892	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0172102535	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0234789318	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1555
0167511513	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0188994424	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1540
0278458811	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0276605721	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	397.25
0979650819	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0805840121	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0894886858	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2130
0762387763	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0688514980	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0742242406	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	3755
0404547058	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	555
0638297842	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1580
0746298925	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0863486295	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0340006234	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1530
0404943214	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	2580
0930158501	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1275
0707375415	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0388007370	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0475617019	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1430
0688663791	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0902260454	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1455
0617386511	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	200
0267572469	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0290791026	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0164543000	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2407.19
0202441613	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1530
0289292446	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	599
0365530848	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	678.54
0617986787	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0496740217	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0917131732	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1325
0926035927	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0603795050	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0032308265	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0526040098	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	565
0448045178	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0417818039	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0237859061	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0744499361	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2520
0175902539	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0087867838	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0970818417	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	100
0132083552	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1325
0864403324	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	80
0305255025	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1450
0357907958	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	5655
0882156006	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	80
0389550109	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	187.81
0950955298	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1555
0617718950	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0817980164	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0341455011	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	4785
0334588786	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0146430692	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2265
0016426301	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0502063980	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0047501038	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0063703620	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0205194025	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	805
0215441392	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0629151148	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1530
0133938555	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	678.54
0598841281	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0568261939	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0763457022	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1505
0928929046	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0197658429	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	3705
0821567263	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1480
0692343551	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0358557373	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0001442055	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0646168920	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1555
0656643622	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	80
0909799015	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1977.25
0435065781	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0304112440	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0892599109	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	578
0598221185	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	735
0155313978	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0435667839	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1530
0316303659	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0467567734	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	8184.32
0235567649	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0934501608	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0568327749	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0636990742	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	766
0987410312	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0356225648	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1500
0929898885	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1455
0331302840	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1330
0567431813	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2855
0772792638	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0611439570	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0880615284	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	720
0286395358	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0727102781	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0091999898	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0084932463	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1325
0498176253	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	678.54
0868414709	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0398810574	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0492401808	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	678.54
0855405900	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	8500.88
0221165349	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2278
0229239392	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0465953484	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0088333501	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0210509784	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	495
0043528627	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0714439402	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0256793336	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0172307711	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	3130
0320395059	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1455
0423170417	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0387718274	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0170383070	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0925636422	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2130
0319401242	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0923847944	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0686019166	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1230
0935256896	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0316110307	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2270
0734205882	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	4556
0700365699	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2063
0235654953	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1100
0314535807	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	5
0657678689	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2811
0159998015	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1580
0172474857	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0696046690	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	96.4
0091008709	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	155
0955989134	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1455
0848995684	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	2370
0509443395	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0269025572	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0572597962	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	380
0209961006	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1580
0406175777	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0326355267	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2423
0534859575	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0892350963	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1210
0375940135	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	735
0701821800	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1530
0616325002	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2105
0073034805	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0231334101	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1580
0725630557	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0068430033	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0559278351	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	261.25
0831230243	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	236.25
0596771914	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	625
0267811530	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0069119873	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	3967.5
0060601564	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0803735263	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1580
0290935180	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0698008705	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	712
0435933950	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	7625
0722444184	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	690
0911493224	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1580
0805203628	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	182.5
0569117909	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0453397647	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0205726976	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	3015
0356104488	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	2630
0706815855	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1500
0505002330	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0149368455	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0782961994	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0892192051	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0203802152	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0955156588	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	310
0481098853	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1530
0391328966	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0962810216	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	280.39
0460511689	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0028477011	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0594005576	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0669124532	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1423.11
0517855345	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0029264920	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0008280028	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0939621352	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	4108
0650512691	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	506.25
0008293269	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	60
0905610877	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0498048106	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2276
0311712614	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0297718166	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0399149633	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	4605
0596861615	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0505400757	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0227320863	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	40
0237603193	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0078557540	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0595318540	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1405
0710942108	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0590004680	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0799073100	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0826108892	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0319963789	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	690
0714739945	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	600
0653687659	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0370111594	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	110
0195700153	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	712.5
0392919710	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	4230
0279010260	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0692927227	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	3205
0455781406	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	585
0227172047	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1080
0323048408	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2773
0535604744	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	756.25
0849998169	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	678.54
0062148837	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1580
0433817330	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1350
0838218787	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0388688654	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	2890
0334422712	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0070584510	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0901435205	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0722953477	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	729.37
0914250216	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1455
0781340231	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0548873977	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	672.13
0789937139	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	356
0141674452	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0708733554	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0478749220	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0327241907	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2392.5
0264928705	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	979.9
0423819313	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0947043588	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	817.5
0921327304	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1580
0047160022	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0578003446	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	3426.5
0334333278	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0479955912	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	650
0059353931	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	206.25
0297939688	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	5189.47
0010826823	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	473.84
0224364000	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1530
0374926914	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1275
0166671017	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0331703728	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1615
0500160486	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	495
0087401493	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	4
0934604695	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	910
0123683594	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0171698680	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1275
0777507334	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1530
0224787836	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0087079366	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1530
0411115272	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2006.15
0552582570	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0831923509	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1640
0566235119	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	14130
0258571462	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0674517418	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0598747092	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1480
0308346631	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1530
0198209562	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1480
0852578705	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0181469741	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	755
0172973631	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	578
0195260056	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0979354282	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1580
0902479734	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	650
0448449905	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0318929563	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0419254311	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0083431261	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0176464215	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2224.09
0643755415	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0391030430	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0596751492	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1330
0133806802	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0810627045	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1605
0627907732	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0432132209	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0314944184	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1580
0841719747	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0323637836	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0253839394	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1580
0165073789	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	15051.5
0210642526	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	380
0672271657	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	2698.75
0902640178	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	607.5
0892324179	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	265
0778038727	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0928569869	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1580
0871667533	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	735
0702702409	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	750
0217297674	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0846348091	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1580
0371702040	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1455
0016883835	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0835308027	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1555
0951877372	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1505
0136671540	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0698674168	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	4371.45
0727541843	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0225220355	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	501.87
0047162086	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0486972146	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	0
0732354163	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	2258.54
0828386484	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	557.5
0647644232	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0038224148	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0907456397	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	12703.44
0214086633	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	2537.5
0112876272	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	0
0482713964	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1545
0421931063	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1868.1
0713178371	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	3655
0257860964	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1280
0938822959	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1144.33
0616406934	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	9000
0757775016	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	5756
0214703126	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1789.8
0827711180	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	1419
0826698707	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	4470

Alt Loan Number	Rate Lock Date	APR	Bwr 1 Employment Indicator	Bwr 2 Employment Indicator	Bwr 1 Foreign National Indicator	Bwr 2 Foreign National Indicator	Residual Income Analysis in File	ATR/QM Residual Income
0891830542	XXXXXX	3.8859	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0358266475	XXXXXX	4.2603	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0445009472	XXXXXX	4.1226	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0565792248	XXXXXX	4.2722	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0989559892	XXXXXX	2.9998	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0172102535	XXXXXX	3.2498	Employed	Employed	Permanent Resident Alien	Permanent Resident Alien	No	0
0234789318	XXXXXX	3.5216	Employed	Unemployed	U.S. Citizen	U.S. Citizen	Yes	10960.14
0167511513	XXXXXX	2.9949	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0188994424	XXXXXX	3.1526	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0278458811	XXXXXX	3.0178	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0276605721	XXXXXX	3.5	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0979650819	XXXXXX	2.7639	Employed	Employed	Non-Permanent Resident Alien	Non-Permanent Resident Alien	No	0
0805840121	XXXXXX	3.2466	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0894886858	XXXXXX	3.0009	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0762387763	XXXXXX	3.3698	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0688514980	XXXXXX	3.5012	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0742242406	XXXXXX	3.0388	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0404547058	XXXXXX	3.1369	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0638297842	XXXXXX	3.0212	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0746298925	XXXXXX	3.1249	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0863486295	XXXXXX	3.0077	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0340006234	XXXXXX	3.1383	Employed	Employed	U.S. Citizen	Permanent Resident Alien	No	0
0404943214	XXXXXX	3.0213	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0930158501	XXXXXX	3.4145	Employed	Employed	U.S. Citizen	U.S. Citizen	Yes	29044
0707375415	XXXXXX	3.2501	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0388007370	XXXXXX	3.4997	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0475617019	XXXXXX	3.1398	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0688663791	XXXXXX	3.2501	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0902260454	XXXXXX	3.5109	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0617386511	XXXXXX	3.1447	Employed	Employed	Non-Permanent Resident Alien	Non-Permanent Resident Alien	No	0
0267572469	XXXXXX	3.1512	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0290791026	XXXXXX	3.25	Employed	Employed	Permanent Resident Alien	U.S. Citizen	No	0
0164543000	XXXXXX	3.2789	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0202441613	XXXXXX	3.2653	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0289292446	XXXXXX	3.375	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0365530848	XXXXXX	3.1249	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0617986787	XXXXXX	2.9999	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0496740217	XXXXXX	2.875	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0917131732	XXXXXX	2.8902	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0926035927	XXXXXX	3.0115	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0603795050	XXXXXX	3.1247	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0032308265	XXXXXX	3.1393	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0526040098	XXXXXX	3.3952	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0448045178	XXXXXX	2.8748	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0417818039	XXXXXX	3.2517	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0237859061	XXXXXX	2.7499	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0744499361	XXXXXX	3.4226	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0175902539	XXXXXX	3.2538	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0087867838	XXXXXX	3.2499	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0970818417	XXXXXX	3.139	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0132083552	XXXXXX	3.2761	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0864403324	XXXXXX	2.7544	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0305255025	XXXXXX	2.7515	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0357907958	XXXXXX	3.329	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0882156006	XXXXXX	3.3905	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0389550109	XXXXXX	3.0113	Retired	Retired	U.S. Citizen	U.S. Citizen	No	0
0950955298	XXXXXX	3.1568	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0617718950	XXXXXX	3.1243	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0817980164	XXXXXX	2.8744	Employed	Employed	Permanent Resident Alien	Permanent Resident Alien	No	0
0341455011	XXXXXX	3.1568	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0334588786	XXXXXX	3.2604	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0146430692	XXXXXX	2.8839	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0016426301	XXXXXX	2.7764	Employed	Employed	Permanent Resident Alien	Permanent Resident Alien	No	0
0502063980	XXXXXX	2.9987	Employed	Employed	Permanent Resident Alien	U.S. Citizen	No	0
0047501038	XXXXXX	3.6255	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0063703620	XXXXXX	3.2494	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0205194025	XXXXXX	3.4152	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0215441392	XXXXXX	2.8751	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0629151148	XXXXXX	3.1491	Unemployed	Employed	U.S. Citizen	U.S. Citizen	No	0
0133938555	XXXXXX	2.7463	Employed	Employed	Permanent Resident Alien	Non-Permanent Resident Alien	No	0
0598841281	XXXXXX	3.5149	Unemployed	Employed	U.S. Citizen	U.S. Citizen	No	0
0568261939	XXXXXX	2.9998	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0763457022	XXXXXX	3.3914	Employed	Employed	U.S. Citizen	U.S. Citizen	Yes	18759.82
0928929046	XXXXXX	3.128	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0197658429	XXXXXX	3.3123	Employed	Employed	U.S. Citizen	U.S. Citizen	Yes	18660.39
0821567263	XXXXXX	3.1654	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0692343551	XXXXXX	3.4277	Employed	Employed	Permanent Resident Alien	Permanent Resident Alien	No	0
0358557373	XXXXXX	2.8749	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0001442055	XXXXXX	2.7673	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0646168920	XXXXXX	3.1578	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0656643622	XXXXXX	3.3757	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0909799015	XXXXXX	3.0094	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0435065781	XXXXXX	2.8603	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0304112440	XXXXXX	3	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0892599109	XXXXXX	3.0985	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0598221185	XXXXXX	3.3742	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0155313978	XXXXXX	3.2664	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0435667839	XXXXXX	3.1603	Employed	Unemployed	U.S. Citizen	U.S. Citizen	Yes	38645.31
0316303659	XXXXXX	3.1249	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0467567734	XXXXXX	3.6153	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0235567649	XXXXXX	2.875	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0934501608	XXXXXX	3.375	Employed	Employed	U.S. Citizen	Permanent Resident Alien	No	0
0568327749	XXXXXX	3.2501	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0636990742	XXXXXX	3.2668	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0987410312	XXXXXX	3.2501	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0356225648	XXXXXX	3.2787	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0929898885	XXXXXX	3.2872	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0331302840	XXXXXX	3.763	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0567431813	XXXXXX	3.4203	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0772792638	XXXXXX	3.1252	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0611439570	XXXXXX	3.3931	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0880615284	XXXXXX	3.1425	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0286395358	XXXXXX	3.2494	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0727102781	XXXXXX	3.625	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0091999898	XXXXXX	2.9055	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0084932463	XXXXXX	2.7705	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0498176253	XXXXXX	3.0038	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0868414709	XXXXXX	2.8749	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0398810574	XXXXXX	2.8946	Employed	Unemployed	U.S. Citizen	Permanent Resident Alien	No	0
0492401808	XXXXXX	3	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0855405900	XXXXXX	2.8388	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0221165349	XXXXXX	2.8744	Employed	Employed	U.S. Citizen	Permanent Resident Alien	No	0
0229239392	XXXXXX	3.375	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0465953484	XXXXXX	3.0001	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0088333501	XXXXXX	2.7748	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0210509784	XXXXXX	3.2499	Unemployed	Employed	U.S. Citizen	U.S. Citizen	No	0
0043528627	XXXXXX	2.7748	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0714439402	XXXXXX	3.151	Employed	Employed	U.S. Citizen	Permanent Resident Alien	No	0
0256793336	XXXXXX	3.2712	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0172307711	XXXXXX	3.1474	Employed	Employed	Non-Permanent Resident Alien	Non-Permanent Resident Alien	No	0
0320395059	XXXXXX	3.3083	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0423170417	XXXXXX	2.875	Employed	Employed	Permanent Resident Alien	Permanent Resident Alien	Yes	18395.65
0387718274	XXXXXX	3.2646	Employed	Unemployed	U.S. Citizen	(No Data)	No	0
0170383070	XXXXXX	3.2657	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0925636422	XXXXXX	3.3997	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0319401242	XXXXXX	2.9987	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0923847944	XXXXXX	3	Employed	Unemployed	U.S. Citizen	U.S. Citizen	Yes	30000
0686019166	XXXXXX	3.414	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0935256896	XXXXXX	2.8695	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0316110307	XXXXXX	3.0163	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0734205882	XXXXXX	3.0497	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0700365699	XXXXXX	3.1433	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0235654953	XXXXXX	3.2703	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0314535807	XXXXXX	3.0095	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0657678689	XXXXXX	3.1501	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0159998015	XXXXXX	3.3984	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0172474857	XXXXXX	2.7501	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0696046690	XXXXXX	3.4019	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0091008709	XXXXXX	2.7578	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0955989134	XXXXXX	3.1422	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0848995684	XXXXXX	3.2629	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0509443395	XXXXXX	3.0165	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0269025572	XXXXXX	2.9994	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0572597962	XXXXXX	3.1313	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0209961006	XXXXXX	3.2694	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0406175777	XXXXXX	3.8749	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0326355267	XXXXXX	2.7702	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0534859575	XXXXXX	3.25	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0892350963	XXXXXX	3.1345	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0375940135	XXXXXX	2.7657	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0701821800	XXXXXX	3.2698	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0616325002	XXXXXX	3.0228	Employed	Employed	Permanent Resident Alien	U.S. Citizen	No	0
0073034805	XXXXXX	3.1247	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0231334101	XXXXXX	2.8987	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0725630557	XXXXXX	2.6251	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0068430033	XXXXXX	2.8912	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0559278351	XXXXXX	3.511	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0831230243	XXXXXX	3.631	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0596771914	XXXXXX	3.2661	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0267811530	XXXXXX	3.0084	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0069119873	XXXXXX	2.9108	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0060601564	XXXXXX	2.8749	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0803735263	XXXXXX	2.9039	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0290935180	XXXXXX	2.7499	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0698008705	XXXXXX	3.1249	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0435933950	XXXXXX	2.9553	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0722444184	XXXXXX	3.2436	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0911493224	XXXXXX	3.2707	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0805203628	XXXXXX	3.2599	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0569117909	XXXXXX	2.7499	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0453397647	XXXXXX	3.1199	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0205726976	XXXXXX	3.036	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0356104488	XXXXXX	2.551	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0706815855	XXXXXX	3.2294	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0505002330	XXXXXX	3.8749	Retired	(No Data)	U.S. Citizen	(No Data)	No	0
0149368455	XXXXXX	3.2501	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0782961994	XXXXXX	3.884	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0892192051	XXXXXX	3.3742	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0203802152	XXXXXX	2.8826	Employed	Employed	Permanent Resident Alien	Permanent Resident Alien	No	0
0955156588	XXXXXX	3.5036	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0481098853	XXXXXX	3.2465	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0391328966	XXXXXX	3.2685	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0962810216	XXXXXX	3.5	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0460511689	XXXXXX	3.493	Employed	Unemployed	Permanent Resident Alien	Permanent Resident Alien	No	0
0028477011	XXXXXX	3.5045	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0594005576	XXXXXX	3.1073	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0669124532	XXXXXX	3.3683	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0517855345	XXXXXX	2.7647	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0029264920	XXXXXX	3.2498	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0008280028	XXXXXX	4.1258	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0939621352	XXXXXX	3.3016	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0650512691	XXXXXX	3.3987	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0008293269	XXXXXX	3.5084	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0905610877	XXXXXX	3.0033	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0498048106	XXXXXX	3.407	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0311712614	XXXXXX	3.015	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0297718166	XXXXXX	2.9831	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0399149633	XXXXXX	3.3092	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0596861615	XXXXXX	3.1249	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0505400757	XXXXXX	2.7495	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0227320863	XXXXXX	3.0025	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0237603193	XXXXXX	3.7485	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0078557540	XXXXXX	3.1249	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0595318540	XXXXXX	2.89	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0710942108	XXXXXX	3.3586	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0590004680	XXXXXX	2.7401	Retired	(No Data)	U.S. Citizen	(No Data)	No	0
0799073100	XXXXXX	3.2465	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0826108892	XXXXXX	2.875	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0319963789	XXXXXX	2.7489	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0714739945	XXXXXX	3.1247	Employed	Employed	Non-Permanent Resident Alien	Non-Permanent Resident Alien	No	0
0653687659	XXXXXX	3.375	Employed	Retired	U.S. Citizen	U.S. Citizen	No	0
0370111594	XXXXXX	3.3808	Employed	Retired	U.S. Citizen	U.S. Citizen	No	0
0195700153	XXXXXX	3.2686	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0392919710	XXXXXX	2.9095	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0279010260	XXXXXX	3.4965	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0692927227	XXXXXX	3.1516	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0455781406	XXXXXX	3.2501	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0227172047	XXXXXX	3.2592	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0323048408	XXXXXX	3.683	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0535604744	XXXXXX	3.2706	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0849998169	XXXXXX	2.6249	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0062148837	XXXXXX	2.8993	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0433817330	XXXXXX	3.51	Retired	Employed	U.S. Citizen	U.S. Citizen	No	0
0838218787	XXXXXX	3.6258	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0388688654	XXXXXX	2.8967	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0334422712	XXXXXX	3.1541	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0070584510	XXXXXX	3.382	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0901435205	XXXXXX	3.1472	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0722953477	XXXXXX	3.5177	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0914250216	XXXXXX	3.2676	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0781340231	XXXXXX	3.493	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0548873977	XXXXXX	3.4155	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0789937139	XXXXXX	3.135	Employed	Employed	Non-Permanent Resident Alien	Non-Permanent Resident Alien	No	0
0141674452	XXXXXX	3.3785	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0708733554	XXXXXX	2.9813	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0478749220	XXXXXX	3.6249	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0327241907	XXXXXX	3.5333	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0264928705	XXXXXX	3.3933	Employed	Employed	Permanent Resident Alien	Permanent Resident Alien	No	0
0423819313	XXXXXX	3.8747	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0947043588	XXXXXX	3.8938	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0921327304	XXXXXX	3.152	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0047160022	XXXXXX	3.2494	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0578003446	XXXXXX	3.4024	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0334333278	XXXXXX	3.3748	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0479955912	XXXXXX	2.8572	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0059353931	XXXXXX	3.6296	Employed	(No Data)	U.S. Citizen	(No Data)	Yes	26653.79
0297939688	XXXXXX	2.8092	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0010826823	XXXXXX	3.6349	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0224364000	XXXXXX	2.9009	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0374926914	XXXXXX	3.1454	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0166671017	XXXXXX	3.024	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0331703728	XXXXXX	3.2713	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0500160486	XXXXXX	3.2499	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0087401493	XXXXXX	3.2605	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0934604695	XXXXXX	2.6333	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0123683594	XXXXXX	3.2499	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0171698680	XXXXXX	3.0219	Employed	Unemployed	Permanent Resident Alien	U.S. Citizen	No	0
0777507334	XXXXXX	3.4052	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0224787836	XXXXXX	3.2499	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0087079366	XXXXXX	3.2776	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0411115272	XXXXXX	3.0134	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0552582570	XXXXXX	2.9998	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0831923509	XXXXXX	2.6684	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0566235119	XXXXXX	2.7337	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0258571462	XXXXXX	3.1209	Unemployed	Employed	U.S. Citizen	U.S. Citizen	No	0
0674517418	XXXXXX	2.7349	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0598747092	XXXXXX	3.0151	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0308346631	XXXXXX	2.7501	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0198209562	XXXXXX	3.1504	Employed	Unemployed	U.S. Citizen	(No Data)	No	0
0852578705	XXXXXX	3.2551	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0181469741	XXXXXX	3.1209	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0172973631	XXXXXX	2.8805	Employed	Employed	Permanent Resident Alien	U.S. Citizen	No	0
0195260056	XXXXXX	3.1243	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0979354282	XXXXXX	2.6465	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0902479734	XXXXXX	3.269	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0448449905	XXXXXX	2.8738	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0318929563	XXXXXX	2.8732	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0419254311	XXXXXX	2.9999	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0083431261	XXXXXX	2.4952	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0176464215	XXXXXX	2.7708	Employed	Employed	Permanent Resident Alien	U.S. Citizen	No	0
0643755415	XXXXXX	2.9017	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0391030430	XXXXXX	3.4035	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0596751492	XXXXXX	2.7781	Retired	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0133806802	XXXXXX	2.7652	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0810627045	XXXXXX	3.159	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0627907732	XXXXXX	2.75	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0432132209	XXXXXX	3.1444	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0314944184	XXXXXX	3.3962	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0841719747	XXXXXX	2.9998	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0323637836	XXXXXX	2.746	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0253839394	XXXXXX	3.1783	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0165073789	XXXXXX	2.6691	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0210642526	XXXXXX	2.8903	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0672271657	XXXXXX	3.4091	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0902640178	XXXXXX	3.1376	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0892324179	XXXXXX	3.1571	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0778038727	XXXXXX	3.0088	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0928569869	XXXXXX	3.1605	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0871667533	XXXXXX	3.1248	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0702702409	XXXXXX	3.1247	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0217297674	XXXXXX	2.875	Employed	Employed	Non-Permanent Resident Alien	Non-Permanent Resident Alien	No	0
0846348091	XXXXXX	2.8946	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0371702040	XXXXXX	3.5298	Employed	Employed	U.S. Citizen	Permanent Resident Alien	No	0
0016883835	XXXXXX	2.8689	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0835308027	XXXXXX	2.867	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0951877372	XXXXXX	3.1141	Employed	Employed	Non-Permanent Resident Alien	Non-Permanent Resident Alien	No	0
0136671540	XXXXXX	2.8748	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0698674168	XXXXXX	3.5667	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0727541843	XXXXXX	2.7556	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0225220355	XXXXXX	3.1383	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0047162086	XXXXXX	3.1133	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0486972146	XXXXXX	2.8804	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0732354163	XXXXXX	2.6325	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0828386484	XXXXXX	3.1348	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0647644232	XXXXXX	2.9998	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0038224148	XXXXXX	2.7598	Employed	Employed	Non-Permanent Resident Alien	Non-Permanent Resident Alien	Yes	18568.58
0907456397	XXXXXX	2.9694	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0214086633	XXXXXX	2.5472	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0112876272	XXXXXX	2.9998	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0482713964	XXXXXX	3.0096	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0421931063	XXXXXX	4.1564	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0713178371	XXXXXX	3.7906	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0257860964	XXXXXX	3.7639	Employed	Employed	U.S. Citizen	U.S. Citizen	No	34546
0938822959	XXXXXX	3.7511	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0616406934	XXXXXX	3.8843	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0757775016	XXXXXX	3.7589	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0214703126	XXXXXX	3.8998	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0827711180	XXXXXX	3.7771	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0826698707	XXXXXX	3.6959	Employed	(No Data)	U.S. Citizen	(No Data)	No	0

EX-99.4

Exhibit 99.4

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2021-RR1
Start - End Dates:	4.2017 TO 4.2021
Deal Loan Count:	329
Valuations Summary
Loans in Report:	329

Alt Loan Number	Seller Loan Number	Original Balance	Sales Price	Value for LTV
0891830542	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0358266475	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0445009472	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0565792248	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0989559892	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0172102535	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0234789318	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0167511513	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0188994424	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0278458811	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0276605721	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0979650819	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0805840121	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0894886858	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0762387763	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0688514980	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0742242406	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0404547058	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0638297842	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0746298925	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0863486295	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0340006234	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0404943214	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0930158501	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0707375415	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0388007370	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0475617019	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0688663791	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0902260454	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0617386511	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0267572469	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0290791026	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0164543000	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0202441613	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0289292446	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0365530848	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0617986787	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0496740217	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0917131732	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0926035927	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0603795050	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0032308265	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0526040098	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0448045178	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0417818039	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0237859061	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0744499361	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0175902539	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0087867838	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0970818417	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0132083552	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0864403324	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0305255025	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0357907958	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0882156006	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0389550109	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0950955298	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0617718950	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0817980164	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0341455011	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0334588786	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0146430692	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0016426301	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0502063980	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0047501038	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0063703620	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0205194025	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0215441392	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0629151148	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0133938555	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0598841281	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0568261939	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0763457022	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0928929046	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0197658429	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0821567263	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0692343551	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0358557373	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0001442055	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0646168920	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0656643622	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0909799015	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0435065781	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0304112440	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0892599109	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0598221185	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0155313978	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0435667839	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0316303659	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0467567734	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0235567649	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0934501608	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0568327749	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0636990742	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0987410312	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0356225648	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0929898885	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0331302840	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0567431813	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0772792638	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0611439570	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0880615284	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0286395358	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0727102781	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0091999898	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0084932463	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0498176253	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0868414709	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0398810574	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0492401808	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0855405900	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0221165349	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0229239392	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0465953484	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0088333501	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0210509784	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0043528627	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0714439402	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0256793336	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0172307711	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0320395059	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0423170417	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0387718274	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0170383070	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0925636422	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0319401242	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0923847944	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0686019166	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0935256896	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0316110307	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0734205882	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0700365699	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0235654953	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0314535807	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0657678689	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0159998015	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0172474857	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0696046690	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0091008709	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0955989134	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0848995684	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0509443395	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0269025572	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0572597962	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0209961006	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0406175777	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0326355267	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0534859575	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0892350963	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0375940135	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0701821800	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0616325002	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0073034805	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0231334101	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0725630557	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0068430033	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0559278351	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0831230243	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0596771914	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0267811530	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0069119873	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0060601564	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0803735263	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0290935180	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0698008705	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0435933950	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0722444184	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0911493224	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0805203628	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0569117909	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0453397647	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0205726976	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0356104488	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0706815855	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0505002330	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0149368455	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0782961994	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0892192051	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0203802152	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0955156588	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0481098853	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0391328966	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0962810216	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0460511689	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0028477011	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0594005576	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0669124532	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0517855345	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0029264920	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0008280028	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0939621352	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0650512691	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0008293269	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0905610877	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0498048106	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0311712614	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0297718166	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0399149633	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0596861615	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0505400757	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0227320863	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0237603193	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0078557540	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0595318540	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0710942108	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0590004680	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0799073100	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0826108892	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0319963789	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0714739945	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0653687659	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0370111594	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0195700153	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0392919710	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0279010260	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0692927227	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0455781406	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0227172047	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0323048408	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0535604744	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0849998169	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0062148837	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0433817330	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0838218787	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0388688654	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0334422712	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0070584510	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0901435205	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0722953477	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0914250216	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0781340231	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0548873977	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0789937139	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0141674452	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0708733554	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0478749220	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0327241907	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0264928705	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0423819313	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0947043588	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0921327304	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0047160022	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0578003446	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0334333278	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0479955912	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0059353931	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0297939688	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0010826823	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0224364000	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0374926914	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0166671017	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0331703728	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0500160486	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0087401493	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0934604695	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0123683594	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0171698680	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0777507334	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0224787836	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0087079366	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0411115272	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0552582570	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0831923509	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0566235119	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0258571462	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0674517418	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0598747092	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0308346631	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0198209562	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0852578705	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0181469741	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0172973631	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0195260056	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0979354282	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0902479734	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0448449905	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0318929563	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0419254311	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0083431261	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0176464215	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0643755415	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0391030430	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0596751492	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0133806802	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0810627045	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0627907732	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0432132209	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0314944184	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0841719747	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0323637836	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0253839394	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0165073789	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0210642526	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0672271657	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0902640178	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0892324179	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0778038727	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0928569869	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0871667533	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0702702409	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0217297674	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0846348091	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0371702040	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0016883835	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0835308027	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0951877372	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0136671540	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0698674168	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0727541843	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0225220355	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0047162086	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0486972146	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0732354163	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0828386484	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0647644232	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0038224148	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0907456397	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0214086633	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0112876272	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0482713964	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0421931063	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0713178371	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0257860964	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0938822959	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0616406934	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0757775016	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0214703126	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0827711180	XXXXXX	XXXXXX	XXXXXX	XXXXXX
0826698707	XXXXXX	XXXXXX	XXXXXX	XXXXXX

	Origination Values
Alt Loan Number	Appraised Date	Appraised Value	Appraisal Form	AVM Vendor Name	Confidence Score	Review Date	Review Value	Variance Amount	Variance (%)	Review Type
0891830542	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0358266475	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0445009472	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0565792248	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0989559892	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0172102535	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0234789318	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0167511513	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0188994424	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0278458811	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0276605721	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0979650819	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0805840121	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0894886858	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0762387763	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0688514980	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0742242406	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0404547058	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0638297842	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0746298925	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0863486295	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0340006234	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0404943214	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0930158501	XXXXXX	XXXXXX	2095 Ext Only Cooperative			06/23/2020	XXXXXX	$0.00	0.00%	Lender Internal
0707375415	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0388007370	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0475617019	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0688663791	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0902260454	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0617386511	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0267572469	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0290791026	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0164543000	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0202441613	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0289292446	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0365530848	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0617986787	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0496740217	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0917131732	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0926035927	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0603795050	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0032308265	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0526040098	XXXXXX	XXXXXX	1075 Exterior-Only Condo (Mar 05)				$0.00
0448045178	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0417818039	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0237859061	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0744499361	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0175902539	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0087867838	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0970818417	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0132083552	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0864403324	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0305255025	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0357907958	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0882156006	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0389550109	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0950955298	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0617718950	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0817980164	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0341455011	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0334588786	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0146430692	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0016426301	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0502063980	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0047501038	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0063703620	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0205194025	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0215441392	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0629151148	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0133938555	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0598841281	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0568261939	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0763457022	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0928929046	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0197658429	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0821567263	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0692343551	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0358557373	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0001442055	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0646168920	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0656643622	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0909799015	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0435065781	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0304112440	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0892599109	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0598221185	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0155313978	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0435667839	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0316303659	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0467567734	XXXXXX	XXXXXX	1004 SFR (Mar 05)			07/27/2020	XXXXXX	$0.00	0.00%	Lender Internal
0235567649	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0934501608	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0568327749	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)			06/30/2020	XXXXXX	XXXXXX	16.25%	Lender Internal
0636990742	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0987410312	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0356225648	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0929898885	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0331302840	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0567431813	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0772792638	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0611439570	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0880615284	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0286395358	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0727102781	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0091999898	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0084932463	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0498176253	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0868414709	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0398810574	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0492401808	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0855405900	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0221165349	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0229239392	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0465953484	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0088333501	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0210509784	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0043528627	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0714439402	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0256793336	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0172307711	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0320395059	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0423170417	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0387718274	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0170383070	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0925636422	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0319401242	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0923847944	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0686019166	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0935256896	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0316110307	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0734205882	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0700365699	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0235654953	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0314535807	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0657678689	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0159998015	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0172474857	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0696046690	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0091008709	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0955989134	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0848995684	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0509443395	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0269025572	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0572597962	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0209961006	XXXXXX	XXXXXX	1075 Exterior-Only Condo (Mar 05)				$0.00
0406175777	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0326355267	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0534859575	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0892350963	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0375940135	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0701821800	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0616325002	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0073034805	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0231334101	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0725630557	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0068430033	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0559278351	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)			07/27/2020	XXXXXX	XXXXXX	-4.17%	Lender Internal
0831230243	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0596771914	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0267811530	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0069119873	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0060601564	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0803735263	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0290935180	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0698008705	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0435933950	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0722444184	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0911493224	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0805203628	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0569117909	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0453397647	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0205726976	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0356104488	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0706815855	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0505002330	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0149368455	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0782961994	XXXXXX	XXXXXX	1025 Multi-Fam (Mar 05)				$0.00
0892192051	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0203802152	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0955156588	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0481098853	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0391328966	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0962810216	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0460511689	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0028477011	XXXXXX	XXXXXX	2090 Cooperative (Mar 05)				$0.00
0594005576	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0669124532	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0517855345	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0029264920	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0008280028	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0939621352	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0650512691	XXXXXX	XXXXXX	2090 Cooperative (Mar 05)				$0.00
0008293269	XXXXXX	XXXXXX	2090 Cooperative (Mar 05)				$0.00
0905610877	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0498048106	XXXXXX	XXXXXX	1004 SFR (Mar 05)			05/24/2020	XXXXXX	$0.00	0.00%	Lender Internal
0311712614	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0297718166	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0399149633	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0596861615	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0505400757	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0227320863	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0237603193	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0078557540	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0595318540	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0710942108	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0590004680	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0799073100	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0826108892	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0319963789	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0714739945	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0653687659	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0370111594	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0195700153	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0392919710	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0279010260	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0692927227	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0455781406	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0227172047	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0323048408	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0535604744	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0849998169	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0062148837	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0433817330	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0838218787	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0388688654	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0334422712	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0070584510	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0901435205	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0722953477	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0914250216	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0781340231	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0548873977	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0789937139	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0141674452	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0708733554	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0478749220	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0327241907	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0264928705	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0423819313	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0947043588	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0921327304	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0047160022	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0578003446	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0334333278	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0479955912	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0059353931	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0297939688	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0010826823	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0224364000	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0374926914	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0166671017	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0331703728	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0500160486	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0087401493	XXXXXX	XXXXXX	1075 Exterior-Only Condo (Mar 05)				$0.00
0934604695	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0123683594	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0171698680	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0777507334	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0224787836	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0087079366	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0411115272	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0552582570	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0831923509	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0566235119	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0258571462	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0674517418	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0598747092	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0308346631	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0198209562	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0852578705	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0181469741	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0172973631	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0195260056	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0979354282	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0902479734	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0448449905	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0318929563	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0419254311	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0083431261	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0176464215	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0643755415	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0391030430	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0596751492	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0133806802	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0810627045	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0627907732	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0432132209	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0314944184	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0841719747	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0323637836	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0253839394	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0165073789	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0210642526	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0672271657	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0902640178	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0892324179	XXXXXX	XXXXXX	1004 SFR (Mar 05)			09/16/2020	XXXXXX	$0.00	0.00%	Lender Internal
0778038727	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0928569869	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0871667533	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0702702409	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0217297674	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0846348091	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0371702040	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0016883835	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0835308027	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0951877372	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0136671540	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0698674168	XXXXXX	XXXXXX	2055 Ext Only (Mar 05)				$0.00
0727541843	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0225220355	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0047162086	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0486972146	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0732354163	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0828386484	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0647644232	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0038224148	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0907456397	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0214086633	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0112876272	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0482713964	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0421931063	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0713178371	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0257860964	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0938822959	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0616406934	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0757775016	XXXXXX	XXXXXX	1073 Condo (Mar 05)				$0.00
0214703126	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0827711180	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00
0826698707	XXXXXX	XXXXXX	1004 SFR (Mar 05)				$0.00

	Automated Valuation Model
Alt Loan Number	Report Date	Value	Variance Amount	Variance (%)	AVM Vendor Name	AVM FSD	Confidence Score
0891830542		$0.00	$0.00	0.00%		0.000
0358266475		$0.00	$0.00	0.00%		0.000
0445009472		$0.00	$0.00	0.00%		0.000
0565792248		$0.00	$0.00	0.00%		0.000
0989559892		$0.00	$0.00	0.00%		0.000
0172102535		$0.00	$0.00	0.00%		0.000
0234789318		$0.00	$0.00	0.00%		0.000
0167511513		$0.00	$0.00	0.00%		0.000
0188994424		$0.00	$0.00	0.00%		0.000
0278458811		$0.00	$0.00	0.00%		0.000
0276605721		$0.00	$0.00	0.00%		0.000
0979650819		$0.00	$0.00	0.00%		0.000
0805840121		$0.00	$0.00	0.00%		0.000
0894886858		$0.00	$0.00	0.00%		0.000
0762387763		$0.00	$0.00	0.00%		0.000
0688514980		$0.00	$0.00	0.00%		0.000
0742242406		$0.00	$0.00	0.00%		0.000
0404547058		$0.00	$0.00	0.00%		0.000
0638297842		$0.00	$0.00	0.00%		0.000
0746298925		$0.00	$0.00	0.00%		0.000
0863486295		$0.00	$0.00	0.00%		0.000
0340006234		$0.00	$0.00	0.00%		0.000
0404943214		$0.00	$0.00	0.00%		0.000
0930158501		$0.00	$0.00	0.00%		0.000
0707375415		$0.00	$0.00	0.00%		0.000
0388007370		$0.00	$0.00	0.00%		0.000
0475617019		$0.00	$0.00	0.00%		0.000
0688663791		$0.00	$0.00	0.00%		0.000
0902260454		$0.00	$0.00	0.00%		0.000
0617386511		$0.00	$0.00	0.00%		0.000
0267572469		$0.00	$0.00	0.00%		0.000
0290791026		$0.00	$0.00	0.00%		0.000
0164543000		$0.00	$0.00	0.00%		0.000
0202441613		$0.00	$0.00	0.00%		0.000
0289292446		$0.00	$0.00	0.00%		0.000
0365530848		$0.00	$0.00	0.00%		0.000
0617986787		$0.00	$0.00	0.00%		0.000
0496740217		$0.00	$0.00	0.00%		0.000
0917131732		$0.00	$0.00	0.00%		0.000
0926035927		$0.00	$0.00	0.00%		0.000
0603795050		$0.00	$0.00	0.00%		0.000
0032308265		$0.00	$0.00	0.00%		0.000
0526040098		$0.00	$0.00	0.00%		0.000
0448045178		$0.00	$0.00	0.00%		0.000
0417818039		$0.00	$0.00	0.00%		0.000
0237859061		$0.00	$0.00	0.00%		0.000
0744499361		$0.00	$0.00	0.00%		0.000
0175902539		$0.00	$0.00	0.00%		0.000
0087867838		$0.00	$0.00	0.00%		0.000
0970818417		$0.00	$0.00	0.00%		0.000
0132083552		$0.00	$0.00	0.00%		0.000
0864403324		$0.00	$0.00	0.00%		0.000
0305255025		$0.00	$0.00	0.00%		0.000
0357907958		$0.00	$0.00	0.00%		0.000
0882156006		$0.00	$0.00	0.00%		0.000
0389550109		$0.00	$0.00	0.00%		0.000
0950955298		$0.00	$0.00	0.00%		0.000
0617718950		$0.00	$0.00	0.00%		0.000
0817980164		$0.00	$0.00	0.00%		0.000
0341455011		$0.00	$0.00	0.00%		0.000
0334588786		$0.00	$0.00	0.00%		0.000
0146430692		$0.00	$0.00	0.00%		0.000
0016426301		$0.00	$0.00	0.00%		0.000
0502063980		$0.00	$0.00	0.00%		0.000
0047501038		$0.00	$0.00	0.00%		0.000
0063703620		$0.00	$0.00	0.00%		0.000
0205194025		$0.00	$0.00	0.00%		0.000
0215441392		$0.00	$0.00	0.00%		0.000
0629151148		$0.00	$0.00	0.00%		0.000
0133938555		$0.00	$0.00	0.00%		0.000
0598841281		$0.00	$0.00	0.00%		0.000
0568261939		$0.00	$0.00	0.00%		0.000
0763457022		$0.00	$0.00	0.00%		0.000
0928929046		$0.00	$0.00	0.00%		0.000
0197658429		$0.00	$0.00	0.00%		0.000
0821567263		$0.00	$0.00	0.00%		0.000
0692343551		$0.00	$0.00	0.00%		0.000
0358557373		$0.00	$0.00	0.00%		0.000
0001442055		$0.00	$0.00	0.00%		0.000
0646168920		$0.00	$0.00	0.00%		0.000
0656643622		$0.00	$0.00	0.00%		0.000
0909799015		$0.00	$0.00	0.00%		0.000
0435065781		$0.00	$0.00	0.00%		0.000
0304112440		$0.00	$0.00	0.00%		0.000
0892599109		$0.00	$0.00	0.00%		0.000
0598221185		$0.00	$0.00	0.00%		0.000
0155313978		$0.00	$0.00	0.00%		0.000
0435667839		$0.00	$0.00	0.00%		0.000
0316303659		$0.00	$0.00	0.00%		0.000
0467567734		$0.00	$0.00	0.00%		0.000
0235567649		$0.00	$0.00	0.00%		0.000
0934501608		$0.00	$0.00	0.00%		0.000
0568327749		$0.00	$0.00	0.00%		0.000
0636990742		$0.00	$0.00	0.00%		0.000
0987410312		$0.00	$0.00	0.00%		0.000
0356225648		$0.00	$0.00	0.00%		0.000
0929898885		$0.00	$0.00	0.00%		0.000
0331302840		$0.00	$0.00	0.00%		0.000
0567431813		$0.00	$0.00	0.00%		0.000
0772792638		$0.00	$0.00	0.00%		0.000
0611439570		$0.00	$0.00	0.00%		0.000
0880615284		$0.00	$0.00	0.00%		0.000
0286395358		$0.00	$0.00	0.00%		0.000
0727102781		$0.00	$0.00	0.00%		0.000
0091999898		$0.00	$0.00	0.00%		0.000
0084932463		$0.00	$0.00	0.00%		0.000
0498176253		$0.00	$0.00	0.00%		0.000
0868414709		$0.00	$0.00	0.00%		0.000
0398810574		$0.00	$0.00	0.00%		0.000
0492401808		$0.00	$0.00	0.00%		0.000
0855405900		$0.00	$0.00	0.00%		0.000
0221165349		$0.00	$0.00	0.00%		0.000
0229239392		$0.00	$0.00	0.00%		0.000
0465953484		$0.00	$0.00	0.00%		0.000
0088333501		$0.00	$0.00	0.00%		0.000
0210509784		$0.00	$0.00	0.00%		0.000
0043528627		$0.00	$0.00	0.00%		0.000
0714439402		$0.00	$0.00	0.00%		0.000
0256793336		$0.00	$0.00	0.00%		0.000
0172307711		$0.00	$0.00	0.00%		0.000
0320395059		$0.00	$0.00	0.00%		0.000
0423170417		$0.00	$0.00	0.00%		0.000
0387718274		$0.00	$0.00	0.00%		0.000
0170383070		$0.00	$0.00	0.00%		0.000
0925636422		$0.00	$0.00	0.00%		0.000
0319401242		$0.00	$0.00	0.00%		0.000
0923847944		$0.00	$0.00	0.00%		0.000
0686019166		$0.00	$0.00	0.00%		0.000
0935256896		$0.00	$0.00	0.00%		0.000
0316110307		$0.00	$0.00	0.00%		0.000
0734205882		$0.00	$0.00	0.00%		0.000
0700365699		$0.00	$0.00	0.00%		0.000
0235654953		$0.00	$0.00	0.00%		0.000
0314535807		$0.00	$0.00	0.00%		0.000
0657678689		$0.00	$0.00	0.00%		0.000
0159998015		$0.00	$0.00	0.00%		0.000
0172474857		$0.00	$0.00	0.00%		0.000
0696046690		$0.00	$0.00	0.00%		0.000
0091008709		$0.00	$0.00	0.00%		0.000
0955989134		$0.00	$0.00	0.00%		0.000
0848995684		$0.00	$0.00	0.00%		0.000
0509443395		$0.00	$0.00	0.00%		0.000
0269025572		$0.00	$0.00	0.00%		0.000
0572597962		$0.00	$0.00	0.00%		0.000
0209961006		$0.00	$0.00	0.00%		0.000
0406175777		$0.00	$0.00	0.00%		0.000
0326355267		$0.00	$0.00	0.00%		0.000
0534859575		$0.00	$0.00	0.00%		0.000
0892350963		$0.00	$0.00	0.00%		0.000
0375940135		$0.00	$0.00	0.00%		0.000
0701821800		$0.00	$0.00	0.00%		0.000
0616325002		$0.00	$0.00	0.00%		0.000
0073034805		$0.00	$0.00	0.00%		0.000
0231334101		$0.00	$0.00	0.00%		0.000
0725630557		$0.00	$0.00	0.00%		0.000
0068430033		$0.00	$0.00	0.00%		0.000
0559278351		$0.00	$0.00	0.00%		0.000
0831230243		$0.00	$0.00	0.00%		0.000
0596771914		$0.00	$0.00	0.00%		0.000
0267811530		$0.00	$0.00	0.00%		0.000
0069119873		$0.00	$0.00	0.00%		0.000
0060601564		$0.00	$0.00	0.00%		0.000
0803735263		$0.00	$0.00	0.00%		0.000
0290935180		$0.00	$0.00	0.00%		0.000
0698008705		$0.00	$0.00	0.00%		0.000
0435933950		$0.00	$0.00	0.00%		0.000
0722444184		$0.00	$0.00	0.00%		0.000
0911493224		$0.00	$0.00	0.00%		0.000
0805203628		$0.00	$0.00	0.00%		0.000
0569117909		$0.00	$0.00	0.00%		0.000
0453397647		$0.00	$0.00	0.00%		0.000
0205726976		$0.00	$0.00	0.00%		0.000
0356104488		$0.00	$0.00	0.00%		0.000
0706815855		$0.00	$0.00	0.00%		0.000
0505002330		$0.00	$0.00	0.00%		0.000
0149368455		$0.00	$0.00	0.00%		0.000
0782961994		$0.00	$0.00	0.00%		0.000
0892192051		$0.00	$0.00	0.00%		0.000
0203802152		$0.00	$0.00	0.00%		0.000
0955156588		$0.00	$0.00	0.00%		0.000
0481098853		$0.00	$0.00	0.00%		0.000
0391328966		$0.00	$0.00	0.00%		0.000
0962810216		$0.00	$0.00	0.00%		0.000
0460511689		$0.00	$0.00	0.00%		0.000
0028477011		$0.00	$0.00	0.00%		0.000
0594005576		$0.00	$0.00	0.00%		0.000
0669124532		$0.00	$0.00	0.00%		0.000
0517855345		$0.00	$0.00	0.00%		0.000
0029264920		$0.00	$0.00	0.00%		0.000
0008280028		$0.00	$0.00	0.00%		0.000
0939621352		$0.00	$0.00	0.00%		0.000
0650512691		$0.00	$0.00	0.00%		0.000
0008293269		$0.00	$0.00	0.00%		0.000
0905610877		$0.00	$0.00	0.00%		0.000
0498048106		$0.00	$0.00	0.00%		0.000
0311712614		$0.00	$0.00	0.00%		0.000
0297718166		$0.00	$0.00	0.00%		0.000
0399149633		$0.00	$0.00	0.00%		0.000
0596861615		$0.00	$0.00	0.00%		0.000
0505400757		$0.00	$0.00	0.00%		0.000
0227320863		$0.00	$0.00	0.00%		0.000
0237603193		$0.00	$0.00	0.00%		0.000
0078557540		$0.00	$0.00	0.00%		0.000
0595318540		$0.00	$0.00	0.00%		0.000
0710942108		$0.00	$0.00	0.00%		0.000
0590004680		$0.00	$0.00	0.00%		0.000
0799073100		$0.00	$0.00	0.00%		0.000
0826108892		$0.00	$0.00	0.00%		0.000
0319963789		$0.00	$0.00	0.00%		0.000
0714739945		$0.00	$0.00	0.00%		0.000
0653687659		$0.00	$0.00	0.00%		0.000
0370111594		$0.00	$0.00	0.00%		0.000
0195700153		$0.00	$0.00	0.00%		0.000
0392919710		$0.00	$0.00	0.00%		0.000
0279010260		$0.00	$0.00	0.00%		0.000
0692927227		$0.00	$0.00	0.00%		0.000
0455781406		$0.00	$0.00	0.00%		0.000
0227172047		$0.00	$0.00	0.00%		0.000
0323048408		$0.00	$0.00	0.00%		0.000
0535604744		$0.00	$0.00	0.00%		0.000
0849998169		$0.00	$0.00	0.00%		0.000
0062148837		$0.00	$0.00	0.00%		0.000
0433817330		$0.00	$0.00	0.00%		0.000
0838218787		$0.00	$0.00	0.00%		0.000
0388688654		$0.00	$0.00	0.00%		0.000
0334422712		$0.00	$0.00	0.00%		0.000
0070584510		$0.00	$0.00	0.00%		0.000
0901435205		$0.00	$0.00	0.00%		0.000
0722953477		$0.00	$0.00	0.00%		0.000
0914250216		$0.00	$0.00	0.00%		0.000
0781340231		$0.00	$0.00	0.00%		0.000
0548873977		$0.00	$0.00	0.00%		0.000
0789937139		$0.00	$0.00	0.00%		0.000
0141674452		$0.00	$0.00	0.00%		0.000
0708733554		$0.00	$0.00	0.00%		0.000
0478749220		$0.00	$0.00	0.00%		0.000
0327241907		$0.00	$0.00	0.00%		0.000
0264928705		$0.00	$0.00	0.00%		0.000
0423819313		$0.00	$0.00	0.00%		0.000
0947043588		$0.00	$0.00	0.00%		0.000
0921327304		$0.00	$0.00	0.00%		0.000
0047160022		$0.00	$0.00	0.00%		0.000
0578003446		$0.00	$0.00	0.00%		0.000
0334333278		$0.00	$0.00	0.00%		0.000
0479955912		$0.00	$0.00	0.00%		0.000
0059353931		$0.00	$0.00	0.00%		0.000
0297939688		$0.00	$0.00	0.00%		0.000
0010826823		$0.00	$0.00	0.00%		0.000
0224364000		$0.00	$0.00	0.00%		0.000
0374926914		$0.00	$0.00	0.00%		0.000
0166671017		$0.00	$0.00	0.00%		0.000
0331703728		$0.00	$0.00	0.00%		0.000
0500160486		$0.00	$0.00	0.00%		0.000
0087401493		$0.00	$0.00	0.00%		0.000
0934604695		$0.00	$0.00	0.00%		0.000
0123683594		$0.00	$0.00	0.00%		0.000
0171698680		$0.00	$0.00	0.00%		0.000
0777507334		$0.00	$0.00	0.00%		0.000
0224787836		$0.00	$0.00	0.00%		0.000
0087079366		$0.00	$0.00	0.00%		0.000
0411115272		$0.00	$0.00	0.00%		0.000
0552582570		$0.00	$0.00	0.00%		0.000
0831923509		$0.00	$0.00	0.00%		0.000
0566235119		$0.00	$0.00	0.00%		0.000
0258571462		$0.00	$0.00	0.00%		0.000
0674517418		$0.00	$0.00	0.00%		0.000
0598747092		$0.00	$0.00	0.00%		0.000
0308346631		$0.00	$0.00	0.00%		0.000
0198209562		$0.00	$0.00	0.00%		0.000
0852578705		$0.00	$0.00	0.00%		0.000
0181469741		$0.00	$0.00	0.00%		0.000
0172973631		$0.00	$0.00	0.00%		0.000
0195260056		$0.00	$0.00	0.00%		0.000
0979354282		$0.00	$0.00	0.00%		0.000
0902479734		$0.00	$0.00	0.00%		0.000
0448449905		$0.00	$0.00	0.00%		0.000
0318929563		$0.00	$0.00	0.00%		0.000
0419254311		$0.00	$0.00	0.00%		0.000
0083431261		$0.00	$0.00	0.00%		0.000
0176464215		$0.00	$0.00	0.00%		0.000
0643755415		$0.00	$0.00	0.00%		0.000
0391030430		$0.00	$0.00	0.00%		0.000
0596751492		$0.00	$0.00	0.00%		0.000
0133806802		$0.00	$0.00	0.00%		0.000
0810627045		$0.00	$0.00	0.00%		0.000
0627907732		$0.00	$0.00	0.00%		0.000
0432132209		$0.00	$0.00	0.00%		0.000
0314944184		$0.00	$0.00	0.00%		0.000
0841719747		$0.00	$0.00	0.00%		0.000
0323637836		$0.00	$0.00	0.00%		0.000
0253839394		$0.00	$0.00	0.00%		0.000
0165073789		$0.00	$0.00	0.00%		0.000
0210642526		$0.00	$0.00	0.00%		0.000
0672271657		$0.00	$0.00	0.00%		0.000
0902640178		$0.00	$0.00	0.00%		0.000
0892324179		$0.00	$0.00	0.00%		0.000
0778038727		$0.00	$0.00	0.00%		0.000
0928569869		$0.00	$0.00	0.00%		0.000
0871667533		$0.00	$0.00	0.00%		0.000
0702702409		$0.00	$0.00	0.00%		0.000
0217297674		$0.00	$0.00	0.00%		0.000
0846348091		$0.00	$0.00	0.00%		0.000
0371702040		$0.00	$0.00	0.00%		0.000
0016883835		$0.00	$0.00	0.00%		0.000
0835308027		$0.00	$0.00	0.00%		0.000
0951877372		$0.00	$0.00	0.00%		0.000
0136671540		$0.00	$0.00	0.00%		0.000
0698674168		$0.00	$0.00	0.00%		0.000
0727541843		$0.00	$0.00	0.00%		0.000
0225220355		$0.00	$0.00	0.00%		0.000
0047162086		$0.00	$0.00	0.00%		0.000
0486972146		$0.00	$0.00	0.00%		0.000
0732354163		$0.00	$0.00	0.00%		0.000
0828386484		$0.00	$0.00	0.00%		0.000
0647644232		$0.00	$0.00	0.00%		0.000
0038224148		$0.00	$0.00	0.00%		0.000
0907456397		$0.00	$0.00	0.00%		0.000
0214086633		$0.00	$0.00	0.00%		0.000
0112876272		$0.00	$0.00	0.00%		0.000
0482713964		$0.00	$0.00	0.00%		0.000
0421931063		$0.00	$0.00	0.00%		0.000
0713178371		$0.00	$0.00	0.00%		0.000
0257860964		$0.00	$0.00	0.00%		0.000
0938822959		$0.00	$0.00	0.00%		0.000
0616406934		$0.00	$0.00	0.00%		0.000
0757775016		$0.00	$0.00	0.00%		0.000
0214703126		$0.00	$0.00	0.00%		0.000
0827711180		$0.00	$0.00	0.00%		0.000
0826698707		$0.00	$0.00	0.00%		0.000

	Desk Review				Second Desk Review
Alt Loan Number	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)
0891830542	05/03/2017	$0.00	XXXXXX	-100.00%		$0.00	$0.00	0.00%
0358266475	04/20/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0445009472	04/19/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0565792248	05/05/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0989559892	07/16/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0172102535	07/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0234789318	07/20/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0167511513	08/03/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0188994424	08/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0278458811	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0276605721	06/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0979650819	07/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0805840121	07/29/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0894886858	07/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0762387763	07/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0688514980	07/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0742242406	08/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0404547058	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0638297842	10/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0746298925	08/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0863486295	07/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0340006234	07/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0404943214	09/23/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0930158501		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0707375415	08/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0388007370	07/21/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0475617019	07/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0688663791	08/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0902260454	08/18/2020	XXXXXX	XXXXXX	-0.29%		$0.00	$0.00	0.00%
0617386511	07/06/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0267572469	07/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0290791026	10/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0164543000	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0202441613	08/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0289292446	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0365530848	08/04/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0617986787	09/21/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0496740217	08/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0917131732	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0926035927	08/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0603795050	07/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0032308265	07/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0526040098	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0448045178	07/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0417818039	07/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0237859061	07/21/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0744499361	07/05/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0175902539	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0087867838	08/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0970818417	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0132083552	08/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0864403324	07/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0305255025	07/13/2020	XXXXXX	XXXXXX	-0.85%		$0.00	$0.00	0.00%
0357907958	08/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0882156006	08/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0389550109	08/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0950955298	10/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0617718950	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0817980164	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0341455011	08/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0334588786	07/15/2020	XXXXXX	XXXXXX	-1.62%		$0.00	$0.00	0.00%
0146430692	08/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0016426301	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0502063980	08/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0047501038	08/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0063703620	07/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0205194025	10/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0215441392	08/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0629151148	08/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0133938555	07/19/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0598841281	08/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0568261939	07/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0763457022	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0928929046	08/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0197658429	08/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0821567263	08/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0692343551	08/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0358557373	07/22/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0001442055	07/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0646168920	09/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0656643622	06/25/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0909799015	07/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0435065781	09/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0304112440	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0892599109	08/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0598221185	06/19/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0155313978	06/16/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0435667839	06/24/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0316303659	08/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0467567734		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0235567649	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0934501608	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0568327749		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0636990742	08/20/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0987410312	08/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0356225648	08/19/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0929898885	08/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0331302840	08/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0567431813	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0772792638	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0611439570	08/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0880615284	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0286395358	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0727102781	07/02/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0091999898	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0084932463	09/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0498176253	08/19/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0868414709	08/25/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0398810574	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0492401808	08/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0855405900	08/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0221165349	08/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0229239392	08/12/2020	XXXXXX	XXXXXX	-7.43%		$0.00	$0.00	0.00%
0465953484	08/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0088333501	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0210509784	08/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0043528627	08/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0714439402	09/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0256793336	07/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0172307711	10/05/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0320395059	08/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0423170417	08/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0387718274	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0170383070	08/25/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0925636422	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0319401242	08/07/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0923847944	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0686019166	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0935256896	10/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0316110307	08/07/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0734205882	08/19/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0700365699	08/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0235654953	10/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0314535807	09/16/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0657678689	08/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0159998015	10/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0172474857	08/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0696046690	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0091008709	10/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0955989134	07/28/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0848995684	10/16/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0509443395	07/16/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0269025572	08/31/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0572597962	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0209961006	10/07/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0406175777	09/22/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0326355267	09/23/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0534859575	10/06/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0892350963	10/19/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0375940135	09/04/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0701821800	10/23/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0616325002	08/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0073034805	09/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0231334101	10/05/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0725630557	09/15/2020	XXXXXX	XXXXXX	-1.16%		$0.00	$0.00	0.00%
0068430033	09/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0559278351		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0831230243	10/22/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0596771914	11/02/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0267811530	09/10/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0069119873	10/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0060601564	10/23/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0803735263	09/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0290935180	09/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0698008705	10/16/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0435933950	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0722444184	09/27/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0911493224	10/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0805203628	10/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0569117909	10/26/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0453397647	10/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0205726976	09/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0356104488	10/23/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0706815855	10/20/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0505002330	01/29/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0149368455	08/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0782961994	12/18/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0892192051	01/23/2020	XXXXXX	XXXXXX	-17.06%		$0.00	$0.00	0.00%
0203802152	06/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0955156588	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0481098853	07/03/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0391328966	07/17/2020	XXXXXX	XXXXXX	-17.24%		$0.00	$0.00	0.00%
0962810216	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0460511689	01/27/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0028477011	01/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0594005576	12/24/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0669124532	07/22/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0517855345	07/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0029264920	07/19/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0008280028	08/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0939621352	08/02/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0650512691	07/27/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0008293269	03/23/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0905610877	08/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0498048106		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0311712614	08/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0297718166	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0399149633	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0596861615	06/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0505400757	10/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0227320863	01/06/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0237603193	07/21/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0078557540	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0595318540	08/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0710942108	05/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0590004680	10/28/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0799073100	07/03/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0826108892	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0319963789	07/21/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0714739945	07/16/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0653687659	07/16/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0370111594	09/21/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0195700153	09/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0392919710	08/19/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0279010260	07/03/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0692927227	08/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0455781406	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0227172047	10/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0323048408	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0535604744	09/15/2020	XXXXXX	XXXXXX	-4.95%		$0.00	$0.00	0.00%
0849998169	10/29/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0062148837	09/23/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0433817330	08/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0838218787	09/23/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0388688654	09/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0334422712	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0070584510	08/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0901435205	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0722953477	08/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0914250216	08/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0781340231	07/07/2020	XXXXXX	XXXXXX	-4.76%		$0.00	$0.00	0.00%
0548873977	07/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0789937139	11/23/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0141674452	07/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0708733554	08/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0478749220	05/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0327241907	07/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0264928705	09/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0423819313	07/21/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0947043588	07/17/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0921327304	09/23/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0047160022	07/19/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0578003446	07/21/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0334333278	05/20/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0479955912	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0059353931	10/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0297939688	08/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0010826823	08/26/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0224364000	07/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0374926914	08/07/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0166671017	08/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0331703728	08/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0500160486	08/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0087401493	09/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0934604695	10/05/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0123683594	07/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0171698680	08/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0777507334	08/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0224787836	07/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0087079366	07/05/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0411115272	07/20/2020	XXXXXX	XXXXXX	-20.04%		$0.00	$0.00	0.00%
0552582570	10/21/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0831923509	10/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0566235119	09/27/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0258571462	10/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0674517418	11/20/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0598747092	10/22/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0308346631	10/14/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0198209562	10/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0852578705	10/19/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0181469741	09/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0172973631	10/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0195260056	10/13/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0979354282	10/19/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0902479734	10/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0448449905	10/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0318929563	10/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0419254311	09/22/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0083431261	10/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0176464215	10/06/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0643755415	10/06/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0391030430	10/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0596751492	10/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0133806802	10/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0810627045	09/29/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0627907732	10/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0432132209	10/18/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0314944184	10/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0841719747	09/02/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0323637836	09/05/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0253839394	09/29/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0165073789	09/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0210642526	09/04/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0672271657	10/06/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0902640178	10/19/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0892324179		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0778038727	09/30/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0928569869	10/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0871667533	10/22/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0702702409	10/21/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0217297674	10/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0846348091	09/30/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0371702040	10/19/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0016883835	10/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0835308027	10/09/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0951877372	09/28/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0136671540	10/21/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0698674168	10/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0727541843	09/24/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0225220355	10/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0047162086	09/30/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0486972146	10/06/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0732354163	10/08/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0828386484	09/01/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0647644232	10/15/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0038224148	10/06/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0907456397	10/21/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0214086633	09/21/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0112876272	10/20/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0482713964	10/21/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0421931063	07/10/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0713178371	10/07/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0257860964	10/16/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0938822959	02/03/2020	XXXXXX	XXXXXX	0.95%		$0.00	$0.00	0.00%
0616406934	03/12/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0757775016	12/13/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0214703126	01/08/2019	XXXXXX	XXXXXX	-1.00%		$0.00	$0.00	0.00%
0827711180	12/28/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0826698707	12/30/2019	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%

	Field Review				Second Field Review				1004 SFR (Mar 05)
Alt Loan Number	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)
0891830542	06/01/2017	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0358266475		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0445009472		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0565792248		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0989559892		$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%
0234789318		$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%
0188994424		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0278458811		$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%
0979650819		$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%
0762387763		$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%
0742242406		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0404547058		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0638297842		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0746298925		$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%
0340006234		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0404943214		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0930158501		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0707375415		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0388007370		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0475617019		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0688663791		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0902260454		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0617386511		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0267572469		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0290791026		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0164543000		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0202441613		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0289292446		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0365530848		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0617986787		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0496740217		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0917131732		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0926035927		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0603795050		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0032308265		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0526040098		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0448045178		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0417818039		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0237859061		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0744499361		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0175902539		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0087867838		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0970818417		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0132083552		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0864403324		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0305255025		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0357907958		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0882156006		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0389550109		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0950955298		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0617718950		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0817980164		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0341455011		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0334588786		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0146430692		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0016426301		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0502063980		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0047501038		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0063703620		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0205194025		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0215441392		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0629151148		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0133938555		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0598841281		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0568261939		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0763457022		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0928929046		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0197658429		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0821567263		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0692343551		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0358557373		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0001442055		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0646168920		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0656643622		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0909799015		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0435065781		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0304112440		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0892599109		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0598221185		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0155313978		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0435667839		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0316303659		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0467567734		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0235567649		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0934501608		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0568327749		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0636990742		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0987410312		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0356225648		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0929898885		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0331302840		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0567431813		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0772792638		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0611439570		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0880615284		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0286395358		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0727102781		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0091999898		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0084932463		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0498176253		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0868414709		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0398810574		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0492401808		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0855405900		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0221165349		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0229239392		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0465953484		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0088333501		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0210509784		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0043528627		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0714439402		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0256793336		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0172307711		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0320395059		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0423170417		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0387718274		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0170383070		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0925636422		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0319401242		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0923847944		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0686019166		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0935256896		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0316110307		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0734205882		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0700365699		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0235654953		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0314535807		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0657678689		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0159998015		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0172474857		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0696046690		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0091008709		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0955989134		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0848995684		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0509443395		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0269025572		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0572597962		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0209961006		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0406175777		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0326355267		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0534859575		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0892350963		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0375940135		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0701821800		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0616325002		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0073034805		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0231334101		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0725630557		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0068430033		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0559278351		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0831230243		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0596771914		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0267811530		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0069119873		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0060601564		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0803735263		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0290935180		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0698008705		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0435933950		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0722444184		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0911493224		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0805203628		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0569117909		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0453397647		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0205726976		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0356104488		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0706815855		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0505002330		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0149368455		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0782961994		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0892192051	02/07/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0203802152		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0955156588		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0481098853		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0391328966	08/03/2020	XXXXXX	XXXXXX	-21.72%	12/22/2020	XXXXXX	XXXXXX	-15.52%		$0.00	$0.00	0.00%
0962810216		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0460511689		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0028477011		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0594005576		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0669124532		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0517855345		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0029264920		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0008280028		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0939621352		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0650512691		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0008293269		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0905610877		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0498048106		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0311712614		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0297718166		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0399149633		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0596861615		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0505400757		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0227320863		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0237603193		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0078557540		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0595318540		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0710942108		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0590004680		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0799073100		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0826108892		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0319963789		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0714739945		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0653687659		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0370111594		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0195700153		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0392919710		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0279010260		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0692927227		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0455781406		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0227172047		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0323048408		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0535604744		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0849998169		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0062148837		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0433817330		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0838218787		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0388688654		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0334422712		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0070584510		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0901435205		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0722953477		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0914250216		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0781340231		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0548873977		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0789937139		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0141674452		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0708733554		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0478749220		$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%
0264928705		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0423819313		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0947043588		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0921327304		$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%
0578003446		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0334333278		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0479955912		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0059353931		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0297939688		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0010826823		$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%
0374926914		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0166671017		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0331703728		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0500160486		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0087401493		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0934604695		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0123683594		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0171698680		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0777507334		$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%
0087079366		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0411115272	09/11/2020	XXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0552582570		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0831923509		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0566235119		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0258571462		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0674517418		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0598747092		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0308346631		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0198209562		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0852578705		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0181469741		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0172973631		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0195260056		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0979354282		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0902479734		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0448449905		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0318929563		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0419254311		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0083431261		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0176464215		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0643755415		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0391030430		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0596751492		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0133806802		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0810627045		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0627907732		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0432132209		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0314944184		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0841719747		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0323637836		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0253839394		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0165073789		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0210642526		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0672271657		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0902640178		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0892324179		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0778038727		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0928569869		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0871667533		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0702702409		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0217297674		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0846348091		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0371702040		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0016883835		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0835308027		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0951877372		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0136671540		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0698674168		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0727541843		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0225220355		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0047162086		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0486972146		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0732354163		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0828386484		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0647644232		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0038224148		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0907456397		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0214086633		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0112876272		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0482713964		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0421931063		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0713178371		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0257860964		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0938822959		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0616406934		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0757775016		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0214703126		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0827711180		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0826698707		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%

	2055 Ext Only (Mar 05)				BPO (Broker Price Opinion)
Alt Loan Number	Report Date	Report Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)
0891830542		$0.00	0	0.00%		$0.00	$0.00	0.00%
0358266475		$0.00	0	0.00%		$0.00	$0.00	0.00%
0445009472		$0.00	0	0.00%		$0.00	$0.00	0.00%
0565792248		$0.00	0	0.00%		$0.00	$0.00	0.00%
0989559892		$0.00	0	0.00%		$0.00	$0.00	0.00%
0172102535		$0.00	0	0.00%		$0.00	$0.00	0.00%
0234789318		$0.00	0	0.00%		$0.00	$0.00	0.00%
0167511513		$0.00	0	0.00%		$0.00	$0.00	0.00%
0188994424		$0.00	0	0.00%		$0.00	$0.00	0.00%
0278458811		$0.00	0	0.00%		$0.00	$0.00	0.00%
0276605721		$0.00	0	0.00%		$0.00	$0.00	0.00%
0979650819		$0.00	0	0.00%		$0.00	$0.00	0.00%
0805840121		$0.00	0	0.00%		$0.00	$0.00	0.00%
0894886858		$0.00	0	0.00%		$0.00	$0.00	0.00%
0762387763		$0.00	0	0.00%		$0.00	$0.00	0.00%
0688514980		$0.00	0	0.00%		$0.00	$0.00	0.00%
0742242406		$0.00	0	0.00%		$0.00	$0.00	0.00%
0404547058		$0.00	0	0.00%		$0.00	$0.00	0.00%
0638297842		$0.00	0	0.00%		$0.00	$0.00	0.00%
0746298925		$0.00	0	0.00%		$0.00	$0.00	0.00%
0863486295		$0.00	0	0.00%		$0.00	$0.00	0.00%
0340006234		$0.00	0	0.00%		$0.00	$0.00	0.00%
0404943214		$0.00	0	0.00%		$0.00	$0.00	0.00%
0930158501		$0.00	0	0.00%		$0.00	$0.00	0.00%
0707375415		$0.00	0	0.00%		$0.00	$0.00	0.00%
0388007370		$0.00	0	0.00%		$0.00	$0.00	0.00%
0475617019		$0.00	0	0.00%		$0.00	$0.00	0.00%
0688663791		$0.00	0	0.00%		$0.00	$0.00	0.00%
0902260454		$0.00	0	0.00%		$0.00	$0.00	0.00%
0617386511		$0.00	0	0.00%		$0.00	$0.00	0.00%
0267572469		$0.00	0	0.00%		$0.00	$0.00	0.00%
0290791026		$0.00	0	0.00%		$0.00	$0.00	0.00%
0164543000		$0.00	0	0.00%		$0.00	$0.00	0.00%
0202441613		$0.00	0	0.00%		$0.00	$0.00	0.00%
0289292446		$0.00	0	0.00%		$0.00	$0.00	0.00%
0365530848		$0.00	0	0.00%		$0.00	$0.00	0.00%
0617986787		$0.00	0	0.00%		$0.00	$0.00	0.00%
0496740217		$0.00	0	0.00%		$0.00	$0.00	0.00%
0917131732		$0.00	0	0.00%		$0.00	$0.00	0.00%
0926035927		$0.00	0	0.00%		$0.00	$0.00	0.00%
0603795050		$0.00	0	0.00%		$0.00	$0.00	0.00%
0032308265		$0.00	0	0.00%		$0.00	$0.00	0.00%
0526040098		$0.00	0	0.00%		$0.00	$0.00	0.00%
0448045178		$0.00	0	0.00%		$0.00	$0.00	0.00%
0417818039		$0.00	0	0.00%		$0.00	$0.00	0.00%
0237859061		$0.00	0	0.00%		$0.00	$0.00	0.00%
0744499361		$0.00	0	0.00%		$0.00	$0.00	0.00%
0175902539		$0.00	0	0.00%		$0.00	$0.00	0.00%
0087867838		$0.00	0	0.00%		$0.00	$0.00	0.00%
0970818417		$0.00	0	0.00%		$0.00	$0.00	0.00%
0132083552		$0.00	0	0.00%		$0.00	$0.00	0.00%
0864403324		$0.00	0	0.00%		$0.00	$0.00	0.00%
0305255025		$0.00	0	0.00%		$0.00	$0.00	0.00%
0357907958		$0.00	0	0.00%		$0.00	$0.00	0.00%
0882156006		$0.00	0	0.00%		$0.00	$0.00	0.00%
0389550109		$0.00	0	0.00%		$0.00	$0.00	0.00%
0950955298		$0.00	0	0.00%		$0.00	$0.00	0.00%
0617718950		$0.00	0	0.00%		$0.00	$0.00	0.00%
0817980164		$0.00	0	0.00%		$0.00	$0.00	0.00%
0341455011		$0.00	0	0.00%		$0.00	$0.00	0.00%
0334588786		$0.00	0	0.00%		$0.00	$0.00	0.00%
0146430692		$0.00	0	0.00%		$0.00	$0.00	0.00%
0016426301		$0.00	0	0.00%		$0.00	$0.00	0.00%
0502063980		$0.00	0	0.00%		$0.00	$0.00	0.00%
0047501038		$0.00	0	0.00%		$0.00	$0.00	0.00%
0063703620		$0.00	0	0.00%		$0.00	$0.00	0.00%
0205194025		$0.00	0	0.00%		$0.00	$0.00	0.00%
0215441392		$0.00	0	0.00%		$0.00	$0.00	0.00%
0629151148		$0.00	0	0.00%		$0.00	$0.00	0.00%
0133938555		$0.00	0	0.00%		$0.00	$0.00	0.00%
0598841281		$0.00	0	0.00%		$0.00	$0.00	0.00%
0568261939		$0.00	0	0.00%		$0.00	$0.00	0.00%
0763457022		$0.00	0	0.00%		$0.00	$0.00	0.00%
0928929046		$0.00	0	0.00%		$0.00	$0.00	0.00%
0197658429		$0.00	0	0.00%		$0.00	$0.00	0.00%
0821567263		$0.00	0	0.00%		$0.00	$0.00	0.00%
0692343551		$0.00	0	0.00%		$0.00	$0.00	0.00%
0358557373		$0.00	0	0.00%		$0.00	$0.00	0.00%
0001442055		$0.00	0	0.00%		$0.00	$0.00	0.00%
0646168920		$0.00	0	0.00%		$0.00	$0.00	0.00%
0656643622		$0.00	0	0.00%		$0.00	$0.00	0.00%
0909799015		$0.00	0	0.00%		$0.00	$0.00	0.00%
0435065781		$0.00	0	0.00%		$0.00	$0.00	0.00%
0304112440		$0.00	0	0.00%		$0.00	$0.00	0.00%
0892599109		$0.00	0	0.00%		$0.00	$0.00	0.00%
0598221185		$0.00	0	0.00%		$0.00	$0.00	0.00%
0155313978		$0.00	0	0.00%		$0.00	$0.00	0.00%
0435667839		$0.00	0	0.00%		$0.00	$0.00	0.00%
0316303659		$0.00	0	0.00%		$0.00	$0.00	0.00%
0467567734		$0.00	0	0.00%		$0.00	$0.00	0.00%
0235567649		$0.00	0	0.00%		$0.00	$0.00	0.00%
0934501608		$0.00	0	0.00%		$0.00	$0.00	0.00%
0568327749		$0.00	0	0.00%		$0.00	$0.00	0.00%
0636990742		$0.00	0	0.00%		$0.00	$0.00	0.00%
0987410312		$0.00	0	0.00%		$0.00	$0.00	0.00%
0356225648		$0.00	0	0.00%		$0.00	$0.00	0.00%
0929898885		$0.00	0	0.00%		$0.00	$0.00	0.00%
0331302840		$0.00	0	0.00%		$0.00	$0.00	0.00%
0567431813		$0.00	0	0.00%		$0.00	$0.00	0.00%
0772792638		$0.00	0	0.00%		$0.00	$0.00	0.00%
0611439570		$0.00	0	0.00%		$0.00	$0.00	0.00%
0880615284		$0.00	0	0.00%		$0.00	$0.00	0.00%
0286395358		$0.00	0	0.00%		$0.00	$0.00	0.00%
0727102781		$0.00	0	0.00%		$0.00	$0.00	0.00%
0091999898		$0.00	0	0.00%		$0.00	$0.00	0.00%
0084932463		$0.00	0	0.00%		$0.00	$0.00	0.00%
0498176253		$0.00	0	0.00%		$0.00	$0.00	0.00%
0868414709		$0.00	0	0.00%		$0.00	$0.00	0.00%
0398810574		$0.00	0	0.00%		$0.00	$0.00	0.00%
0492401808		$0.00	0	0.00%		$0.00	$0.00	0.00%
0855405900		$0.00	0	0.00%		$0.00	$0.00	0.00%
0221165349		$0.00	0	0.00%		$0.00	$0.00	0.00%
0229239392		$0.00	0	0.00%		$0.00	$0.00	0.00%
0465953484		$0.00	0	0.00%		$0.00	$0.00	0.00%
0088333501		$0.00	0	0.00%		$0.00	$0.00	0.00%
0210509784		$0.00	0	0.00%		$0.00	$0.00	0.00%
0043528627		$0.00	0	0.00%		$0.00	$0.00	0.00%
0714439402		$0.00	0	0.00%		$0.00	$0.00	0.00%
0256793336		$0.00	0	0.00%		$0.00	$0.00	0.00%
0172307711		$0.00	0	0.00%		$0.00	$0.00	0.00%
0320395059		$0.00	0	0.00%		$0.00	$0.00	0.00%
0423170417		$0.00	0	0.00%		$0.00	$0.00	0.00%
0387718274		$0.00	0	0.00%		$0.00	$0.00	0.00%
0170383070		$0.00	0	0.00%		$0.00	$0.00	0.00%
0925636422		$0.00	0	0.00%		$0.00	$0.00	0.00%
0319401242		$0.00	0	0.00%		$0.00	$0.00	0.00%
0923847944		$0.00	0	0.00%		$0.00	$0.00	0.00%
0686019166		$0.00	0	0.00%		$0.00	$0.00	0.00%
0935256896		$0.00	0	0.00%		$0.00	$0.00	0.00%
0316110307		$0.00	0	0.00%		$0.00	$0.00	0.00%
0734205882		$0.00	0	0.00%		$0.00	$0.00	0.00%
0700365699		$0.00	0	0.00%		$0.00	$0.00	0.00%
0235654953		$0.00	0	0.00%		$0.00	$0.00	0.00%
0314535807		$0.00	0	0.00%		$0.00	$0.00	0.00%
0657678689		$0.00	0	0.00%		$0.00	$0.00	0.00%
0159998015		$0.00	0	0.00%		$0.00	$0.00	0.00%
0172474857		$0.00	0	0.00%		$0.00	$0.00	0.00%
0696046690		$0.00	0	0.00%		$0.00	$0.00	0.00%
0091008709		$0.00	0	0.00%		$0.00	$0.00	0.00%
0955989134		$0.00	0	0.00%		$0.00	$0.00	0.00%
0848995684		$0.00	0	0.00%		$0.00	$0.00	0.00%
0509443395		$0.00	0	0.00%		$0.00	$0.00	0.00%
0269025572		$0.00	0	0.00%		$0.00	$0.00	0.00%
0572597962		$0.00	0	0.00%		$0.00	$0.00	0.00%
0209961006		$0.00	0	0.00%		$0.00	$0.00	0.00%
0406175777		$0.00	0	0.00%		$0.00	$0.00	0.00%
0326355267		$0.00	0	0.00%		$0.00	$0.00	0.00%
0534859575		$0.00	0	0.00%		$0.00	$0.00	0.00%
0892350963		$0.00	0	0.00%		$0.00	$0.00	0.00%
0375940135		$0.00	0	0.00%		$0.00	$0.00	0.00%
0701821800		$0.00	0	0.00%		$0.00	$0.00	0.00%
0616325002		$0.00	0	0.00%		$0.00	$0.00	0.00%
0073034805		$0.00	0	0.00%		$0.00	$0.00	0.00%
0231334101		$0.00	0	0.00%		$0.00	$0.00	0.00%
0725630557		$0.00	0	0.00%		$0.00	$0.00	0.00%
0068430033		$0.00	0	0.00%		$0.00	$0.00	0.00%
0559278351		$0.00	0	0.00%		$0.00	$0.00	0.00%
0831230243		$0.00	0	0.00%		$0.00	$0.00	0.00%
0596771914		$0.00	0	0.00%		$0.00	$0.00	0.00%
0267811530		$0.00	0	0.00%		$0.00	$0.00	0.00%
0069119873		$0.00	0	0.00%		$0.00	$0.00	0.00%
0060601564		$0.00	0	0.00%		$0.00	$0.00	0.00%
0803735263		$0.00	0	0.00%		$0.00	$0.00	0.00%
0290935180		$0.00	0	0.00%		$0.00	$0.00	0.00%
0698008705		$0.00	0	0.00%		$0.00	$0.00	0.00%
0435933950		$0.00	0	0.00%		$0.00	$0.00	0.00%
0722444184		$0.00	0	0.00%		$0.00	$0.00	0.00%
0911493224		$0.00	0	0.00%		$0.00	$0.00	0.00%
0805203628		$0.00	0	0.00%		$0.00	$0.00	0.00%
0569117909		$0.00	0	0.00%		$0.00	$0.00	0.00%
0453397647		$0.00	0	0.00%		$0.00	$0.00	0.00%
0205726976		$0.00	0	0.00%		$0.00	$0.00	0.00%
0356104488		$0.00	0	0.00%		$0.00	$0.00	0.00%
0706815855		$0.00	0	0.00%		$0.00	$0.00	0.00%
0505002330		$0.00	0	0.00%		$0.00	$0.00	0.00%
0149368455		$0.00	0	0.00%		$0.00	$0.00	0.00%
0782961994		$0.00	0	0.00%		$0.00	$0.00	0.00%
0892192051		$0.00	0	0.00%		$0.00	$0.00	0.00%
0203802152		$0.00	0	0.00%		$0.00	$0.00	0.00%
0955156588		$0.00	0	0.00%		$0.00	$0.00	0.00%
0481098853		$0.00	0	0.00%		$0.00	$0.00	0.00%
0391328966		$0.00	0	0.00%		$0.00	$0.00	0.00%
0962810216		$0.00	0	0.00%		$0.00	$0.00	0.00%
0460511689		$0.00	0	0.00%		$0.00	$0.00	0.00%
0028477011		$0.00	0	0.00%		$0.00	$0.00	0.00%
0594005576		$0.00	0	0.00%		$0.00	$0.00	0.00%
0669124532		$0.00	0	0.00%		$0.00	$0.00	0.00%
0517855345		$0.00	0	0.00%		$0.00	$0.00	0.00%
0029264920		$0.00	0	0.00%		$0.00	$0.00	0.00%
0008280028		$0.00	0	0.00%		$0.00	$0.00	0.00%
0939621352		$0.00	0	0.00%		$0.00	$0.00	0.00%
0650512691		$0.00	0	0.00%		$0.00	$0.00	0.00%
0008293269		$0.00	0	0.00%		$0.00	$0.00	0.00%
0905610877		$0.00	0	0.00%		$0.00	$0.00	0.00%
0498048106		$0.00	0	0.00%		$0.00	$0.00	0.00%
0311712614		$0.00	0	0.00%		$0.00	$0.00	0.00%
0297718166		$0.00	0	0.00%		$0.00	$0.00	0.00%
0399149633		$0.00	0	0.00%		$0.00	$0.00	0.00%
0596861615		$0.00	0	0.00%		$0.00	$0.00	0.00%
0505400757		$0.00	0	0.00%		$0.00	$0.00	0.00%
0227320863		$0.00	0	0.00%		$0.00	$0.00	0.00%
0237603193		$0.00	0	0.00%		$0.00	$0.00	0.00%
0078557540		$0.00	0	0.00%		$0.00	$0.00	0.00%
0595318540		$0.00	0	0.00%		$0.00	$0.00	0.00%
0710942108		$0.00	0	0.00%		$0.00	$0.00	0.00%
0590004680		$0.00	0	0.00%		$0.00	$0.00	0.00%
0799073100		$0.00	0	0.00%		$0.00	$0.00	0.00%
0826108892		$0.00	0	0.00%		$0.00	$0.00	0.00%
0319963789		$0.00	0	0.00%		$0.00	$0.00	0.00%
0714739945		$0.00	0	0.00%		$0.00	$0.00	0.00%
0653687659		$0.00	0	0.00%		$0.00	$0.00	0.00%
0370111594		$0.00	0	0.00%		$0.00	$0.00	0.00%
0195700153		$0.00	0	0.00%		$0.00	$0.00	0.00%
0392919710		$0.00	0	0.00%		$0.00	$0.00	0.00%
0279010260		$0.00	0	0.00%		$0.00	$0.00	0.00%
0692927227		$0.00	0	0.00%		$0.00	$0.00	0.00%
0455781406		$0.00	0	0.00%		$0.00	$0.00	0.00%
0227172047		$0.00	0	0.00%		$0.00	$0.00	0.00%
0323048408		$0.00	0	0.00%		$0.00	$0.00	0.00%
0535604744		$0.00	0	0.00%		$0.00	$0.00	0.00%
0849998169		$0.00	0	0.00%		$0.00	$0.00	0.00%
0062148837		$0.00	0	0.00%		$0.00	$0.00	0.00%
0433817330		$0.00	0	0.00%		$0.00	$0.00	0.00%
0838218787		$0.00	0	0.00%		$0.00	$0.00	0.00%
0388688654		$0.00	0	0.00%		$0.00	$0.00	0.00%
0334422712		$0.00	0	0.00%		$0.00	$0.00	0.00%
0070584510		$0.00	0	0.00%		$0.00	$0.00	0.00%
0901435205		$0.00	0	0.00%		$0.00	$0.00	0.00%
0722953477		$0.00	0	0.00%		$0.00	$0.00	0.00%
0914250216		$0.00	0	0.00%		$0.00	$0.00	0.00%
0781340231		$0.00	0	0.00%		$0.00	$0.00	0.00%
0548873977		$0.00	0	0.00%		$0.00	$0.00	0.00%
0789937139		$0.00	0	0.00%		$0.00	$0.00	0.00%
0141674452		$0.00	0	0.00%		$0.00	$0.00	0.00%
0708733554		$0.00	0	0.00%		$0.00	$0.00	0.00%
0478749220		$0.00	0	0.00%		$0.00	$0.00	0.00%
0327241907		$0.00	0	0.00%		$0.00	$0.00	0.00%
0264928705		$0.00	0	0.00%		$0.00	$0.00	0.00%
0423819313		$0.00	0	0.00%		$0.00	$0.00	0.00%
0947043588		$0.00	0	0.00%		$0.00	$0.00	0.00%
0921327304		$0.00	0	0.00%		$0.00	$0.00	0.00%
0047160022		$0.00	0	0.00%		$0.00	$0.00	0.00%
0578003446		$0.00	0	0.00%		$0.00	$0.00	0.00%
0334333278		$0.00	0	0.00%		$0.00	$0.00	0.00%
0479955912		$0.00	0	0.00%		$0.00	$0.00	0.00%
0059353931		$0.00	0	0.00%		$0.00	$0.00	0.00%
0297939688		$0.00	0	0.00%		$0.00	$0.00	0.00%
0010826823		$0.00	0	0.00%		$0.00	$0.00	0.00%
0224364000		$0.00	0	0.00%		$0.00	$0.00	0.00%
0374926914		$0.00	0	0.00%		$0.00	$0.00	0.00%
0166671017		$0.00	0	0.00%		$0.00	$0.00	0.00%
0331703728		$0.00	0	0.00%		$0.00	$0.00	0.00%
0500160486		$0.00	0	0.00%		$0.00	$0.00	0.00%
0087401493		$0.00	0	0.00%		$0.00	$0.00	0.00%
0934604695		$0.00	0	0.00%		$0.00	$0.00	0.00%
0123683594		$0.00	0	0.00%		$0.00	$0.00	0.00%
0171698680		$0.00	0	0.00%		$0.00	$0.00	0.00%
0777507334		$0.00	0	0.00%		$0.00	$0.00	0.00%
0224787836		$0.00	0	0.00%		$0.00	$0.00	0.00%
0087079366		$0.00	0	0.00%		$0.00	$0.00	0.00%
0411115272		$0.00	0	0.00%		$0.00	$0.00	0.00%
0552582570		$0.00	0	0.00%		$0.00	$0.00	0.00%
0831923509		$0.00	0	0.00%		$0.00	$0.00	0.00%
0566235119		$0.00	0	0.00%		$0.00	$0.00	0.00%
0258571462		$0.00	0	0.00%		$0.00	$0.00	0.00%
0674517418		$0.00	0	0.00%		$0.00	$0.00	0.00%
0598747092		$0.00	0	0.00%		$0.00	$0.00	0.00%
0308346631		$0.00	0	0.00%		$0.00	$0.00	0.00%
0198209562		$0.00	0	0.00%		$0.00	$0.00	0.00%
0852578705		$0.00	0	0.00%		$0.00	$0.00	0.00%
0181469741		$0.00	0	0.00%		$0.00	$0.00	0.00%
0172973631		$0.00	0	0.00%		$0.00	$0.00	0.00%
0195260056		$0.00	0	0.00%		$0.00	$0.00	0.00%
0979354282		$0.00	0	0.00%		$0.00	$0.00	0.00%
0902479734		$0.00	0	0.00%		$0.00	$0.00	0.00%
0448449905		$0.00	0	0.00%		$0.00	$0.00	0.00%
0318929563		$0.00	0	0.00%		$0.00	$0.00	0.00%
0419254311		$0.00	0	0.00%		$0.00	$0.00	0.00%
0083431261		$0.00	0	0.00%		$0.00	$0.00	0.00%
0176464215		$0.00	0	0.00%		$0.00	$0.00	0.00%
0643755415		$0.00	0	0.00%		$0.00	$0.00	0.00%
0391030430		$0.00	0	0.00%		$0.00	$0.00	0.00%
0596751492		$0.00	0	0.00%		$0.00	$0.00	0.00%
0133806802		$0.00	0	0.00%		$0.00	$0.00	0.00%
0810627045		$0.00	0	0.00%		$0.00	$0.00	0.00%
0627907732		$0.00	0	0.00%		$0.00	$0.00	0.00%
0432132209		$0.00	0	0.00%		$0.00	$0.00	0.00%
0314944184		$0.00	0	0.00%		$0.00	$0.00	0.00%
0841719747		$0.00	0	0.00%		$0.00	$0.00	0.00%
0323637836		$0.00	0	0.00%		$0.00	$0.00	0.00%
0253839394		$0.00	0	0.00%		$0.00	$0.00	0.00%
0165073789		$0.00	0	0.00%		$0.00	$0.00	0.00%
0210642526		$0.00	0	0.00%		$0.00	$0.00	0.00%
0672271657		$0.00	0	0.00%		$0.00	$0.00	0.00%
0902640178		$0.00	0	0.00%		$0.00	$0.00	0.00%
0892324179		$0.00	0	0.00%		$0.00	$0.00	0.00%
0778038727		$0.00	0	0.00%		$0.00	$0.00	0.00%
0928569869		$0.00	0	0.00%		$0.00	$0.00	0.00%
0871667533		$0.00	0	0.00%		$0.00	$0.00	0.00%
0702702409		$0.00	0	0.00%		$0.00	$0.00	0.00%
0217297674		$0.00	0	0.00%		$0.00	$0.00	0.00%
0846348091		$0.00	0	0.00%		$0.00	$0.00	0.00%
0371702040		$0.00	0	0.00%		$0.00	$0.00	0.00%
0016883835		$0.00	0	0.00%		$0.00	$0.00	0.00%
0835308027		$0.00	0	0.00%		$0.00	$0.00	0.00%
0951877372		$0.00	0	0.00%		$0.00	$0.00	0.00%
0136671540		$0.00	0	0.00%		$0.00	$0.00	0.00%
0698674168		$0.00	0	0.00%		$0.00	$0.00	0.00%
0727541843		$0.00	0	0.00%		$0.00	$0.00	0.00%
0225220355		$0.00	0	0.00%		$0.00	$0.00	0.00%
0047162086		$0.00	0	0.00%		$0.00	$0.00	0.00%
0486972146		$0.00	0	0.00%		$0.00	$0.00	0.00%
0732354163		$0.00	0	0.00%		$0.00	$0.00	0.00%
0828386484		$0.00	0	0.00%		$0.00	$0.00	0.00%
0647644232		$0.00	0	0.00%		$0.00	$0.00	0.00%
0038224148		$0.00	0	0.00%		$0.00	$0.00	0.00%
0907456397		$0.00	0	0.00%		$0.00	$0.00	0.00%
0214086633		$0.00	0	0.00%		$0.00	$0.00	0.00%
0112876272		$0.00	0	0.00%		$0.00	$0.00	0.00%
0482713964		$0.00	0	0.00%		$0.00	$0.00	0.00%
0421931063		$0.00	0	0.00%		$0.00	$0.00	0.00%
0713178371		$0.00	0	0.00%		$0.00	$0.00	0.00%
0257860964		$0.00	0	0.00%		$0.00	$0.00	0.00%
0938822959		$0.00	0	0.00%		$0.00	$0.00	0.00%
0616406934		$0.00	0	0.00%		$0.00	$0.00	0.00%
0757775016		$0.00	0	0.00%		$0.00	$0.00	0.00%
0214703126		$0.00	0	0.00%		$0.00	$0.00	0.00%
0827711180		$0.00	0	0.00%		$0.00	$0.00	0.00%
0826698707		$0.00	0	0.00%		$0.00	$0.00	0.00%

Alt Loan Number	Other - Valuation Type	Report Date	Value	Variance Amount	Variance (%)	CU Score	Valuation Comments
0891830542			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0358266475			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0445009472			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0565792248			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0989559892			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0172102535			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0234789318			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0167511513			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0188994424			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0278458811			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0276605721			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0979650819			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0805840121			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0894886858			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0762387763			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0688514980			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0742242406			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0404547058			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0638297842			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0746298925			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0863486295			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0340006234			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0404943214			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0930158501	Reconciliation	08/20/2020	XXXXXX	$0.00	0.00%	(No Data)	XXXXXX
0707375415			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0388007370			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0475617019			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0688663791			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0902260454			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0617386511			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0267572469			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0290791026			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0164543000			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0202441613			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0289292446			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0365530848			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0617986787			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0496740217			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0917131732			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0926035927			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0603795050			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0032308265			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0526040098			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0448045178			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0417818039			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0237859061			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0744499361			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0175902539			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0087867838			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0970818417			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0132083552			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0864403324			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0305255025			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0357907958			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0882156006			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0389550109			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0950955298			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0617718950			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0817980164			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0341455011			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0334588786			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0146430692			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0016426301			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0502063980			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0047501038			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0063703620			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0205194025			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0215441392			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0629151148			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0133938555			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0598841281			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0568261939			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0763457022			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0928929046			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0197658429			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0821567263			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0692343551			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0358557373			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0001442055			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0646168920			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0656643622			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0909799015			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0435065781			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0304112440			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0892599109			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0598221185			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0155313978			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0435667839			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0316303659			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0467567734	Reconciliation	08/20/2020	XXXXXX	XXXXXX	-3.35%	(No Data)	XXXXXX
0235567649			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0934501608			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0568327749	Reconciliation	08/24/2020	XXXXXX	XXXXXX	-6.16%	(No Data)	XXXXXX
0636990742			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0987410312			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0356225648			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0929898885			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0331302840			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0567431813			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0772792638			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0611439570			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0880615284			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0286395358			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0727102781			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0091999898			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0084932463			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0498176253			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0868414709			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0398810574			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0492401808			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0855405900			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0221165349			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0229239392			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0465953484			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0088333501			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0210509784			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0043528627			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0714439402			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0256793336			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0172307711			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0320395059			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0423170417			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0387718274			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0170383070			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0925636422			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0319401242			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0923847944			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0686019166			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0935256896			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0316110307			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0734205882			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0700365699			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0235654953			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0314535807			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0657678689			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0159998015			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0172474857			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0696046690			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0091008709			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0955989134			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0848995684			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0509443395			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0269025572			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0572597962			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0209961006			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0406175777			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0326355267			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0534859575			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0892350963			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0375940135			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0701821800			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0616325002			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0073034805			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0231334101			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0725630557			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0068430033			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0559278351	Reconciliation	09/30/2020	XXXXXX	XXXXXX	4.30%	(No Data)	XXXXXX
0831230243			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0596771914			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0267811530			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0069119873			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0060601564			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0803735263			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0290935180			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0698008705			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0435933950			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0722444184			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0911493224			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0805203628			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0569117909			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0453397647			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0205726976			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0356104488			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0706815855			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0505002330			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0149368455			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0782961994			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0892192051			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0203802152			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0955156588			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0481098853			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0391328966			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0962810216			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0460511689			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0028477011			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0594005576			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0669124532			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0517855345			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0029264920			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0008280028			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0939621352			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0650512691			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0008293269			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0905610877			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0498048106	Reconciliation	07/28/2020	XXXXXX	XXXXXX	-2.84%	(No Data)	XXXXXX
0311712614			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0297718166			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0399149633			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0596861615			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0505400757			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0227320863			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0237603193			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0078557540			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0595318540			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0710942108			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0590004680			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0799073100			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0826108892			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0319963789			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0714739945			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0653687659			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0370111594			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0195700153			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0392919710			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0279010260			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0692927227			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0455781406			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0227172047			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0323048408			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0535604744			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0849998169			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0062148837			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0433817330			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0838218787			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0388688654			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0334422712			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0070584510			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0901435205			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0722953477			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0914250216			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0781340231			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0548873977			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0789937139			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0141674452			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0708733554			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0478749220			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0327241907			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0264928705			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0423819313			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0947043588			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0921327304			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0047160022			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0578003446			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0334333278			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0479955912			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0059353931			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0297939688			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0010826823			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0224364000			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0374926914			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0166671017			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0331703728			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0500160486			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0087401493			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0934604695			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0123683594			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0171698680			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0777507334			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0224787836			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0087079366			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0411115272			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0552582570			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0831923509			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0566235119			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0258571462			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0674517418			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0598747092			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0308346631			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0198209562			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0852578705			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0181469741			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0172973631			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0195260056			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0979354282			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0902479734			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0448449905			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0318929563			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0419254311			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0083431261			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0176464215			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0643755415			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0391030430			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0596751492			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0133806802			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0810627045			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0627907732			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0432132209			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0314944184			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0841719747			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0323637836			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0253839394			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0165073789			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0210642526			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0672271657			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0902640178			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0892324179	Reconciliation	10/16/2020	XXXXXX	$0.00	0.00%	(No Data)	XXXXXX
0778038727			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0928569869			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0871667533			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0702702409			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0217297674			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0846348091			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0371702040			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0016883835			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0835308027			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0951877372			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0136671540			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0698674168			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0727541843			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0225220355			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0047162086			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0486972146			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0732354163			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0828386484			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0647644232			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0038224148			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0907456397			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0214086633			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0112876272			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0482713964			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0421931063			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0713178371			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0257860964			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0938822959			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0616406934			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0757775016			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0214703126			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0827711180			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0826698707			$0.00	$0.00	0.00%	(No Data)	XXXXXX

EX-99.5

Exhibit 99.5

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2021-RR1
Start - End Dates:	4.2017 TO 4.2021
Deal Loan Count:	329
Conditions Report 2.0
Loans in Report:	329
Loans with Conditions:	250

48 - Total Active Conditions
	1 - Material Conditions
		1 - Property Valuations Review Scope
			1 - Category: Value
	47 - Non-Material Conditions
		38 - Credit Review Scope
			3 - Category: Ability to Repay/Qualified Mortgage
			1 - Category: Application
			3 - Category: Assets
			7 - Category: Credit/Mtg History
			4 - Category: DTI
			8 - Category: Income/Employment
			2 - Category: Legal Documents
			1 - Category: LTV/CLTV
			9 - Category: Terms/Guidelines
		2 - Property Valuations Review Scope
			2 - Category: FEMA
		7 - Compliance Review Scope
			1 - Category: Compliance Manual
			1 - Category: Right of Rescission
			2 - Category: Texas Home Equity
			3 - Category: TILA/RESPA Integrated Disclosure
321 - Total Satisfied Conditions
		31 - Credit Review Scope
			3 - Category: Application
			3 - Category: Assets
			2 - Category: Credit/Mtg History
			3 - Category: DTI
			12 - Category: Income/Employment
			4 - Category: Legal Documents
			2 - Category: LTV/CLTV
			1 - Category: Terms/Guidelines
			1 - Category: Title
		33 - Property Valuations Review Scope
			2 - Category: Appraisal
			28 - Category: FEMA
			3 - Category: Value
		257 - Compliance Review Scope
			8 - Category: Ability to Repay/Qualified Mortgage
			2 - Category: Documentation
			1 - Category: RESPA
			15 - Category: Right of Rescission
			2 - Category: State Consumer Protection
			229 - Category: TILA/RESPA Integrated Disclosure
0 - Total Waived Conditions

©2021 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 2021-RR1
Start - End Dates:	4.2017 TO 4.2021
Deal Loan Count:	329
Conditions Report 2.0
Loans in Report:	329
Loans with Conditions:	250

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
0891830542	XXXXXX	PA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A
0891830542	XXXXXX	PA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A
0891830542	XXXXXX	PA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A
0891830542	XXXXXX	PA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A
0891830542	XXXXXX	PA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A
0891830542	XXXXXX	PA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A
0891830542	XXXXXX	PA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A
0891830542	XXXXXX	PA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A
0891830542	XXXXXX	PA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A
0891830542	XXXXXX	PA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A
0891830542	XXXXXX	PA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A
0891830542	XXXXXX	PA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	A
0358266475	XXXXXX	NV	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	B	B	B	B
0445009472	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0445009472	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0445009472	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0445009472	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0445009472	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0565792248	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0565792248	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0565792248	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0565792248	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0565792248	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0989559892	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
0234789318	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0167511513	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0188994424	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0188994424	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0188994424	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0278458811	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0276605721	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0979650819	XXXXXX	CA	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
0762387763	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0688514980	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0742242406	XXXXXX	NH	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A
0742242406	XXXXXX	NH	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A
0404547058	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0638297842	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0638297842	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0746298925	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0863486295	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
0404943214	XXXXXX	NJ	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0930158501	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0707375415	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0388007370	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A
0475617019	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0475617019	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0688663791	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0902260454	XXXXXX	WA	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
0267572469	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0290791026	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0290791026	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0164543000	XXXXXX	PA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0202441613	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0289292446	XXXXXX	NC	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0365530848	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0617986787	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0496740217	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0917131732	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0926035927	XXXXXX	NV	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0603795050	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0032308265	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0526040098	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0448045178	XXXXXX	UT	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0417818039	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0237859061	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0237859061	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0744499361	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0175902539	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0087867838	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0087867838	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0970818417	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0132083552	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0864403324	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0305255025	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A
0305255025	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A
0305255025	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A
0357907958	XXXXXX	CT	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0357907958	XXXXXX	CT	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0882156006	XXXXXX	NC	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0389550109	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0950955298	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0950955298	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0617718950	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0817980164	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0341455011	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0334588786	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0334588786	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0334588786	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0334588786	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0146430692	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0016426301	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0502063980	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0047501038	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0063703620	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0205194025	XXXXXX	IL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0205194025	XXXXXX	IL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0205194025	XXXXXX	IL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0205194025	XXXXXX	IL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0215441392	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0629151148	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0133938555	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A
0133938555	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A
0598841281	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0568261939	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0763457022	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0763457022	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0928929046	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A
0928929046	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	D	A	A	A
0197658429	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0821567263	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0692343551	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0358557373	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0001442055	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0001442055	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0646168920	XXXXXX	NC	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0646168920	XXXXXX	NC	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0656643622	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0656643622	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0909799015	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0909799015	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0435065781	XXXXXX	NJ	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0435065781	XXXXXX	NJ	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0435065781	XXXXXX	NJ	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0304112440	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0892599109	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0598221185	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0155313978	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0435667839	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0316303659	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0467567734	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0235567649	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0934501608	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0568327749	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	C	A
0636990742	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0987410312	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0356225648	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0356225648	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0356225648	XXXXXX	CA	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0929898885	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0331302840	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0567431813	XXXXXX	TN	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0772792638	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0611439570	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0880615284	XXXXXX	NV	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0286395358	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0727102781	XXXXXX	NV	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0091999898	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0084932463	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0498176253	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0498176253	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0868414709	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0398810574	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0492401808	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0855405900	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0221165349	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0229239392	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0229239392	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0465953484	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0088333501	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0210509784	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0043528627	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0714439402	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0714439402	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0256793336	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0172307711	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0320395059	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0423170417	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0387718274	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0170383070	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0170383070	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0925636422	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0319401242	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0923847944	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0686019166	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0686019166	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0935256896	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0316110307	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0316110307	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0734205882	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0700365699	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0235654953	XXXXXX	WI	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0314535807	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	B	B	B	B
0314535807	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	B	B	B	B
0657678689	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0159998015	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0172474857	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0696046690	XXXXXX	NV	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A
0696046690	XXXXXX	NV	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A
0091008709	XXXXXX	MD	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0955989134	XXXXXX	NJ	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0848995684	XXXXXX	MA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0509443395	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0269025572	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0572597962	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0572597962	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0209961006	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0406175777	XXXXXX	IL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	B	A	B	A
0326355267	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B
0326355267	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B
0326355267	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B
0326355267	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B
0326355267	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B
0326355267	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B
0534859575	XXXXXX	NC	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0892350963	XXXXXX	WA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0375940135	XXXXXX	CT	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0701821800	XXXXXX	MD	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	A	A
0701821800	XXXXXX	MD	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	A	A
0701821800	XXXXXX	MD	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	A	A
0616325002	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0073034805	XXXXXX	GA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0231334101	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0725630557	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0068430033	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0559278351	XXXXXX	CT	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	A	A
0559278351	XXXXXX	CT	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	A	A
0559278351	XXXXXX	CT	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	A	A
0831230243	XXXXXX	NJ	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0596771914	XXXXXX	VT	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	B	B	B	B
0267811530	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0069119873	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0060601564	XXXXXX	VA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0803735263	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0803735263	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0803735263	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0803735263	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0290935180	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0290935180	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0698008705	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0435933950	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0722444184	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	A	D	A
0722444184	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	A	D	A
0911493224	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	B	B	B	B
0805203628	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0569117909	XXXXXX	MD	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0569117909	XXXXXX	MD	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0453397647	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0453397647	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0205726976	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0356104488	XXXXXX	CT	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0706815855	XXXXXX	CO	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0505002330	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0149368455	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0782961994	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	D	B	D	B
0782961994	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	D	B	D	B
0782961994	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	D	B	D	B
0782961994	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	D	B	D	B
0782961994	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	D	B	D	B
0892192051	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0203802152	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0955156588	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0481098853	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0391328966	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	C	C	A	A
0962810216	XXXXXX	NC	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0460511689	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0028477011	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0594005576	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0669124532	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0517855345	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0029264920	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0008280028	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	B	B
0008280028	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	B	B
0939621352	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0650512691	XXXXXX	NY	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0650512691	XXXXXX	NY	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0650512691	XXXXXX	NY	QM: Safe Harbor	Non-QM: Lender documented all ATR UW factors	D	B	B	B
0008293269	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	C	B	B	B
0008293269	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	C	B	B	B
0905610877	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0498048106	XXXXXX	FL	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0311712614	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0297718166	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0399149633	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0399149633	XXXXXX	MN	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0596861615	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0505400757	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0227320863	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0237603193	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	D	A	D	A
0078557540	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0595318540	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0710942108	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0590004680	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0799073100	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0826108892	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0319963789	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0319963789	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0714739945	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0653687659	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0370111594	XXXXXX	FL	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0195700153	XXXXXX	CA	ATR Risk: Non-QM - Lender did not document all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0195700153	XXXXXX	CA	ATR Risk: Non-QM - Lender did not document all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0195700153	XXXXXX	CA	ATR Risk: Non-QM - Lender did not document all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0195700153	XXXXXX	CA	ATR Risk: Non-QM - Lender did not document all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0195700153	XXXXXX	CA	ATR Risk: Non-QM - Lender did not document all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0392919710	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0279010260	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0692927227	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0455781406	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0227172047	XXXXXX	CO	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	B	B	B	B
0227172047	XXXXXX	CO	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	B	B	B	B
0323048408	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0535604744	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0535604744	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0535604744	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	B	D	B
0849998169	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	B	B
0849998169	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	B	B
0849998169	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	B	B
0062148837	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0433817330	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0838218787	XXXXXX	NC	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0388688654	XXXXXX	OK	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0334422712	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0070584510	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0901435205	XXXXXX	IL	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0722953477	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0914250216	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A
0914250216	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A
0781340231	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0548873977	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0789937139	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0141674452	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0708733554	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0478749220	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	C	B	A	A
0327241907	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0264928705	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0423819313	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	C	A
0947043588	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0921327304	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0921327304	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0047160022	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0578003446	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0334333278	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0479955912	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0059353931	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0297939688	XXXXXX	MD	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0010826823	XXXXXX	KS	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0224364000	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0374926914	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0166671017	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0331703728	XXXXXX	AZ	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0500160486	XXXXXX	GA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0087401493	XXXXXX	NY	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0934604695	XXXXXX	NJ	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0123683594	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0171698680	XXXXXX	NY	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0777507334	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0224787836	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0087079366	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0087079366	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0411115272	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0552582570	XXXXXX	MD	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0831923509	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0566235119	XXXXXX	MN	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0258571462	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0674517418	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0598747092	XXXXXX	VA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0308346631	XXXXXX	MD	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0198209562	XXXXXX	PA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0852578705	XXXXXX	DE	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0181469741	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0181469741	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0172973631	XXXXXX	MA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0195260056	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A
0195260056	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A
0979354282	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	A	D	A
0979354282	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	D	A	D	A
0902479734	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B
0902479734	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B
0902479734	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B
0902479734	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B
0902479734	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	C	B	C	B
0448449905	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	B	A	A	A
0448449905	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	B	A	A	A
0318929563	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0318929563	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0419254311	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0083431261	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0176464215	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0643755415	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0391030430	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0596751492	XXXXXX	UT	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0133806802	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0133806802	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0810627045	XXXXXX	NV	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0627907732	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0627907732	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0432132209	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0432132209	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0314944184	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0841719747	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0323637836	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0323637836	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0253839394	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0165073789	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0210642526	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0672271657	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0902640178	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0892324179	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0892324179	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0778038727	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0778038727	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0928569869	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0871667533	XXXXXX	NC	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0702702409	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0217297674	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0217297674	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0846348091	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0846348091	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0371702040	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0371702040	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	B	B	B	B
0016883835	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0016883835	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0835308027	XXXXXX	NC	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0951877372	XXXXXX	WA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0136671540	XXXXXX	WY	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0698674168	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0727541843	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0225220355	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	B	A	A	A
0225220355	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	B	A	A	A
0047162086	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0486972146	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	A	A	A
0732354163	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	B	B
0732354163	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	C	B	B	B
0828386484	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0647644232	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0038224148	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0907456397	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0214086633	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0112876272	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0112876272	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0482713964	XXXXXX	CA	Non-QM: Lender documented all ATR UW factors	Non-QM: Lender documented all ATR UW factors	A	A	A	A
0421931063	XXXXXX	TX	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A
0713178371	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	B	B	A	A
0257860964	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0938822959	XXXXXX	CA	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0616406934	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0757775016	XXXXXX	NJ	QM: Safe Harbor	QM: Safe Harbor	C	A	A	A
0214703126	XXXXXX	OR	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0827711180	XXXXXX	CO	QM: Safe Harbor	QM: Safe Harbor	A	A	A	A
0826698707	XXXXXX	VA	QM: Safe Harbor	QM: Safe Harbor	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	Final S&P Credit Loan Grade
0891830542	C	A	D	B	D	B	D	A
0891830542	C	A	D	B	D	B	D	A
0891830542	C	A	D	B	D	B	D	A
0891830542	C	A	D	B	D	B	D	A
0891830542	C	A	D	B	D	B	D	A
0891830542	C	A	D	B	D	B	D	A
0891830542	C	A	D	B	D	B	D	A
0891830542	C	A	D	B	D	B	D	A
0891830542	C	A	D	B	D	B	D	A
0891830542	C	A	D	B	D	B	D	A
0891830542	C	A	D	B	D	B	D	A
0891830542	C	A	D	B	D	B	D	A
0358266475	A	A	A	A	B	B	B	B
0445009472	A	A	D	A	D	B	B	B
0445009472	A	A	D	A	D	B	B	B
0445009472	A	A	D	A	D	B	B	B
0445009472	A	A	D	A	D	B	B	B
0445009472	A	A	D	A	D	B	B	B
0565792248	A	A	D	A	D	B	D	B
0565792248	A	A	D	A	D	B	D	B
0565792248	A	A	D	A	D	B	D	B
0565792248	A	A	D	A	D	B	D	B
0565792248	A	A	D	A	D	B	D	B
0989559892	A	A	A	A	A	A	A	A
0172102535	A	A	A	A	A	A	A	A
0234789318	A	A	A	A	A	A	A	A
0167511513	A	A	A	A	A	A	A	A
0188994424	A	A	A	A	B	B	B	B
0188994424	A	A	A	A	B	B	B	B
0188994424	A	A	A	A	B	B	B	B
0278458811	A	A	A	A	A	A	A	A
0276605721	A	A	A	A	A	A	A	A
0979650819	A	A	A	A	A	A	A	A
0805840121	A	A	A	A	A	A	A	A
0894886858	A	A	D	A	D	A	A	A
0762387763	A	A	C	B	C	B	A	A
0688514980	A	A	A	A	A	A	A	A
0742242406	A	A	D	A	D	A	A	A
0742242406	A	A	D	A	D	A	A	A
0404547058	A	A	A	A	A	A	A	A
0638297842	C	A	A	A	C	A	A	A
0638297842	C	A	A	A	C	A	A	A
0746298925	A	A	A	A	A	A	A	A
0863486295	A	A	A	A	A	A	A	A
0340006234	A	A	C	A	C	A	A	A
0340006234	A	A	C	A	C	A	A	A
0404943214	A	A	A	A	A	A	A	A
0930158501	A	A	A	A	A	A	A	A
0707375415	A	A	A	A	A	A	A	A
0388007370	A	A	A	A	D	A	D	A
0475617019	A	A	C	B	C	B	A	A
0475617019	A	A	C	B	C	B	A	A
0688663791	A	A	A	A	A	A	A	A
0902260454	A	A	A	A	A	A	A	A
0617386511	A	A	A	A	A	A	A	A
0617386511	A	A	A	A	A	A	A	A
0267572469	A	A	A	A	A	A	A	A
0290791026	C	A	A	A	C	A	A	A
0290791026	C	A	A	A	C	A	A	A
0164543000	A	A	A	A	A	A	A	A
0202441613	A	A	C	A	C	A	A	A
0289292446	A	A	A	A	A	A	A	A
0365530848	A	A	A	A	A	A	A	A
0617986787	A	A	A	A	A	A	A	A
0496740217	A	A	A	A	A	A	A	A
0917131732	A	A	A	A	A	A	A	A
0926035927	A	A	A	A	A	A	A	A
0603795050	A	A	A	A	A	A	A	A
0032308265	A	A	A	A	A	A	A	A
0526040098	A	A	A	A	A	A	A	A
0448045178	A	A	A	A	A	A	A	A
0417818039	A	A	A	A	A	A	A	A
0237859061	A	A	A	A	A	A	A	A
0237859061	A	A	A	A	A	A	A	A
0744499361	A	A	A	A	A	A	A	A
0175902539	A	A	A	A	A	A	A	A
0087867838	A	A	A	A	A	A	A	A
0087867838	A	A	A	A	A	A	A	A
0970818417	A	A	A	A	A	A	A	A
0132083552	A	A	A	A	A	A	A	A
0864403324	A	A	A	A	A	A	A	A
0305255025	A	A	D	A	D	A	D	A
0305255025	A	A	D	A	D	A	D	A
0305255025	A	A	D	A	D	A	D	A
0357907958	A	A	A	A	A	A	A	A
0357907958	A	A	A	A	A	A	A	A
0882156006	A	A	A	A	A	A	A	A
0389550109	A	A	A	A	A	A	A	A
0950955298	A	A	C	B	C	B	A	A
0950955298	A	A	C	B	C	B	A	A
0617718950	A	A	A	A	A	A	A	A
0817980164	A	A	A	A	A	A	A	A
0341455011	A	A	A	A	A	A	A	A
0334588786	A	A	D	A	D	B	B	B
0334588786	A	A	D	A	D	B	B	B
0334588786	A	A	D	A	D	B	B	B
0334588786	A	A	D	A	D	B	B	B
0146430692	A	A	A	A	A	A	A	A
0016426301	A	A	A	A	A	A	A	A
0502063980	A	A	A	A	A	A	A	A
0047501038	A	A	A	A	A	A	A	A
0063703620	A	A	A	A	A	A	A	A
0205194025	A	A	D	A	D	B	B	B
0205194025	A	A	D	A	D	B	B	B
0205194025	A	A	D	A	D	B	B	B
0205194025	A	A	D	A	D	B	B	B
0215441392	A	A	A	A	A	A	A	A
0629151148	A	A	A	A	A	A	A	A
0133938555	A	A	A	A	D	A	D	A
0133938555	A	A	A	A	D	A	D	A
0598841281	A	A	C	B	C	B	A	A
0568261939	A	A	A	A	A	A	A	A
0763457022	A	A	A	A	A	A	A	A
0763457022	A	A	A	A	A	A	A	A
0928929046	A	A	D	A	D	A	A	A
0928929046	A	A	D	A	D	A	A	A
0197658429	A	A	A	A	A	A	A	A
0821567263	A	A	A	A	A	A	A	A
0692343551	A	A	A	A	A	A	A	A
0358557373	A	A	A	A	A	A	A	A
0001442055	A	A	A	A	A	A	A	A
0001442055	A	A	A	A	A	A	A	A
0646168920	A	A	A	A	A	A	A	A
0646168920	A	A	A	A	A	A	A	A
0656643622	A	A	A	A	B	B	B	B
0656643622	A	A	A	A	B	B	B	B
0909799015	A	A	A	A	B	B	B	B
0909799015	A	A	A	A	B	B	B	B
0435065781	A	A	A	A	D	B	D	B
0435065781	A	A	A	A	D	B	D	B
0435065781	A	A	A	A	D	B	D	B
0304112440	A	A	A	A	A	A	A	A
0892599109	A	A	A	A	A	A	A	A
0598221185	A	A	A	A	A	A	A	A
0155313978	A	A	C	B	C	B	A	A
0435667839	A	A	A	A	A	A	A	A
0316303659	A	A	A	A	A	A	A	A
0467567734	A	A	A	A	A	A	A	A
0235567649	A	A	A	A	A	A	A	A
0934501608	A	A	A	A	A	A	A	A
0568327749	A	A	A	A	C	A	C	A
0636990742	A	A	A	A	A	A	A	A
0987410312	A	A	A	A	A	A	A	A
0356225648	A	A	D	A	D	B	B	B
0356225648	A	A	D	A	D	B	B	B
0356225648	A	A	D	A	D	B	B	B
0929898885	A	A	A	A	A	A	A	A
0331302840	A	A	A	A	A	A	A	A
0567431813	A	A	A	A	A	A	A	A
0772792638	A	A	A	A	A	A	A	A
0611439570	A	A	A	A	A	A	A	A
0880615284	A	A	A	A	A	A	A	A
0286395358	A	A	A	A	A	A	A	A
0727102781	A	A	A	A	A	A	A	A
0091999898	A	A	A	A	A	A	A	A
0084932463	A	A	A	A	A	A	A	A
0498176253	A	A	A	A	B	B	B	B
0498176253	A	A	A	A	B	B	B	B
0868414709	A	A	A	A	A	A	A	A
0398810574	A	A	A	A	A	A	A	A
0492401808	A	A	A	A	A	A	A	A
0855405900	A	A	A	A	A	A	A	A
0221165349	A	A	A	A	A	A	A	A
0229239392	A	A	A	A	A	A	A	A
0229239392	A	A	A	A	A	A	A	A
0465953484	A	A	A	A	A	A	A	A
0088333501	A	A	A	A	A	A	A	A
0210509784	A	A	A	A	A	A	A	A
0043528627	A	A	A	A	A	A	A	A
0714439402	A	A	C	A	C	A	A	A
0714439402	A	A	C	A	C	A	A	A
0256793336	A	A	A	A	A	A	A	A
0172307711	C	A	A	A	C	A	A	A
0320395059	A	A	A	A	A	A	A	A
0423170417	A	A	C	B	C	B	A	A
0387718274	A	A	A	A	A	A	A	A
0170383070	A	A	A	A	A	A	A	A
0170383070	A	A	A	A	A	A	A	A
0925636422	A	A	A	A	A	A	A	A
0319401242	A	A	A	A	A	A	A	A
0923847944	A	A	A	A	A	A	A	A
0686019166	A	A	A	A	B	B	B	B
0686019166	A	A	A	A	B	B	B	B
0935256896	A	A	A	A	A	A	A	A
0316110307	A	A	C	A	C	A	A	A
0316110307	A	A	C	A	C	A	A	A
0734205882	A	A	A	A	A	A	A	A
0700365699	A	A	A	A	A	A	A	A
0235654953	A	A	A	A	A	A	A	A
0314535807	A	A	A	A	B	B	B	B
0314535807	A	A	A	A	B	B	B	B
0657678689	A	A	A	A	A	A	A	A
0159998015	C	A	A	A	C	A	A	A
0172474857	A	A	A	A	A	A	A	A
0696046690	A	A	B	B	B	B	A	A
0696046690	A	A	B	B	B	B	A	A
0091008709	A	A	A	A	A	A	A	A
0955989134	A	A	A	A	A	A	A	A
0848995684	A	A	A	A	A	A	A	A
0509443395	A	A	A	A	A	A	A	A
0269025572	A	A	A	A	A	A	A	A
0572597962	A	A	A	A	B	B	B	B
0572597962	A	A	A	A	B	B	B	B
0209961006	A	A	A	A	A	A	A	A
0406175777	A	A	A	A	B	A	B	A
0326355267	A	A	A	A	C	B	C	B
0326355267	A	A	A	A	C	B	C	B
0326355267	A	A	A	A	C	B	C	B
0326355267	A	A	A	A	C	B	C	B
0326355267	A	A	A	A	C	B	C	B
0326355267	A	A	A	A	C	B	C	B
0534859575	A	A	A	A	A	A	A	A
0892350963	A	A	A	A	A	A	A	A
0375940135	A	A	A	A	A	A	A	A
0701821800	A	A	C	B	C	B	A	A
0701821800	A	A	C	B	C	B	A	A
0701821800	A	A	C	B	C	B	A	A
0616325002	A	A	A	A	A	A	A	A
0073034805	A	A	A	A	A	A	A	A
0231334101	A	A	A	A	A	A	A	A
0725630557	A	A	A	A	A	A	A	A
0068430033	A	A	A	A	A	A	A	A
0559278351	A	A	D	B	D	B	A	A
0559278351	A	A	D	B	D	B	A	A
0559278351	A	A	D	B	D	B	A	A
0831230243	A	A	C	A	C	A	A	A
0596771914	A	A	A	A	B	B	B	B
0267811530	A	A	A	A	A	A	A	A
0069119873	A	A	A	A	A	A	A	A
0060601564	A	A	A	A	A	A	A	A
0803735263	A	A	A	A	D	B	D	B
0803735263	A	A	A	A	D	B	D	B
0803735263	A	A	A	A	D	B	D	B
0803735263	A	A	A	A	D	B	D	B
0290935180	C	A	A	A	C	A	A	A
0290935180	C	A	A	A	C	A	A	A
0698008705	A	A	A	A	A	A	A	A
0435933950	A	A	A	A	A	A	A	A
0722444184	A	A	A	A	D	A	D	A
0722444184	A	A	A	A	D	A	D	A
0911493224	A	A	A	A	B	B	B	B
0805203628	C	A	A	A	C	A	A	A
0569117909	A	A	A	A	A	A	A	A
0569117909	A	A	A	A	A	A	A	A
0453397647	A	A	A	A	A	A	A	A
0453397647	A	A	A	A	A	A	A	A
0205726976	A	A	A	A	A	A	A	A
0356104488	A	A	A	A	A	A	A	A
0706815855	A	A	A	A	A	A	A	A
0505002330	A	A	A	A	A	A	A	A
0149368455	A	A	A	A	A	A	A	A
0782961994	A	A	D	A	D	B	D	B
0782961994	A	A	D	A	D	B	D	B
0782961994	A	A	D	A	D	B	D	B
0782961994	A	A	D	A	D	B	D	B
0782961994	A	A	D	A	D	B	D	B
0892192051	C	A	A	A	C	A	A	A
0203802152	A	A	A	A	A	A	A	A
0955156588	A	A	A	A	A	A	A	A
0481098853	A	A	A	A	A	A	A	A
0391328966	C	C	A	A	C	C	A	A
0962810216	A	A	A	A	A	A	A	A
0460511689	A	A	A	A	A	A	A	A
0028477011	A	A	A	A	B	B	B	B
0594005576	A	A	A	A	B	B	B	B
0669124532	A	A	A	A	A	A	A	A
0517855345	A	A	A	A	A	A	A	A
0029264920	A	A	A	A	A	A	A	A
0008280028	A	A	C	B	C	B	B	B
0008280028	A	A	C	B	C	B	B	B
0939621352	A	A	A	A	A	A	A	A
0650512691	A	A	D	A	D	B	B	B
0650512691	A	A	D	A	D	B	B	B
0650512691	A	A	D	A	D	B	B	B
0008293269	A	A	C	A	C	B	B	B
0008293269	A	A	C	A	C	B	B	B
0905610877	A	A	A	A	A	A	A	A
0498048106	A	A	C	B	C	B	A	A
0311712614	A	A	A	A	A	A	A	A
0297718166	A	A	A	A	A	A	A	A
0399149633	A	A	A	A	A	A	A	A
0399149633	A	A	A	A	A	A	A	A
0596861615	A	A	A	A	A	A	A	A
0505400757	A	A	A	A	A	A	A	A
0227320863	A	A	A	A	A	A	A	A
0237603193	A	A	A	A	D	A	D	A
0078557540	A	A	A	A	A	A	A	A
0595318540	A	A	A	A	A	A	A	A
0710942108	A	A	A	A	A	A	A	A
0590004680	A	A	A	A	A	A	A	A
0799073100	A	A	A	A	A	A	A	A
0826108892	A	A	A	A	A	A	A	A
0319963789	C	A	A	A	C	A	A	A
0319963789	C	A	A	A	C	A	A	A
0714739945	A	A	A	A	A	A	A	A
0653687659	A	A	C	B	C	B	A	A
0370111594	A	A	A	A	A	A	A	A
0195700153	A	A	A	A	D	B	D	B
0195700153	A	A	A	A	D	B	D	B
0195700153	A	A	A	A	D	B	D	B
0195700153	A	A	A	A	D	B	D	B
0195700153	A	A	A	A	D	B	D	B
0392919710	A	A	A	A	A	A	A	A
0279010260	A	A	C	B	C	B	A	A
0692927227	A	A	A	A	A	A	A	A
0455781406	A	A	A	A	A	A	A	A
0227172047	A	A	A	A	B	B	B	B
0227172047	A	A	A	A	B	B	B	B
0323048408	A	A	A	A	A	A	A	A
0535604744	A	A	A	A	D	B	D	B
0535604744	A	A	A	A	D	B	D	B
0535604744	A	A	A	A	D	B	D	B
0849998169	C	A	A	A	C	B	B	B
0849998169	C	A	A	A	C	B	B	B
0849998169	C	A	A	A	C	B	B	B
0062148837	A	A	A	A	A	A	A	A
0433817330	A	A	A	A	A	A	A	A
0838218787	A	A	A	A	A	A	A	A
0388688654	A	A	A	A	A	A	A	A
0334422712	A	A	A	A	A	A	A	A
0070584510	A	A	C	B	C	B	A	A
0901435205	A	A	A	A	A	A	A	A
0722953477	A	A	A	A	A	A	A	A
0914250216	A	A	B	B	B	B	A	A
0914250216	A	A	B	B	B	B	A	A
0781340231	A	A	C	B	C	B	A	A
0548873977	A	A	C	B	C	B	A	A
0789937139	A	A	A	A	A	A	A	A
0141674452	A	A	C	B	C	B	A	A
0708733554	A	A	A	A	A	A	A	A
0478749220	A	A	C	B	C	B	A	A
0327241907	A	A	A	A	A	A	A	A
0264928705	A	A	A	A	A	A	A	A
0423819313	A	A	A	A	C	A	C	A
0947043588	A	A	A	A	A	A	A	A
0921327304	A	A	A	A	A	A	A	A
0921327304	A	A	A	A	A	A	A	A
0047160022	A	A	A	A	A	A	A	A
0578003446	A	A	A	A	A	A	A	A
0334333278	A	A	A	A	A	A	A	A
0479955912	A	A	A	A	A	A	A	A
0059353931	A	A	A	A	A	A	A	A
0297939688	A	A	A	A	A	A	A	A
0010826823	A	A	A	A	A	A	A	A
0224364000	A	A	A	A	A	A	A	A
0374926914	A	A	A	A	A	A	A	A
0166671017	A	A	A	A	A	A	A	A
0331703728	A	A	A	A	A	A	A	A
0500160486	A	A	A	A	A	A	A	A
0087401493	A	A	A	A	A	A	A	A
0934604695	A	A	A	A	A	A	A	A
0123683594	A	A	A	A	A	A	A	A
0171698680	A	A	A	A	A	A	A	A
0777507334	A	A	A	A	A	A	A	A
0224787836	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
0411115272	C	A	A	A	C	B	A	A
0552582570	A	A	A	A	A	A	A	A
0831923509	C	A	A	A	C	A	A	A
0566235119	A	A	A	A	A	A	A	A
0258571462	A	A	A	A	A	A	A	A
0674517418	A	A	A	A	A	A	A	A
0598747092	A	A	A	A	A	A	A	A
0308346631	A	A	A	A	A	A	A	A
0198209562	A	A	A	A	A	A	A	A
0852578705	A	A	A	A	A	A	A	A
0181469741	C	A	A	A	C	A	A	A
0181469741	C	A	A	A	C	A	A	A
0172973631	A	A	A	A	A	A	A	A
0195260056	B	B	A	A	B	B	A	A
0195260056	B	B	A	A	B	B	A	A
0979354282	A	A	A	A	D	A	D	A
0979354282	A	A	A	A	D	A	D	A
0902479734	B	B	A	A	C	B	C	B
0902479734	B	B	A	A	C	B	C	B
0902479734	B	B	A	A	C	B	C	B
0902479734	B	B	A	A	C	B	C	B
0902479734	B	B	A	A	C	B	C	B
0448449905	B	A	A	A	B	A	A	A
0448449905	B	A	A	A	B	A	A	A
0318929563	C	A	A	A	C	A	A	A
0318929563	C	A	A	A	C	A	A	A
0419254311	A	A	A	A	A	A	A	A
0083431261	C	A	A	A	C	A	A	A
0176464215	A	A	A	A	A	A	A	A
0643755415	A	A	A	A	A	A	A	A
0391030430	A	A	A	A	A	A	A	A
0596751492	A	A	A	A	A	A	A	A
0133806802	C	A	A	A	C	A	A	A
0133806802	C	A	A	A	C	A	A	A
0810627045	A	A	A	A	A	A	A	A
0627907732	C	A	A	A	C	A	A	A
0627907732	C	A	A	A	C	A	A	A
0432132209	C	A	A	A	C	A	A	A
0432132209	C	A	A	A	C	A	A	A
0314944184	A	A	C	A	C	A	A	A
0841719747	C	A	A	A	C	A	A	A
0323637836	C	A	A	A	C	A	A	A
0323637836	C	A	A	A	C	A	A	A
0253839394	A	A	A	A	A	A	A	A
0165073789	A	A	A	A	A	A	A	A
0210642526	A	A	A	A	A	A	A	A
0672271657	C	A	A	A	C	A	A	A
0902640178	C	A	A	A	C	A	A	A
0892324179	C	A	A	A	C	A	A	A
0892324179	C	A	A	A	C	A	A	A
0778038727	A	A	A	A	B	B	B	B
0778038727	A	A	A	A	B	B	B	B
0928569869	A	A	A	A	A	A	A	A
0871667533	A	A	A	A	A	A	A	A
0702702409	A	A	A	A	A	A	A	A
0217297674	C	A	A	A	C	A	A	A
0217297674	C	A	A	A	C	A	A	A
0846348091	C	A	A	A	C	A	A	A
0846348091	C	A	A	A	C	A	A	A
0371702040	A	A	A	A	B	B	B	B
0371702040	A	A	A	A	B	B	B	B
0016883835	C	A	A	A	C	A	A	A
0016883835	C	A	A	A	C	A	A	A
0835308027	A	A	A	A	A	A	A	A
0951877372	A	A	A	A	A	A	A	A
0136671540	A	A	A	A	A	A	A	A
0698674168	A	A	A	A	A	A	A	A
0727541843	A	A	A	A	A	A	A	A
0225220355	B	A	A	A	B	A	A	A
0225220355	B	A	A	A	B	A	A	A
0047162086	A	A	A	A	A	A	A	A
0486972146	A	A	C	A	C	A	A	A
0732354163	C	A	A	A	C	B	B	B
0732354163	C	A	A	A	C	B	B	B
0828386484	C	A	A	A	C	A	A	A
0647644232	A	A	A	A	A	A	A	A
0038224148	A	A	A	A	A	A	A	A
0907456397	A	A	A	A	A	A	A	A
0214086633	A	A	A	A	A	A	A	A
0112876272	C	A	A	A	C	A	A	A
0112876272	C	A	A	A	C	A	A	A
0482713964	A	A	A	A	A	A	A	A
0421931063	A	A	B	B	B	B	A	A
0713178371	A	A	B	B	B	B	A	A
0257860964	A	A	A	A	A	A	A	A
0938822959	A	A	A	A	A	A	A	A
0616406934	A	A	A	A	A	A	A	A
0757775016	A	A	C	A	C	A	A	A
0214703126	A	A	A	A	A	A	A	A
0827711180	A	A	A	A	A	A	A	A
0826698707	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
0891830542	C	B	D	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0891830542	C	B	D	B	Compliance	RESPA	Satisfied
0891830542	C	B	D	B	Compliance	Right of Rescission	Satisfied
0891830542	C	B	D	B	Compliance	TILA/RESPA Integrated Disclosure	Active
0891830542	C	B	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0891830542	C	B	D	B	Credit	Assets	Satisfied
0891830542	C	B	D	B	Credit	Credit/Mtg History	Satisfied
0891830542	C	B	D	B	Credit	Income/Employment	Satisfied
0891830542	C	B	D	B	Credit	Income/Employment	Satisfied
0891830542	C	B	D	B	Credit	Income/Employment	Satisfied
0891830542	C	B	D	B	Property Valuations	Appraisal	Satisfied
0891830542	C	B	D	B	Property Valuations	Value	Satisfied
0358266475	A	A	A	A	Credit	Income/Employment	Active
0445009472	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0445009472	A	A	D	A	Credit	Application	Active
0445009472	A	A	D	A	Credit	Assets	Satisfied
0445009472	A	A	D	A	Credit	Income/Employment	Active
0445009472	A	A	D	A	Property Valuations	Appraisal	Satisfied
0565792248	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0565792248	A	A	D	A	Credit	Income/Employment	Satisfied
0565792248	A	A	D	A	Credit	Income/Employment	Satisfied
0565792248	A	A	D	A	Credit	Legal Documents	Active
0565792248	A	A	D	A	Credit	Legal Documents	Satisfied
0989559892	A	A	A	A
0172102535	A	A	A	A
0234789318	A	A	A	A
0167511513	A	A	A	A
0188994424	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0188994424	A	A	A	A	Credit	Income/Employment	Active
0188994424	A	A	A	A	Credit	Terms/Guidelines	Active
0278458811	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0276605721	A	A	A	A
0979650819	A	A	A	A
0805840121	A	A	A	A
0894886858	A	A	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0762387763	A	A	C	B	Compliance	Right of Rescission	Satisfied
0688514980	A	A	A	A
0742242406	A	A	D	A	Compliance	Documentation	Satisfied
0742242406	A	A	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0404547058	A	A	A	A
0638297842	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0638297842	C	A	A	A	Property Valuations	FEMA	Satisfied
0746298925	A	A	A	A
0863486295	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0340006234	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0340006234	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0404943214	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0930158501	A	A	A	A
0707375415	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0388007370	A	A	A	A	Credit	Legal Documents	Satisfied
0475617019	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0475617019	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0688663791	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0902260454	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
0267572469	A	A	A	A
0290791026	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0290791026	C	A	A	A	Property Valuations	FEMA	Satisfied
0164543000	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0202441613	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0289292446	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0365530848	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0617986787	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0496740217	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0917131732	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0926035927	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0603795050	A	A	A	A
0032308265	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0526040098	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0448045178	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
0744499361	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0175902539	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0087867838	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0087867838	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0970818417	A	A	A	A
0132083552	A	A	A	A
0864403324	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
0357907958	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0357907958	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0882156006	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0389550109	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0950955298	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0950955298	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0617718950	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0817980164	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0341455011	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0334588786	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0334588786	A	A	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0334588786	A	A	D	A	Credit	Ability to Repay/Qualified Mortgage	Active
0334588786	A	A	D	A	Credit	DTI	Active
0146430692	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0016426301	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0502063980	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0047501038	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0063703620	A	A	A	A
0205194025	A	A	D	A	Compliance	State Consumer Protection	Satisfied
0205194025	A	A	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0205194025	A	A	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0205194025	A	A	D	A	Credit	Income/Employment	Active
0215441392	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0629151148	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
0598841281	A	A	C	B	Compliance	Right of Rescission	Satisfied
0568261939	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0763457022	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0763457022	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0928929046	A	A	D	A	Compliance	Documentation	Satisfied
0928929046	A	A	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0197658429	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0821567263	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0692343551	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
0646168920	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0646168920	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0656643622	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0656643622	A	A	A	A	Credit	Income/Employment	Active
0909799015	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0909799015	A	A	A	A	Credit	Credit/Mtg History	Active
0435065781	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0435065781	A	A	A	A	Credit	Income/Employment	Satisfied
0435065781	A	A	A	A	Credit	Legal Documents	Active
0304112440	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0892599109	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0598221185	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0155313978	A	A	C	B	Compliance	Right of Rescission	Satisfied
0435667839	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0316303659	A	A	A	A
0467567734	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0235567649	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0934501608	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0568327749	A	A	A	A	Credit	LTV/CLTV	Satisfied
0636990742	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0987410312	A	A	A	A
0356225648	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0356225648	A	A	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0356225648	A	A	D	A	Credit	Ability to Repay/Qualified Mortgage	Active
0929898885	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0331302840	A	A	A	A
0567431813	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0772792638	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0611439570	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0880615284	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0286395358	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0727102781	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0091999898	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0084932463	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0498176253	A	A	A	A	Credit	Assets	Active
0498176253	A	A	A	A	Credit	Terms/Guidelines	Active
0868414709	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0398810574	A	A	A	A
0492401808	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0855405900	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0221165349	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0229239392	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0229239392	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0465953484	A	A	A	A
0088333501	A	A	A	A
0210509784	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0043528627	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0714439402	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0714439402	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0256793336	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0172307711	C	A	A	A	Property Valuations	FEMA	Satisfied
0320395059	A	A	A	A
0423170417	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0387718274	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0170383070	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0170383070	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0925636422	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0319401242	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0923847944	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0686019166	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0686019166	A	A	A	A	Credit	Assets	Active
0935256896	A	A	A	A
0316110307	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0316110307	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0734205882	A	A	A	A
0700365699	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0235654953	A	A	A	A
0314535807	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0314535807	A	A	A	A	Credit	Income/Employment	Active
0657678689	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0159998015	C	A	A	A	Property Valuations	FEMA	Satisfied
0172474857	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0696046690	A	A	B	B	Compliance	Compliance Manual	Active
0696046690	A	A	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0091008709	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0955989134	A	A	A	A
0848995684	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0509443395	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0269025572	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0572597962	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0572597962	A	A	A	A	Credit	Credit/Mtg History	Active
0209961006	A	A	A	A
0406175777	A	A	A	A	Credit	Income/Employment	Satisfied
0326355267	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0326355267	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0326355267	A	A	A	A	Credit	Application	Satisfied
0326355267	A	A	A	A	Credit	Income/Employment	Satisfied
0326355267	A	A	A	A	Credit	LTV/CLTV	Satisfied
0326355267	A	A	A	A	Credit	Terms/Guidelines	Active
0534859575	A	A	A	A
0892350963	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0375940135	A	A	A	A
0701821800	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0701821800	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0701821800	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0616325002	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0073034805	A	A	A	A
0231334101	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0725630557	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0068430033	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0559278351	A	A	D	B	Compliance	Right of Rescission	Active
0559278351	A	A	D	B	Compliance	State Consumer Protection	Satisfied
0559278351	A	A	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0831230243	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0596771914	A	A	A	A	Credit	Credit/Mtg History	Active
0267811530	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0069119873	A	A	A	A
0060601564	A	A	A	A
0803735263	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0803735263	A	A	A	A	Credit	DTI	Satisfied
0803735263	A	A	A	A	Credit	Income/Employment	Satisfied
0803735263	A	A	A	A	Credit	Terms/Guidelines	Active
0290935180	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0290935180	C	A	A	A	Property Valuations	FEMA	Satisfied
0698008705	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0435933950	A	A	A	A
0722444184	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0722444184	A	A	A	A	Credit	Assets	Satisfied
0911493224	A	A	A	A	Credit	Income/Employment	Active
0805203628	C	A	A	A	Property Valuations	FEMA	Satisfied
0569117909	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0569117909	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0453397647	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0453397647	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0205726976	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0356104488	A	A	A	A
0706815855	A	A	A	A
0505002330	A	A	A	A
0149368455	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0782961994	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0782961994	A	A	D	A	Compliance	Right of Rescission	Satisfied
0782961994	A	A	D	A	Credit	Credit/Mtg History	Active
0782961994	A	A	D	A	Credit	Income/Employment	Satisfied
0782961994	A	A	D	A	Credit	Legal Documents	Satisfied
0892192051	C	A	A	A	Property Valuations	Value	Satisfied
0203802152	A	A	A	A
0955156588	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0481098853	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0391328966	C	C	A	A	Property Valuations	Value	Active
0962810216	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0460511689	A	A	A	A
0028477011	A	A	A	A	Credit	LTV/CLTV	Active
0594005576	A	A	A	A	Credit	Terms/Guidelines	Active
0669124532	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0517855345	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0029264920	A	A	A	A
0008280028	A	A	C	B	Compliance	Right of Rescission	Satisfied
0008280028	A	A	C	B	Credit	Credit/Mtg History	Active
0939621352	A	A	A	A
0650512691	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0650512691	A	A	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0650512691	A	A	D	A	Credit	Ability to Repay/Qualified Mortgage	Active
0008293269	A	A	C	A	Compliance	Right of Rescission	Satisfied
0008293269	A	A	C	A	Credit	Terms/Guidelines	Active
0905610877	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0498048106	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0311712614	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0297718166	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0399149633	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0399149633	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0596861615	A	A	A	A
0505400757	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0227320863	A	A	A	A
0237603193	A	A	A	A	Credit	Legal Documents	Satisfied
0078557540	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0595318540	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0710942108	A	A	A	A
0590004680	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0799073100	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0826108892	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0319963789	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0319963789	C	A	A	A	Property Valuations	FEMA	Satisfied
0714739945	A	A	A	A
0653687659	A	A	C	B	Compliance	Right of Rescission	Satisfied
0370111594	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0195700153	A	A	A	A	Credit	Application	Satisfied
0195700153	A	A	A	A	Credit	DTI	Active
0195700153	A	A	A	A	Credit	DTI	Satisfied
0195700153	A	A	A	A	Credit	Income/Employment	Satisfied
0195700153	A	A	A	A	Credit	Terms/Guidelines	Active
0392919710	A	A	A	A
0279010260	A	A	C	B	Compliance	Right of Rescission	Satisfied
0692927227	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0455781406	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0227172047	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0227172047	A	A	A	A	Credit	Credit/Mtg History	Active
0323048408	A	A	A	A
0535604744	A	A	A	A	Credit	DTI	Active
0535604744	A	A	A	A	Credit	DTI	Satisfied
0535604744	A	A	A	A	Credit	Terms/Guidelines	Active
0849998169	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0849998169	C	A	A	A	Credit	DTI	Active
0849998169	C	A	A	A	Property Valuations	FEMA	Satisfied
0062148837	A	A	A	A
0433817330	A	A	A	A
0838218787	A	A	A	A
0388688654	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0334422712	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0070584510	A	A	C	B	Compliance	Right of Rescission	Satisfied
0901435205	A	A	A	A
0722953477	A	A	A	A
0914250216	A	A	B	B	Compliance	Texas Home Equity	Active
0914250216	A	A	B	B	Compliance	Texas Home Equity	Active
0781340231	A	A	C	B	Compliance	Right of Rescission	Satisfied
0548873977	A	A	C	B	Compliance	Right of Rescission	Satisfied
0789937139	A	A	A	A
0141674452	A	A	C	B	Compliance	Right of Rescission	Satisfied
0708733554	A	A	A	A
0478749220	A	A	C	B	Compliance	Right of Rescission	Satisfied
0327241907	A	A	A	A
0264928705	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0423819313	A	A	A	A	Credit	Title	Satisfied
0947043588	A	A	A	A
0921327304	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0921327304	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0047160022	A	A	A	A
0578003446	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0334333278	A	A	A	A
0479955912	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0059353931	A	A	A	A
0297939688	A	A	A	A
0010826823	A	A	A	A
0224364000	A	A	A	A
0374926914	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0166671017	A	A	A	A
0331703728	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0500160486	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0087401493	A	A	A	A
0934604695	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0123683594	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0171698680	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0777507334	A	A	A	A
0224787836	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
0411115272	C	B	A	A	Property Valuations	Value	Satisfied
0552582570	A	A	A	A
0831923509	C	A	A	A	Property Valuations	FEMA	Satisfied
0566235119	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0258571462	A	A	A	A
0674517418	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0598747092	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0308346631	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0198209562	A	A	A	A
0852578705	A	A	A	A
0181469741	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0181469741	C	A	A	A	Property Valuations	FEMA	Satisfied
0172973631	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0195260056	B	B	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0195260056	B	B	A	A	Property Valuations	FEMA	Active
0979354282	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0979354282	A	A	A	A	Credit	Income/Employment	Satisfied
0902479734	B	B	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0902479734	B	B	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0902479734	B	B	A	A	Credit	Assets	Active
0902479734	B	B	A	A	Credit	Terms/Guidelines	Satisfied
0902479734	B	B	A	A	Property Valuations	FEMA	Active
0448449905	B	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0448449905	B	A	A	A	Property Valuations	FEMA	Satisfied
0318929563	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0318929563	C	A	A	A	Property Valuations	FEMA	Satisfied
0419254311	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0083431261	C	A	A	A	Property Valuations	FEMA	Satisfied
0176464215	A	A	A	A
0643755415	A	A	A	A
0391030430	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0596751492	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0133806802	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0133806802	C	A	A	A	Property Valuations	FEMA	Satisfied
0810627045	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0627907732	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0627907732	C	A	A	A	Property Valuations	FEMA	Satisfied
0432132209	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0432132209	C	A	A	A	Property Valuations	FEMA	Satisfied
0314944184	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0841719747	C	A	A	A	Property Valuations	FEMA	Satisfied
0323637836	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0323637836	C	A	A	A	Property Valuations	FEMA	Satisfied
0253839394	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0165073789	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0210642526	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0672271657	C	A	A	A	Property Valuations	FEMA	Satisfied
0902640178	C	A	A	A	Property Valuations	FEMA	Satisfied
0892324179	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0892324179	C	A	A	A	Property Valuations	FEMA	Satisfied
0778038727	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0778038727	A	A	A	A	Credit	Income/Employment	Active
0928569869	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0871667533	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0702702409	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0217297674	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0217297674	C	A	A	A	Property Valuations	FEMA	Satisfied
0846348091	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0846348091	C	A	A	A	Property Valuations	FEMA	Satisfied
0371702040	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0371702040	A	A	A	A	Credit	Credit/Mtg History	Active
0016883835	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0016883835	C	A	A	A	Property Valuations	FEMA	Satisfied
0835308027	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0951877372	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0136671540	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0698674168	A	A	A	A
0727541843	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0225220355	B	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0225220355	B	A	A	A	Property Valuations	FEMA	Satisfied
0047162086	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0486972146	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0732354163	C	A	A	A	Credit	Terms/Guidelines	Active
0732354163	C	A	A	A	Property Valuations	FEMA	Satisfied
0828386484	C	A	A	A	Property Valuations	FEMA	Satisfied
0647644232	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0038224148	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0907456397	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0214086633	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0112876272	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0112876272	C	A	A	A	Property Valuations	FEMA	Satisfied
0482713964	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0421931063	A	A	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active
0713178371	A	A	B	B	Compliance	TILA/RESPA Integrated Disclosure	Active
0257860964	A	A	A	A
0938822959	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0616406934	A	A	A	A
0757775016	A	A	C	A	Compliance	Right of Rescission	Satisfied
0214703126	A	A	A	A
0827711180	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0826698707	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
0891830542	N/A	A	N/A	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.
0891830542	B	A	B	A	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file
0891830542	D	A	D	A	CMPROR113	ROR - Missing Right of Rescission form
0891830542	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.
0891830542	B	A	B	A	CMPTRID3476	TRID - Written List of Providers not provided or untimely
0891830542	C	A	C	A	CRDAST3078	Insufficient # of months cash reserves for PITI per guideline requirements
0891830542	C	A	C	A	CRDCRMH2662	Number of mortgaged properties exceeds guideline limit
0891830542	D	A	D	A	CRDINC2408	Income verification does not meet guidelines
0891830542	D	A	D	A	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers
0891830542	D	A	D	A	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers
0891830542	A	A	A	A	PRVAAPPR3116	Missing updated valuation
0891830542	C	A	C	B	PRVAVALU153	Value Not Supported
0358266475	B	B	B	B	CRDINC2488	Verbal verification of employment missing
0445009472	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.
0445009472	B	B	B	B	CRDAPP131	Occupancy status not supported by file documentation
0445009472	B	A	B	A	CRDAST115	Cash reserves do not meet guidelines
0445009472	B	B	B	B	CRDINC2488	Verbal verification of employment missing
0445009472	A	A	A	A	PRVAAPPR3116	Missing updated valuation
0565792248	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.
0565792248	D	A	D	A	CRDINC3258	Missing Profit and Loss statement for one or more Self Employed borrowers
0565792248	D	A	D	A	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers
0565792248	B	B	B	B	CRDLGL2996	Missing Trust Documents
0565792248	B	A	B	A	CRDLGL2642	Missing proof that HELOC has been paid and closed to future draws
0989559892
0172102535
0234789318
0167511513
0188994424	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0188994424	B	B	B	B	CRDINC126	Length of employment/self-employment does not meet guidelines
0188994424	B	B	B	B	CRDTER3262	Property issues indicated
0278458811	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0276605721
0979650819
0805840121
0894886858	D	A	D	A	CMPTRID5107	TRID - Seller CD not in file; need in order to complete fee entry
0762387763	C	B	C	B	CMPROR2330	ROR - Disbursement date is before end of statutory rescission period
0688514980
0742242406	D	A	D	A	CMPDOC3276	Title document in file is incomplete
0742242406	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0404547058
0638297842	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0638297842	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0746298925
0863486295	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
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.
0404943214	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0930158501
0707375415	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0388007370	D	A	D	A	CRDLGL100	Legal document incorrect or incomplete
0475617019	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0475617019	C	B	C	B	CMPTRID3670	TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
0688663791	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0902260454	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.
0267572469
0290791026	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0290791026	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0164543000	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0202441613	C	A	C	A	CMPTRID3670	TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
0289292446	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
0617986787	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0496740217	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0917131732	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0926035927	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0603795050
0032308265	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0526040098	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0448045178	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.
0744499361	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0175902539	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0087867838	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0087867838	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0970818417
0132083552
0864403324	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)
0357907958	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0357907958	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0882156006	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0389550109	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0950955298	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0950955298	C	B	C	B	CMPTRID3955	TRID - CD: The Property Tax escrow indicator in the Projected Payments section disagrees with the Escrowed/Non-Escrowed Property Costs over Year 1 indicators in the Loan Disclosures section
0617718950	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0817980164	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0341455011	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0334588786	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.
0334588786	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0334588786	B	B	B	B	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review
0334588786	B	B	B	B	CRDDTI105	Debt Ratio Exception 5% or Less
0146430692	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0016426301	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0502063980	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0047501038	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0063703620
0205194025	D	A	D	A	CMPSTCP2057	Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
0205194025	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0205194025	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0205194025	B	B	B	B	CRDINC2496	Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0215441392	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0629151148	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
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
0598841281	C	B	C	B	CMPROR2330	ROR - Disbursement date is before end of statutory rescission period
0568261939	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0763457022	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0763457022	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0928929046	D	A	D	A	CMPDOC806	Notary Status is missing
0928929046	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0197658429	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0821567263	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0692343551
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.
0646168920	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0646168920	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0656643622	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0656643622	B	B	B	B	CRDINC2340	Employment verification does not meet guidelines
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)
0435065781	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0435065781	B	A	B	A	CRDINC2496	Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0435065781	D	B	D	B	CRDLGL4033	Missing Legal Document(s)
0304112440	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0892599109	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0598221185	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0155313978	C	B	C	B	CMPROR2330	ROR - Disbursement date is before end of statutory rescission period
0435667839	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0316303659
0467567734	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0235567649	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0934501608	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0568327749	C	A	C	A	CRDLTV3024	LTV Exceeds Guideline Requirement by less than 5%
0636990742	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0987410312
0356225648	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.
0356225648	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0356225648	B	B	B	B	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review
0929898885	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0331302840
0567431813	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0772792638	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0611439570	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0880615284	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0286395358	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0727102781	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0091999898	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0084932463	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0498176253	B	B	B	B	CRDAST115	Cash reserves do not meet guidelines
0498176253	B	B	B	B	CRDTER3262	Property issues indicated
0868414709	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0398810574
0492401808	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0855405900	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0221165349	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0229239392	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0229239392	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0465953484
0088333501
0210509784	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0043528627	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0714439402	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0714439402	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.
0256793336	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0172307711	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0320395059
0423170417	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
0387718274	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0170383070	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0170383070	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0925636422	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
0923847944	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0686019166	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0686019166	B	B	B	B	CRDAST2354	Asset Verification In File is Incomplete Per Requirements
0935256896
0316110307	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0316110307	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
0734205882
0700365699	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0235654953
0314535807	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0314535807	B	B	B	B	CRDINC2496	Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0657678689	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0159998015	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0172474857	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0696046690	B	B	B	B	CMPMAN2954	Missing Initial Escrow
0696046690	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0091008709	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0955989134
0848995684	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0509443395	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0269025572	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0572597962	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0572597962	B	B	B	B	CRDCRMH193	Length of mortgage/rental history in file does not meet guideline requirement
0209961006
0406175777	B	A	B	A	CRDINC2496	Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0326355267	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0326355267	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0326355267	C	A	C	A	CRDAPP2418	Ownership history inaccurate / incomplete
0326355267	C	A	C	A	CRDINC150	Income docs do not meet guidelines
0326355267	C	A	C	A	CRDLTV3024	LTV Exceeds Guideline Requirement by less than 5%
0326355267	B	B	B	B	CRDTER3122	Loan documents do not meet guideline requirements
0534859575
0892350963	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0375940135
0701821800	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0701821800	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0701821800	C	B	C	B	CMPTRID3676	TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
0616325002	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0073034805
0231334101	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0725630557	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0068430033	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0559278351	B	B	B	B	CMPROR1909	Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0559278351	D	A	D	A	CMPSTCP1763	CT Home Loan - Prior Loan HUD 1 Missing, unable to accurately evaluate CT same lender refi limits
0559278351	C	A	C	A	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period
0831230243	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.
0596771914	B	B	B	B	CRDCRMH120	Collections, charge offs, liens, etc. exceed guidelines
0267811530	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0069119873
0060601564
0803735263	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0803735263	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI
0803735263	C	A	C	A	CRDINC2488	Verbal verification of employment missing
0803735263	B	B	B	B	CRDTER3122	Loan documents do not meet guideline requirements
0290935180	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0290935180	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0698008705	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0435933950
0722444184	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0722444184	D	A	D	A	CRDAST2354	Asset Verification In File is Incomplete Per Requirements
0911493224	B	B	B	B	CRDINC150	Income docs do not meet guidelines
0805203628	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0569117909	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0569117909	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0453397647	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0453397647	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0205726976	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0356104488
0706815855
0505002330
0149368455	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0782961994	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.
0782961994	C	A	C	A	CMPROR1911	Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0782961994	B	B	B	B	CRDCRMH2662	Number of mortgaged properties exceeds guideline limit
0782961994	C	A	C	A	CRDINC150	Income docs do not meet guidelines
0782961994	D	A	D	A	CRDLGL2642	Missing proof that HELOC has been paid and closed to future draws
0892192051	C	A	C	A	PRVAVALU5249	Property Value Not Supported
0203802152
0955156588	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
0391328966	C	C	C	C	PRVAVALU5249	Property Value Not Supported
0962810216	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0460511689
0028477011	B	B	B	B	CRDLTV3026	LTV Exceeds Guideline Requirement by at least 5%, but less than 10%
0594005576	B	B	B	B	CRDTER3122	Loan documents do not meet guideline requirements
0669124532	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0517855345	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0029264920
0008280028	C	B	C	B	CMPROR2330	ROR - Disbursement date is before end of statutory rescission period
0008280028	B	B	B	B	CRDCRMH104	Credit score below guidelines
0939621352
0650512691	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.
0650512691	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0650512691	B	B	B	B	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review
0008293269	C	A	C	A	CMPROR1911	Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0008293269	B	B	B	B	CRDTER3122	Loan documents do not meet guideline requirements
0905610877	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
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
0311712614	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0297718166	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0399149633	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0399149633	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0596861615
0505400757	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0227320863
0237603193	D	A	D	A	CRDLGL2862	Copy of Note in file is incomplete
0078557540	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0595318540	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0710942108
0590004680	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
0826108892	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0319963789	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0319963789	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0714739945
0653687659	C	B	C	B	CMPROR2330	ROR - Disbursement date is before end of statutory rescission period
0370111594	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0195700153	C	A	C	A	CRDAPP131	Occupancy status not supported by file documentation
0195700153	B	B	B	B	CRDDTI105	Debt Ratio Exception 5% or Less
0195700153	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI
0195700153	B	A	B	A	CRDINC2496	Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0195700153	B	B	B	B	CRDTER3122	Loan documents do not meet guideline requirements
0392919710
0279010260	C	B	C	B	CMPROR2330	ROR - Disbursement date is before end of statutory rescission period
0692927227	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0455781406	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0227172047	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0227172047	B	B	B	B	CRDCRMH3000	# of Tradelines Does Not Meet Guideline Requirements
0323048408
0535604744	B	B	B	B	CRDDTI105	Debt Ratio Exception 5% or Less
0535604744	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI
0535604744	B	B	B	B	CRDTER3122	Loan documents do not meet guideline requirements
0849998169	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0849998169	B	B	B	B	CRDDTI106	Debt Ratio Exception >5% and <10%
0849998169	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0062148837
0433817330
0838218787
0388688654	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0334422712	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0070584510	C	B	C	B	CMPROR2330	ROR - Disbursement date is before end of statutory rescission period
0901435205
0722953477
0914250216	B	B	B	B	CMPTXHE320	TX Equity - Texas Equity : Missing T.42 Title Endorsement
0914250216	B	B	B	B	CMPTXHE321	TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
0781340231	C	B	C	B	CMPROR2330	ROR - Disbursement date is before end of statutory rescission period
0548873977	C	B	C	B	CMPROR2330	ROR - Disbursement date is before end of statutory rescission period
0789937139
0141674452	C	B	C	B	CMPROR2330	ROR - Disbursement date is before end of statutory rescission period
0708733554
0478749220	C	B	C	B	CMPROR2330	ROR - Disbursement date is before end of statutory rescission period
0327241907
0264928705	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0423819313	C	A	C	A	CRDTIL100	Potential title issue
0947043588
0921327304	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0921327304	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0047160022
0578003446	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0334333278
0479955912	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0059353931
0297939688
0010826823
0224364000
0374926914	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0166671017
0331703728	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0500160486	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0087401493
0934604695	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0123683594	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0171698680	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0777507334
0224787836
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.
0411115272	C	A	C	B	PRVAVALU5249	Property Value Not Supported
0552582570
0831923509	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0566235119	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0258571462
0674517418	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0598747092	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0308346631	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0198209562
0852578705
0181469741	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0181469741	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0172973631	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0195260056	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0195260056	B	B	B	B	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)
0979354282	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0979354282	D	A	D	A	CRDINC3204	Income Documentation Missing
0902479734	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0902479734	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0902479734	B	B	B	B	CRDAST115	Cash reserves do not meet guidelines
0902479734	C	A	C	A	CRDTER3122	Loan documents do not meet guideline requirements
0902479734	B	B	B	B	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)
0448449905	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0448449905	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)
0318929563	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0318929563	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0419254311	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0083431261	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0176464215
0643755415
0391030430	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0596751492	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0133806802	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0133806802	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0810627045	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0627907732	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0627907732	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0432132209	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0432132209	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0314944184	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.
0841719747	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0323637836	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0323637836	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0253839394	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0165073789	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0210642526	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0672271657	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0902640178	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0892324179	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0892324179	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0778038727	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0778038727	B	B	B	B	CRDINC2496	Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0928569869	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0871667533	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0702702409	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0217297674	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0217297674	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0846348091	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0846348091	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0371702040	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0371702040	B	B	B	B	CRDCRMH104	Credit score below guidelines
0016883835	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0016883835	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0835308027	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0951877372	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0136671540	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0698674168
0727541843	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0225220355	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0225220355	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)
0047162086	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0486972146	C	A	C	A	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period
0732354163	B	B	B	B	CRDTER3122	Loan documents do not meet guideline requirements
0732354163	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0828386484	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0647644232	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0038224148	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0907456397	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0214086633	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0112876272	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0112876272	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)
0482713964	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0421931063	B	B	B	B	CMPTRID4299	TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0713178371	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.
0257860964
0938822959	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0616406934
0757775016	C	A	C	A	CMPROR2442	Incorrect ROR Form Used - H8 for refi with same lender, 3rd Circuit state (has held H8 to be defective)
0214703126
0827711180	A	A	A	A	CMPTRID3716	TRID - Curable issue related to the Closing Disclosure in file
0826698707

Alt loan Number	Condition Material Indicator	Initial Comments	Client/Seller Response Comments
0891830542	No	1.  Missing CPA letter verifying employment for XXX. 2.  Paystubs for B2, XXX, are expired.  Need 30 day paystubs for XXX, dated within 120 days of note date. 3.  Need signed pages of tax returns for: 2014 XXX2015 1040 XXX 2014 and 2015 XXX2014 and 2015 XXX2014 and 2015 XXX2014 and 2015 XXX2014 and 2015 XXX	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.
0891830542	No	List of homeowners counseling organizations not in file	5/15/17 - HOC List provided Dated XXX
0891830542	No	Missing Right of Rescission form	5/15/17 - Signed ROR for all Borrowers Provided
0891830542	No	The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) is $XXX which does not equate to the amount based on the Reg's formula of $XXX	05.25.2017 - Lender responded that they disagree and that their Compliance Team does not validate the accuracy of the Closing Costs Financed (Paid from your Loan Amount) figure in the Calculating Cash to Close Table.  Lender stated that per CFPB Guide to loan estimate and closing disclosure forms, Closing Costs Financed (Paid from your Loan Amount) is the sum of the amounts in the Final column of the Loan Amount and Total Payoffs and Payments. However, the amount is disclosed only if the sum is greater than zero and no larger than the Total Closing Costs (deducting the amount in the Final column of Closing Costs Paid Before Closing). ( 1026.38(e)(6)).  )).  For this loan, the Closing Costs Financed (Paid from your Loan Amount) figure of $XXX (the Total Closing Costs) disclosed on the Final CD dated XXX is accurate because the Cash to Close to the borrower of $XXX exceeds the Closing Costs Paid Before Closing of $629.88.  This is not a testing defect so corrective action is not required.Exception remains.  Clayton Compliance reviewed and noted that the regulation is clear on how to determine the amount financed by the loan on the CD.  CFPB rule 1026.38(J)(4)(ii):For purposes of this paragraph (j), closing funds means funds collected and disbursed at real estate closing. If we use the example provided to use by the CFPB documents you will see the amount of Closing Cost is charges not paid with closing funds and should be removed from total of Closing cost due to already being funded. Then the New Closing cost if loan is used to fund then that amount should be disclosed in the Closing Costs Financed (paid from your Loan Amount) not to be less than $XXX.
0891830542	No	Written List of Providers not provided	5/15/17 - SPL provided Dated XXX
0891830542	No	PCL requirement is of loan amount, $XXX, due to loan exceeding # of mortgaged properties allowed over 4.  Borrower has 9 properties financed.  PCO approved exception for > 4 financed properties on a primary residence with less than 50% loan amt.  Borrower has $97,045.83 in reserves.	5.25.17 - Lender response "LVAM approved exception(s) - Reserve requirements / Post Close Liquidty (PCL) requirement and Multiple financed properties > 4. Exception(s) approved under the PCO delegated authority."
0891830542	No	PCO approved loan with greater than four properties financed.  Borrower has 9 properties financed.	5.15.17 Client rebuttal states LVAM approved exception - Multiple financed properties > 4 and subject LTV < 80%. Transaction approved under the XXX delegated authority. However, exception remains.
0891830542	No	1.  Missing CPA letter verifying employment for XXX. 2.  Paystubs for B2, XXX, are expired.  Need 30 day paystubs for XXX, dated within 120 days of note date. 3.  Need signed pages of tax returns for: 2014 1040 XXX2015 1040 XXX2014 and 2015 XXX2014 and 2015 XXX2014 and 2015 XXX2014 and 2015 XXX2014 and 2015 XXX	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy. Signed returns, P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.  Numbers 1 & 2, Employment verification, still required per guidelines.5.26.17 - Lender's rebuttal: 1- Business license (attached) verifying employment for XXX. 2- WVOE (attached) was used in lieu of obtaining updated paystub(s).
0891830542	No	Missing 2016 Profit and loss stmt, signed, for the following businesses: XXX	5.15.17 Client rebuttal Per non-conforming underwriting guidelines transactions may be considered for approval for borrowers where the current P&L and/or balance sheet is waived. However exception remains.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.
0891830542	No	Missing 2016 Balance sheet, signed, for the following businesses: XXX	Per non-conforming underwriting guidelines transactions may be considered for approval for borrowers where the current P&L and/or balance sheet is waived.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.
0891830542	No	Missing updated valuation	5.3.17 Desk Review received value indeterminate dated XXX, value not supported. Field Review recommended.
0891830542	No	5.3.17 Field Review ordered.	6.1.17 Field Review received valued at $XXX, value supported.
0358266475	No	The Borrower is XXX. The underwriter must verify employment at the time the loan is decisioned or when the documentation is reviewed. Employment needs to be verified by analyzing tax returns and financial statements. The decisioner verifies the existence of the business using one or more of, but not limited to, the following sources: Supporting documentation verifying the existence of the business,  Secretary of State website,  Regulatory agency, Contractor or professional organization, CPA, Other available resources. VVOE must be completed within 30 days from the closing date.	05.11.17 Lender provided a copy of a business entity search, however, the date/effective date of the search is missing.5.22.17 - Lender provided a rebuttal indicating they disagree.  Lender's rebuttal:"Guidelines require the lender to re-verify (document) the existence of the XXX 30 days from the closing date. Underwriting notes XXX support the verification of the borrower's business via the XXX. The loan notes are sufficient to validate the date the search was completed. No additional documentation was required." 5.26.17 Lender provided screenshot of secretary of state status, however status is in default and the license has expired 9.30.16. Provide current documentation of business verification
0445009472	No	Missing documentation, required per Appendix Q, to complete the ATR/QM status determination review:Missing the Verbal VOE within 30 days for XXX.	5.24.17 Lender provided internal comments on income, this is not verification of XXX. Exception remains, provide 3rd party evidence that each business still exists.6.19.17 Client provided updated ATR QM status as a Non QM loans
0445009472	No	Borrower purchasing a Second Home where rental properties are.  An approved exception dated XXX granting approval based on elderly parent and needs to care for.  The approved exception is noted however exception remains.	5.28.17 Lender rebuttal LVAM tracking approved - Property purchased for occupancy by direct family member. Tracking was approved under the PCO delegated authority to allow purchase of a second home in same market as other investment property owned.
0445009472	No	17.73 months PITI reserves shortfall.  The reserves of 18.27 months PITI reserves is short 17.73 months PITI reserves (18 months Subject Property Second Home, 3 additional financed properties 18 months PITI reserves).	5.28.17 Lender rebuttal Loan was closed as a second home transaction requiring 18 months post close liquidity reserves $57,975.66 ($3220.87 x 18). Total assets verified with XXX $325,542.15 less funds required to close per final Closing Disclosure $266,491.28, remaining funds of $59,050.87 available to satisfy reserve requirement. Additional reserves for other financed properties only applies if rental income used for qualifying exceeds 25% of qualifying income, or aggregate financing for all properties owned by the borrower exceeds $XXX. Neither policy is applicable for this transaction.
0445009472	No	Provide the Verbal VOE within 30 days for XXX.	5.24.17 Lender provided internal comments on income, this is not verification of XXX. Exception remains, provide 3rd party evidence that each business still exists.
0445009472	No	Missing XXX.	5/10/2017 - Desk review received with a value of $XXX. Original appraisal value supported.
0565792248	No	Missing P&L and balance sheet.	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.
0565792248	No	Missing Balance Sheet and P&L for for borrower dba XXX.	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.
0565792248	No	Missing Balance Sheet and P&L for borrower XXX.	5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.
0565792248	No	Provide the Trust Agreement for XXX dated XXX as only the Trust Cert is located in the file.	5.28.17 Lender rebuttal A Trust Agreement was not required. California has enacted a Uniform Trust Code that allows the use of a Trust Certification in lieu of the attorneys opinion letter and copies of trust documents. Please provide trust agreement.
0565792248	No	Provide evidence that XXX HELOC account ending #XXX has been closed to future draws and satisfied of record.	5.24.17 - Lender provided copy of XXX HELOC Payoff, Final CD reflecting payoff ofXXX HELOC & Final Title policy indicating no second lien or subordinate financing in place.
0989559892
0172102535
0234789318
0167511513
0188994424	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0188994424	No	Approved Lender exception for minimum length of employment for use of Bonus income. Clayton deems non-material due to the following compensating factors: Credit score 778, Credit depth on file since 2000 with 21 trade lines & 5 open with no derogatory credit, excellent mortgage history and borrower has a 2 year history of earning bonus income and new employer expects to bonus will range between $55k and $80k per letter dated 7-14-20.	(No Data)
0188994424	No	Approved Lender exception for Ineligible property type due to no closed comps with ADU. Clayton deems non-material due to the following compensating factors: Purchase price supported without the value of accessory unit and Property appears marketable.	(No Data)
0278458811	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0276605721
0979650819
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.
0762387763	No	Disbursement date of XXX on CD XXX is before end of statutory rescission period XXX on the ROR.	8.10.20 - Client responded. Agree - Per system of record funds disbursed on XXX.  PC CD with corrected disbursement date and per diem date required to remedy.  Open rescission is not required. Remediation requestedXXX - Client responded. "Disagree - Post Consummation CD with corrected disbursement and prepaid interest dates sent to borrowers on XXX.  See attached PC CD.
0688514980
0742242406	No	Title policy amount of $XXX does not match loan amount of $XXX as required by guidelines.	8.25.20 - Client responded. See attached Title Policy
0742242406	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0404547058
0638297842	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0638297842	No	No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.	10.26.20 - Property Inspection Report provided and no damage.
0746298925
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)
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)
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.
0404943214	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0930158501
0707375415	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.	(No Data)
0388007370	No	Title report indicates the property is located in a PUD and HOA fee information in file reflecting $203.39 per month. Loan closed without PUD rider to Deed of Trust. Provide Signed PUD rider to deed of trust.	3.8.21 - Client responded. Corrected Deed and PUD rider provided.
0475617019	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0475617019	No	$580.00 zero tolerance due to increase in Appraisal fee from $615 to $745 on CD XXX and addition of $450 Survey fee on CD XXX without a valid CoC.Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping.	9.2.20 - Client responded. PC CD and Refund Check sent to borrower.  See attached supporting documents.
0688663791	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0902260454	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(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)
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)
0267572469
0290791026	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0290791026	No	Declaration Date; XXX Effective Date; XXX, Clayton to order property inspection	10.26.20 - Property Inspection Report provided and no damage.
0164543000	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0202441613	No	Zero tolerance fail in the amount of $250 due to addition of subordination fee from LE XXX and CD's.  No COC was provided disclosing additional fee.  Borrower is due refund of $250, LOX, and proof of delivery required.	8.14.20 - Client responded. Disagree - The LE date issued XXX disclosed an addition of a Subordinate non XXX Lien fee in the amount of $250, with a valid change circumstance reason of HELOC to be subordinated. Date of knowledge was XXX. Meets three day timing. Copy of changed circumstance verbiage is attached. Not a testing defect. No corrective action required.
0289292446	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.	(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)
0617986787	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0496740217	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.	(No Data)
0917131732	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0926035927	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0603795050
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)
0526040098	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees 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)
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)
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)
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)
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)
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)
0175902539	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0087867838	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0087867838	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)
0970818417
0132083552
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)
0305255025	No	The loan file is missing cancelled checks to support rental payments made for November 2019 and September 2019 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.
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)
0305255025	No	The loan file is missing cancelled checks to support rental payments made for November 2019 and September 2019 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.
0357907958	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0357907958	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)
0882156006	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0389550109	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0950955298	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0950955298	No	Final CD XXX, Projected Payments, Section is Property Taxes in escrow?, option selected was "Yes". However in Loan Disclosure Section Escrowed Property Cost over Year 1 -  Property taxes are not present.PCCD required with correction to Loan disclosure section escrow property cost Year 1.	11.3.20 - Client responded. Agree - The Projected Payments table of page 1 of the Consummation CD discloses Property Taxes and Homeowner's Insurance escrow of $843.62, which also matches the escrow section on page 2 of the CD. The Loan Disclosures section on page 4 of the Consummation CD indicates the same $843.62 as the Monthly Escrow and Initial Escrow Payment. The Escrowed Property Costs over Year 1 is $10,123.44 which matches the $843.62 x 12 and includes the Property Tax cost; however, they did not list "Property Taxes" in the box that discloses the Hazard/Home Owners Insurance as included in the total. We consider this a Non-Numerical Clerical Error (NNCE) and would not typically request a new CD to correct this issue. We can request a new one if investor requires it. 11.3.20 - Clayton has reviewed and considers this a material exception therefore requires corrected PCCD. 1.11.21 - Client responded. Updated CD disclosing "County Tax" was included in the Escrowed Property Costs over Year 1 section on page 4 was sent to the borrower(s) on XXX.  See attached Post Consummation CD.
0617718950	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0817980164	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0341455011	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0334588786	No	Clayton review found income to be slightly lower at $7735 for B1 and $11,367.76 for B2. Borrower 1 income was calculated at $3750 instead of $3570 per pay period; difference of $390 per month causing DTI to be above 43%. Borrower 1 does reflect commission income but has only worked for current company 9 months therefore commission is being used as a compensating factor according to lender Underwriter.	7.21.20 - Client responded. "Agree income should have been $3570 per pay period. $3570*26/12 = $7735 mo. Total DTI would be 43.59%. However, ATR adequately supported.  Compensating factors:  1- Average of $1542 per pay period in Commissioin income not used  2- Job stability, both borrowers 6 years experience in current field  3- High residual income, $10,776 mo  4- Demonstrated savings ability, $261,781.82 in checking/savings   5- Borrower put 20%  down payment  7.21.20 - Clayton has reviewed and a QM exception cannot be downgraded with compensating factors. The loan has over a 43% DTI which is a QM issue. Does client agree this should be Non-QM and request status change. 7.22.20 - Client responded.  Please re-status as Non-QM and re-grade accordingly
0334588786	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0334588786	No	Client request to re-status as Non-QM due to DTI over 43%.	(No Data)
0334588786	No	Clayton review found income to be slightly lower at $7735 for B1 and $11,367.76 for B2. Borrower 1 income was calculated at $3750 instead of $3570 per pay period; difference of $390 per month causing DTI to be above 43%. Borrower 1 does reflect commission income but has only worked for current company 9 months therefore commission is being used as a compensating factor according to lender Underwriter.	7.21.20 - Client responded. "Agree income should have been $3570 per pay period. $3570*26/12 = $7735 mo. Total DTI would be 43.59%. However, ATR adequately supported.  Compensating factors:  1- Average of $1542 per pay period in Commissioin income not used  2- Job stability, both borrowers 6 years experience in current field  3- High residual income, $10,776 mo  4- Demonstrated savings ability, $261,781.82 in checking/savings   5- Borrower put 20%  down payment  7.21.20 - Exception is already non-material as a credit exception and will remain so.
0146430692	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0016426301	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0502063980	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0047501038	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0063703620
0205194025	No	No Cert of Compliance or Cert of Exemption in file	10.23.20 - Client responded. "Disagree - The Cert. of Exemption was provided and present in the file.  See attached.
0205194025	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0205194025	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)
0205194025	No	Guidelines require verification of business within 10 business days of note date. Verification of business provided is dated XXX.Provide satisfactory verification of business (XXX) within 10 business days of note date.	(No Data)
0215441392	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0629151148	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
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)
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.
0598841281	No	Expiration date on ROR is XXX.  CD discloses loan disbursement date is XXX.  Loan disbursed prior to the end of rescission period. PCCD required with a disbursement date of XXX.	8.14.20 - Client responded. Disagree - Actual closing date is XXX. Disbursement date is XXX.  Consummation CD was incorrect; however, a Post Consummation CD was issued on XXX with the correct closing and disbursement dates.  See PC CD attached.  No corrective action required.
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)
0763457022	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0763457022	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)
0928929046	No	Notary Status is missing from the Mortgage	8.19.20 - Client responded. Notary page originally delivered with file page 624 of the PDF. Validate with the county website notary page attached is the correct one filed with the county recorded Mortgage.
0928929046	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0197658429	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0821567263	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0692343551
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)
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)
0646168920	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0646168920	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)
0656643622	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0656643622	No	Approved Lender exception for Minimum length of employment requirement not met, guidelines required if the two-year employment history reflects an extended absence (6 months or more) and the income is being used to qualify:  Current time on job must be at least 6 months. Borrower had less than 6 months with new employer.  Clayton deems as non-material based on Compensating factors of  DTI 29.76% below guideline max and borrowers have residual income of 25000.00 monthly	(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)
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 September 2019 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)
0435065781	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0435065781	No	Guidelines require verification of the existence of the business within 10 days of note for any borrower that is XXX. Lender provided an internet printout of business, however there is no date on the printout to establish if it was done within 10 days of note date. Provide satisfactory verification of the existence of the business - XXX within 10 days of note date.	9.22.20 - Client responded. "VOE - Existence of business (active status) for XXX attached - 2 attachments.
0435065781	No	Missing 1031 Exchange agreement and title transfer on the relinquished property located at XXX	9.23.20 - Client responded. Attached is copy of exchange agreement; title transfer pending
0304112440	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0892599109	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0598221185	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0155313978	No	Disbursement date of XXX on CD XXX is before end of statutory rescission period XXX on the ROR.	8.19.20 - Client responded. "Disagree - Post Consummation Closing Disclosure was sent to the borrower on XXX that discloses the correct closing date of XXX and disbursement date of XXX. See attached PC CD.  No further corrective action required.
0435667839	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0316303659
0467567734	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0235567649	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0934501608	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0568327749	No	Client used the higher value from appraisal review of $XXX instead of Original Appraised value of $XXX. Valuation review only supported the $XXX. Note amount of $XXX = 75.70% LTV/CLTV and over the allowed 75% per guidelines.	5.6.21 - Upon Further Clayton review the Original Appraised value was $XXX and the Appraisal Review reflected $XXX. A reconciliation review of both came back with a value of $XXX. This supports the Original Appraised Value within the -10% tolerance and LTV/CLTV is 71.04% and under the maximum of 75%.
0636990742	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0987410312
0356225648	No	QM Guidelines require an explanation for gap of employment and a full two year work history prior to an extended absence (6 months or more) by traditional employment verifications and/or copies of w-2s and paystubs; application indicates borrower's previous employment with XXX and 2018 w-2 was provided. Current employment with XXX  to present therefore gap in employment of 14 months. NO LOE found in file. QM compliance requires a documented two-year work history prior to the absence. Provide an explanation of gap of employment from XXX and satisfactory evidence of a full 2 year employment history from XXX.	8.26.20 - Client responded. "Borrower has been in the same line of work over 15 years. Borrower was laid off at XXX. Borrower explanation of extended absence in underwriting notes attached. Gap in employment did not affect stability or continuance. Only base pay used to qualify supported with WVOE and year-to-date earnings8.26.20 - Clayton has reviewed and notes from the underwriter do not satisfy this exception. It is required the reason for the gap in employment has to come from the borrower in form of LOE. Even an email from borrower is fine as document does not have to be signed. 8.27.20 - Client responded. Re-status as Non-QM and regrade accordingly
0356225648	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A	(No Data)
0356225648	No	Requested re-status to Non-QM per client.	(No Data)
0929898885	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0331302840
0567431813	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0772792638	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0611439570	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0880615284	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0286395358	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0727102781	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0091999898	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0084932463	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0498176253	No	Approved Lender exception for asset profile being deficient with only 5.5 months liquid PCL and guidelines require 12 months.  Clayton deems non-material due to the following compensating factors: DTI at 26%, over $46k per month in residual income, low credit usage, over $3million in potential stock awards for B2, excellent mortgage payment history.	(No Data)
0498176253	No	Approved Lender exception for Insufficient collateral based on comparable with similar square footage limiting LTV to 75%.Clayton deems non-material due to compensating factors: DTI 26.80, over $46k per month residual income and long term stable employment history for both borrowers (B1 over 9 years and B2 over 15 years). Also stable upward trending market values in the area.	(No Data)
0868414709	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0398810574
0492401808	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0855405900	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.	(No Data)
0221165349	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0229239392	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0229239392	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)
0465953484
0088333501
0210509784	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0043528627	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0714439402	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0714439402	No	Ten percent tolerance fee  increased for fees in section C of the LE XXX to section B of CD XXX.Title closing /escrow $1845Title-Lender Policy $1252Loan tie In $ 325.00Title Notary $200.00Letter of explanation, corrected Closing Disclosure,Refund required in the amount of $3632 , proof of delivery within 60 days of consummation.	9.17.20 - Client responded. "Disagree - Ten percent fees did not increase out of tolerance from LE date issued XXX to Consummation CD date issued XXX.  The fees were disclosed in section C of the LE and in section B of the CD.  Fees are held to tolerance based on the total and the total of fees decreased. Each individual fee is not held to the 10% tolerance.
0256793336	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0172307711	No	Declaration Date XXX  Effective Date XXX Clayton to order Property inspection	10.19.20  Property Inspection Report provided and no damage.
0320395059
0423170417	No	CD XXX -Projected Payments, Estimated Taxes, Insurance & Assessments Value per month is $1427.53,Loan Disclosures, Estimated Costs Over Year 1 Value is  $5722.26. 1427.53x12=$17130.36 Annually.	8.17.20 - Client responded. "Agree - Estimated Taxes, Insurances and Assements (ETIA) monthly amount of $1427.53 on page 1 of the CD is incorrect and does not calculate to the amount disclosed in the No Escrow - Estimated Property Cost over Year 1 on page 4 of the CD. Annual Insurance $788.01; Annual Taxes: $4934.17; Total Annual: $5722.26; Correct Monthly ETIA: $476.86 (rounded). Remediation requested.9.30.20 - Client responded. Disagree - Post Consummation CD disclosing the correct ETIA of $476.86 sent to borrower(s) on XXX.  See attached PC CD.
0387718274	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0170383070	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0170383070	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)
0925636422	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(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)
0923847944	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0686019166	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0686019166	No	Approved Lender Exception for reserve requirements, guideline required 30 months reserves. Clayton deems as non-material based on Compensating factors of Overallcredit profile is good with stable income with strong potential for increasing earnings,ratios of 24.115%/42.009% with strong residual income of $12,960.06/ mo.	(No Data)
0935256896
0316110307	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0316110307	No	Zero tolerance fee increased for Appraisal from LE XXX to CD XXX in the amount of $11.46. Final CD dated XXX includes a credit of $2.60 which is not sufficient to cure the tolerance. LOE required with  corrected Closing Disclosure, refund of $ 8.86 proof of delivery within 60 days of consummation.	8.11.20 - Client responded. Disagree: Appraisal fee disclosed as $698 on LE date issued XXX. CD date issued XXX and final CD date issued XXX disclosed the Appraisal fee as $690. Borrower paid $11.46 at closing and $678.54 before closing toward appraisal fee.  Total appraisal fee paid by borrower = $690. Not a testing defect. No further action required.
0734205882
0700365699	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0235654953
0314535807	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0314535807	No	Guidelines require verification of existence of business within 10 days of note. A copy of business and accountant license provided however it does not provide evidence of business existence within 10 days of note.	(No Data)
0657678689	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0159998015	No	Declaration Date XXX Effective Date XXX Clayton to order property inspection	10.28.20 - Property Inspection Report provided and no damage.
0172474857	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.	(No Data)
0696046690	No	Approved lender exception for first time homebuyer and allowing escrow waiver. Clayton Deems non-material based on compensating factor of borrower has been with employer for 20 years, 66.5% LTV is below  the guidelines of 80% & reserves of over 351k.	(No Data)
0696046690	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.	(No Data)
0091008709	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0955989134
0848995684	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0509443395	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0269025572	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0572597962	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0572597962	No	Approved Lender exception for lack of rental history on an escrow waiver for first time homebuyer.Clayton deems non-material based on compensating factors of DTI under guideline requirements, B1 has additional income (RSU/Bonus) not used, Residual income just under 10K per month, reserves of over 18 months PITIA.	(No Data)
0209961006
0406175777	No	Guidelines require that a satisfactory VVOE be performed within 10 business days prior to the note date.VVOE dated XXX indicates that borrower is no longer active as of XXX	9.24.20 - Client responded. Borrower LOX XXX, Commission Schedule, VOE XXX and Underwriting Notes attached to support employment and income used in decisioning. Borrower has been in this profession over 10 years and recently changed from XXX to advance in the same line of work. Income used in qualifying verified with reasonable expectation of continuance.
0326355267	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0326355267	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)
0326355267	No	Loan safe report dated XXX reflects a property potentially owned by borrower located at XXXProvide satisfactory evidence that this is not the borrowers property.	9.30.20 - Client responded. Unable to obtain/locate satisfactory evidence to document borrower has no current ownership for property located at XXX No documentation in file associates borrower to this property including current credit report with address history.9.30.20 - Clayton has reviewed and although no other docs in file pointed to ownership of this property the Loan Safe report did and has to be validated as yes or no for ownership.10.2.20 - Client responded. County assessor's recorded DOT list attached does not show our borrower as a title holder to the property in question.
0326355267	No	File contains a Offer letter dated XXXClayton reviewer could not link company to employer listed on application, XXX, which qualifying income was based on.Guidelines for evaluating employment/income when closing prior to start date have specific requirements that must be meet - Underwriting Decision did not acknowledge upcoming employment change.	9.30.20 - Client responded. LOX dated XXX (attached) from borrower in regards to current employment status, no longer pursuing job with XXX(attached) documenting active employment status XXX.
0326355267	No	80% of sales price of $XXX. Loan amount per note is $XXX. Loan amount should have been rounded down to $XXX to be below 80%.	9.30.20 - Client responded. LTV calculates to 80.000017%. Origination system carries out three digits after decimal and therefore displays LTV as 80.000%.
0326355267	No	Approved Lender exception for lack of 12 month housing history and less than 2 year RSU income history. Clayton deems non-material due to the following compensating factors: Very strong savings history, conservative credit use, other income not used in qualifying - stock options, over $18k in residual income.	(No Data)
0534859575
0892350963	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0375940135
0701821800	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0701821800	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)
0701821800	No	Ten tolerance of $169.20 for increase in survey fees. Need evidence of change of circumstance letter or a copy of a refundable check for ten percent tolerance fees.	11.10.20 - Client responded. Agree - The Title Survey in the amount of $250.00 was added on CD #XXX without a valid reason. XXX calculated 10% OT refund of $171.40. Refund of $171.40 required to remedy. Remediation requested.11.13.20 - Client responded. Disagree - Post Consummation CD with corrected Fee Tolerance cure sent to borrowers on XXX.  See attached PC CD.
0616325002	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees 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)
0073034805
0231334101	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0725630557	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0068430033	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0559278351	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)
0559278351	No	Prior Loan HUD 1 Missing, unable to accurately evaluate CT same lender refi limits	10.6.20 - Client responded. Disagree - Title Commitment discloses 1st mortgage holder is XXX and was originated on XXX.  This mortgage was serviced by XXX but opened more than 24 months ago which is the CT Home Loan restriction.  2nd Mortgage was originated on XXX but owned by XXX.  This new loan consolidated those two mortgage loans.  See attached Title Commitment Schedule B page. Furthermore, the APR on this new loan is only 3.512%; therefore, it would not trigger the CT Home Loan test even if it was a loan refi with same lender within 24 months.
0559278351	No	Need proof initial CD XXX was received by borrower 3 days before consummation date of XXX.	10.6.20 - Client responded. Disagree - Closing Disclosure #XXX was eDelivered on XXX. CD#XXX was opened and acknowledged by the borrowers on XXX considers this in hand delivery and meets timing for XXX closing date. Please see attached document tracking.
0831230243	No	Ten percent tolerance fees increased on final CD dated XXX section B. Title exam-100, Title-Fax/copies/postage, Title-search.Corrected CD required with refund, proof of delivery within 60 days of consummation.	11.4.20 - Client responded. Disagree - The 10% fee tolerance is not based on individual fees but rather the total of all 10% fees.  The total of all 10% fees (Closing, CPL, Courier, Lenders Title, Mobile Notary and Recroding fee) disclosed on the LE was $3274.  The total of all 10% tolerance fees (Closing, CPL, Courier, Lenders Title, Recording Service, Title Exam, Title Search, Fax/Copies/Postage and Recording fee) disclosed on the CD was $3534.  The increase of $260 is less than the 10% allowance.  No refund required.
0596771914	No	Approved Lender exception for unpaid charge off of $1711 from 2014. Clayton deems non-material due to the following compensating factors: Decreased housing, minimum credit users, established savings pattern with over 93 months reserves.	(No Data)
0267811530	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0069119873
0060601564
0803735263	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0803735263	No	Guidelines require that all components of properties owned be verified to include mortgage, insurance, taxes and HOA fees (if any). Missing verification of HOA for XXX (HOI indicates property is a condo), Missing verification of taxes and insurance for XXX Missing verification of taxes for XXX.Provide satisfactory verification for the above property information.	9.14.20 - 1- Verification of monthly HOA for XXX attached. HOA fee = $365 monthly. 2- Verification of taxes and insurance for XXX attached. Total policy premium $1,205.27 and total annual tax payment $5,975.90. 3- Verification of taxes for XXX attached. Total annual tax payment $2,000.70. 4- Verification of taxes for XXX attached. Total annual tax payment $41,271.44. ATR adequately supported.  Compensating factors  1- Low housing ratio  2- High level of residual income  3- History of satisfactorily maintaining similar level of housing expense and/or debt  4- Equity in other real estate owned  5- Documented savings pattern  6- Substantial down payment from borrowers' own funds  7- Excellent credit history  8- Long-term employment
0803735263	No	Guidelines require verification of business existence within 10 days of note date. Missing verification of business for XXX.	9.14.20 - Client responded. Verification of business (active status) from XXX
0803735263	No	Approved Lender exception for Multiple properties owned (total 9) and XXX aggregate financing greater than $3 million.Clayton deems non-material due to the following compensating factors: LTV/CLTV 60%, Occupant ratios 30.691%, Employment tenure, Equity in all property owned 75.396% ($5,519,432/$20,970,000), Monthly residual income over $88k.	(No Data)
0290935180	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0290935180	No	FEMA disaster area declaration date XXX XXX, Clayton will order reinspection	11.6.20  Property Inspection Report received and no damage
0698008705	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.	(No Data)
0435933950
0722444184	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0722444184	No	Missing proof of borrowers receipt of the $235,000. Gift. Require copy of borrowers bank statement verifying funds have been deposited and cleared.	10.5.20 - Client responded. XXX 200k + 35k = $235k. $200k check from XXX and $35k receipt for deposit (cashier's check from XXX) from XXX attached to support borrowers receipt of gift funds. Deposit details reflects updated balance after $200k deposit 8/31/20 = $231,811.04.
0911493224	No	Approved Lender exception for use of rental income to offset property expenses on 2 rental properties. Clayton deems non-material due to the following compensating factors: Net residual income of $12,674.22, LTV of 76.92% blow max of 80% and reduction of $422.15 in monthly housing expense.	(No Data)
0805203628	No	FEMA Declaration date XXX and Effective date XXX. Clayton to order property inspection	11.6.20  Property Inspection Report received and no damage
0569117909	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0569117909	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)
0453397647	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0453397647	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)
0205726976	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0356104488
0706815855
0505002330
0149368455	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0782961994	No	1. Missing proof HELOC with XXX has been closed to future draws. Payoff and close provided on page 3403 it not signed by the borrowers2. Missing signed pages of 2018, 2017, 2016, and 2015 1040s for B2 XXX as required per ATR/QM G/L	12.24.19 - Client responded. "1- Proof HELOC with XXX has been closed to future draws attached, to include Credit Report (see Trade 3, credit line no longer available-in repayment phase) and XXX letter reflecting this account has been frozen.  2- Per lender 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.
0782961994	No	H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form.	12.27.19 - Client responded. Mortgage Schedule provided to reflect original lender as XXX
0782961994	No	Lender approved exception for >4 financed properties (5) without 50% of loan amount PCL (grandfathered for old policy). Clayton considers non-material based on LTV of 61.92% VS 70% required, 41.16 months in reserves VS 36 months required, and B2 length XXX for 11 years	(No Data)
0782961994	No	Missing signed pages of 2018, 2017, 2016, and 2015 1040s for B2 XXX as required per ATR/QM G/L	12.24.19 - Client responded. "Per lender 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.
0782961994	No	Missing proof HELOC with XXX has been closed to future draws. Payoff and close provided on page 3403 it not signed by the borrowers	12.24.19 - Client responded. "Proof HELOC with XXX has been paid and closed to future draws attached, to include Closing Disclosure, Credit Report (see Trade 3, credit line no longer available-in repayment phase) and XXX letter reflecting this account has been frozen.
0892192051	No	A Desk review was received with a reported value of $XXX which is a variance of -17.06% less than the original appraised value of $XXX. A field review has been ordered.	2.10.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.
0203802152
0955156588	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(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)
0391328966	Yes	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.	XXX
0962810216	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0460511689
0028477011	No	Approved lender exception for 77.61% LTV which exceeds G/L requirement of 70% for C/O on a Coop-Combo Loan. Clayton considers non-material based on compensating factors of 45.35 months reserves VS 12 months required and DTI of 37.83%	(No Data)
0594005576	No	Lender approved exception for allowing monthly escrow waiver for first time homebuyer.  Clayton deems non-material due to compensating factors LTV is 75 vs 80% per G/L, DTI is 35.37%,  and reserves of 16.50 months vs 12 months required	(No Data)
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)
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)
0029264920
0008280028	No	8.14.202ROR Disbursement date of: XXX CD disbursement date XXX.PCCD required with a disbursement date of XXX.	8.14.20 - Client responded. Agree - Actual closing date is XXX.  Disbursement date is XXX.  Loan was disbursed correctly on XXX.  An updated CD is required disclosing correct disbursement date of XXX.  Open of rescission not required.9.9.20 - Client responded. Post Consummation CD sent to borrowers on XXX with corrected Disbursement and Prepaid Interest dates.  See attached PC CD.
0008280028	No	Approved Lender Exception for Minimum Credit Score not meeting guideline requirement of 680 with qualifying score of 644. Clayton deems as non-material based on Compensating factors of LTV 65.67% and guideline max is 80% and $28.5 K in residual income.	(No Data)
0939621352
0650512691	No	Missing Profit and loss and Balance sheet for Borrower 1 as he is XXX. Per underwriting notes B1 was working for an employer and had side business but have stopped working for employer and running their business full time. QM requires P&L and Balance sheet.	8.3.20 - Client responded. No P&L and Balance Sheet obtained. A sole proprietor reporting business income and expenses on Schedule C does not have to report a balance sheet as part of the tax return. A two-year average of XXX income with an increasing trend from 2018 to 2019 used to qualify.8.3.20 - Clayton has reviewed and although borrower is a sole proprietor and doesn't require a balance sheet a P&L is still required per QM. 8.10.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly
0650512691	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0650512691	No	Per client re-status as Non-QM.	(No Data)
0008293269	No	H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form.	3.26.20 - Client responded. Disagree: XXX is secured party on UCC1 dated XXX and recorded XXX. H9 is correct model form.
0008293269	No	Approved lender exception for C/O on a R/T for a COOP Combo. Clayton deems exception non-material based on compensating factors of a 22.02% DTI vs 43%, 22.77 months PITI reserves vs 12 months required, and residual income of $42,239.96.	(No Data)
0905610877	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
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.
0311712614	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0297718166	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0399149633	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0399149633	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)
0596861615
0505400757	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0227320863
0237603193	No	Provide the correct Note for the subject property XXX. Note in file is for XXX	10.2.20 - Client responded. See corrected Note attached
0078557540	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0595318540	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.	(No Data)
0710942108
0590004680	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(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)
0826108892	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0319963789	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0319963789	No	FEMA declared disaster date XXX, Clayton will order property inspection	11.4.20  Property Inspection report provided and no damage.
0714739945
0653687659	No	Earliest expiration date per ROR is XXX and Disbursement date per Final CD XXX	7.24.20 - Client responded. "Agree - Per system of record funds disbursed correctly after rescission expiration on XXX. PC CD with corrected disbursement date and per diem date required to remedy. Re-opening rescission is not required. Email CDCR for corrected CD with XXX disbursement date.9.14.20 - Client responded. Disagree - Post Consummation CD with correct disbursement and prepaid interest dates was sent to the borrower on XXX.
0370111594	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0195700153	No	Loan closed as a Second home. Homeowners insurance policy reflects property is being insured as XXX indicating commercial use.	9.22.20 - Client Occupancy status supported. Per 1040 tax returns and other file documentation, B2 is also using second home for his business address (XXX). Interior pic(s) from appraisal, reflects only a room used for an office. Appraiser makes note the highest and best use of the subject is clearly SFR home.
0195700153	No	Approved Lender exception for ratio of 43.34%.Clayton deems non-material due to the following compensating factors: Borrowers have long term employment, potential for increased earnings, savings ability, residual income $9899.03, and low LTV at 54.50%	(No Data)
0195700153	No	Missing evidence of new mortgage refinance with XXX for property located at XXX, CA to support a monthly PITI payment of $3501.52.	9.22.20 - Client responded. Verification of PITI payment for non-subject property located at XXX, CA attached. 2693.93 + 595.72 + $150.10 = $3439.75 PITI payment
0195700153	No	Guidelines require that XXX VVOE be within 10 days of note. Both borrowers are XXX with verification of business last updated XXX. Provide updated verification of business within 10 days of note (XXX) for XXX	9.22.20 - Client responded. 1- Verification of business (active status) from CA Secretary of State for XXX attached. 2- Verification of business / XXX attached.
0195700153	No	Approved Lender exception for ownership of more than 5 properties. Clayton deems non-material due to the following compensating factors: Borrowers have long term employment, potential for increased earnings, savings ability, residual income of $9899.03 and low ltv of 54.5%.	(No Data)
0392919710
0279010260	No	ROR Rescission Date is XXX and CD Disbursement Date shows XXX.	7.10.20 - Client responded. Per system of record funds disbursed appropriately on XXX after rescission expiration. PC CD with corrected disbursement date and per diem date required to remedy. Open rescission is not required. Remediation requested.10.2.20 - Client responded. Post Consummation CD sent to the borrower(s) on XXX.  See attached PC CD
0692927227	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0455781406	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0227172047	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0227172047	No	Approved Lender exception for invalid FICO score and Insufficient Credit. Clayton deems non-material due to compensating factors of Ratios 26/31%. Low LTV (56.82) and 111 months PCL.	(No Data)
0323048408
0535604744	No	DTI 44.40% exceeds lender guidelines of 43%. Lender statused as Non-QM.	(No Data)
0535604744	No	Guidelines require documentation on new XXX mortgage payment for property located at XXX of PITI no more than $3761.45. Provide evidence of the new PITI payment for XXX	9.23.20 - Client responded. Verification of PITI payment for non-subject property located at XXX, CA attached. 2846.25 + 616.32 + $126.25 = $3588.82 PITI payment for XXX
0535604744	No	Approved Lender exception for ownership of more than 5 properties. Clayton deems non-material due to the following compensating factors: Borrowers have long term employment, potential for increased earnings, residual income $12,734.84 and low housing ratio.	(No Data)
0849998169	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0849998169	No	Lender approved exception for DTI over 43% at 48.81%.  Clayton deems no-material based on compensating factors of excellent, low, minimal revolving debt, 781 FICO. Good mortgage history 0x30x51.  High DTI due temporary until departure residence is sold.	(No Data)
0849998169	No	Natural Disaster Area with declaration date of XXX effective date of XXX XXX and no subsequent inspection.  Clayton to order PDI.	11.17.20 - Property Inspection Report provided and no damage.
0062148837
0433817330
0838218787
0388688654	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0334422712	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0070584510	No	ROR Disbursement date of: XXX Final CD date: XXX. PCCD Required with a disbursement date XXX.  Or a LOX, proof of delivery, and New NORTCs to all entitled to rescind to  re-open rescission (2 for each recipient). Within 60 days of discovery.	8.14.20 - Client responded. "Disagree - Actual closing date is XXX. Disbursement date is XXX.  Consummation CD was incorrect; however, a Post Consummation CD was issued on XXX with the correct closing and disbursement dates.  See PC CD attached.  No corrective action required.
0901435205
0722953477
0914250216	No	T.42 Title Endorsement is missing.	(No Data)
0914250216	No	T.42.1 Title Endorsement is missing.	(No Data)
0781340231	No	ROR disbursement date XXX, Final CD disbursement date XXX. PCCD required with a disbursement date of XXX. Within 60 days of discovery.	7.10.20 - Client responded. Per system of record funds disbursed appropriately on XXX after rescission expiration. PC CD with corrected disbursement date and per diem date required to remedy. Open rescission is not required. Remediation requested.9.9.20 - Client responded. Post Consummation CD sent to borrower on XXX with corrected Disbursement and Prepaid Interest dates.  See attached PC CD.
0548873977	No	Disbursement date of XXX is the same day as the right to cancel expiration date of XXX.	7.15.20 - Client responded. "Agree: Per system of record funds disbursed appropriately on XXX after rescission expiration. PC CD with corrected disbursement date and per diem date required to remedy. Open rescission is not required. Emailed CDCR for corrected CD with XXX disbursement date.10.20.20 - Client responded. Post Consummation CD with corrected Disbursement and Prepaid Interest dates sent to borrower(s) on XXX.  See attached PC CD.
0789937139
0141674452	No	ROR Expiration date is XXX; disbursement date per file XXX.  Borrower did not receive full mandatory rescission period	7.28.20 - Client responded. "Agree - While the ROR expiration date (XXX) is correct and the funds were disbursed correctly on XXX, the Closing Disclosure is incorrect.  The consummation CD discloses a closing date of XXX with a disbursement of XXX.  Actual closing took place on XXX, with a disbursement of XXX.  CDCR request was made to update the closing date, disbursement date and prepaid interest date on the Closing Disclosure.8.31.20 - Client responded. Post Consummation CD with correct closing date of XXX and disbursement and prepaid interest dates of XXX was sent to borrower on XXX.  See attached PC CD.
0708733554
0478749220	No	Final CD shows a Closing date of XXX and Disbursement Date of XX. Notary Date and Final Docs Signed XXX which makes Disbursement Date XXX for full Rescission period.	8.11.20 - Client responded. "Agree - Per system of record funds disbursed on XXX.  PC CD with corrected disbursement date and per diem date required to remedy.  Open rescission is not required. Remediation CD requested10.2.20 - Client responded. Post Consummation CD sent to borrower(s) on XXX with the corrected Disbursement Date.  See attached PC CD.
0327241907
0264928705	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0423819313	No	Title reflects lien for $XXX in 3rd position. XXX 1st and 2nd were paid and closed with subject transaction. Provide proof this lien has been satisfied/ paid in full.	7.31.20 - Client responded. See Underwriting Notes attached. $XXX lien in 3rd position has been paid in full/satisfied and will be removed from Final Title Policy. Final Title Policy has not been received yet.7.31.20 - Clayton has reviewed and although UW notes reflect paid off we still need a copy of the final title reflecting that. 10.21.20 - Client responded. See attached Title Policy
0947043588
0921327304	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0921327304	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)
0047160022
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)
0334333278
0479955912	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0059353931
0297939688
0010826823
0224364000
0374926914	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.	(No Data)
0166671017
0331703728	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees 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)
0500160486	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0087401493
0934604695	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0123683594	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0171698680	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0777507334
0224787836
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)
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)
0411115272	No	A Desk review was received with a reported value of $XXX which is a variance of -20.04% less than the original appraised value of $XXX A Field review has been ordered.	9.14.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.
0552582570
0831923509	No	FEMA Declaration date XXX and Effective date XXX. Clayton to order	11.4.20  Property Inspection report provided and no damage.
0566235119	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.	(No Data)
0258571462
0674517418	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0598747092	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0308346631	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0198209562
0852578705
0181469741	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)
0181469741	No	FEMA declared disaster date XXX, XXX, Clayton will order PDI.	11.10.20  Property Inspection Report provided and no damage.
0172973631	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees 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)
0195260056	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0195260056	No	Declaration Date XXX Effective Date XXX	(No Data)
0979354282	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0979354282	No	Require acceptable documentation from Employer verifying borrower receives commission income averaging $10,300.66 month. Income documentation indicated borrower received Bonus income only.	11.5.20 - Client responded. See Underwriting Notes (attached) for income analysis. 11.5.20 - Clayton has reviewed and calculations support.
0902479734	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0902479734	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)
0902479734	No	Approved Lender exception for use of retirement funds to meet 100% of reserve requirement.Clayton deems non-material due to the following compensating factors: Low DTI, Credit score of 747 and additional bonus income not used to qualify.	(No Data)
0902479734	No	Loan Safe report dated XXX indicates the borrower is the owner of property located at XXXProvide evidence borrower no longer has ownership to XXX	11.5.20 - Client responded. " Unable to provide satisfactory evidence borrower no longer has ownership to XXX However, the credit report (trade 1) reflects the mortgage tied to this property was paid and closed XXX; prior address per 1003. It appears this property was transferred to XXX (see attached), his current address.11.5.20 - Clayton has reviewed and credit report reflects paid off and document provided no longer in borrower name.
0902479734	No	No inspection since the XXX declaration date, XXX effective date, FEMA disaster XXX Declaration #XXX.	(No Data)
0448449905	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0448449905	No	Declaration Date XXX Effective Date XXX	11.23.20 - Property Inspection Report provided and no damage.
0318929563	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees 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)
0318929563	No	Declaration Date XXX Effective Date  XXX Clayton to order property inspection	11.6.20  Property Inspection Report received and no damage
0419254311	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0083431261	No	Declaration Date XXX Effective Date XXX Clayton to order property inspection	11.4.20  Property Inspection report provided and no damage.
0176464215
0643755415
0391030430	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0596751492	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0133806802	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0133806802	No	Declaration date XXX, note date XXX, Clayton to order property inspection.	11.23.20 - Property Inspection Report provided and no damage.
0810627045	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0627907732	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees 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)
0627907732	No	Missing property inspection for FEMA declared disaster dated XXX effective XXX, Clayton will order	11.6.20  Property Inspection Report received and no damage
0432132209	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0432132209	No	Natural Disaster Area with declaration date of XXX effective date of XXX for XXX and no subsequent inspection.  Clayton to order	11.10.20  Property Inspection Report provided and no damage.
0314944184	No	Notary fee in the amount of $200 was added on final CD dated XXX in section B.  Letter of explanation, or corrected Closing Disclosure is required. , a refund of $200.00, proof of delivery within 60 days of consummation.	10.23.20 - Client responded. "Disagree - 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 $2,228. Aggregate 10% fees on the consummation CD were charged in the amount of $2,110. It appears investor did not include Title Services in the 10% tolerance calculation. This resulted in a decrease of $118.00 in the Aggregate 10% tolerance threshold; therefore, no refund would be due. This is not a defect so no corrective action is required.
0841719747	No	FEMA declared disaster effective XXX XXX, clayton will order PDI.	11.11.20  Property Inspection Report provided and no damage.
0323637836	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0323637836	No	Fema disaster declared date XXX XXX. Clayton will order	11.6.20  Property Inspection Report received and no damage
0253839394	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0165073789	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. Exception satisfied.	(No Data)
0210642526	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.	(No Data)
0672271657	No	Missing subsequent property inspection completed after FEMA disaster effective XXX, Public Declaration #XXX, XXX. Clayton to order property inspection.	10.21.20  Property Inspection report provided and no damage.
0902640178	No	No inspection since the XXX declaration date, XXX effective date, FEMA disaster XXX Declaration #XXX. Clayton will order Property Inspection report.	11.6.20  Property Inspection Report received and no damage
0892324179	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.	(No Data)
0892324179	No	FEMA declared disaster XXX Clayton will obtain inspection	11.5.20  Property Inspection Report received and no damage.
0778038727	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0778038727	No	Guidelines require a VVOE within 10 business days of note date. VVOE for borrower 2 is dates XXX which would be 11 business days old at note date. Provide satisfactory updated VVOE for Borrower 2 from XXX.	(No Data)
0928569869	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0871667533	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0702702409	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0217297674	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.	(No Data)
0217297674	No	No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.	11.4.20  Property Inspection report provided and no damage.
0846348091	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0846348091	No	Declaration Date XXX  Effective Date XXX Clayton to order	10.19.20  Property Inspection Report provided and no damage.
0371702040	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0371702040	No	Approved Lender exception for FICO score. Minimum of 680 is required. Borrower FICO 677.Compensating factors of: Very low utilization of credit and 6 years of paid as agreed XXX mortgage history (mortgage paid off); 2 Free and Clear owned properties with unused rental income.	(No Data)
0016883835	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees 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)
0016883835	No	No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.	11.9.20 - Property Inspection Report provided and no damage.
0835308027	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0951877372	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0136671540	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.	(No Data)
0698674168
0727541843	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0225220355	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0225220355	No	Declaration Date XXX Effective Date XXX Clayton to order PDI	10.19.20  Property Inspection Report provided and no damage.
0047162086	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0486972146	No	Need evidence that borrower receive 3 days prior to consummation.	10.20.20 - Client responded. Disagree - CD#XXX. CD#XXX was opened and acknowledged by borrowers on XXX. XXX considers this the same as in hand delivery and meets timing for closing date of XXX. Please see attached doc tracking.
0732354163	No	Approved Lender exception for use of business funds for down payment, closing cost or reserves.Clayton deems non-material due to the following compensating factors: Low revolving debt usage <8%, residual income $23k and 80 plus months reserves with 30 required.	(No Data)
0732354163	No	No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.	11.6.20  Property Inspection Report received and no damage
0828386484	No	Declaration date XXX; Effective date XXX.  Clayton to order property inspection.	11.4.20  Property Inspection report provided and no damage.
0647644232	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0038224148	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0907456397	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0214086633	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0112876272	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0112876272	No	FEMA disaster effective date XXX; Appraisal date XXX; Clayton will order.	11.10.20  Property Inspection Report provided and no damage.
0482713964	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0421931063	No	Numeric Non-Material Error: Final CD XXX The value $XXX for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value $XXX disclosed on the last LE XXX.  Requires LOX and PCCD correcting Calculating Cash to Close table.	(No Data)
0713178371	No	CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXXCD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 7878.96	(No Data)
0257860964
0938822959	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0616406934
0757775016	No	The property securing this loan is in the 3rd Circuit.  In 1992 the U.S. Court of Appeals, 3rd Circuit held that the use of an H-8 rescission form in a same-creditor refinance provides insufficient notice and extends the right to rescind.  This decision has not been overturned.	1.13.20 - Client responded. 12/20/2019: Disagree. Loan is Refinance with original creditor but no new money advanced. Original Mortgage/Loan amount of $XXX. New Mortgage/Loan amount of $XXX. Cash from Borrower at close of $13,682.28. No mortgage increase and no cash advance to borrower. Use of Model Form H-8 acceptable for this transaction. See attached CD from prior loan on XXX.
0214703126
0827711180	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.	(No Data)
0826698707

Alt loan Number	Conclusion Comments	TRID Error Type	Cure Method	Compensating Factors
0891830542	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.34% Max 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 71.54% Max 80%
0891830542	5/15/17 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.34% Max 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 71.54% Max 80%
0891830542	5/15/17 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.34% Max 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 71.54% Max 80%
0891830542	(No Data)	Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.34% Max 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 71.54% Max 80%
0891830542	5/15/17 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.34% Max 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 71.54% Max 80%
0891830542	5.25.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.34% Max 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 71.54% Max 80%
0891830542	5.15.17 Exception satisfied	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.34% Max 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 71.54% Max 80%
0891830542	5.26.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.34% Max 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 71.54% Max 80%
0891830542	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.34% Max 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 71.54% Max 80%
0891830542	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.34% Max 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 71.54% Max 80%
0891830542	5.3.17 Exception Satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.34% Max 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 71.54% Max 80%
0891830542	6.1.17 Exception Satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.34% Max 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 71.54% Max 80%
0358266475	05.11.17 Exception remains.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 800; minimum required credit score per guidelines is 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 70.77%; max allowed LTV per guidelines is 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  The Borrower(s) have a 0x30; 44 month mortgage history.
0445009472	6.19.17 Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 20 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0445009472	5.28.17 After review per guideline requirements Borrower may not own any other second homes or investment properties in the same geographic market as the subject property. Exception remains.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 20 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0445009472	5.28.17 After further review 18 months piti reserves required. Reserves requirements meet. Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 20 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0445009472	5.24.17 Exception remains.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 20 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0445009472	5/10/2017 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 20 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0565792248	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at primary residence for over 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  The loan closed with an LTV of 58.88% and the max LTV was 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's fico score 749 exceeds guidelines requirements of 680. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have over 53 months of mortgage credit history with no lates.
0565792248	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at primary residence for over 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  The loan closed with an LTV of 58.88% and the max LTV was 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's fico score 749 exceeds guidelines requirements of 680. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have over 53 months of mortgage credit history with no lates.
0565792248	5.25.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at primary residence for over 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  The loan closed with an LTV of 58.88% and the max LTV was 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's fico score 749 exceeds guidelines requirements of 680. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have over 53 months of mortgage credit history with no lates.
0565792248	5.28.17 Per guidelines trust agreement is required. Exception remains	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at primary residence for over 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  The loan closed with an LTV of 58.88% and the max LTV was 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's fico score 749 exceeds guidelines requirements of 680. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have over 53 months of mortgage credit history with no lates.
0565792248	5.24.17 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at primary residence for over 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  The loan closed with an LTV of 58.88% and the max LTV was 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's fico score 749 exceeds guidelines requirements of 680. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have over 53 months of mortgage credit history with no lates.
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.
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.
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
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.
0188994424	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 778 is 98 points above the minimum required score of 680. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have an excellent mortgage history of 61 months with XXX with no late payments.
0188994424	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 778 is 98 points above the minimum required score of 680. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have an excellent mortgage history of 61 months with XXX with no late payments.
0188994424	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 778 is 98 points above the minimum required score of 680. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have an excellent mortgage history of 61 months with XXX with no late payments.
0278458811	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $45,810.36. Verified $149,154.46 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV/CLTV 56.09%
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%.
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.
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	7.21.20 - Exception satisfied.	Not Applicable	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.
0762387763	8.10.20 - Exception remains. 9.14.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  79 months PITI reserves verified, 12 months required. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been working for the same employer for 10 years.
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.
0742242406	8.25.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 787 is 107 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.68% is 10.32 points below the maximum allowable DTI of 43%.
0742242406	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 787 is 107 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.68% is 10.32 points below the maximum allowable DTI of 43%.
0404547058				CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been with same employer for 19.90 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been at present residence for 6.39 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  58 month mortgage history with no late pays.l CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $195,410.34 in total assets documented.  Effective amount is $195,401.34, with liquid assets of $195,410.34  Post close reserves are $190,811.70.  Reserves required $5,178.13x 12 = $62,137.56.
0638297842	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 764 is 84 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.65% is 10.35 points below the maximum allowable DTI of 43%.
0638297842	10.26.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 764 is 84 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.65% is 10.35 points below the maximum allowable DTI of 43%.
0746298925				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 8 years and 6 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 4 years and 9 months. CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 22 years.
0863486295	(No Data)	(No Data)	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.
0340006234	(No Data)	(No Data)	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	7.21.20 - Exception satisfied.	(No Data)	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.
0404943214	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 30.65% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $63,732.48. Verified $123,821.85
0930158501				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been with their present employer for greater than 4 years. CFCFS2860: Good credit history - Clayton Comments:  Per the credit report, borrowers have had no reported late payments in the most recent 24 months.
0707375415	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 27.54%, max 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  114 months PITI reserves verified, 12 months required.
0388007370	3.8.21 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 803 is 123  points above the minimum required score of  680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 22.05% is 14.95 points below the maximum allowable DTI of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.75% is 9.25 below the maximum of 80%.
0475617019	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores exceed guidelines at 810 & 812 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 8.1 years.
0475617019	9.2.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores exceed guidelines at 810 & 812 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 8.1 years.
0688663791	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 26 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-closing reserves is $139,826.94; required reserves $5888.49 x 12 = $70,661.88.
0902260454	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 786 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $128,907.84. Verified $454,369.46
0617386511	(No Data)	(No Data)	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	(No Data)	Numeric	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.
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.
0290791026	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $125,741.52. Verified $184,140.43 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 758
0290791026	10.26.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $125,741.52. Verified $184,140.43 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 758
0164543000	(No Data)	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 is employed for 10 years with same company CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $88,096.50. Verified $638,916.53
0202441613	8.14.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  158 months reserves verified, 12 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 33.61%, Max 45%
0289292446	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 787 and minimum required is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 15.70% and maximum allowed is 43%.
0365530848	(No Data)	(No Data)	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.
0617986787	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI at 27.35%, guideline max allowed is 43% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower has been with same employer for over 8 years.
0496740217	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.59% is 4.41 points below the maximum allowable DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 801 is 121 points above the minimum required score of 680.
0917131732	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  106 months PITI reserves verified, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score 803, min 720.
0926035927	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 19 years for the borrower. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job of 5 years and 1 month.
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.
0032308265	(No Data)	(No Data)	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.
0526040098	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 777 is 97 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 37.92% is 5.08 points below the maximum allowable DTI of 43%.
0448045178	(No Data)	(No Data)	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%.
0417818039	(No Data)	(No Data)	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	(No Data)	(No Data)	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	(No Data)	Numeric	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.
0744499361	(No Data)	(No Data)	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%
0175902539	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $415,424.68 in total assets documented.  Effective amount is $408,206.45, with liquid assets of $391,363.91.  Post close reserves are $165,928.35.  Reserves required $5,348.78 X 12 = $64,185.36 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.881% is 13.118% below maximum DTI of 43%.
0087867838	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 6 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of 810.
0087867838	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 6 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of 810.
0970818417				CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower have post closing reserves of $455,774.49 which exceed required guidelines of $96,875.64 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower have 10 years as a professional XXX.
0132083552				CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $58,630.08. Verified $200,859.09 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 24.80%
0864403324	(No Data)	(No Data)	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
0305255025	7.17.20 - Exception satisfied.	(No Data)	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	(No Data)	(No Data)	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	7.17.20 - Exception satisfied.	(No Data)	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%
0357907958	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 773 is 93 points above the minimum required score of  680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 22.42% is 20.58 points below the maximum allowable DTI of 43%.
0357907958	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 773 is 93 points above the minimum required score of  680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 22.42% is 20.58 points below the maximum allowable DTI of 43%.
0882156006	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 56.19% below guideline requirement of 80% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 14 years .
0389550109	(No Data)	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned their present residence for 25.74 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $1,4776.937.62 in total assets documented.  Effective amount is $1697,514.93, with liquid assets of $1,696,514.93.  Post close reserves are $1m355m429,51.  Reserves required $6,107.83 x 12 = $73,293.96
0950955298	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for over 31 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 33.46% is below maximum DTI of 43% required for QM products.
0950955298	11.3.20 - Exception remains. 1.11.21 - Exception satisfied.	Non-Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for over 31 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 33.46% is below maximum DTI of 43% required for QM products.
0617718950	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has spent 17 years on the job CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 28 years in profession.
0817980164	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 800 is 120 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 30.79% is 12.21 points below the maximum allowable DTI of 43%.
0341455011	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower having over 13 years employment with same employer CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  PCL requirement is $74,833.32, Borrower cash reserves are $697,965.98 which exceeds the guideline requirement
0334588786	7.21.20 - Exception remains. 7.22.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of  814 is 134 points above the minimum required score of 680 based on fixed rate purchase. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $426,505.57 in total assets documented. Effective amount is $392669.68, with liquid assets of $341,915.85. Post close reserves are $131,355.10. Reserves required $5700.41 x 12 = $68,404.92.     Excess post-closing reserves of $62,950.18.
0334588786	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of  814 is 134 points above the minimum required score of 680 based on fixed rate purchase. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $426,505.57 in total assets documented. Effective amount is $392669.68, with liquid assets of $341,915.85. Post close reserves are $131,355.10. Reserves required $5700.41 x 12 = $68,404.92.     Excess post-closing reserves of $62,950.18.
0334588786	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of  814 is 134 points above the minimum required score of 680 based on fixed rate purchase. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $426,505.57 in total assets documented. Effective amount is $392669.68, with liquid assets of $341,915.85. Post close reserves are $131,355.10. Reserves required $5700.41 x 12 = $68,404.92.     Excess post-closing reserves of $62,950.18.
0334588786	7.21.20 - Exception remains.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of  814 is 134 points above the minimum required score of 680 based on fixed rate purchase. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $426,505.57 in total assets documented. Effective amount is $392669.68, with liquid assets of $341,915.85. Post close reserves are $131,355.10. Reserves required $5700.41 x 12 = $68,404.92.     Excess post-closing reserves of $62,950.18.
0146430692	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 28.3%, max 45%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for 18 years.
0016426301	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of  three years and 9 months. CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 7 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job of 4 years.
0502063980	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 13 years.  Co-borrower has been in same profession for 14 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned their present residence for 9.33 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $557,108.76 in total assets documented.  Effective amount is $449,826.25, with liquid assets of $199,501.06.  Post close reserves are $308,524.12.  Reserves required $3,939.96 X 12 = $47,279.52.
0047501038	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 26.35%, max 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  102 months PITI reserves verified, 12 months required.
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.
0205194025	10.23.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 765 is 85 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.14% is 3.86 points below the maximum allowable DTI of 43%.
0205194025	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 765 is 85 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.14% is 3.86 points below the maximum allowable DTI of 43%.
0205194025	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 765 is 85 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.14% is 3.86 points below the maximum allowable DTI of 43%.
0205194025	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 765 is 85 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.14% is 3.86 points below the maximum allowable DTI of 43%.
0215441392	(No Data)	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has significant time at current residence with 12.2 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in significant time in Profession with 21 years.
0629151148	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 812 is 132  points above the minimum required score of  680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 16.73% is 26.27 points below the maximum allowable DTI of 43%.
0133938555	(No Data)	(No Data)	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	7.30.20 - Exception satisfied.	(No Data)	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.
0598841281	8.14.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in same profession for 15 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  47 months mortgage history with no late pays. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $301,148.44 in total assets documented.  Effective amount is $301,148.44, with liquid assets of $301,148.44.  Post close reserves are $301,148.44.  Reserves required $7,521.96 x 12 = $90,263.52.
0568261939	(No Data)	(No Data)	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%
0763457022	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 20.61% < guideline max of 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Primary borrower credit score of 700 exceeds guideline min of 680. Borrower 2 mid score is 787.
0763457022	(No Data)	Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 20.61% < guideline max of 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Primary borrower credit score of 700 exceeds guideline min of 680. Borrower 2 mid score is 787.
0928929046	8.19.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 35 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 812 and minimum required is 680.
0928929046	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 35 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 812 and minimum required is 680.
0197658429	(No Data)	(No Data)	Not Applicable	CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Per the credit report, borrowers have had no mortgage related occurrences in the most recent 2 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Per the WVOE, B2 has been with their present employer for 12 years.
0821567263	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $69,860.40- Verified $147,002.70 CFCFS2854: Significant time in profession - Clayton Comments:  B1 is in the same profession for 10 years
0692343551				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 736 is 56 points above the minimum required score of  680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.25% is 10.75 points below the maximum allowable DTI of 43%.
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	(No Data)	(No Data)	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	(No Data)	Numeric	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
0646168920	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 27.32% is 15.68 points below the maximum allowable DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 791 is 111 points above the minimum required score of 680.
0646168920	(No Data)	Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 27.32% is 15.68 points below the maximum allowable DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 791 is 111 points above the minimum required score of 680.
0656643622	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.76% DTI below guideline max of 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  57 months of verified cash reserves exceeds guidelines
0656643622	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.76% DTI below guideline max of 45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  57 months of verified cash reserves exceeds guidelines
0909799015	(No Data)	(No Data)	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	(No Data)	(No Data)	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
0435065781	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 808 is 128 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.47% is 10.53 points below the maximum allowable DTI of 43%.
0435065781	9.22.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 808 is 128 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.47% is 10.53 points below the maximum allowable DTI of 43%.
0435065781	9.23.20 - Exception satisfied. 9.24.20: exception still active, all docs in file including HUD, wire, transfer agreement, wiring instructions, purchase agreement; this last remaining pending doc is now considered non material due to all other supporting docs in file	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 808 is 128 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.47% is 10.53 points below the maximum allowable DTI of 43%.
0304112440	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $45,045.12- Verified $225,456.84 CFCFS2854: Significant time in profession - Clayton Comments:  B1 is in the same profession as an XXX for 10 years
0892599109	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.30% DTI below guideline max of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 credit score exceeds guideline requirements
0598221185	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI calculated at 30.98% which is below the maximum required of 43% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has stable employment in  the industry for the past 8 years.
0155313978	8.19.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrower and B2 have been employed in their respective industries for the past 19 + years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 18.25 which is below the maximum requirement of 43%
0435667839	(No Data)	(No Data)	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 multiple mortgages and has not had any mortgage related occurences in the most recent 24 months. CFCFS2860: Good credit history - Clayton Comments:  Per the credit report, borrower has no late payments reported.
0316303659				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 39.59% is 3.41 points below the maximum allowable DTI of 43%.
0467567734	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in the same industry for the past 21 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 30.82% which is below maximum requirement of 43%
0235567649	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 793 is 113 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 33.07% is 9.93 points below the maximum allowable DTI of 43%.
0934501608	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for 7.93 years. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in same profession for 5 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $311,369.80 in total assets documented.  Effective amount is $311,369.80, with liquid assets of $311,369.80.  Post close reserves are $111,076.12.  Reserves required $5,788.28 X 12 = $69,459.36.
0568327749	5.6.21 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1739: Postive mortgage payment history - Clayton Comments:  26 months mortgage history with no late pays. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $727,655.43 in total assets documented.  Effective amount is $669,183.57, with liquid assets of $532.749.24.  Post close reserves are $669,183.57.  Reserves required $6,871.12 X 12 = $82,453.44. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned present residence for 16.58 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 16 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been with same employer for 9.57 years.
0636990742	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 780 and required minimum is 680.
0987410312				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 27 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  46 months mortgage history with no late pays. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $433,600.73 in total assets documented.  Effective amount is $433,600.73, with liquid assets of $433,600.73.  Post close reserves are $159,483.94.  Reserves required $7,206.25 X 12 = $86,475.
0356225648	8.26.20 - Exception remains. 8.27.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 775 is 95 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.71% is 4.29 points below the maximum allowable DTI of 43%.
0356225648	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 775 is 95 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.71% is 4.29 points below the maximum allowable DTI of 43%.
0356225648	(No Data)	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 775 is 95 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.71% is 4.29 points below the maximum allowable DTI of 43%.
0929898885	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower is employed with same company for 22 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $65,211.96. Verified reserves in the amount of $357,679.16
0331302840				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 19 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  173 months PITI reserves verified, 12 months required.
0567431813	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.78% below guideline requirement of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has spent 9 years at current job
0772792638	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 12 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 808 and minimum required is 680.
0611439570	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $65,565.16- Verified $238,525.45 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 35.03%
0880615284	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1 FICO 807 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $47,118.96- Verified $341,644.99
0286395358	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 11 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job of 6 years and 10 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of four years and 7 months.
0727102781	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 23.96% < guideline max of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed as an XXX for the past 18.70 + years.
0091999898	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 804 is 124 points above the minimum required score of  680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 35.72% is 7.28 points below the maximum allowable DTI of 43%.
0084932463	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 791 is 111 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 59.70% is 20.3 below the maximum of 80%.
0498176253	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 816 is 136 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 26.80% is 16.2 points below the maximum allowable DTI of 43%.
0498176253	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 816 is 136 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 26.80% is 16.2 points below the maximum allowable DTI of 43%.
0868414709	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  81 months PITI reserves verified, 12 months required. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has documented bonus income that is not used to qualify.
0398810574				CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 10.66%, max 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  45 months reserves verified, 12 months required.
0492401808	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  31.20 % DTI below guideline requirement of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 15 years
0855405900	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 12.31 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $602,087.95 in total assets documented.  Effective amount is $602,087.95, with liquid assets of $602,087.95.  Post close reserves are $342,914.40.  Reserves required $4,271.25 X 12 = $51,255.
0221165349	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.66% is 6.34 points below the maximum allowable DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 793 is 113 points above the minimum required score of 680.
0229239392	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 809 and minimum required is 809.
0229239392	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 809 and minimum required is 809.
0465953484				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines at 820 with a minimum credit score of 720. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in Profession with 15 years.
0088333501				CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 25.52% is 17.48 points below the maximum allowable DTI of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of  814 is 134 points above the minimum required score of 680.
0210509784	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Primary wage earners, B2, Credit Score 823; guidelines allow a minimum Credit Score 720. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have a very good credit history; conservative credit users; and minimal outstanding debt.
0043528627	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  85 months PITI reserves verified, 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score 791, min 720.
0714439402	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $121,664.16. Verified $172,373.88 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.45%
0714439402	9.17.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $121,664.16. Verified $172,373.88 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.45%
0256793336	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Per the VOE, borrower has been with present employer for greater than 9 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Per the VOE, Co-borrower has been with present employer for greater than 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Program max LTV is 80%; transaction LTV is 51.52%.
0172307711	10.19.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 804 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $134,915.58. Verified $244,939.07
0320395059				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score 801. Min 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  74 months PITI reserves verified, 12 months required.
0423170417	8.17.20 - Exception remains. 9.30.20 - Exception satisfied.	Numeric	Not Applicable	CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Per borrower 1 and 2 paystubs, borrower 1 has RSU income and Borrower 2 has bonus income that is not considered for qualifying. CFCFS2860: Good credit history - Clayton Comments:  Per the credit report, although borrowers credit utilization is low, credit appears to be positive and in good standing. No delinquencies reported.
0387718274	(No Data)	(No Data)	Not Applicable	CFCFS1750: High potential for increased earnings - Clayton Comments:  Borrower is XXX and has potential for increased earnings CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession 11.75
0170383070	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  20.07 % DTI below guideline max of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  45 month verified cash reserves exceeds guidelines of 18 months
0170383070	(No Data)	Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  20.07 % DTI below guideline max of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  45 month verified cash reserves exceeds guidelines of 18 months
0925636422	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.00% DTI below guideline max of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with employer for 5 plus years
0319401242	(No Data)	(No Data)	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%
0923847944	(No Data)	(No Data)	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 in the most recent 24 months. CFCFS2860: Good credit history - Clayton Comments:  Per the credit report, borrower has not had any late payments reported in the most recent 24 months.
0686019166	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  22 months of verified cash reserves exceed guidelines CFCFS1750: High potential for increased earnings - Clayton Comments:  residual income of $12,960.06/ mo,
0686019166	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  22 months of verified cash reserves exceed guidelines CFCFS1750: High potential for increased earnings - Clayton Comments:  residual income of $12,960.06/ mo,
0935256896				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 805 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $83,258.82. Verified $240,251.43 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is in the same profession for 10 years
0316110307	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 31.24%, max 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  20 months PITI reserves verified, 12 months required.
0316110307	8.11.20 - Exception satisfied.	Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 31.24%, max 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  20 months PITI reserves verified, 12 months required.
0734205882				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit Score 806; guidelines allow a minimum Credit Score 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV 69.01%; guidelines allow a maximum LTV 80.00%.
0700365699	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for 27.11 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $404,324.74 in total assets documented.  Effective amount is $494m324,74, with liquid assets of $404,324.74.  Post close reserves are $201,651.41.  Reserves required $3,587.48 X 12 = $43,049.76.
0235654953				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 787 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 24.96%
0314535807	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 is 106 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.75% is 3.25 points below the maximum allowable DTI of 43%.
0314535807	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 is 106 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.75% is 3.25 points below the maximum allowable DTI of 43%.
0657678689	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job with 18.6 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement at 14.37% with the max DTI of 43%.
0159998015	10.28.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 791 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years in the same profession
0172474857	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 13 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been on job for 8.88 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  31 months mortgage history with no late pays. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $828,594.02 in total assets documented.  Effective amount is $828,594.02, with liquid assets of $828,594.02.  Post close reserves are $391,719.99.  Reserves required $5,900.20 x 12 = $70,802.40.
0696046690	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the current employer for 19.95 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  66.05 LTV below the guideline requirement
0696046690	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the current employer for 19.95 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  66.05 LTV below the guideline requirement
0091008709	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV/CLTV 54.45% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 33.42%
0955989134				CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 19.38% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTv 68%
0848995684	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $388,867.62.  Reserves required $8,616.98 x 18 = $155,105.64 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.79%, Max DTI 43%.
0509443395	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both Borrowers have been in their respective industries for a significant time. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 41.4% is below the maximum requirement of 43%
0269025572	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Excellent fico scores 801 and 817 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 22.15%
0572597962	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 802 is 122 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.44% is 4.56 points below the maximum allowable DTI of 43%.
0572597962	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 802 is 122 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.44% is 4.56 points below the maximum allowable DTI of 43%.
0209961006				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 of 37.10% is 5.9 points below the maximum allowable DTI of 43%.
0406175777	9.24.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 746 is 66 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 23.24% is 19.76 points below the maximum allowable DTI of 43%.
0326355267	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 809 is 129 points above the minimum required score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for almost 4 years with increasing income each year. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$741,079.30 in total assets documented. Effective amount is $687,173.86, with liquid assets of $606,315.70. Post close reserves are $277,700.33. Reserves required $12,221.30 x 18 = $219,983.40. Excess post-closing reserves $57,716.93.
0326355267	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 809 is 129 points above the minimum required score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for almost 4 years with increasing income each year. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$741,079.30 in total assets documented. Effective amount is $687,173.86, with liquid assets of $606,315.70. Post close reserves are $277,700.33. Reserves required $12,221.30 x 18 = $219,983.40. Excess post-closing reserves $57,716.93.
0326355267	9.30.20 - Exception remains. 10.2.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 809 is 129 points above the minimum required score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for almost 4 years with increasing income each year. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$741,079.30 in total assets documented. Effective amount is $687,173.86, with liquid assets of $606,315.70. Post close reserves are $277,700.33. Reserves required $12,221.30 x 18 = $219,983.40. Excess post-closing reserves $57,716.93.
0326355267	9.30.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 809 is 129 points above the minimum required score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for almost 4 years with increasing income each year. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$741,079.30 in total assets documented. Effective amount is $687,173.86, with liquid assets of $606,315.70. Post close reserves are $277,700.33. Reserves required $12,221.30 x 18 = $219,983.40. Excess post-closing reserves $57,716.93.
0326355267	9.30.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 809 is 129 points above the minimum required score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for almost 4 years with increasing income each year. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$741,079.30 in total assets documented. Effective amount is $687,173.86, with liquid assets of $606,315.70. Post close reserves are $277,700.33. Reserves required $12,221.30 x 18 = $219,983.40. Excess post-closing reserves $57,716.93.
0326355267	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 809 is 129 points above the minimum required score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for almost 4 years with increasing income each year. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$741,079.30 in total assets documented. Effective amount is $687,173.86, with liquid assets of $606,315.70. Post close reserves are $277,700.33. Reserves required $12,221.30 x 18 = $219,983.40. Excess post-closing reserves $57,716.93.
0534859575				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 773 is 93 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.61% is 13.39 points below the maximum allowable DTI of 43%.
0892350963	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 26 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x18.
0375940135				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower have 15 years in the same profession as a XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $456,601.81 exceed the required reserves of $143,762.58
0701821800	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same line of profession for 33 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $299,355.26.  Reserves required $5,756.68 x 18 = $103,620.24
0701821800	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same line of profession for 33 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $299,355.26.  Reserves required $5,756.68 x 18 = $103,620.24
0701821800	11.10.20 - Exception remains. 11.13.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same line of profession for 33 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $299,355.26.  Reserves required $5,756.68 x 18 = $103,620.24
0616325002	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $320.401.72.  Reserves required $4,007.62 X 12 = $48,091.44 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been at present residence for 15.02 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with employer for 15.11 years. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in same profession for 13 years.
0073034805				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 787 is 107 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 31.21% is 11.79 points below the maximum allowable DTI of 43%.
0231334101	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 98 months verified cash reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have a verified DTI of 28.65%.
0725630557	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 771 is 91 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.46% is 9.54 below the maximum of 80%.
0068430033	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 804 is 124 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 27.71% is 15.29 points below the maximum allowable DTI of 43%.
0559278351	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 27.13% which is below the guideline max allowed of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same company for over 8 Years
0559278351	10.6.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 27.13% which is below the guideline max allowed of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same company for over 8 Years
0559278351	10.6.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 27.13% which is below the guideline max allowed of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same company for over 8 Years
0831230243	11.4.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for 18 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x59
0596771914	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 766 is 86 points above the minimum required score of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$759,252.73 in total assets documented. Effective amount is $601,883.52, with liquid assets of $365,826.69. Cash required to close $102,713.01. Post close reserves are $401,883.52. Reserves required on subject property: $4211.66 x 30 = $126,349.80.Excess Post-closing reserves of $275,533.72.
0267811530	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 806 is 126 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 67.10% is 12.9 below the maximum of 80%.
0069119873				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 803 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $173,137.44. Verified $633,016.85
0060601564				CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $1,097,426.12 or 280.93 months PITI CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 15.78% below guideline requirement of 43% by 27.22%
0803735263	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 799 is 79 points above the minimum required score of 720 (aggregate liens $3-$4 million). CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.14% is 9.86 points below the maximum allowable DTI of 43%.
0803735263	9.14.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 799 is 79 points above the minimum required score of 720 (aggregate liens $3-$4 million). CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.14% is 9.86 points below the maximum allowable DTI of 43%.
0803735263	9.14.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 799 is 79 points above the minimum required score of 720 (aggregate liens $3-$4 million). CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.14% is 9.86 points below the maximum allowable DTI of 43%.
0803735263	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 799 is 79 points above the minimum required score of 720 (aggregate liens $3-$4 million). CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.14% is 9.86 points below the maximum allowable DTI of 43%.
0290935180	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.23% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico 794
0290935180	11.6.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.23% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico 794
0698008705	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.51% is below maximum DTI of 43% required for QM products. CFCFS2860: Good credit history - Clayton Comments:  Borrower has excellent credit history, all debts paid as agreed.
0435933950				CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's verified cash reserves of $453,272.94 exceed the required 18 months PITI reserves of $107,401.50 CFCFS2854: Significant time in profession - Clayton Comments:  Both B1 and B2 have 16 years in same profession of XXX
0722444184	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 775 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.19%
0722444184	10.5.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 775 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.19%
0911493224	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 778 is 98 points above the minimum required score of 680. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Rate term refinance with housing reduction of $422.15 per month.
0805203628	11.6.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 28 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $541,285.97 or 143.08 months PITI
0569117909	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 775 is 95 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.45% is 5.5 points below the maximum allowable DTI of 43%.
0569117909	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 775 is 95 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.45% is 5.5 points below the maximum allowable DTI of 43%.
0453397647	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 19.98% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 810
0453397647	(No Data)	Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 19.98% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 810
0205726976	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 726 is 46 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 31.19% is 11.81 points below the maximum allowable DTI of 43%.
0356104488				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 20 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x43.
0706815855				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 15 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $964,986.40 or 171.18 months PITIA
0505002330				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers median credit score is 697; guideline minimum is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 35.98; guideline max is 43.00%.
0149368455	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores exceed guidelines at 766 & 783 with a minimum credit score of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement at 33.062% with a max DTI of 43%.
0782961994	12.24.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $507,362.07.  Reserves required on a 3-4 Unit $6186.54 x 36 = $222,715.44 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 61.92%, max allowed on a 3-8 Unit R/T on a primary is 70%
0782961994	12.27.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $507,362.07.  Reserves required on a 3-4 Unit $6186.54 x 36 = $222,715.44 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 61.92%, max allowed on a 3-8 Unit R/T on a primary is 70%
0782961994	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $507,362.07.  Reserves required on a 3-4 Unit $6186.54 x 36 = $222,715.44 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 61.92%, max allowed on a 3-8 Unit R/T on a primary is 70%
0782961994	12.24.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $507,362.07.  Reserves required on a 3-4 Unit $6186.54 x 36 = $222,715.44 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 61.92%, max allowed on a 3-8 Unit R/T on a primary is 70%
0782961994	12.24.19 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $507,362.07.  Reserves required on a 3-4 Unit $6186.54 x 36 = $222,715.44 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 61.92%, max allowed on a 3-8 Unit R/T on a primary is 70%
0892192051	2.10.20 - Exception satisfied.	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $1,170,668.41.  Reserves required:  Second home  $186,263.76 (24 xx $7760.99 x 24). CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 31.82%.  Maximum DTI per guidelines is 43%.
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
0955156588	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in current job or 18 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 787 and minimum required is 680.
0481098853	(No Data)	(No Data)	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
0391328966	8.4.20  Exception remains. 8.10.20 - Exception remains. 8.13.20 - Exception remains. 8.18.20 - Exception remains. 8.27.20 - Exception remains. 12.3.20 - Exception remains. 12.22.20 - Exception remains.	Not Applicable	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 43.10%, maximum allowed LTV 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 32.17% below maximum allowed of 43%.
0962810216	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $134,088.77 exceeds guideline requirements of $47,974.56 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.21% below guideline max
0460511689				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Credit Score 739; guidelines allow a minimum Credit Score 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI 39.43%; guidelines allow a maximum DTI 43.00%.
0028477011	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 780  exceeds guidelines 720 by 60pts CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession: 15yrs
0594005576	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 788 and required minimum is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 35.37% and maximum allowed is 43%.
0669124532	(No Data)	(No Data)	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
0517855345	(No Data)	(No Data)	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%.
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.
0008280028	8.14.20 - Exception remains. 9.9.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.59% DTI below guideline requirement CFCFS1737: LTV below guideline requirements - Clayton Comments:  65.66% LTV below guideline max of 80%
0008280028	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.59% DTI below guideline requirement CFCFS1737: LTV below guideline requirements - Clayton Comments:  65.66% LTV below guideline max of 80%
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.
0650512691	8.3.20 - Exception remains. 8.10.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $47,221.44- Verified $73,230.44 CFCFS2854: Significant time in profession - Clayton Comments:  B2 is in the same profession for 10 years
0650512691	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $47,221.44- Verified $73,230.44 CFCFS2854: Significant time in profession - Clayton Comments:  B2 is in the same profession for 10 years
0650512691	(No Data)	Not Applicable	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $47,221.44- Verified $73,230.44 CFCFS2854: Significant time in profession - Clayton Comments:  B2 is in the same profession for 10 years
0008293269	3.26.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 22 years experience in profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 22.02%, max allowed per G/L is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close reserves are $165,451.50. Reserves required $7,264.72 * 12 = $84,884.64 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 749 is 69 points above the minimum required score of 680.
0008293269	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 22 years experience in profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 22.02%, max allowed per G/L is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close reserves are $165,451.50. Reserves required $7,264.72 * 12 = $84,884.64 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 749 is 69 points above the minimum required score of 680.
0905610877	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 790 and minimum required is 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for 32 years.
0498048106	7.31.20 - Exception remains. 8.5.20 - Exception satisfied.	Numeric	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.
0311712614	(No Data)	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned present residence for 10.28 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer 11.16 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been with same employer for 12.23 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 84 months mortgage history with no late pays. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $889,096.68 in total assets documented.  Effective amount is $889,096.68, with liquid assets of $889,096.68.  Post close reserves are $378,146.82.  Reserves required $11,576.31 X 12 = $138,915.72.
0297718166	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 35 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $662,535.87 in total assets documented.  Effective amount is $540,010.92, with liquid assets of $254,119.38.  Post close reserves are $342,672.51.  Reserves required $3,568.92 X 12 = $42,827.04.
0399149633	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 with same employer for 11 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $49,497.72. Verified $158,237.25
0399149633	(No Data)	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 with same employer for 11 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $49,497.72. Verified $158,237.25
0596861615				CFCFS1744: DTI below guideline requirement - Clayton Comments:  26.96% DTI below guideline max of 45% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been on the job 14 years
0505400757	(No Data)	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been at same job for 8 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 30.27%; guidelines allow 43%.
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.
0237603193	10.2.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Excellent repayment history CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  All mortgage obligations paid as agreed
0078557540	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 773 and minimum required is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-closing reserves is $193,906.11; required reserves $5494.14 x 12 = $65,929.68.
0595318540	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in current job for 12 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 790 and minimum required is 680.
0710942108				CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 41.3% which is below the required maximum of 43% CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history
0590004680	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 807 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV/CLTV 58.63%
0799073100	(No Data)	(No Data)	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
0826108892	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in same profession for 15 years.   Co-borrower has been in same profession for 5 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $533,746.35 in total assets documented.  Effective amount is $516,066.77, with liquid assets of $474,814.41.  Post close reserves are $174,767.81.  Reserves required $7,674.74 X 12 = $92,096.88.
0319963789	(No Data)	(No Data)	Not Applicable	(No Data)
0319963789	11.4.20  Exception satisfied.	(No Data)	Not Applicable	(No Data)
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%.
0653687659	7.24.20 - Exception remains. 9.14.20 - Exception satisfied.	(No Data)	Not Applicable	(No Data)
0370111594	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 777 is 97 points above the minimum required score of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$994,360.21 in total assets documented. Effective amount is $881,079.70, with liquid assets of $616,758.52. Post close reserves are $576,154.19. Reserves required $7180.81 x 18 = $129,254.58. Excess reserves of $446,899.61.
0195700153	9.22.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 756 is 76 points above the minimum required score of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$264,194.78 in total assets documented. Effective amount is $264,194.78, with liquid assets of $264,194.78. Post close reserves are $264,194.78. Reserves required $3225.57 x 18 (previous guidelines) = $58,060.26.
0195700153	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 756 is 76 points above the minimum required score of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$264,194.78 in total assets documented. Effective amount is $264,194.78, with liquid assets of $264,194.78. Post close reserves are $264,194.78. Reserves required $3225.57 x 18 (previous guidelines) = $58,060.26.
0195700153	9.22.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 756 is 76 points above the minimum required score of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$264,194.78 in total assets documented. Effective amount is $264,194.78, with liquid assets of $264,194.78. Post close reserves are $264,194.78. Reserves required $3225.57 x 18 (previous guidelines) = $58,060.26.
0195700153	9.22.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 756 is 76 points above the minimum required score of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$264,194.78 in total assets documented. Effective amount is $264,194.78, with liquid assets of $264,194.78. Post close reserves are $264,194.78. Reserves required $3225.57 x 18 (previous guidelines) = $58,060.26.
0195700153	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 756 is 76 points above the minimum required score of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$264,194.78 in total assets documented. Effective amount is $264,194.78, with liquid assets of $264,194.78. Post close reserves are $264,194.78. Reserves required $3225.57 x 18 (previous guidelines) = $58,060.26.
0392919710				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 7 years and 6 months. CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 16 yrs.
0279010260	7.10.20 - Exception remains. 10.2.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  49.95 % LTV below guideline max of 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  26% DTI below guideline requirements of 43%
0692927227	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Credit Score 803; guidelines allow a minimum Credit Score 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI 30.08%; guidelines allow a maximum DTI 43.00%.
0455781406	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for 7.76 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been with same employer for 6.99 years.
0227172047	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV/CLTV 56.82% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 29.41
0227172047	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV/CLTV 56.82% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 29.41
0323048408				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1 FICO 719 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $45,282.24. Verified reserves in the amount of $213.438.16
0535604744	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 740 is 60 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 41.43% is 38.57 below the maximum of 80%.
0535604744	9.23.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 740 is 60 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 41.43% is 38.57 below the maximum of 80%.
0535604744	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 740 is 60 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 41.43% is 38.57 below the maximum of 80%.
0849998169	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been o the same job for 10 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x51.
0849998169	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been o the same job for 10 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x51.
0849998169	11.17.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been o the same job for 10 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x51.
0062148837				CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $80,344.20. Verified $211,731.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 802
0433817330				CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 4 years. CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower Net Worth of $6,996,261.65 liquid assets.
0838218787				CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 32.28% guideline max allowed 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  No PCL required borrower having $252,915.92 in cash reserves.
0388688654	(No Data)	(No Data)	Not Applicable	(No Data)
0334422712	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 32.48 which is below the required maximum of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 1 has 19 years at current job well in excess of requirements
0070584510	8.14.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  18.36 %DTI is below guideline max of 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  68.22 % LTV below guideline requirements of 80%
0901435205				CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 18.19 % . Below guideline requirements of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines . Credit score is 797.
0722953477				CFCFS1737: LTV below guideline requirements - Clayton Comments:  49.65 /50.92% LTV & CLTV below guideline max of 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.35 % DTI below guideline max of 43%
0914250216	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 35 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $1,542,141.05 in total assets documented.  Effective amount is $1,212,054.62, with liquid assets of $441,852.94.  Post close reserves are $1,212,054.62  Reserves required $5,347.79 X 12 = $64,173.48; Reserves required for departing residence $1,981.81 X 6 = $11,890.86.
0914250216	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 35 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $1,542,141.05 in total assets documented.  Effective amount is $1,212,054.62, with liquid assets of $441,852.94.  Post close reserves are $1,212,054.62  Reserves required $5,347.79 X 12 = $64,173.48; Reserves required for departing residence $1,981.81 X 6 = $11,890.86.
0781340231	7.10.20 - Exception remains. 9.9.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  26.06 % DTI below guideline requirement of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 5 years
0548873977	7.15.20 - Exception remains. 10.20.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has significant time at current residence with 15.2 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines at 800 with a minimum credit score of 720.
0789937139				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 of 39.31% is 3.69 points below the maximum allowable DTI of 43%.
0141674452	7.28.20 - Exception remains. 8.31.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Per The Work Number VOE, borrower has been with their present employer for greater than 17 years. CFCFS2860: Good credit history - Clayton Comments:  Per the credit report, borrower has had no derogatory credit reported.
0708733554				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 18 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 31.85%, max 45%.
0478749220	8.11.20 - Exception remains. 10.2.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 29.4% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score 774 exceeds guidelines.
0327241907				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in current job for 12 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been in current job for 16 years.
0264928705	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 24.78% well below the guideline max allowed of 43% CFCFS1739: Postive mortgage payment history - Clayton Comments:  Credit report shows a positive mortgage payment history for over 24 months.
0423819313	7.31.20 - Exception remains. 10.21.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession 19 years CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence 3 years
0947043588				CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.26 % DTI below guideline max of 43 % CFCFS1737: LTV below guideline requirements - Clayton Comments:  44.71% LTV below guideline max of 80%
0921327304	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower is employed with same company for 11 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $88,702.80. Verified $537,230.26
0921327304	(No Data)	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower is employed with same company for 11 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $88,702.80. Verified $537,230.26
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.
0578003446	(No Data)	(No Data)	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
0334333278				CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.19% < guideline requirement max 43% CFCFS2854: Significant time in profession - Clayton Comments:  Primary wage earner has been employed in his industry for the past 30+ years.
0479955912	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 15 years for Borrower 1. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 4 years and 8 months.
0059353931				CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower is 0x30 on all mortgage history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has a verified DTI of 21.62%.
0297939688				CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  PCL requirement is 12 months or $55,483.44, borrowers cash reserves are $266,833.31 CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per credit report borrower has had no lates, no foreclosures and no short sales. Mortgage history is over 24 months and no issues.
0010826823				CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 17.27% < guideline requirement of 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75.18% < guideline max 80%
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.
0374926914	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 18.63% which is well below the guideline max allowed of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are $349,496.52 with PCL requirement of $71,119.56. Borrowers cash reserves exceed the guidelines.
0166671017				CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 10 years and one month. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $397,936.33, exceed guideline requirement of $100,537.08
0331703728	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  26.49% DTI below guideline max of 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  807 fico score exceeds guidelines score of 740
0500160486	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in current job for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 797 and minimum required is 680.
0087401493				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 796 is 116 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 22.14% is 20.86 points below the maximum allowable DTI of 43%.
0934604695	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  777 credit score.  Minimum required is 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history 0x30 84mos; maximum required 12mos CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  41 months subject PITI reserves
0123683594	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 12 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a 780 credit score.
0171698680	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 70% and maximum allowed is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 786 and minimum required is 680.
0777507334				CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.69 % DTI below guideline requirement of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 7 plus 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%
0087079366	(No Data)	(No Data)	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	(No Data)	Numeric	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%
0411115272	9.14.20 - Exception satisfied.	Not Applicable	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI at 20.86% which is well below the guideline max allowed of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower having been with same employer for over 14 years.
0552582570				CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been on the same job for 10 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history is 0x30x56
0831923509	11.4.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 18.66% below guideline requirement 43% by 24.34% CFCFS2854: Significant time in profession - Clayton Comments:  B1 has Significant time in profession of 30 years
0566235119	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $172,649.70. Verified $515,842.61 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower is XXX for 12 years
0258571462				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 797 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $67,598.88. Verified $677,174.84
0674517418	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 37.72% is below maximum DTI of 43% required for QM products. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for over 8 years.
0598747092	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 796 is 116 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.60% is 5.4 points below the maximum allowable DTI of 43%.
0308346631	(No Data)	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV/CLTV 66.67% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is in the same profession as an XXX for 14 years
0198209562				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 9 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x84.
0852578705				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 794 is 114 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 22.39% is 20.61 points below the maximum allowable DTI of 43%.
0181469741	(No Data)	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 42% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico 799
0181469741	11.10.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 42% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico 799
0172973631	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 796 is 116 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 31.53% is 11.47 points below the maximum allowable DTI of 43%.
0195260056	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 793 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $77,238.24. Verified $133,615.52
0195260056	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 793 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $77,238.24. Verified $133,615.52
0979354282	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 788 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $135,460.44. Verified $174,784.17
0979354282	11.5.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 788 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $135,460.44. Verified $174,784.17
0902479734	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 747 is 67 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.41% is 14.59 points below the maximum allowable DTI of 43%.
0902479734	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 747 is 67 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.41% is 14.59 points below the maximum allowable DTI of 43%.
0902479734	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 747 is 67 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.41% is 14.59 points below the maximum allowable DTI of 43%.
0902479734	11.5.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 747 is 67 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.41% is 14.59 points below the maximum allowable DTI of 43%.
0902479734	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 747 is 67 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.41% is 14.59 points below the maximum allowable DTI of 43%.
0448449905	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 801 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $130,284.90. Verified $2,014,290.08
0448449905	11.23.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 801 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $130,284.90. Verified $2,014,290.08
0318929563	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 801 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 18.77%
0318929563	11.6.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 801 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 18.77%
0419254311	(No Data)	(No Data)	Not Applicable	(No Data)
0083431261	11.4.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 793 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $159,450.60. Verified $275,050.00
0176464215				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 797 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $168,006.60. Verified $480,200.74
0643755415				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for 18 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 802 and minimum required is 680.
0391030430	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 13.18%; guidelines allow 43%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned current primary residence for 13 years.
0596751492	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 806 is 126 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% is 5 below the maximum of 80%.
0133806802	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 35.15% is below maximum DTI 43% required for QM products. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 69.40% is below maximum LTV of 80% per guideline.
0133806802	11.23.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 35.15% is below maximum DTI 43% required for QM products. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 69.40% is below maximum LTV of 80% per guideline.
0810627045	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $52,188.30. Verified $74,105.52 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 26.44%
0627907732	(No Data)	(No Data)	Not Applicable	CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B2 WVOE not used to qualify, $7030.42 monthly CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 16.95%
0627907732	11.6.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B2 WVOE not used to qualify, $7030.42 monthly CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 16.95%
0432132209	(No Data)	(No Data)	Not Applicable	CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x84. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 24 years.
0432132209	11.10.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x84. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 24 years.
0314944184	10.23.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV/CLTV 57.24% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 817
0841719747	11.11.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 23.44% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 797
0323637836	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.19% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Primary borrower fico 806, median for co-borrower 750
0323637836	11.6.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.19% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Primary borrower fico 806, median for co-borrower 750
0253839394	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 793 is 113 points above the minimum required score of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$687,933.75 in total assets documented. Effective amount is $490,173.86, with liquid assets of $193,534.03. Cash required to close $153,751.67 (includes EMD not cleared). Post close reserves are $336,422.19. Reserves required on subject property: $3690.65 x 24 (additional 6 months due to keeping departure home) = $88,575.60.Excess Post-closing reserves of $247,846.59.
0165073789	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $651,783.99; 166 months PITI CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower have 6 years with current employer.
0210642526	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $295,691.19 exceed required reserves of 18 months. CFCFS2860: Good credit history - Clayton Comments:  Credit report reflect overall credit is good and borrowers demonstrate the ability to manage finances; no derogatory credit reflected.
0672271657	10.21.20  Exception Satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in current profession for 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 802 and minimum required is 680.
0902640178	11.6.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 759 is 79 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 60.31% is 19.69 below the maximum of 80%.
0892324179	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.18% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B has stable employment as a XXX
0892324179	11.5.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.18% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B has stable employment as a XXX
0778038727	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 759 is 79 points above the minimum required score of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$1,485,328.43 in total assets documented. Effective amount is $1,094,652.34, with liquid assets of $1,052,044.34. Cash required to close $372,104.77. Post close reserves are $722,547.57. Reserves required on subject property: $8824.28 x 18 = $158,837.04.Excess Post-closing reserves of $563,710.53.
0778038727	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 759 is 79 points above the minimum required score of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$1,485,328.43 in total assets documented. Effective amount is $1,094,652.34, with liquid assets of $1,052,044.34. Cash required to close $372,104.77. Post close reserves are $722,547.57. Reserves required on subject property: $8824.28 x 18 = $158,837.04.Excess Post-closing reserves of $563,710.53.
0928569869	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 31.82% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $149,264.46. Verified $357,465.67
0871667533	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 17 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 17.68% below guideline requirement of 43% by 25.32%
0702702409	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 786 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years in the same profession
0217297674	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 780 is 100 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 71.84% is 8.16 below the maximum of 80%.
0217297674	11.4.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 780 is 100 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 71.84% is 8.16 below the maximum of 80%.
0846348091	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is in the same profession for 20 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 797
0846348091	10.19.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is in the same profession for 20 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 797
0371702040	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $75,540.96. Verified $115,424.08 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is in the same profession for 16 years
0371702040	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $75,540.96. Verified $115,424.08 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is in the same profession for 16 years
0016883835	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 810 is 130 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75.62% is 4.38 below the maximum of 80%.
0016883835	11.9.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 810 is 130 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75.62% is 4.38 below the maximum of 80%.
0835308027	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 790 is 110 points above the minimum required score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 23.16% is 19.84 points below the maximum allowable DTI of 43%.
0951877372	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower having cash reserves of $204,070.31 which exceeds the PCL requirement of $136,549.26 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower having prior/existing mortgages for over 3 years with zero lates and no foreclosures.
0136671540	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 15 years in the same profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post reserves are $786,403.07 or 148.95 months PITI. Guidelines require 18 months $5,279.50 x 18 = $95,031.00.
0698674168				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 742 is 62 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 59.22% is 20.78 below the maximum of 80%.
0727541843	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower is in the same profession as a XXX for 18 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $121,174.56. Verified $547,031.66
0225220355	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 799 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $148,516.50. Verified $756,172.00
0225220355	10.19.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 799 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $148,516.50. Verified $756,172.00
0047162086	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 777 is 97 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 68.31% is 11.69 below the maximum of 80%.
0486972146	10.20.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $132,143.40. Verified $323,127.86 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 794
0732354163	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 798 is 118 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% is 5 below the maximum of 80%.
0732354163	11.6.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 798 is 118 points above the minimum required score of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% is 5 below the maximum of 80%.
0828386484	11.4.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Borrower FICO is 817 with no derogatory trads reporting; no public records, and 0x30 previous mortgage history. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 15 years in same profession as a XXX.
0647644232	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has significant time at current job of 10 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $165,486.39 or 34.28 months PITI
0038224148	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 105 months verified cash reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrowers are 0x30 on most recent mortgage history.
0907456397	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for 8 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $1,041,468.10 Total assets documented,  Effective amount is $812,690.25, with Liquid Assets of $469,523.47.  Post reserves are $419,375.99 or 39.16 months PITI.   Guidelines require 30 moths PITI $10,708.74x30= $321,262.20
0214086633	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower cash reserves of $3,950,835.89 exceed required reserves of $85,971.96 CFCFS2860: Good credit history - Clayton Comments:  Borrower's credit history reflect no adverse credit history; FICO 729, and rental history reflecting 0x30 past 2.9 years.
0112876272	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.67% is below maximum allowed DTI of 43% for QM products. CFCFS2860: Good credit history - Clayton Comments:  Credit history from 2009, all debts paid as agreed.
0112876272	11.10.20  Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.67% is below maximum allowed DTI of 43% for QM products. CFCFS2860: Good credit history - Clayton Comments:  Credit history from 2009, all debts paid as agreed.
0482713964	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  PCL required is $125,874.00;  borrowers cash reserves are $212,254.28 which exceed the guideline requirement CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 6 years 5 month
0421931063	(No Data)	Non-Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been employed in current profession for 13 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 811; required score 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $191,659.01  or 46.15 months, guidelines require 12 months PITIA.
0713178371	(No Data)	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing Reserves $153,790.61.  Reserves required $34,532.76 (12 x $2877.73 ). CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 31.59%.  Maximum DTI per guidelines is 43%.
0257860964				CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 15.89%, max allowed per G/L is 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 804, minimum required G/L is 700
0938822959	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession: 16yrs CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 792  exceeds guidelines 740 by 52pts
0616406934				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at the same job for 13 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been at the same job for over 7 years
0757775016	1.13.20 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $213,595.18.  Reserves required $9306.55 x 12 = $111,714.60 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 24.56%, max allowed per G/L is 43%
0214703126				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  774 qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 35.9%  below guideline requirement 43% by 8pts
0827711180	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession: 20YRS CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 28.69% below guidelines requirement of 43% by 14pts
0826698707				CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 26.16% below guideline requirement of 43% by 16.84% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $326,492.22 or 86.58 months PITI

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2021-RR1
Start - End Dates:	4.2017 TO 4.2021
Deal Loan Count:	329
Conditions Report 2.0
Loans in Report:	329
Loans with Conditions:	250

Alt Loan Number	TRID Indicator	Lender Application Date	Broker Application Date	Initial Securitization Overall Loan Grade	Final Securitization Overall Loan Grade	Initial Securitization Credit Loan Grade	Final Securitization Credit Loan Grade	Initial Securitization Property Valuations Loan Grade
0891830542	Yes	XXXXXX	XXXXXX	D	B	D	A	C
0358266475	Yes	XXXXXX	XXXXXX	B	B	B	B	A
0445009472	Yes	XXXXXX	XXXXXX	D	B	B	B	A
0565792248	Yes	XXXXXX	XXXXXX	D	B	D	B	A
0989559892	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0172102535	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0234789318	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0167511513	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0188994424	Yes	XXXXXX	XXXXXX	B	B	B	B	A
0278458811	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0276605721	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0979650819	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0805840121	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0894886858	Yes	XXXXXX	XXXXXX	D	A	A	A	A
0762387763	Yes	XXXXXX	XXXXXX	C	B	A	A	A
0688514980	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0742242406	Yes	XXXXXX	XXXXXX	D	A	A	A	A
0404547058	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0638297842	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0746298925	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0863486295	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0340006234	Yes	XXXXXX	XXXXXX	C	A	A	A	A
0404943214	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0930158501	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0707375415	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0388007370	Yes	XXXXXX	XXXXXX	D	A	D	A	A
0475617019	Yes	XXXXXX	XXXXXX	C	B	A	A	A
0688663791	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0902260454	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0617386511	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0267572469	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0290791026	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0164543000	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0202441613	Yes	XXXXXX	XXXXXX	C	A	A	A	A
0289292446	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0365530848	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0617986787	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0496740217	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0917131732	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0926035927	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0603795050	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0032308265	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0526040098	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0448045178	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0417818039	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0237859061	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0744499361	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0175902539	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0087867838	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0970818417	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0132083552	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0864403324	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0305255025	Yes	XXXXXX	XXXXXX	D	A	D	A	A
0357907958	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0882156006	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0389550109	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0950955298	Yes	XXXXXX	XXXXXX	C	B	A	A	A
0617718950	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0817980164	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0341455011	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0334588786	Yes	XXXXXX	XXXXXX	D	B	B	B	A
0146430692	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0016426301	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0502063980	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0047501038	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0063703620	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0205194025	Yes	XXXXXX	XXXXXX	D	B	B	B	A
0215441392	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0629151148	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0133938555	Yes	XXXXXX	XXXXXX	D	A	D	A	A
0598841281	Yes	XXXXXX	XXXXXX	C	B	A	A	A
0568261939	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0763457022	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0928929046	Yes	XXXXXX	XXXXXX	D	A	A	A	A
0197658429	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0821567263	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0692343551	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0358557373	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0001442055	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0646168920	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0656643622	Yes	XXXXXX	XXXXXX	B	B	B	B	A
0909799015	Yes	XXXXXX	XXXXXX	B	B	B	B	A
0435065781	Yes	XXXXXX	XXXXXX	D	B	D	B	A
0304112440	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0892599109	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0598221185	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0155313978	Yes	XXXXXX	XXXXXX	C	B	A	A	A
0435667839	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0316303659	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0467567734	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0235567649	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0934501608	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0568327749	Yes	XXXXXX	XXXXXX	C	A	C	A	A
0636990742	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0987410312	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0356225648	Yes	XXXXXX	XXXXXX	D	B	B	B	A
0929898885	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0331302840	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0567431813	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0772792638	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0611439570	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0880615284	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0286395358	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0727102781	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0091999898	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0084932463	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0498176253	Yes	XXXXXX	XXXXXX	B	B	B	B	A
0868414709	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0398810574	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0492401808	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0855405900	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0221165349	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0229239392	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0465953484	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0088333501	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0210509784	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0043528627	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0714439402	Yes	XXXXXX	XXXXXX	C	A	A	A	A
0256793336	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0172307711	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0320395059	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0423170417	Yes	XXXXXX	XXXXXX	C	B	A	A	A
0387718274	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0170383070	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0925636422	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0319401242	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0923847944	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0686019166	Yes	XXXXXX	XXXXXX	B	B	B	B	A
0935256896	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0316110307	Yes	XXXXXX	XXXXXX	C	A	A	A	A
0734205882	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0700365699	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0235654953	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0314535807	Yes	XXXXXX	XXXXXX	B	B	B	B	A
0657678689	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0159998015	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0172474857	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0696046690	Yes	XXXXXX	XXXXXX	B	B	A	A	A
0091008709	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0955989134	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0848995684	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0509443395	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0269025572	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0572597962	Yes	XXXXXX	XXXXXX	B	B	B	B	A
0209961006	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0406175777	Yes	XXXXXX	XXXXXX	B	A	B	A	A
0326355267	Yes	XXXXXX	XXXXXX	C	B	C	B	A
0534859575	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0892350963	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0375940135	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0701821800	Yes	XXXXXX	XXXXXX	C	B	A	A	A
0616325002	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0073034805	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0231334101	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0725630557	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0068430033	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0559278351	Yes	XXXXXX	XXXXXX	D	B	A	A	A
0831230243	Yes	XXXXXX	XXXXXX	C	A	A	A	A
0596771914	Yes	XXXXXX	XXXXXX	B	B	B	B	A
0267811530	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0069119873	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0060601564	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0803735263	Yes	XXXXXX	XXXXXX	D	B	D	B	A
0290935180	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0698008705	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0435933950	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0722444184	Yes	XXXXXX	XXXXXX	D	A	D	A	A
0911493224	Yes	XXXXXX	XXXXXX	B	B	B	B	A
0805203628	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0569117909	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0453397647	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0205726976	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0356104488	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0706815855	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0505002330	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0149368455	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0782961994	Yes	XXXXXX	XXXXXX	D	B	D	B	A
0892192051	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0203802152	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0955156588	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0481098853	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0391328966	Yes	XXXXXX	XXXXXX	C	C	A	A	C
0962810216	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0460511689	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0028477011	Yes	XXXXXX	XXXXXX	B	B	B	B	A
0594005576	Yes	XXXXXX	XXXXXX	B	B	B	B	A
0669124532	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0517855345	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0029264920	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0008280028	Yes	XXXXXX	XXXXXX	C	B	B	B	A
0939621352	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0650512691	Yes	XXXXXX	XXXXXX	D	B	B	B	A
0008293269	Yes	XXXXXX	XXXXXX	C	B	B	B	A
0905610877	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0498048106	Yes	XXXXXX	XXXXXX	C	B	A	A	A
0311712614	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0297718166	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0399149633	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0596861615	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0505400757	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0227320863	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0237603193	Yes	XXXXXX	XXXXXX	D	A	D	A	A
0078557540	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0595318540	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0710942108	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0590004680	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0799073100	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0826108892	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0319963789	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0714739945	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0653687659	Yes	XXXXXX	XXXXXX	C	B	A	A	A
0370111594	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0195700153	Yes	XXXXXX	XXXXXX	D	B	D	B	A
0392919710	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0279010260	Yes	XXXXXX	XXXXXX	C	B	A	A	A
0692927227	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0455781406	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0227172047	Yes	XXXXXX	XXXXXX	B	B	B	B	A
0323048408	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0535604744	Yes	XXXXXX	XXXXXX	D	B	D	B	A
0849998169	Yes	XXXXXX	XXXXXX	C	B	B	B	C
0062148837	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0433817330	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0838218787	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0388688654	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0334422712	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0070584510	Yes	XXXXXX	XXXXXX	C	B	A	A	A
0901435205	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0722953477	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0914250216	Yes	XXXXXX	XXXXXX	B	B	A	A	A
0781340231	Yes	XXXXXX	XXXXXX	C	B	A	A	A
0548873977	Yes	XXXXXX	XXXXXX	C	B	A	A	A
0789937139	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0141674452	Yes	XXXXXX	XXXXXX	C	B	A	A	A
0708733554	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0478749220	Yes	XXXXXX	XXXXXX	C	B	A	A	A
0327241907	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0264928705	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0423819313	Yes	XXXXXX	XXXXXX	C	A	C	A	A
0947043588	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0921327304	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0047160022	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0578003446	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0334333278	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0479955912	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0059353931	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0297939688	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0010826823	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0224364000	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0374926914	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0166671017	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0331703728	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0500160486	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0087401493	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0934604695	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0123683594	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0171698680	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0777507334	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0224787836	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0087079366	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0411115272	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0552582570	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0831923509	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0566235119	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0258571462	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0674517418	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0598747092	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0308346631	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0198209562	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0852578705	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0181469741	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0172973631	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0195260056	Yes	XXXXXX	XXXXXX	B	B	A	A	B
0979354282	Yes	XXXXXX	XXXXXX	D	A	D	A	A
0902479734	Yes	XXXXXX	XXXXXX	C	B	C	B	B
0448449905	Yes	XXXXXX	XXXXXX	B	A	A	A	B
0318929563	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0419254311	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0083431261	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0176464215	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0643755415	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0391030430	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0596751492	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0133806802	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0810627045	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0627907732	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0432132209	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0314944184	Yes	XXXXXX	XXXXXX	C	A	A	A	A
0841719747	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0323637836	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0253839394	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0165073789	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0210642526	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0672271657	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0902640178	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0892324179	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0778038727	Yes	XXXXXX	XXXXXX	B	B	B	B	A
0928569869	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0871667533	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0702702409	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0217297674	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0846348091	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0371702040	Yes	XXXXXX	XXXXXX	B	B	B	B	A
0016883835	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0835308027	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0951877372	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0136671540	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0698674168	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0727541843	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0225220355	Yes	XXXXXX	XXXXXX	B	A	A	A	B
0047162086	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0486972146	Yes	XXXXXX	XXXXXX	C	A	A	A	A
0732354163	Yes	XXXXXX	XXXXXX	C	B	B	B	C
0828386484	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0647644232	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0038224148	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0907456397	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0214086633	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0112876272	Yes	XXXXXX	XXXXXX	C	A	A	A	C
0482713964	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0421931063	Yes	XXXXXX	XXXXXX	B	B	A	A	A
0713178371	Yes	XXXXXX	XXXXXX	B	B	A	A	A
0257860964	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0938822959	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0616406934	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0757775016	Yes	XXXXXX	XXXXXX	C	A	A	A	A
0214703126	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0827711180	Yes	XXXXXX	XXXXXX	A	A	A	A	A
0826698707	Yes	XXXXXX	XXXXXX	A	A	A	A	A

Alt Loan Number	Final Securitization Property Valuations Loan Grade	Initial Securitization Compliance Loan Grade	Final Securitization Compliance Loan Grade	Initial S&P Overall Loan Grade	Final S&P Overall Loan Grade	Initial S&P Credit Loan Grade
0891830542	A	D	B	D	B	D
0358266475	A	A	A	B	B	B
0445009472	A	D	A	D	B	B
0565792248	A	D	A	D	B	D
0989559892	A	A	A	A	A	A
0172102535	A	A	A	A	A	A
0234789318	A	A	A	A	A	A
0167511513	A	A	A	A	A	A
0188994424	A	A	A	B	B	B
0278458811	A	A	A	A	A	A
0276605721	A	A	A	A	A	A
0979650819	A	A	A	A	A	A
0805840121	A	A	A	A	A	A
0894886858	A	D	A	D	A	A
0762387763	A	C	B	C	B	A
0688514980	A	A	A	A	A	A
0742242406	A	D	A	D	A	A
0404547058	A	A	A	A	A	A
0638297842	A	A	A	C	A	A
0746298925	A	A	A	A	A	A
0863486295	A	A	A	A	A	A
0340006234	A	C	A	C	A	A
0404943214	A	A	A	A	A	A
0930158501	A	A	A	A	A	A
0707375415	A	A	A	A	A	A
0388007370	A	A	A	D	A	D
0475617019	A	C	B	C	B	A
0688663791	A	A	A	A	A	A
0902260454	A	A	A	A	A	A
0617386511	A	A	A	A	A	A
0267572469	A	A	A	A	A	A
0290791026	A	A	A	C	A	A
0164543000	A	A	A	A	A	A
0202441613	A	C	A	C	A	A
0289292446	A	A	A	A	A	A
0365530848	A	A	A	A	A	A
0617986787	A	A	A	A	A	A
0496740217	A	A	A	A	A	A
0917131732	A	A	A	A	A	A
0926035927	A	A	A	A	A	A
0603795050	A	A	A	A	A	A
0032308265	A	A	A	A	A	A
0526040098	A	A	A	A	A	A
0448045178	A	A	A	A	A	A
0417818039	A	A	A	A	A	A
0237859061	A	A	A	A	A	A
0744499361	A	A	A	A	A	A
0175902539	A	A	A	A	A	A
0087867838	A	A	A	A	A	A
0970818417	A	A	A	A	A	A
0132083552	A	A	A	A	A	A
0864403324	A	A	A	A	A	A
0305255025	A	D	A	D	A	D
0357907958	A	A	A	A	A	A
0882156006	A	A	A	A	A	A
0389550109	A	A	A	A	A	A
0950955298	A	C	B	C	B	A
0617718950	A	A	A	A	A	A
0817980164	A	A	A	A	A	A
0341455011	A	A	A	A	A	A
0334588786	A	D	A	D	B	B
0146430692	A	A	A	A	A	A
0016426301	A	A	A	A	A	A
0502063980	A	A	A	A	A	A
0047501038	A	A	A	A	A	A
0063703620	A	A	A	A	A	A
0205194025	A	D	A	D	B	B
0215441392	A	A	A	A	A	A
0629151148	A	A	A	A	A	A
0133938555	A	A	A	D	A	D
0598841281	A	C	B	C	B	A
0568261939	A	A	A	A	A	A
0763457022	A	A	A	A	A	A
0928929046	A	D	A	D	A	A
0197658429	A	A	A	A	A	A
0821567263	A	A	A	A	A	A
0692343551	A	A	A	A	A	A
0358557373	A	A	A	A	A	A
0001442055	A	A	A	A	A	A
0646168920	A	A	A	A	A	A
0656643622	A	A	A	B	B	B
0909799015	A	A	A	B	B	B
0435065781	A	A	A	D	B	D
0304112440	A	A	A	A	A	A
0892599109	A	A	A	A	A	A
0598221185	A	A	A	A	A	A
0155313978	A	C	B	C	B	A
0435667839	A	A	A	A	A	A
0316303659	A	A	A	A	A	A
0467567734	A	A	A	A	A	A
0235567649	A	A	A	A	A	A
0934501608	A	A	A	A	A	A
0568327749	A	A	A	C	A	C
0636990742	A	A	A	A	A	A
0987410312	A	A	A	A	A	A
0356225648	A	D	A	D	B	B
0929898885	A	A	A	A	A	A
0331302840	A	A	A	A	A	A
0567431813	A	A	A	A	A	A
0772792638	A	A	A	A	A	A
0611439570	A	A	A	A	A	A
0880615284	A	A	A	A	A	A
0286395358	A	A	A	A	A	A
0727102781	A	A	A	A	A	A
0091999898	A	A	A	A	A	A
0084932463	A	A	A	A	A	A
0498176253	A	A	A	B	B	B
0868414709	A	A	A	A	A	A
0398810574	A	A	A	A	A	A
0492401808	A	A	A	A	A	A
0855405900	A	A	A	A	A	A
0221165349	A	A	A	A	A	A
0229239392	A	A	A	A	A	A
0465953484	A	A	A	A	A	A
0088333501	A	A	A	A	A	A
0210509784	A	A	A	A	A	A
0043528627	A	A	A	A	A	A
0714439402	A	C	A	C	A	A
0256793336	A	A	A	A	A	A
0172307711	A	A	A	C	A	A
0320395059	A	A	A	A	A	A
0423170417	A	C	B	C	B	A
0387718274	A	A	A	A	A	A
0170383070	A	A	A	A	A	A
0925636422	A	A	A	A	A	A
0319401242	A	A	A	A	A	A
0923847944	A	A	A	A	A	A
0686019166	A	A	A	B	B	B
0935256896	A	A	A	A	A	A
0316110307	A	C	A	C	A	A
0734205882	A	A	A	A	A	A
0700365699	A	A	A	A	A	A
0235654953	A	A	A	A	A	A
0314535807	A	A	A	B	B	B
0657678689	A	A	A	A	A	A
0159998015	A	A	A	C	A	A
0172474857	A	A	A	A	A	A
0696046690	A	B	B	B	B	A
0091008709	A	A	A	A	A	A
0955989134	A	A	A	A	A	A
0848995684	A	A	A	A	A	A
0509443395	A	A	A	A	A	A
0269025572	A	A	A	A	A	A
0572597962	A	A	A	B	B	B
0209961006	A	A	A	A	A	A
0406175777	A	A	A	B	A	B
0326355267	A	A	A	C	B	C
0534859575	A	A	A	A	A	A
0892350963	A	A	A	A	A	A
0375940135	A	A	A	A	A	A
0701821800	A	C	B	C	B	A
0616325002	A	A	A	A	A	A
0073034805	A	A	A	A	A	A
0231334101	A	A	A	A	A	A
0725630557	A	A	A	A	A	A
0068430033	A	A	A	A	A	A
0559278351	A	D	B	D	B	A
0831230243	A	C	A	C	A	A
0596771914	A	A	A	B	B	B
0267811530	A	A	A	A	A	A
0069119873	A	A	A	A	A	A
0060601564	A	A	A	A	A	A
0803735263	A	A	A	D	B	D
0290935180	A	A	A	C	A	A
0698008705	A	A	A	A	A	A
0435933950	A	A	A	A	A	A
0722444184	A	A	A	D	A	D
0911493224	A	A	A	B	B	B
0805203628	A	A	A	C	A	A
0569117909	A	A	A	A	A	A
0453397647	A	A	A	A	A	A
0205726976	A	A	A	A	A	A
0356104488	A	A	A	A	A	A
0706815855	A	A	A	A	A	A
0505002330	A	A	A	A	A	A
0149368455	A	A	A	A	A	A
0782961994	A	D	A	D	B	D
0892192051	A	A	A	C	A	A
0203802152	A	A	A	A	A	A
0955156588	A	A	A	A	A	A
0481098853	A	A	A	A	A	A
0391328966	C	A	A	C	C	A
0962810216	A	A	A	A	A	A
0460511689	A	A	A	A	A	A
0028477011	A	A	A	B	B	B
0594005576	A	A	A	B	B	B
0669124532	A	A	A	A	A	A
0517855345	A	A	A	A	A	A
0029264920	A	A	A	A	A	A
0008280028	A	C	B	C	B	B
0939621352	A	A	A	A	A	A
0650512691	A	D	A	D	B	B
0008293269	A	C	A	C	B	B
0905610877	A	A	A	A	A	A
0498048106	A	C	B	C	B	A
0311712614	A	A	A	A	A	A
0297718166	A	A	A	A	A	A
0399149633	A	A	A	A	A	A
0596861615	A	A	A	A	A	A
0505400757	A	A	A	A	A	A
0227320863	A	A	A	A	A	A
0237603193	A	A	A	D	A	D
0078557540	A	A	A	A	A	A
0595318540	A	A	A	A	A	A
0710942108	A	A	A	A	A	A
0590004680	A	A	A	A	A	A
0799073100	A	A	A	A	A	A
0826108892	A	A	A	A	A	A
0319963789	A	A	A	C	A	A
0714739945	A	A	A	A	A	A
0653687659	A	C	B	C	B	A
0370111594	A	A	A	A	A	A
0195700153	A	A	A	D	B	D
0392919710	A	A	A	A	A	A
0279010260	A	C	B	C	B	A
0692927227	A	A	A	A	A	A
0455781406	A	A	A	A	A	A
0227172047	A	A	A	B	B	B
0323048408	A	A	A	A	A	A
0535604744	A	A	A	D	B	D
0849998169	A	A	A	C	B	B
0062148837	A	A	A	A	A	A
0433817330	A	A	A	A	A	A
0838218787	A	A	A	A	A	A
0388688654	A	A	A	A	A	A
0334422712	A	A	A	A	A	A
0070584510	A	C	B	C	B	A
0901435205	A	A	A	A	A	A
0722953477	A	A	A	A	A	A
0914250216	A	B	B	B	B	A
0781340231	A	C	B	C	B	A
0548873977	A	C	B	C	B	A
0789937139	A	A	A	A	A	A
0141674452	A	C	B	C	B	A
0708733554	A	A	A	A	A	A
0478749220	A	C	B	C	B	A
0327241907	A	A	A	A	A	A
0264928705	A	A	A	A	A	A
0423819313	A	A	A	C	A	C
0947043588	A	A	A	A	A	A
0921327304	A	A	A	A	A	A
0047160022	A	A	A	A	A	A
0578003446	A	A	A	A	A	A
0334333278	A	A	A	A	A	A
0479955912	A	A	A	A	A	A
0059353931	A	A	A	A	A	A
0297939688	A	A	A	A	A	A
0010826823	A	A	A	A	A	A
0224364000	A	A	A	A	A	A
0374926914	A	A	A	A	A	A
0166671017	A	A	A	A	A	A
0331703728	A	A	A	A	A	A
0500160486	A	A	A	A	A	A
0087401493	A	A	A	A	A	A
0934604695	A	A	A	A	A	A
0123683594	A	A	A	A	A	A
0171698680	A	A	A	A	A	A
0777507334	A	A	A	A	A	A
0224787836	A	A	A	A	A	A
0087079366	A	A	A	A	A	A
0411115272	A	A	A	C	B	A
0552582570	A	A	A	A	A	A
0831923509	A	A	A	C	A	A
0566235119	A	A	A	A	A	A
0258571462	A	A	A	A	A	A
0674517418	A	A	A	A	A	A
0598747092	A	A	A	A	A	A
0308346631	A	A	A	A	A	A
0198209562	A	A	A	A	A	A
0852578705	A	A	A	A	A	A
0181469741	A	A	A	C	A	A
0172973631	A	A	A	A	A	A
0195260056	B	A	A	B	B	A
0979354282	A	A	A	D	A	D
0902479734	B	A	A	C	B	C
0448449905	A	A	A	B	A	A
0318929563	A	A	A	C	A	A
0419254311	A	A	A	A	A	A
0083431261	A	A	A	C	A	A
0176464215	A	A	A	A	A	A
0643755415	A	A	A	A	A	A
0391030430	A	A	A	A	A	A
0596751492	A	A	A	A	A	A
0133806802	A	A	A	C	A	A
0810627045	A	A	A	A	A	A
0627907732	A	A	A	C	A	A
0432132209	A	A	A	C	A	A
0314944184	A	C	A	C	A	A
0841719747	A	A	A	C	A	A
0323637836	A	A	A	C	A	A
0253839394	A	A	A	A	A	A
0165073789	A	A	A	A	A	A
0210642526	A	A	A	A	A	A
0672271657	A	A	A	C	A	A
0902640178	A	A	A	C	A	A
0892324179	A	A	A	C	A	A
0778038727	A	A	A	B	B	B
0928569869	A	A	A	A	A	A
0871667533	A	A	A	A	A	A
0702702409	A	A	A	A	A	A
0217297674	A	A	A	C	A	A
0846348091	A	A	A	C	A	A
0371702040	A	A	A	B	B	B
0016883835	A	A	A	C	A	A
0835308027	A	A	A	A	A	A
0951877372	A	A	A	A	A	A
0136671540	A	A	A	A	A	A
0698674168	A	A	A	A	A	A
0727541843	A	A	A	A	A	A
0225220355	A	A	A	B	A	A
0047162086	A	A	A	A	A	A
0486972146	A	C	A	C	A	A
0732354163	A	A	A	C	B	B
0828386484	A	A	A	C	A	A
0647644232	A	A	A	A	A	A
0038224148	A	A	A	A	A	A
0907456397	A	A	A	A	A	A
0214086633	A	A	A	A	A	A
0112876272	A	A	A	C	A	A
0482713964	A	A	A	A	A	A
0421931063	A	B	B	B	B	A
0713178371	A	B	B	B	B	A
0257860964	A	A	A	A	A	A
0938822959	A	A	A	A	A	A
0616406934	A	A	A	A	A	A
0757775016	A	C	A	C	A	A
0214703126	A	A	A	A	A	A
0827711180	A	A	A	A	A	A
0826698707	A	A	A	A	A	A

Alt Loan Number	Final S&P Credit Loan Grade	Initial S&P Property Valuations Loan Grade	Final S&P Property Valuations Loan Grade	Initial S&P Compliance Loan Grade	Final S&P Compliance Loan Grade
0891830542	A	C	B	D	B
0358266475	B	A	A	A	A
0445009472	B	A	A	D	A
0565792248	B	A	A	D	A
0989559892	A	A	A	A	A
0172102535	A	A	A	A	A
0234789318	A	A	A	A	A
0167511513	A	A	A	A	A
0188994424	B	A	A	A	A
0278458811	A	A	A	A	A
0276605721	A	A	A	A	A
0979650819	A	A	A	A	A
0805840121	A	A	A	A	A
0894886858	A	A	A	D	A
0762387763	A	A	A	C	B
0688514980	A	A	A	A	A
0742242406	A	A	A	D	A
0404547058	A	A	A	A	A
0638297842	A	C	A	A	A
0746298925	A	A	A	A	A
0863486295	A	A	A	A	A
0340006234	A	A	A	C	A
0404943214	A	A	A	A	A
0930158501	A	A	A	A	A
0707375415	A	A	A	A	A
0388007370	A	A	A	A	A
0475617019	A	A	A	C	B
0688663791	A	A	A	A	A
0902260454	A	A	A	A	A
0617386511	A	A	A	A	A
0267572469	A	A	A	A	A
0290791026	A	C	A	A	A
0164543000	A	A	A	A	A
0202441613	A	A	A	C	A
0289292446	A	A	A	A	A
0365530848	A	A	A	A	A
0617986787	A	A	A	A	A
0496740217	A	A	A	A	A
0917131732	A	A	A	A	A
0926035927	A	A	A	A	A
0603795050	A	A	A	A	A
0032308265	A	A	A	A	A
0526040098	A	A	A	A	A
0448045178	A	A	A	A	A
0417818039	A	A	A	A	A
0237859061	A	A	A	A	A
0744499361	A	A	A	A	A
0175902539	A	A	A	A	A
0087867838	A	A	A	A	A
0970818417	A	A	A	A	A
0132083552	A	A	A	A	A
0864403324	A	A	A	A	A
0305255025	A	A	A	D	A
0357907958	A	A	A	A	A
0882156006	A	A	A	A	A
0389550109	A	A	A	A	A
0950955298	A	A	A	C	B
0617718950	A	A	A	A	A
0817980164	A	A	A	A	A
0341455011	A	A	A	A	A
0334588786	B	A	A	D	A
0146430692	A	A	A	A	A
0016426301	A	A	A	A	A
0502063980	A	A	A	A	A
0047501038	A	A	A	A	A
0063703620	A	A	A	A	A
0205194025	B	A	A	D	A
0215441392	A	A	A	A	A
0629151148	A	A	A	A	A
0133938555	A	A	A	A	A
0598841281	A	A	A	C	B
0568261939	A	A	A	A	A
0763457022	A	A	A	A	A
0928929046	A	A	A	D	A
0197658429	A	A	A	A	A
0821567263	A	A	A	A	A
0692343551	A	A	A	A	A
0358557373	A	A	A	A	A
0001442055	A	A	A	A	A
0646168920	A	A	A	A	A
0656643622	B	A	A	A	A
0909799015	B	A	A	A	A
0435065781	B	A	A	A	A
0304112440	A	A	A	A	A
0892599109	A	A	A	A	A
0598221185	A	A	A	A	A
0155313978	A	A	A	C	B
0435667839	A	A	A	A	A
0316303659	A	A	A	A	A
0467567734	A	A	A	A	A
0235567649	A	A	A	A	A
0934501608	A	A	A	A	A
0568327749	A	A	A	A	A
0636990742	A	A	A	A	A
0987410312	A	A	A	A	A
0356225648	B	A	A	D	A
0929898885	A	A	A	A	A
0331302840	A	A	A	A	A
0567431813	A	A	A	A	A
0772792638	A	A	A	A	A
0611439570	A	A	A	A	A
0880615284	A	A	A	A	A
0286395358	A	A	A	A	A
0727102781	A	A	A	A	A
0091999898	A	A	A	A	A
0084932463	A	A	A	A	A
0498176253	B	A	A	A	A
0868414709	A	A	A	A	A
0398810574	A	A	A	A	A
0492401808	A	A	A	A	A
0855405900	A	A	A	A	A
0221165349	A	A	A	A	A
0229239392	A	A	A	A	A
0465953484	A	A	A	A	A
0088333501	A	A	A	A	A
0210509784	A	A	A	A	A
0043528627	A	A	A	A	A
0714439402	A	A	A	C	A
0256793336	A	A	A	A	A
0172307711	A	C	A	A	A
0320395059	A	A	A	A	A
0423170417	A	A	A	C	B
0387718274	A	A	A	A	A
0170383070	A	A	A	A	A
0925636422	A	A	A	A	A
0319401242	A	A	A	A	A
0923847944	A	A	A	A	A
0686019166	B	A	A	A	A
0935256896	A	A	A	A	A
0316110307	A	A	A	C	A
0734205882	A	A	A	A	A
0700365699	A	A	A	A	A
0235654953	A	A	A	A	A
0314535807	B	A	A	A	A
0657678689	A	A	A	A	A
0159998015	A	C	A	A	A
0172474857	A	A	A	A	A
0696046690	A	A	A	B	B
0091008709	A	A	A	A	A
0955989134	A	A	A	A	A
0848995684	A	A	A	A	A
0509443395	A	A	A	A	A
0269025572	A	A	A	A	A
0572597962	B	A	A	A	A
0209961006	A	A	A	A	A
0406175777	A	A	A	A	A
0326355267	B	A	A	A	A
0534859575	A	A	A	A	A
0892350963	A	A	A	A	A
0375940135	A	A	A	A	A
0701821800	A	A	A	C	B
0616325002	A	A	A	A	A
0073034805	A	A	A	A	A
0231334101	A	A	A	A	A
0725630557	A	A	A	A	A
0068430033	A	A	A	A	A
0559278351	A	A	A	D	B
0831230243	A	A	A	C	A
0596771914	B	A	A	A	A
0267811530	A	A	A	A	A
0069119873	A	A	A	A	A
0060601564	A	A	A	A	A
0803735263	B	A	A	A	A
0290935180	A	C	A	A	A
0698008705	A	A	A	A	A
0435933950	A	A	A	A	A
0722444184	A	A	A	A	A
0911493224	B	A	A	A	A
0805203628	A	C	A	A	A
0569117909	A	A	A	A	A
0453397647	A	A	A	A	A
0205726976	A	A	A	A	A
0356104488	A	A	A	A	A
0706815855	A	A	A	A	A
0505002330	A	A	A	A	A
0149368455	A	A	A	A	A
0782961994	B	A	A	D	A
0892192051	A	C	A	A	A
0203802152	A	A	A	A	A
0955156588	A	A	A	A	A
0481098853	A	A	A	A	A
0391328966	A	C	C	A	A
0962810216	A	A	A	A	A
0460511689	A	A	A	A	A
0028477011	B	A	A	A	A
0594005576	B	A	A	A	A
0669124532	A	A	A	A	A
0517855345	A	A	A	A	A
0029264920	A	A	A	A	A
0008280028	B	A	A	C	B
0939621352	A	A	A	A	A
0650512691	B	A	A	D	A
0008293269	B	A	A	C	A
0905610877	A	A	A	A	A
0498048106	A	A	A	C	B
0311712614	A	A	A	A	A
0297718166	A	A	A	A	A
0399149633	A	A	A	A	A
0596861615	A	A	A	A	A
0505400757	A	A	A	A	A
0227320863	A	A	A	A	A
0237603193	A	A	A	A	A
0078557540	A	A	A	A	A
0595318540	A	A	A	A	A
0710942108	A	A	A	A	A
0590004680	A	A	A	A	A
0799073100	A	A	A	A	A
0826108892	A	A	A	A	A
0319963789	A	C	A	A	A
0714739945	A	A	A	A	A
0653687659	A	A	A	C	B
0370111594	A	A	A	A	A
0195700153	B	A	A	A	A
0392919710	A	A	A	A	A
0279010260	A	A	A	C	B
0692927227	A	A	A	A	A
0455781406	A	A	A	A	A
0227172047	B	A	A	A	A
0323048408	A	A	A	A	A
0535604744	B	A	A	A	A
0849998169	B	C	A	A	A
0062148837	A	A	A	A	A
0433817330	A	A	A	A	A
0838218787	A	A	A	A	A
0388688654	A	A	A	A	A
0334422712	A	A	A	A	A
0070584510	A	A	A	C	B
0901435205	A	A	A	A	A
0722953477	A	A	A	A	A
0914250216	A	A	A	B	B
0781340231	A	A	A	C	B
0548873977	A	A	A	C	B
0789937139	A	A	A	A	A
0141674452	A	A	A	C	B
0708733554	A	A	A	A	A
0478749220	A	A	A	C	B
0327241907	A	A	A	A	A
0264928705	A	A	A	A	A
0423819313	A	A	A	A	A
0947043588	A	A	A	A	A
0921327304	A	A	A	A	A
0047160022	A	A	A	A	A
0578003446	A	A	A	A	A
0334333278	A	A	A	A	A
0479955912	A	A	A	A	A
0059353931	A	A	A	A	A
0297939688	A	A	A	A	A
0010826823	A	A	A	A	A
0224364000	A	A	A	A	A
0374926914	A	A	A	A	A
0166671017	A	A	A	A	A
0331703728	A	A	A	A	A
0500160486	A	A	A	A	A
0087401493	A	A	A	A	A
0934604695	A	A	A	A	A
0123683594	A	A	A	A	A
0171698680	A	A	A	A	A
0777507334	A	A	A	A	A
0224787836	A	A	A	A	A
0087079366	A	A	A	A	A
0411115272	A	C	B	A	A
0552582570	A	A	A	A	A
0831923509	A	C	A	A	A
0566235119	A	A	A	A	A
0258571462	A	A	A	A	A
0674517418	A	A	A	A	A
0598747092	A	A	A	A	A
0308346631	A	A	A	A	A
0198209562	A	A	A	A	A
0852578705	A	A	A	A	A
0181469741	A	C	A	A	A
0172973631	A	A	A	A	A
0195260056	A	B	B	A	A
0979354282	A	A	A	A	A
0902479734	B	B	B	A	A
0448449905	A	B	A	A	A
0318929563	A	C	A	A	A
0419254311	A	A	A	A	A
0083431261	A	C	A	A	A
0176464215	A	A	A	A	A
0643755415	A	A	A	A	A
0391030430	A	A	A	A	A
0596751492	A	A	A	A	A
0133806802	A	C	A	A	A
0810627045	A	A	A	A	A
0627907732	A	C	A	A	A
0432132209	A	C	A	A	A
0314944184	A	A	A	C	A
0841719747	A	C	A	A	A
0323637836	A	C	A	A	A
0253839394	A	A	A	A	A
0165073789	A	A	A	A	A
0210642526	A	A	A	A	A
0672271657	A	C	A	A	A
0902640178	A	C	A	A	A
0892324179	A	C	A	A	A
0778038727	B	A	A	A	A
0928569869	A	A	A	A	A
0871667533	A	A	A	A	A
0702702409	A	A	A	A	A
0217297674	A	C	A	A	A
0846348091	A	C	A	A	A
0371702040	B	A	A	A	A
0016883835	A	C	A	A	A
0835308027	A	A	A	A	A
0951877372	A	A	A	A	A
0136671540	A	A	A	A	A
0698674168	A	A	A	A	A
0727541843	A	A	A	A	A
0225220355	A	B	A	A	A
0047162086	A	A	A	A	A
0486972146	A	A	A	C	A
0732354163	B	C	A	A	A
0828386484	A	C	A	A	A
0647644232	A	A	A	A	A
0038224148	A	A	A	A	A
0907456397	A	A	A	A	A
0214086633	A	A	A	A	A
0112876272	A	C	A	A	A
0482713964	A	A	A	A	A
0421931063	A	A	A	B	B
0713178371	A	A	A	B	B
0257860964	A	A	A	A	A
0938822959	A	A	A	A	A
0616406934	A	A	A	A	A
0757775016	A	A	A	C	A
0214703126	A	A	A	A	A
0827711180	A	A	A	A	A
0826698707	A	A	A	A	A