0001104659-22-001431.txt : 20220105 0001104659-22-001431.hdr.sgml : 20220105 20220105152934 ACCESSION NUMBER: 0001104659-22-001431 CONFORMED SUBMISSION TYPE: ABS-15G PUBLIC DOCUMENT COUNT: 10 CONFORMED PERIOD OF REPORT: 20220105 ITEM INFORMATION: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer FILED AS OF DATE: 20220105 DATE AS OF CHANGE: 20220105 ABS RULE: RULE-15GA2 REGISTERED ENTITY: N ABS ASSET CLASS: Residential mortgages - Prime FILER: COMPANY DATA: COMPANY CONFORMED NAME: WELLS FARGO ASSET SECURITIES CORP CENTRAL INDEX KEY: 0001011663 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 521972128 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act SEC FILE NUMBER: 025-00453 FILM NUMBER: 22510863 BUSINESS ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 BUSINESS PHONE: 3018468881 MAIL ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 FORMER COMPANY: FORMER CONFORMED NAME: NORWEST ASSET SECURITIES CORP DATE OF NAME CHANGE: 19960717 DEPOSITOR: COMPANY DATA: COMPANY CONFORMED NAME: WELLS FARGO ASSET SECURITIES CORP CENTRAL INDEX KEY: 0001011663 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 521972128 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act BUSINESS ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 BUSINESS PHONE: 3018468881 MAIL ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 FORMER COMPANY: FORMER CONFORMED NAME: NORWEST ASSET SECURITIES CORP DATE OF NAME CHANGE: 19960717 SECURITIZER: COMPANY DATA: COMPANY CONFORMED NAME: WELLS FARGO ASSET SECURITIES CORP CENTRAL INDEX KEY: 0001011663 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 521972128 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act SEC FILE NUMBER: 025-00453 BUSINESS ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 BUSINESS PHONE: 3018468881 MAIL ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 FORMER COMPANY: FORMER CONFORMED NAME: NORWEST ASSET SECURITIES CORP DATE OF NAME CHANGE: 19960717 ABS-15G 1 tm2136025d1_abs15g.htm ABS-15G

 

 

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

 

FORM ABS-15G

 

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

 

WELLS FARGO ASSET SECURITIES CORPORATIoN

 

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

 

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

 

Date of Report (Date of earliest event reported) __________________

 

Commission File Number of securitizer: __________________

 

Central Index Key Number of securitizer:__________________

 

 

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

 

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

 

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

 

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

 

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

 

Central Index Key Number of depositor: 1011663

 

Wells Fargo Mortgage Backed Securities 2022-1 Trust
(Exact name of issuing entity as specified in its charter)

 

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

 

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

 

Diane Wold -- 952-242-2302

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

 

 

 

 

 

  

PART I: REPRESENTATION AND WARRANTY INFORMATION

 

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

 

Not Applicable

 

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

 

Not Applicable

 

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

 

Not Applicable

 

 

 

 

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

 

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

 

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

 

 

 

 

EXHIBIT INDEX

 

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

99.2 Clayton Loan Level Tape Compare

99.3 Clayton Rating Agency ATR QM Data Fields

99.4 Clayton Valuations Summary

99.5 Clayton Conditions Report

99.6 Clayton Waived Conditions Summary

 

 

 

 

SIGNATURES

 

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

 

 

  Wells fargo asset securities corporation
   
  (Depositor)
   
Date: January 5, 2022 /s/ Peter Diliberti
  Name: Peter Diliberti
  Title: President (senior officer in charge of securitization)

 

 

 

 EX-99.1 2 tm2136025d1_ex99-1.htm CLAYTON SERVICES LLC ("CLAYTON") DUE DILIGENCE NARRATIVE REPORT

 

Exhibit 99.1

 

 

 

 

 

 

 

 

 

 

Table of Contents

 

Clayton Contact Information 2
Overview 2
Originators 2
Clayton’s Third Party Review (“TPR”) Scope of Work 2
Sampling 3
Sponsor Acquisition Criteria 3
Loan Grading 3
TPR Component Review Scope 4
Credit Review 4
Property Valuation Review 4
Regulatory Compliance Review 5
Data Integrity 7
Data Capture 7
Data Compare Results 7
Clayton Due Diligence Results 8
Clayton Third Party Reports Delivered 10
Appendix A: Credit Review Scope 11
Appendix B: Origination Appraisal Assessment 14
Appendix C: Regulatory Compliance Review Scope 17

 

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Clayton Contact Information

 

Client Service Management:

 

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

 

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

 

 

Overview

 

On behalf of Wells Fargo Home Mortgage, Clayton conducted an independent third-party pre-securitization due diligence review of residential loans selected for the Wells Fargo securitization (WFMBS 2022-1). The loans referenced in this narrative report were reviewed from 03-2020 to 09-2021 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 with delegated underwriting 97 34.28%
Correspondent Flow without delegated underwriting 2 0.70%
Retail 184 65.02%
Total 283 100.00%

 

 

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

 

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

 

 

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

 

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Sampling

 

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

 

Review Type Loan Counts

 

Review Type

Loan Count

Reviewed by Clayton

Scope Applied
Full Review 283 Clayton performed a Full Review based on the scope described below in the section titled “TPR Component Review Scope”.
Total Loan Population 283  

 

 

Sponsor Acquisition Criteria

 

The loans were originated to the following guidelines: Non-Conforming: Retail_01.20_NC, Retail_04.20_NC. Conforming: Allregs.

 

Loan Grading

 

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

 

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

 

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TPR Component Review Scope

 

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

 

Credit Review

 

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

 

§Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor Acquisition Criteria cited above;
§Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against the Sponsor Acquisition Criteria;
§ Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor Acquisition Criteria;
§ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;
§ Evaluated evidence of borrower’s willingness and ability to repay the obligation;
§ Examined Data Verify/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.

 

-    109 loans had Desktop Reviews

-    145 loans had CU Scores of 2.5 or less

-    29 loans had BPO’s

 

Clayton did have independent access to all products for loans in this population.

 

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Regulatory Compliance Review

 

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

 

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

 

The scope of the compliance review performed is summarized below:

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

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

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

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

 

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On, June 15th, 2016 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 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). Note that for this transaction, all INV cash out loans were tested for personal use of funds (full compliance), unless evidence of business use of funds were confirmed in the file.

 

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

 

State and Federal High Cost and Higher-Priced:

 

·Cook County High Cost Ordinance
·Chicago High Cost Ordinance

 

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

 

Anti-predatory lending laws

 

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

 

Prepayment Penalties and Late Charges in certain states

 

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

 

·Sufficiency of coverage
·Escrow of insurance payments

 

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Data Integrity

 

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

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

 

Data Capture

 

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

 

Data Compare Results

 

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

 

Summary of data compare results:

 

Field Name # of Loan Accuracy
Cash Reserves 4 98.59%
Combined Loan to Value 8 97.17%
Debt to Income (Back) 19 93.29%
First Time Home Buyer 2 99.29%
Original Appraised Value 1 99.65%
Property Type 1 99.65%
Self-Employment Flag 5 98.23%

 

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Clayton Due Diligence Results

 

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

 

Initial and Final Overall Loan Grade Results (Kroll)

 

  Overall Grade Migration
  Initial
Final   A B C D Total
A 147 10 23 21 201
B   43 26 8 77
C     4   4
D       1 1
Total 147 53 53 30 283

 

 

Initial and Final Overall Loan Grade Results (S&P)

 

  Overall Grade Migration
  Initial
Final   A B C D Total
A 147 11 39 23 220
B   42 10 6 58
C     4   4
D       1 1
Total 147 53 53 30 283

 

 

*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 (Kroll)

 

  Credit Grade Migration
  Initial
Final   A B C D Total
A 232   6 24 262
B   18   2 20
C         0
D       1 1
Total 232 18 6 27 283

 

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Initial and Final Credit Component Grade Results (S&P)

 

  Credit Grade Migration
  Initial
Final   A B C D Total
A 232   6 24 262
B   18   2 20
C         0
D       1 1
Total 232 18 6 27 283

 

 

Initial and Final Property Valuation Grade Results (Kroll)

 

  Property Valuation Grade Migration
  Initial
Final   A B C D Total
A 216 15 24 2 257
B   2 22   24
C     2   2
D         0
Total 216 17 48 2 283

 

Initial and Final Property Valuation Grade Results (S&P)

 

  Property Valuation Grade Migration
  Initial
Final   A B C D Total
A 216 16 46 2 280
B   1     1
C     2   2
D         0
Total 216 17 48 2 283

 

 

Initial and Final Regulatory Compliance Grade Results (Kroll)

 

  Compliance Grade Migration
  Initial
Final   A B C D Total
A 239     4 243
B   35 2 1 38
C     2   2
D         0
Total 239 35 4 5 283

 

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Initial and Final Regulatory Compliance Grade Results (S&P)

 

  Compliance Grade Migration
  Initial
Final   A B C D Total
A 239     4 243
B   35 2 1 38
C     2   2
D         0
Total 239 35 4 5 283

 

 

Clayton Third Party Reports Delivered

 

Clayton furnished the following reports on this transaction:

 

  1. Narrative Report
   
  2. Conditions Report
   
  3. Loan Level Tape Compare Upload
   
  4. Valuations Summary Reports
   
  5. ATR/QM Data Fields Report
   
  6. Waived Conditions Summary
   
  8. ASF Upload
   
  9. Attestation Forms

 

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Appendix A: Credit Review Scope

 

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

 

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

 

oDTI

oLTV/TLTV/HLTV

oCredit score

oIncome and employment

oAssets and reserves

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

oBorrower eligibility, including:

-    Citizenship status

-    Non- occupant co-borrower

oTransaction eligibility, including:

-    Maximum loan amount

-    Loan purpose

-    Occupancy

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

 

B.As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:
oUniform Residential Loan Application reviewed to determine:

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

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

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

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

-Income documentation

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

-CPA letter

-Business licenses

-Tax transcripts (IRS Form 4506-T)

-Other documentation in loan file

oIncome review included:

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

-Documents did not appear to have been altered or inconsistent

-IRS Form 4506-T

§Signed by all borrowers and processed by the originator

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

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

§Tax returns

 

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§Financial statements

§Paystubs

§W-2s

§1099

§IRS documents

§Bank statements

§Lease agreements

§Award letters

§Other documentation in loan file

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

§Verification of deposits (VOD)

§Depository account statements

§Stock or security account statements

§Gift funds

§Settlements statements

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

§Other documentation in loan file

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

oCredit Report review included:
-Complete copy of report was in loan file

-Report was dated within required timeframe

-All borrowers were included in the report

-Checked any fraud alerts against related loan file documentation

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

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

-Captured and utilized appropriate credit score for guideline review

oTitle policy review included:
-Title interest – determined if

§Fee simple

§Leasehold estate

-Appropriate vestee(s) were listed on title policy

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

-Applicable title endorsements were present

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

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

-Captured monthly tax payments in debt ratio calculation

oHUD1 (Settlement Statement) review included:
-Funds to close identified and analyzed against borrower’s assets

-Seller contributions did not exceed maximum allowed

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

-Disbursements and pay-offs included in debt ratio calculations

 

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-Loan purpose confirmed

 

oHazard/Flood insurance review included:

 

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

 

-Confirmed that any required insurance was for the:

 

§Correct borrower

 

§Correct property

 

§Correct lender

 

§Correct loan number

 

§Life of loan, if flood insurance required

 

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

 

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

 

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

 

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

 

oMortgage Insurance review included:

 

-Determined if mortgage insurance is required

 

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

 

 

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

 

 

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

 

oBorrower identity

 

-Social Security inconsistencies

 

-Borrower name variations

 

oOccupancy

 

-Borrower address history

 

-Subject property ownership history

 

oEmployment

 

oLicensing – reviewed NMLS data for:

 

-Mortgage lender/originator

 

-Loan officer

 

oOFAC

 

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Appendix B: Origination Appraisal Assessment

 

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

 

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

 

 

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

 

-FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)
-FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)
-FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD
-FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units
-FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review
-FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

 

 

oAppraisal report was reasonably complete and included:

 

-Appraisal report form, certification, statement of limiting conditions and scope of work
-Accurate identification of the subject property
-Accurate identification of the subject loan transaction
-Accurate identification of the property type, in both land and improvements
-All required attachments including:

 

§     Subject front, rear and street photos and valued features

 

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

 

§     Photos of all comparable sales and listings

 

§     Location map

 

§     Exterior sketch of property with dimensions

 

§     1004MC Market Conditions Report

 

-Evidence that appraisal report was made “As Is” or provided satisfactory evidence of completion for all material conditions
-Appraisal date met supplied Sponsor Acquisition Criteria
-If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

 

 

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

 

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oTitle XI of FIRREA:

 

-If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property
-Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser’s license included in the appraisal.
-Reviewed for the presence of any “red flags” related to the mortgaged property that may have posed a risk to the property or occupants

 

oUSPAP

 

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

 

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

 

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

 

-Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained
-Comps used were reasonably recent in transaction date and if not the reason was furnished
-Comps used were reasonably similar to the subject property and if not an explanation was supplied
-Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished
-Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

 

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

 

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

 

-Appraisal was made on an “As Is” basis or provides satisfactory evidence of completion of all material conditions
-Property usage was reviewed for zoning compliance
-Property utilization was reviewed to determine it was “highest and best use”
-Neighborhood values were reviewed to determine if declining
-Market conditions were reviewed to determine indication of possible marketability issues:

 

§     Location

 

§     % built up

 

§     Growth rate

 

§     Demand/supply

 

§     Marketing time

 

§     Predominant occupancy

 

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

 

-Any health and safety issues were noted and/or remediated
-Locational and/or environmental concerns adequately addressed if present

 

 

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

 

o3 to 4 unit owner occupied properties
o2 to 4 unit second homes
oUnwarrantable or limited review condominiums
oManufactured or mobile homes

 

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

 

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

 

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

 

 

F.Disclaimer

 

oThe individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice (“USPAP”) or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute “appraisal reviews” for purposes of USPAP or Federal or State law.
oClayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed valuation information for reasonableness
oClayton is not an ‘AMC’ (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property
oClayton is not a ‘creditor’ within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will not have any communication with or responsibility to any individual consumer concerning property valuation.
oClayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

 

 

G.Desk Review definitions

 

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

 

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Appendix C: Regulatory Compliance Review Scope

 

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

 

Federal Law

 

 

 

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

 

oAffiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm the disclosure was provided to the borrower
oHomeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within 3 days of application

 

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

 

oTIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.
oMortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after July 30, 2009 (Section 19)
oARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs identified within the loan file
oRight of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the loan disbursement (Section 23)
oHigh Cost mortgage thresholds for points and fees (Section 32)
oHigh Cost Prohibited Acts and Practices upon request (Section 33)
oHigher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)
oProhibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)
oATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)
oTILA/RESPA Integrated Disclosure Rule: “The Initial TRID Scope”

 

§Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate (“LE”) and Closing Disclosure (“CD”)
§Pre-application Requirement Testing:

 

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·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.

 

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·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.

 

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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)

 

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·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:

 

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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

 

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 EX-99.2 3 tm2136025d1_ex99-2.htm CLAYTON LOAN LEVEL TAPE COMPARE

 

Exhibit 99.2

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2022-1
Start - End Dates: 03/2020 - 09/2021
Deal Loan Count: 283
   
       
Loan Level Tape Compare Upload  
       
Loans in Report 283

Alt Loan Number Borrower Last Name Field Name Tape Data Reviewer Data
0591919625 XXXXXX Cash Reserves 178853.57 254364.16
0589653309 XXXXXX Cash Reserves 412780.19 413548.04
0329214567 XXXXXX Cash Reserves 309588.72 309561.61
0329214567 XXXXXX Original Appraised Value XXXXXX XXXXXX
0257299882 XXXXXX Cash Reserves 889589.95 875851.64
0712906816 XXXXXX Combined LTV 39 29
0456916385 XXXXXX Combined LTV 66 65
0456916385 XXXXXX Debt to Income Ratio (Back) 33.0500 36.7240
0953373163 XXXXXX Combined LTV 50 32
0696104514 XXXXXX Debt to Income Ratio (Back) 40.7100 37.3539
0920350254 XXXXXX Combined LTV 42 24
0319666688 XXXXXX Self Employed Flag Yes No
0194449113 XXXXXX Debt to Income Ratio (Back) 34.0000 23.2142
0031683987 XXXXXX Debt to Income Ratio (Back) 47.3300 21.2853
0631832071 XXXXXX Debt to Income Ratio (Back) 33.1200 29.4568
0729834941 XXXXXX Debt to Income Ratio (Back) 35.1200 31.4313
0729834941 XXXXXX Self Employed Flag No Yes
0929483932 XXXXXX Self Employed Flag Yes No
0475337134 XXXXXX Debt to Income Ratio (Back) 30.7000 26.6072
0535439334 XXXXXX Debt to Income Ratio (Back) 38.4500 26.7844
0535439334 XXXXXX Property Type Rowhouse Detached PUD
0604192470 XXXXXX Debt to Income Ratio (Back) 45.2100 48.3297
0452635909 XXXXXX First Time Home Buyer Yes No
0131676703 XXXXXX Debt to Income Ratio (Back) 35.7300 45.7127
0221480097 XXXXXX Debt to Income Ratio (Back) 20.0200 16.2908
0447475177 XXXXXX Self Employed Flag No Yes
0579842159 XXXXXX Combined LTV 46 39
0579842159 XXXXXX Debt to Income Ratio (Back) 39.3000 33.4575
0035393275 XXXXXX Combined LTV 70 54
0035393275 XXXXXX Debt to Income Ratio (Back) 30.4500 25.7956
0498381241 XXXXXX Debt to Income Ratio (Back) 28.6500 21.7702
0168160028 XXXXXX Debt to Income Ratio (Back) 41.8500 45.4300
0491836125 XXXXXX Combined LTV 80 78
0182729043 XXXXXX First Time Home Buyer No Yes
0149152454 XXXXXX Debt to Income Ratio (Back) 24.8100 40.1738
0131143074 XXXXXX Self Employed Flag No Yes
0235703331 XXXXXX Combined LTV 54 50
0780330810 XXXXXX Debt to Income Ratio (Back) 47.1700 44.0295
0318980138 XXXXXX Debt to Income Ratio (Back) 43.7800 32.9580
0074744228 XXXXXX Debt to Income Ratio (Back) 42.6000 39.5883
       
©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.

 

 

 EX-99.3 4 tm2136025d1_ex99-3.htm CLAYTON RATING AGENCY ATR QM DATA FIELDS

Exhibit 99.3

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2022-1
Start - End Dates: 03/2020 - 09/2021
Deal Loan Count: 283
   
     
Rating Agency ATR QM Data Fields
     
Loans in Report: 283

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		 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
0591919625 QM: Safe Harbor No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 3.2465 Employed Employed U.S. Citizen U.S. Citizen No 0
0589653309 QM: Safe Harbor No Yes XXXXXX XXXXXX Yes Yes 189.3 XXXXXX 3.1536 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0184168147 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 3.7466 Employed Employed U.S. Citizen U.S. Citizen No 0
0329214567 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1075 XXXXXX 3.6472 Employed (No Data) U.S. Citizen (No Data) No 0
0257299882 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.3793 Employed Employed U.S. Citizen U.S. Citizen No 0
0605298977 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 305 XXXXXX 4.5145 Employed (No Data) U.S. Citizen (No Data) No 0
0683188561 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 4858 XXXXXX 2.8022 Employed (No Data) U.S. Citizen (No Data) No 0
0464348710 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 80 XXXXXX 2.872 Employed (No Data) U.S. Citizen (No Data) No 0
0695025599 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 380 XXXXXX 3.0252 Employed (No Data) U.S. Citizen (No Data) No 0
0687733180 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 2.9903 Employed Retired U.S. Citizen U.S. Citizen No 0
0246907499 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 381.25 XXXXXX 3.0346 Employed (No Data) U.S. Citizen (No Data) No 0
0069023088 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1220 XXXXXX 2.6466 Employed (No Data) U.S. Citizen (No Data) No 0
0750545179 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 25 XXXXXX 2.7503 Retired Employed U.S. Citizen U.S. Citizen No 0
0561674490 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 272.03 XXXXXX 3.275 Employed (No Data) U.S. Citizen (No Data) No 0
0254063106 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 3.381 Employed Employed U.S. Citizen U.S. Citizen No 0
0530498873 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1619.53 XXXXXX 2.6835 Employed Employed U.S. Citizen U.S. Citizen No 0
0181205985 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 692.5 XXXXXX 3.1427 Employed (No Data) U.S. Citizen (No Data) No 0
0226997424 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 2.872 Employed (No Data) U.S. Citizen (No Data) No 0
0797395355 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 2.6326 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0717140003 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1380 XXXXXX 3.1679 Employed (No Data) U.S. Citizen (No Data) No 0
0291871761 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 3187.5 XXXXXX 2.9411 Employed Employed U.S. Citizen U.S. Citizen No 0
0346772793 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 2153.75 XXXXXX 3.1589 Employed Employed U.S. Citizen U.S. Citizen No 0
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0823661650 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 3.0069 Employed Employed U.S. Citizen U.S. Citizen No 0
0814054641 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 3.5198 Employed (No Data) U.S. Citizen (No Data) No 0
0023842273 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 508.75 XXXXXX 3.6405 Employed Employed U.S. Citizen U.S. Citizen No 0
0977834578 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 9900 XXXXXX 3.1248 Employed (No Data) U.S. Citizen (No Data) No 0
0545652857 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1300 XXXXXX 3.04 Employed (No Data) U.S. Citizen (No Data) No 0
0885893931 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1255 XXXXXX 3.1479 Employed (No Data) U.S. Citizen (No Data) No 0
0465084986 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 2450.5 XXXXXX 2.914 Employed (No Data) U.S. Citizen (No Data) No 0
0515587520 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 2113.75 XXXXXX 3.0363 Employed Employed U.S. Citizen U.S. Citizen No 0
0131785888 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1985 XXXXXX 3.0358 Employed (No Data) U.S. Citizen (No Data) No 0
0042539061 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 2.8776 Employed Employed U.S. Citizen U.S. Citizen No 0
0206660184 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 3.4998 Employed Retired U.S. Citizen U.S. Citizen No 0
0494714350 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 3.1248 Employed (No Data) U.S. Citizen (No Data) No 0
0491836125 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1590 XXXXXX 2.7845 Employed (No Data) U.S. Citizen (No Data) No 0
0397262058 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 499 XXXXXX 2.7634 Employed Employed U.S. Citizen U.S. Citizen No 0
0587037809 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 6327 XXXXXX 2.7042 Employed (No Data) Permanent Resident Alien (No Data) No 0
0151895853 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 2928.16 XXXXXX 3.3167 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0790744459 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 2255 XXXXXX 3.2903 Employed Employed U.S. Citizen U.S. Citizen No 0
0673532474 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1425 XXXXXX 3.2837 Employed (No Data) U.S. Citizen (No Data) No 0
0181621277 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1545 XXXXXX 3.5468 Employed Employed U.S. Citizen U.S. Citizen No 0
0932202773 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 3.25 Employed (No Data) U.S. Citizen (No Data) No 0
0925888895 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1545 XXXXXX 3.5308 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0062050438 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1090 XXXXXX 3.8914 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0181958403 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 7737.5 XXXXXX 2.8351 Employed (No Data) Non-Permanent Resident Alien (No Data) No 0
0029761425 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 2.9935 Employed (No Data) U.S. Citizen (No Data) No 0
0760219228 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 990.32 XXXXXX 3.1736 Employed Employed U.S. Citizen U.S. Citizen No 0
0237014610 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 3850 XXXXXX 2.5454 Employed Employed U.S. Citizen U.S. Citizen No 0
0600888426 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 8151 XXXXXX 3.1034 Employed (No Data) U.S. Citizen (No Data) No 0
0516961192 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 11305 XXXXXX 3.1534 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0863540798 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 3.369 Employed Employed U.S. Citizen U.S. Citizen No 0
0539251688 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 4549 XXXXXX 3.079 Employed Employed U.S. Citizen U.S. Citizen No 0
0266556967 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 2.8794 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0369889503 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 13079 XXXXXX 2.7883 Employed Employed U.S. Citizen U.S. Citizen No 0
0164125191 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 13160 XXXXXX 2.8056 Employed Employed U.S. Citizen U.S. Citizen No 0
0458078358 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 12320 XXXXXX 4.0151 Employed Employed U.S. Citizen U.S. Citizen No 0
0496199838 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 8552.81 XXXXXX 2.9987 Employed Employed U.S. Citizen U.S. Citizen No 0
0427942493 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1295 XXXXXX 2.7679 Employed (No Data) U.S. Citizen (No Data) No 0
0479939248 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 11858.72 XXXXXX 3.03 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0182729043 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1419 XXXXXX 3.5211 Retired (No Data) U.S. Citizen (No Data) No 0
0536710165 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 2861.12 XXXXXX 3.4133 Employed (No Data) U.S. Citizen (No Data) No 0
0103868195 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 2270 XXXXXX 2.9951 Employed (No Data) U.S. Citizen (No Data) No 0
0482493786 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 3623.85 XXXXXX 3.4232 Employed (No Data) U.S. Citizen (No Data) No 0
0950660621 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 995 XXXXXX 3.392 Employed Employed U.S. Citizen U.S. Citizen No 0
0328118678 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 3.2501 Employed Employed U.S. Citizen U.S. Citizen No 0
0537555508 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 10910.9 XXXXXX 3.1547 Employed Employed U.S. Citizen Permanent Resident Alien No 0
0754620395 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 2.8823 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0688112187 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 9669 XXXXXX 3.7535 Employed Employed U.S. Citizen U.S. Citizen No 0
0021531962 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1419 XXXXXX 3.3004 Employed Employed U.S. Citizen U.S. Citizen No 0
0269243307 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 891.5 XXXXXX 3.2683 Employed Employed U.S. Citizen U.S. Citizen No 0

 

 

 

 

0035816073 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1745 XXXXXX 3.5312 Unemployed Employed U.S. Citizen U.S. Citizen No 0
0553914933 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 845.73 XXXXXX 3.2426 Employed Employed U.S. Citizen Permanent Resident Alien No 0
0806643303 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 5519.48 XXXXXX 3.3369 Employed Employed U.S. Citizen U.S. Citizen No 0
0859758518 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1419 XXXXXX 3.0187 Unemployed Retired Permanent Resident Alien U.S. Citizen No 0
0506577816 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 3757.16 XXXXXX 3.425 Employed Employed U.S. Citizen U.S. Citizen No 0
0563423801 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1279 XXXXXX 3.6428 Employed (No Data) U.S. Citizen (No Data) No 0
0418295257 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1419 XXXXXX 3.0117 Employed Unemployed U.S. Citizen (No Data) No 0
0912563609 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 250.29 XXXXXX 2.8642 Unemployed Employed U.S. Citizen U.S. Citizen No 0
0703637370 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1419 XXXXXX 3.3006 Employed (No Data) Permanent Resident Alien (No Data) No 0
0149152454 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1629 XXXXXX 3.2746 Retired (No Data) U.S. Citizen (No Data) No 0
0382081842 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 2836.61 XXXXXX 3.4256 Employed Employed U.S. Citizen U.S. Citizen No 0
0208914314 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 3886.13 XXXXXX 3.0464 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0716614307 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1390 XXXXXX 3.0138 Employed (No Data) U.S. Citizen (No Data) No 0
0888555327 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 5985.48 XXXXXX 3.5661 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0965201935 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 8289 XXXXXX 3.012 Employed (No Data) U.S. Citizen (No Data) No 0
0402591909 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 3845.63 XXXXXX 3.6782 Employed Employed U.S. Citizen U.S. Citizen No 0
0652515474 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1419 XXXXXX 3.0663 Employed (No Data) U.S. Citizen (No Data) No 0
0702695241 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 3.625 Employed Employed Non-Permanent Resident Alien Non-Permanent Resident Alien No 0
0572595340 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 7303.88 XXXXXX 3.0891 Employed (No Data) U.S. Citizen (No Data) No 0
0253616978 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1394 XXXXXX 3.5264 Employed (No Data) U.S. Citizen (No Data) No 0
0131143074 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 995 XXXXXX 3.5002 Employed Retired U.S. Citizen U.S. Citizen No 0
0108523736 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 3.4303 Employed Employed U.S. Citizen U.S. Citizen No 0
0530998714 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 3097 XXXXXX 3.2964 Employed Employed U.S. Citizen U.S. Citizen No 0
0499245709 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 2.8802 Employed (No Data) Permanent Resident Alien (No Data) No 0
0727894103 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1238 XXXXXX 2.3957 Employed Employed U.S. Citizen U.S. Citizen No 0
0493652360 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1695 XXXXXX 2.9 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0700155032 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1350 XXXXXX 3.1466 Employed Employed U.S. Citizen U.S. Citizen No 0
0221904550 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1419 XXXXXX 2.9094 Employed Employed U.S. Citizen U.S. Citizen No 0
0816806564 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1348 XXXXXX 3.0209 Employed (No Data) U.S. Citizen (No Data) No 0
0235703331 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 590 XXXXXX 3.0243 Employed (No Data) U.S. Citizen (No Data) No 0
0067435386 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 9876.84 XXXXXX 2.8633 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0646755724 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 4480.76 XXXXXX 3.0519 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0780330810 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 2485.5 XXXXXX 2.899 Employed (No Data) U.S. Citizen (No Data) No 0
0642114573 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 6312.49 XXXXXX 3.0782 Employed Employed U.S. Citizen U.S. Citizen No 0
0394315871 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 7004.58 XXXXXX 3.9054 Employed (No Data) U.S. Citizen (No Data) No 0
0699857463 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1735 XXXXXX 3.2999 Employed (No Data) U.S. Citizen (No Data) No 0
0891591643 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1695 XXXXXX 3.0513 Employed (No Data) Non-Permanent Resident Alien (No Data) No 0
0590902882 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 3.5 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0875272756 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1419 XXXXXX 3.0478 Employed (No Data) U.S. Citizen (No Data) No 0
0202527260 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1350 XXXXXX 3.0195 Employed (No Data) U.S. Citizen (No Data) No 0
0143684089 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 12099.13 XXXXXX 3.6725 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0058613861 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 499 XXXXXX 3.1413 Employed (No Data) U.S. Citizen (No Data) No 0
0557115626 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1199 XXXXXX 2.8948 Employed Employed U.S. Citizen U.S. Citizen No 0
0603761425 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1350 XXXXXX 3.1606 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0534726772 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1350 XXXXXX 3.0185 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0720251413 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 5769.3 XXXXXX 3.5232 Employed Employed U.S. Citizen U.S. Citizen No 0
0768062950 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1350 XXXXXX 3.0269 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0191274934 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1075.25 XXXXXX 3.6425 Employed (No Data) U.S. Citizen (No Data) No 0
0002576110 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 5460 XXXXXX 2.9342 Unemployed Employed U.S. Citizen U.S. Citizen No 0
0605454036 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 2727 XXXXXX 3.665 Employed (No Data) U.S. Citizen (No Data) No 0
0034053723 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 3600.94 XXXXXX 3.1701 Employed Employed U.S. Citizen U.S. Citizen No 0
0513012867 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1202.51 XXXXXX 2.9089 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0536817482 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 17205.5 XXXXXX 3.2612 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0022854168 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1479.98 XXXXXX 3.2706 Retired (No Data) U.S. Citizen (No Data) No 0
0271056797 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 995 XXXXXX 3.3925 Employed Employed U.S. Citizen U.S. Citizen No 0
0481271382 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1195.59 XXXXXX 3.5174 Employed (No Data) Permanent Resident Alien (No Data) No 0
0326816784 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 8399 XXXXXX 3.4798 Employed Unemployed U.S. Citizen Permanent Resident Alien No 0
0318980138 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 3807.88 XXXXXX 3.5612 Employed (No Data) Permanent Resident Alien (No Data) No 0
0074744228 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 6816 XXXXXX 3.3208 Employed Employed U.S. Citizen U.S. Citizen No 0
0927375181 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 20804.69 XXXXXX 3.7084 Employed Employed U.S. Citizen U.S. Citizen No 0
0929654072 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 0 XXXXXX 3.2472 Employed (No Data) U.S. Citizen (No Data) No 0
0395338825 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 9670 XXXXXX 3.0468 Employed (No Data) U.S. Citizen (No Data) No 0
0128984555 QM: GSE Temporary - QM/SH No Yes XXXXXX XXXXXX Yes Yes 1350 XXXXXX 3.162 Employed Employed U.S. Citizen U.S. Citizen No 0

 

 

 EX-99.4 5 tm2136025d1_ex99-4.htm CLAYTON VALUATIONS SUMMARY

 

Exhibit 99.4

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2022-1
Start - End Dates: 03/2020 - 09/2021
Deal Loan Count: 283

 

Valuations Summary  
Loans in Report: 283

 

        Origination Values Desk Review BPO (Broker Price Opinion) AUS Information
Alt Loan Number Seller Loan Number Original Balance Sales Price Value for LTV Appraised Date Appraised Value Appraisal Form AVM Vendor Name Confidence Score Review Date Review Value Variance Amount Variance (%) Review Type Report Date Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%) CU Score
0591919625 XXXXXX XXXXXX XXXXXX XXXXXX 10/21/2019 XXXXXX 1004 SFR (Mar 05)       $0.00       07/07/2020 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0589653309 XXXXXX XXXXXX XXXXXX XXXXXX 06/13/2020 XXXXXX 2055 Ext Only (Mar 05)       $0.00       07/17/2020 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0184168147 XXXXXX XXXXXX XXXXXX XXXXXX 05/01/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.3
0329214567 XXXXXX XXXXXX XXXXXX XXXXXX 10/25/2019 XXXXXX 1004 SFR (Mar 05)       $0.00       02/19/2020 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0257299882 XXXXXX XXXXXX XXXXXX XXXXXX 11/15/2019 XXXXXX 2090 Cooperative (Mar 05)       $0.00       03/02/2020 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0605298977 XXXXXX XXXXXX XXXXXX XXXXXX 02/15/2020 XXXXXX 2090 Cooperative (Mar 05)       $0.00       09/14/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0683188561 XXXXXX XXXXXX XXXXXX XXXXXX 03/13/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/17/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0464348710 XXXXXX XXXXXX XXXXXX XXXXXX 03/03/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.4
0695025599 XXXXXX XXXXXX XXXXXX XXXXXX 05/24/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/14/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0687733180 XXXXXX XXXXXX XXXXXX XXXXXX 04/22/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/14/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0246907499 XXXXXX XXXXXX XXXXXX XXXXXX 11/08/2020 XXXXXX 2090 Cooperative (Mar 05)       $0.00       09/16/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0069023088 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/22/2021 XXXXXX XXXXXX -10.50% (No Data)
0750545179 XXXXXX XXXXXX XXXXXX XXXXXX 12/09/2020 XXXXXX 1004 SFR (Mar 05)       $0.00       09/17/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0561674490 XXXXXX XXXXXX XXXXXX XXXXXX 04/08/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/16/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0254063106 XXXXXX XXXXXX XXXXXX XXXXXX 11/17/2020 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.5
0530498873 XXXXXX XXXXXX XXXXXX XXXXXX 11/23/2020 XXXXXX 2090 Cooperative (Mar 05)       $0.00       09/16/2021 XXXXXXX XXXXXXX 4.27%   $0.00 $0.00 0.00% (No Data)
0181205985 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/21/2021 XXXXXX XXXXXX -3.47% (No Data)
0226997424 XXXXXX XXXXXX XXXXXX XXXXXX 05/01/2021 XXXXXX 1073 Condo (Mar 05)       $0.00       09/14/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0797395355 XXXXXX XXXXXX XXXXXX XXXXXX 02/06/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.4
0717140003 XXXXXX XXXXXX XXXXXX XXXXXX 01/05/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0291871761 XXXXXX XXXXXX XXXXXX XXXXXX 01/25/2021 XXXXXX 2090 Cooperative (Mar 05)       $0.00       09/16/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0346772793 XXXXXX XXXXXX XXXXXX XXXXXX 11/15/2020 XXXXXX 1004 SFR (Mar 05)       $0.00       09/14/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0216861325 XXXXXX XXXXXX XXXXXX XXXXXX 01/06/2021 XXXXXX 2090 Cooperative (Mar 05)       $0.00       09/16/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0894413700 XXXXXX XXXXXX XXXXXX XXXXXX 01/21/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0712906816 XXXXXX XXXXXX XXXXXX XXXXXX 01/28/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0289592115 XXXXXX XXXXXX XXXXXX XXXXXX 02/23/2021 XXXXXX 1073 Condo (Mar 05)       $0.00       09/17/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0804502180 XXXXXX XXXXXX XXXXXX XXXXXX 04/09/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/14/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0288127436 XXXXXX XXXXXX XXXXXX XXXXXX 01/28/2021 XXXXXX 2090 Cooperative (Mar 05)       $0.00       09/17/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0531373213 XXXXXX XXXXXX XXXXXX XXXXXX 02/12/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0175682199 XXXXXX XXXXXX XXXXXX XXXXXX 02/12/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/14/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0792723598 XXXXXX XXXXXX XXXXXX XXXXXX 01/11/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/27/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0666223508 XXXXXX XXXXXX XXXXXX XXXXXX 01/10/2021 XXXXXX 1073 Condo (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.1
0144895631 XXXXXX XXXXXX XXXXXX XXXXXX 01/06/2021 XXXXXX 2090 Cooperative (Mar 05)       $0.00       09/16/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0003443853 XXXXXX XXXXXX XXXXXX XXXXXX 04/30/2021 XXXXXX Desk Review       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0880627528 XXXXXX XXXXXX XXXXXX XXXXXX 01/20/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.6
0809719399 XXXXXX XXXXXX XXXXXX XXXXXX 03/23/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.8
0802657493 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/23/2021 XXXXXX XXXXXX 31.58% (No Data)
0456916385 XXXXXX XXXXXX XXXXXX XXXXXX 01/15/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0953373163 XXXXXX XXXXXX XXXXXX XXXXXX 03/03/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.2
0632527448 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/23/2021 XXXXXX XXXXXX 18.81% (No Data)
0696104514 XXXXXX XXXXXX XXXXXX XXXXXX 01/11/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.4
0920350254 XXXXXX XXXXXX XXXXXX XXXXXX 01/12/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.1
0305986428 XXXXXX XXXXXX XXXXXX XXXXXX 05/17/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.7
0599843945 XXXXXX XXXXXX XXXXXX XXXXXX 01/17/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0781795863 XXXXXX XXXXXX XXXXXX XXXXXX 02/24/2021 XXXXXX 2090 Cooperative (Mar 05)       $0.00       09/16/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0996002459 XXXXXX XXXXXX XXXXXX XXXXXX 01/20/2021 XXXXXX 2090 Cooperative (Mar 05)       $0.00       09/16/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0888310069 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/21/2021 XXXXXX XXXXXX 16.46% (No Data)
0260896471 XXXXXX XXXXXX XXXXXX XXXXXX 05/11/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/15/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0755264329 XXXXXX XXXXXX XXXXXX XXXXXX 05/01/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/15/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0319666688 XXXXXX XXXXXX XXXXXX XXXXXX 01/14/2021 XXXXXX 1073 Condo (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0194449113 XXXXXX XXXXXX XXXXXX XXXXXX 03/16/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.2
0880130265 XXXXXX XXXXXX XXXXXX XXXXXX 01/15/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.2
0659765581 XXXXXX XXXXXX XXXXXX XXXXXX 05/28/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.3
0213989188 XXXXXX XXXXXX XXXXXX XXXXXX 03/18/2021 XXXXXX 1025 Multi-Fam (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0777899380 XXXXXX XXXXXX XXXXXX XXXXXX 02/10/2021 XXXXXX 1073 Condo (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.3
0086564431 XXXXXX XXXXXX XXXXXX XXXXXX 01/25/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0858064769 XXXXXX XXXXXX XXXXXX XXXXXX 03/19/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.3
0761317450 XXXXXX XXXXXX XXXXXX XXXXXX 03/02/2021 XXXXXX 2090 Cooperative (Mar 05)       $0.00       10/20/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0997725414 XXXXXX XXXXXX XXXXXX XXXXXX 02/26/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0932693956 XXXXXX XXXXXX XXXXXX XXXXXX 02/12/2021 XXXXXX 2090 Cooperative (Mar 05)       $0.00       09/17/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0356793416 XXXXXX XXXXXX XXXXXX XXXXXX 03/25/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.3
0548959180 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/23/2021 XXXXXX XXXXXX 43.43% (No Data)
0280405765 XXXXXX XXXXXX XXXXXX XXXXXX 05/06/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.4
0769297579 XXXXXX XXXXXX XXXXXX XXXXXX 03/22/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.2
0913712524 XXXXXX XXXXXX XXXXXX XXXXXX 05/10/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.5
0031683987 XXXXXX XXXXXX XXXXXX XXXXXX 02/18/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0729027996 XXXXXX XXXXXX XXXXXX XXXXXX 04/08/2021 XXXXXX 1073 Condo (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.4
0907955228 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/30/2021 XXXXXX XXXXXX 26.32% (No Data)
0631832071 XXXXXX XXXXXX XXXXXX XXXXXX 02/02/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.5
0668939460 XXXXXX XXXXXX XXXXXX XXXXXX 03/19/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/16/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0337541532 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/23/2021 XXXXXX XXXXXX 0.00% (No Data)
0920598075 XXXXXX XXXXXX XXXXXX XXXXXX 02/05/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.1
0591860522 XXXXXX XXXXXX XXXXXX XXXXXX 02/19/2021 XXXXXX 2090 Cooperative (Mar 05)       $0.00       09/17/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0729834941 XXXXXX XXXXXX XXXXXX XXXXXX 02/03/2021 XXXXXX 1073 Condo (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.9
0730162470 XXXXXX XXXXXX XXXXXX XXXXXX 04/02/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0743122804 XXXXXX XXXXXX XXXXXX XXXXXX 03/11/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0604034159 XXXXXX XXXXXX XXXXXX XXXXXX 02/20/2021 XXXXXX 2090 Cooperative (Mar 05)       $0.00       09/17/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0929483932 XXXXXX XXXXXX XXXXXX XXXXXX 02/24/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.2
0632560243 XXXXXX XXXXXX XXXXXX XXXXXX 02/15/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.4
0134081675 XXXXXX XXXXXX XXXXXX XXXXXX 03/10/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0475337134 XXXXXX XXXXXX XXXXXX XXXXXX 05/18/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/11/2021 XXXXXXX XXXXXXX -6.00%   $0.00 $0.00 0.00% (No Data)

 

 

 

 

0010737787 XXXXXX XXXXXX XXXXXX XXXXXX 04/09/2021 XXXXXX Desk Review       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.6
0994071340 XXXXXX XXXXXX XXXXXX XXXXXX 03/02/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0234758867 XXXXXX XXXXXX XXXXXX XXXXXX 03/17/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0281986538 XXXXXX XXXXXX XXXXXX XXXXXX 03/03/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0380987680 XXXXXX XXXXXX XXXXXX XXXXXX 02/15/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.4
0535439334 XXXXXX XXXXXX XXXXXX XXXXXX 04/21/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       10/20/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0604192470 XXXXXX XXXXXX XXXXXX XXXXXX 05/17/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/15/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0024271483 XXXXXX XXXXXX XXXXXX XXXXXX 02/11/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0446321451 XXXXXX XXXXXX XXXXXX XXXXXX 04/01/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       10/22/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0574288693 XXXXXX XXXXXX XXXXXX XXXXXX 03/10/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.7
0505905108 XXXXXX XXXXXX XXXXXX XXXXXX 02/18/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.3
0588348444 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/23/2021 XXXXXX XXXXXX -0.67% (No Data)
0309128157 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/22/2021 XXXXXX XXXXXX -10.38% (No Data)
0777958281 XXXXXX XXXXXX XXXXXX XXXXXX 03/05/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0452635909 XXXXXX XXXXXX XXXXXX XXXXXX 06/03/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.9
0555100019 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/23/2021 XXXXXX XXXXXX -2.78% (No Data)
0150126337 XXXXXX XXXXXX XXXXXX XXXXXX 03/31/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0856115504 XXXXXX XXXXXX XXXXXX XXXXXX 02/02/2021 XXXXXX 1073 Condo (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0657865877 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/21/2021 XXXXXX XXXXXX 2.80% (No Data)
0816359869 XXXXXX XXXXXX XXXXXX XXXXXX 04/15/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 4.0
0167390180 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/22/2021 XXXXXX XXXXXX -2.86% (No Data)
0191350109 XXXXXX XXXXXX XXXXXX XXXXXX 02/23/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0149636933 XXXXXX XXXXXX XXXXXX XXXXXX 03/10/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0131676703 XXXXXX XXXXXX XXXXXX XXXXXX 03/05/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.1
0401202913 XXXXXX XXXXXX XXXXXX XXXXXX 04/24/2021 XXXXXX 1025 Multi-Fam (Mar 05)       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0939450753 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/26/2021 XXXXXX XXXXXX 5.79% (No Data)
0141156434 XXXXXX XXXXXX XXXXXX XXXXXX 03/04/2021 XXXXXX 2090 Cooperative (Mar 05)       $0.00       09/18/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0537719524 XXXXXX XXXXXX XXXXXX XXXXXX 03/15/2021 XXXXXX 2090 Cooperative (Mar 05)       $0.00       09/23/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0305627538 XXXXXX XXXXXX XXXXXX XXXXXX 03/05/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0876669940 XXXXXX XXXXXX XXXXXX XXXXXX 03/21/2021 XXXXXX 2090 Cooperative (Mar 05)       $0.00       09/23/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0630861076 XXXXXX XXXXXX XXXXXX XXXXXX 03/16/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0242063681 XXXXXX XXXXXX XXXXXX XXXXXX 03/15/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.5
0198067502 XXXXXX XXXXXX XXXXXX XXXXXX 04/30/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/12/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0221480097 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/22/2021 XXXXXX XXXXXX 0.62% (No Data)
0584830555 XXXXXX XXXXXX XXXXXX XXXXXX 03/17/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.2
0583132389 XXXXXX XXXXXX XXXXXX XXXXXX 04/12/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/26/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0548235788 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/21/2021 XXXXXX XXXXXX 0.39% (No Data)
0746734639 XXXXXX XXXXXX XXXXXX XXXXXX 03/15/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0616096505 XXXXXX XXXXXX XXXXXX XXXXXX 03/11/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/14/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0913073001 XXXXXX XXXXXX XXXXXX XXXXXX 03/23/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0457525189 XXXXXX XXXXXX XXXXXX XXXXXX 03/12/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0739014851 XXXXXX XXXXXX XXXXXX XXXXXX 05/07/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0447475177 XXXXXX XXXXXX XXXXXX XXXXXX 04/12/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.2
0136895618 XXXXXX XXXXXX XXXXXX XXXXXX 04/10/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0105045311 XXXXXX XXXXXX XXXXXX XXXXXX 03/17/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0110532198 XXXXXX XXXXXX XXXXXX XXXXXX 04/12/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.4
0423743406 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/22/2021 XXXXXX XXXXXX 1.18% (No Data)
0829883945 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/22/2021 XXXXXX XXXXXX -3.75% (No Data)
0945143123 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/23/2021 XXXXXX XXXXXX 1.65% (No Data)
0923888197 XXXXXX XXXXXX XXXXXX XXXXXX 05/24/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0650052248 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/21/2021 XXXXXX XXXXXX 5.88% (No Data)
0647582937 XXXXXX XXXXXX XXXXXX XXXXXX 04/03/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/12/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0913426988 XXXXXX XXXXXX XXXXXX XXXXXX 04/01/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.3
0488815103 XXXXXX XXXXXX XXXXXX XXXXXX 04/03/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0287260643 XXXXXX XXXXXX XXXXXX XXXXXX 03/30/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.2
0579842159 XXXXXX XXXXXX XXXXXX XXXXXX 03/29/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0559242841 XXXXXX XXXXXX XXXXXX XXXXXX 04/08/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0216719832 XXXXXX XXXXXX XXXXXX XXXXXX 04/22/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.2
0669253634 XXXXXX XXXXXX XXXXXX XXXXXX 05/20/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.4
0587719531 XXXXXX XXXXXX XXXXXX XXXXXX 05/19/2021 XXXXXX 1073 Condo (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.1
0035393275 XXXXXX XXXXXX XXXXXX XXXXXX 04/05/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/12/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0863930084 XXXXXX XXXXXX XXXXXX XXXXXX 05/08/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0124294000 XXXXXX XXXXXX XXXXXX XXXXXX 04/20/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0353492332 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/26/2021 XXXXXX XXXXXX -6.95% (No Data)
0902510691 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/21/2021 XXXXXX XXXXXX 3.68% (No Data)
0498381241 XXXXXX XXXXXX XXXXXX XXXXXX 05/02/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.3
0664399310 XXXXXX XXXXXX XXXXXX XXXXXX 04/07/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0296641163 XXXXXX XXXXXX XXXXXX XXXXXX 04/20/2021 XXXXXX Desk Review       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0657098910 XXXXXX XXXXXX XXXXXX XXXXXX 04/19/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0548277013 XXXXXX XXXXXX XXXXXX XXXXXX 04/16/2021 XXXXXX 1073 Condo (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0493456985 XXXXXX XXXXXX XXXXXX XXXXXX 04/07/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.5
0694585063 XXXXXX XXXXXX XXXXXX XXXXXX 04/22/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.3
0550361547 XXXXXX XXXXXX XXXXXX XXXXXX 04/06/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/12/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0298058926 XXXXXX XXXXXX XXXXXX XXXXXX 05/08/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0766355733 XXXXXX XXXXXX XXXXXX XXXXXX 04/28/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.2
0718541849 XXXXXX XXXXXX XXXXXX XXXXXX 04/03/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0426731379 XXXXXX XXXXXX XXXXXX XXXXXX 05/26/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.5
0335709477 XXXXXX XXXXXX XXXXXX XXXXXX 04/15/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.3
0682053136 XXXXXX XXXXXX XXXXXX XXXXXX 04/29/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.3
0324824473 XXXXXX XXXXXX XXXXXX XXXXXX 05/18/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0687836787 XXXXXX XXXXXX XXXXXX XXXXXX 05/05/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.7
0887675797 XXXXXX XXXXXX XXXXXX XXXXXX 04/21/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.2
0168160028 XXXXXX XXXXXX XXXXXX XXXXXX 04/05/2021 XXXXXX 1073 Condo (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0917461107 XXXXXX XXXXXX XXXXXX XXXXXX 04/17/2021 XXXXXX 1073 Condo (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% 5.0
0200861820 XXXXXX XXXXXX XXXXXX XXXXXX 04/23/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0277300326 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/22/2021 XXXXXX XXXXXX 0.13% (No Data)
0994331338 XXXXXX XXXXXX XXXXXX XXXXXX 04/17/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.2
0420955894 XXXXXX XXXXXX XXXXXX XXXXXX 04/22/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0096671434 XXXXXX XXXXXX XXXXXX XXXXXX 05/01/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0084722509 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/23/2021 XXXXXX XXXXXX 24.52% (No Data)
0685792419 XXXXXX XXXXXX XXXXXX XXXXXX 05/23/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0823661650 XXXXXX XXXXXX XXXXXX XXXXXX 06/07/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0

 

 

 

 

0814054641 XXXXXX XXXXXX XXXXXX XXXXXX 05/11/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/17/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0023842273 XXXXXX XXXXXX XXXXXX XXXXXX 05/12/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0977834578 XXXXXX XXXXXX XXXXXX XXXXXX 05/27/2021 XXXXXX 1073 Condo (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0545652857 XXXXXX XXXXXX XXXXXX XXXXXX 05/25/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0885893931 XXXXXX XXXXXX XXXXXX XXXXXX 05/25/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.4
0465084986 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/26/2021 XXXXXX XXXXXX 1.61% (No Data)
0515587520 XXXXXX XXXXXX XXXXXX XXXXXX 05/06/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0131785888 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/22/2021 XXXXXX XXXXXX 0.00% (No Data)
0042539061 XXXXXX XXXXXX XXXXXX XXXXXX 06/05/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.4
0206660184 XXXXXX XXXXXX XXXXXX XXXXXX 05/19/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.3
0494714350 XXXXXX XXXXXX XXXXXX XXXXXX 05/19/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0491836125 XXXXXX XXXXXX XXXXXX XXXXXX 10/20/2020 XXXXXX 1004 SFR (Mar 05)       $0.00       09/22/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0397262058 XXXXXX XXXXXX XXXXXX XXXXXX 02/23/2021 XXXXXX 1073 Condo (Mar 05)       $0.00       09/28/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0587037809 XXXXXX XXXXXX XXXXXX XXXXXX 03/18/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.1
0151895853 XXXXXX XXXXXX XXXXXX XXXXXX 03/17/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       10/03/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0790744459 XXXXXX XXXXXX XXXXXX XXXXXX 03/19/2021 XXXXXX 1073 Condo (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.3
0673532474 XXXXXX XXXXXX XXXXXX XXXXXX 03/24/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/12/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0181621277 XXXXXX XXXXXX XXXXXX XXXXXX 03/22/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.2
0932202773 XXXXXX XXXXXX XXXXXX XXXXXX 01/21/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0925888895 XXXXXX XXXXXX XXXXXX XXXXXX 03/30/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.9
0062050438 XXXXXX XXXXXX XXXXXX XXXXXX 04/03/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.2
0181958403 XXXXXX XXXXXX XXXXXX XXXXXX 04/06/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0029761425 XXXXXX XXXXXX XXXXXX XXXXXX 03/26/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0760219228 XXXXXX XXXXXX XXXXXX XXXXXX 04/06/2021 XXXXXX 1025 Multi-Fam (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0237014610 XXXXXX XXXXXX XXXXXX XXXXXX 02/08/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.3
0600888426 XXXXXX XXXXXX XXXXXX XXXXXX 03/21/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0516961192 XXXXXX XXXXXX XXXXXX XXXXXX 03/31/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.4
0863540798 XXXXXX XXXXXX XXXXXX XXXXXX 03/30/2021 XXXXXX 1073 Condo (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.2
0539251688 XXXXXX XXXXXX XXXXXX XXXXXX 04/01/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       10/21/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0266556967 XXXXXX XXXXXX XXXXXX XXXXXX 03/31/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.2
0369889503 XXXXXX XXXXXX XXXXXX XXXXXX 03/31/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0164125191 XXXXXX XXXXXX XXXXXX XXXXXX 05/04/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0458078358 XXXXXX XXXXXX XXXXXX XXXXXX 03/22/2021 XXXXXX 1025 Multi-Fam (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0496199838 XXXXXX XXXXXX XXXXXX XXXXXX 04/01/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.1
0427942493 XXXXXX XXXXXX XXXXXX XXXXXX 03/08/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/14/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0479939248 XXXXXX XXXXXX XXXXXX XXXXXX 04/06/2021 XXXXXX 1073 Condo (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.7
0182729043 XXXXXX XXXXXX XXXXXX XXXXXX 04/12/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/14/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0536710165 XXXXXX XXXXXX XXXXXX XXXXXX 02/12/2021 XXXXXX 1073 Condo (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0103868195 XXXXXX XXXXXX XXXXXX XXXXXX 04/13/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/14/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0482493786 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/21/2021 XXXXXX XXXXXX -1.49% (No Data)
0950660621 XXXXXX XXXXXX XXXXXX XXXXXX 01/22/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/14/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0328118678 XXXXXX XXXXXX XXXXXX XXXXXX 04/15/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.7
0537555508 XXXXXX XXXXXX XXXXXX XXXXXX 04/08/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0754620395 XXXXXX XXXXXX XXXXXX XXXXXX 04/30/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0688112187 XXXXXX XXXXXX XXXXXX XXXXXX 04/29/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.1
0021531962 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/21/2021 XXXXXX XXXXXX 7.41% (No Data)
0269243307 XXXXXX XXXXXX XXXXXX XXXXXX 01/26/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.3
0035816073 XXXXXX XXXXXX XXXXXX XXXXXX 04/22/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0553914933 XXXXXX XXXXXX XXXXXX XXXXXX 04/17/2021 XXXXXX 1073 Condo (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.1
0806643303 XXXXXX XXXXXX XXXXXX XXXXXX 04/13/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0859758518 XXXXXX XXXXXX XXXXXX XXXXXX 04/29/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0506577816 XXXXXX XXXXXX XXXXXX XXXXXX 03/03/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.8
0563423801 XXXXXX XXXXXX XXXXXX XXXXXX 03/05/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.4
0418295257 XXXXXX XXXXXX XXXXXX XXXXXX 02/18/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.5
0912563609 XXXXXX XXXXXX XXXXXX XXXXXX 05/04/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0703637370 XXXXXX XXXXXX XXXXXX XXXXXX 04/28/2021 XXXXXX 1073 Condo (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0149152454 XXXXXX XXXXXX XXXXXX XXXXXX 05/14/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0382081842 XXXXXX XXXXXX XXXXXX XXXXXX 05/04/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.6
0208914314 XXXXXX XXXXXX XXXXXX XXXXXX 04/30/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.3
0716614307 XXXXXX XXXXXX XXXXXX XXXXXX 05/07/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.5
0888555327 XXXXXX XXXXXX XXXXXX XXXXXX 03/22/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0965201935 XXXXXX XXXXXX XXXXXX XXXXXX 05/01/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0402591909 XXXXXX XXXXXX XXXXXX XXXXXX 05/11/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       10/05/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0652515474 XXXXXX XXXXXX XXXXXX XXXXXX 05/07/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/16/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0702695241 XXXXXX XXXXXX XXXXXX XXXXXX 03/22/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/16/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0572595340 XXXXXX XXXXXX XXXXXX XXXXXX 05/17/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0253616978 XXXXXX XXXXXX XXXXXX XXXXXX 05/12/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0131143074 XXXXXX XXXXXX XXXXXX XXXXXX 04/15/2021 XXXXXX 1025 Multi-Fam (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0108523736 XXXXXX XXXXXX XXXXXX XXXXXX 03/30/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/26/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0530998714 XXXXXX XXXXXX XXXXXX XXXXXX 04/29/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.2
0499245709 XXXXXX XXXXXX XXXXXX XXXXXX 05/18/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0727894103 XXXXXX XXXXXX XXXXXX XXXXXX 03/03/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0493652360 XXXXXX XXXXXX XXXXXX XXXXXX 05/01/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.2
0700155032 XXXXXX XXXXXX XXXXXX XXXXXX 04/10/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0221904550 XXXXXX XXXXXX XXXXXX XXXXXX 05/02/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0816806564 XXXXXX XXXXXX XXXXXX XXXXXX 05/13/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.2
0235703331 XXXXXX XXXXXX XXXXXX XXXXXX 04/22/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0067435386 XXXXXX XXXXXX XXXXXX XXXXXX 05/13/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.1
0646755724 XXXXXX XXXXXX XXXXXX XXXXXX 04/12/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0780330810 XXXXXX XXXXXX XXXXXX XXXXXX 03/18/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.4
0642114573 XXXXXX XXXXXX XXXXXX XXXXXX 03/01/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0394315871 XXXXXX XXXXXX XXXXXX XXXXXX 05/21/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.2
0699857463 XXXXXX XXXXXX XXXXXX XXXXXX 04/23/2021 XXXXXX 1073 Condo (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.2
0891591643 XXXXXX XXXXXX XXXXXX XXXXXX 05/10/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0590902882 XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX Property Inspection Waiver       $0.00         $0.00 $0.00 0.00% 07/23/2021 XXXXXX XXXXXX 5.90% (No Data)
0875272756 XXXXXX XXXXXX XXXXXX XXXXXX 02/04/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/21/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0202527260 XXXXXX XXXXXX XXXXXX XXXXXX 05/04/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/12/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0143684089 XXXXXX XXXXXX XXXXXX XXXXXX 04/02/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.4
0058613861 XXXXXX XXXXXX XXXXXX XXXXXX 03/03/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.1
0557115626 XXXXXX XXXXXX XXXXXX XXXXXX 03/11/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0603761425 XXXXXX XXXXXX XXXXXX XXXXXX 04/27/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.8
0534726772 XXXXXX XXXXXX XXXXXX XXXXXX 05/10/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.2

 

 

 

 

0720251413 XXXXXX XXXXXX XXXXXX XXXXXX 04/29/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0768062950 XXXXXX XXXXXX XXXXXX XXXXXX 05/04/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0191274934 XXXXXX XXXXXX XXXXXX XXXXXX 05/26/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0002576110 XXXXXX XXXXXX XXXXXX XXXXXX 05/14/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0605454036 XXXXXX XXXXXX XXXXXX XXXXXX 04/15/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0034053723 XXXXXX XXXXXX XXXXXX XXXXXX 05/17/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0513012867 XXXXXX XXXXXX XXXXXX XXXXXX 05/13/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/13/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0536817482 XXXXXX XXXXXX XXXXXX XXXXXX 05/08/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0022854168 XXXXXX XXXXXX XXXXXX XXXXXX 05/03/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.3
0271056797 XXXXXX XXXXXX XXXXXX XXXXXX 04/23/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/15/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0481271382 XXXXXX XXXXXX XXXXXX XXXXXX 05/21/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0326816784 XXXXXX XXXXXX XXXXXX XXXXXX 05/12/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/11/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0318980138 XXXXXX XXXXXX XXXXXX XXXXXX 04/16/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.3
0074744228 XXXXXX XXXXXX XXXXXX XXXXXX 03/26/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.0
0927375181 XXXXXX XXXXXX XXXXXX XXXXXX 05/26/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 2.5
0929654072 XXXXXX XXXXXX XXXXXX XXXXXX 04/12/2021 XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   $0.00 $0.00 0.00% 1.0
0395338825 XXXXXX XXXXXX XXXXXX XXXXXX 06/05/2021 XXXXXX 1073 Condo (Mar 05)       $0.00       09/14/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)
0128984555 XXXXXX XXXXXX XXXXXX XXXXXX 05/17/2021 XXXXXX 1004 SFR (Mar 05)       $0.00       09/14/2021 XXXXXXX $0.00 0.00%   $0.00 $0.00 0.00% (No Data)

 

 

 

 

 EX-99.5 6 tm2136025d1_ex99-5.htm CLAYTON CONDITIONS REPORT

Exhibit 99.5

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2022-1
Start - End Dates: 03/2020 - 09/2021
Deal Loan Count: 283
   
         
Conditions Report 2.0
         
Loans in Report: 283
Loans with Conditions: 140

 

67 - Total Active Conditions
  5 - Material Conditions
      1 - Credit Review Scope
        1 - Category: Legal Documents
      2 - Property Valuations Review Scope
        2 - Category: Value
      2 - Compliance Review Scope
        2 - Category: TILA/RESPA Integrated Disclosure
  62 - Non-Material Conditions
      21 - Credit Review Scope
        1 - Category: Application
        1 - Category: Assets
        4 - Category: Credit/Mtg History
        1 - Category: DTI
        7 - Category: Income/Employment
        4 - Category: Insurance
        1 - Category: Legal Documents
        2 - Category: Terms/Guidelines
      1 - Property Valuations Review Scope
        1 - Category: Property
      40 - Compliance Review Scope
        3 - Category: Borrower's Interest
        1 - Category: Federal Consumer Protection
        10 - Category: RESPA
        4 - Category: Right of Rescission 
        22 - Category: TILA/RESPA Integrated Disclosure
137 - Total Satisfied Conditions
             
      38 - Credit Review Scope
        3 - Category: Application
        9 - Category: Credit/Mtg History
        9 - Category: DTI
        3 - Category: Income/Employment
        9 - Category: Insurance
        4 - Category: Legal Documents
        1 - Category: Terms/Guidelines
      83 - Property Valuations Review Scope
        27 - Category: Appraisal
        54 - Category: FEMA
        2 - Category: Property
      16 - Compliance Review Scope
        4 - Category: Ability to Repay/Qualified Mortgage
        2 - Category: Documentation
        1 - Category: Right of Rescission 
        9 - 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 2022-1
Start - End Dates: 03/2020 - 09/2021
Deal Loan Count: 283
   
         
Conditions Report 2.0
         
Loans in Report: 283
Loans with Conditions: 140

 

Alt Loan Number Original Principal Balance State Initial Lender ATR/QM Status Loan Level ATR/QM Status Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade
0591919625 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A
0589653309 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A
0184168147 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0329214567 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B A A A A
0257299882 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B A A A A
0605298977 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C A A A C A A A
0683188561 XXXXXX UT QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D A A A D A A A
0464348710 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0695025599 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B B A A A A B B
0687733180 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0246907499 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B B A A B A B B
0246907499 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B B A A B A B B
0069023088 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C C A A C C A A
0069023088 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C C A A C C A A
0069023088 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C C A A C C A A
0750545179 XXXXXX UT QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0561674490 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0254063106 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B B B B A A A A
0530498873 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B A A A B A A A
0181205985 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C A A A C A A A
0226997424 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0797395355 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B A A A B A A A
0717140003 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D D D D A A A A
0717140003 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D D D D A A A A
0291871761 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D A D A B A A A
0291871761 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D A D A B A A A
0346772793 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0216861325 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B A A A B A A A
0894413700 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B B A A A A B B
0894413700 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B B A A A A B B
0712906816 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0289592115 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C A A A C A A A
0804502180 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0288127436 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C A A A C A A A
0531373213 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0175682199 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0792723598 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0666223508 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0144895631 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D B A A B A D B
0144895631 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D B A A B A D B
0144895631 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D B A A B A D B
0003443853 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0880627528 XXXXXX VA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0809719399 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0802657493 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B A A C B A A
0802657493 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B A A C B A A
0456916385 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0953373163 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B B A A A A B B
0632527448 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B A A C B A A
0632527448 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B A A C B A A
0696104514 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0920350254 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C A C A A A A A
0305986428 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C C A A A A C C
0599843945 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0781795863 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B A A A B A A A
0996002459 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B A A A B A A A
0888310069 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B A A C B A A
0260896471 XXXXXX MD QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D A D A A A D A
0260896471 XXXXXX MD QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D A D A A A D A
0260896471 XXXXXX MD QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D A D A A A D A
0755264329 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B A A C A B B
0755264329 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B A A C A B B
0755264329 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B A A C A B B
0755264329 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B A A C A B B
0319666688 XXXXXX UT QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C C A A A A C C
0194449113 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0880130265 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0659765581 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0213989188 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0777899380 XXXXXX DC QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0086564431 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0858064769 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0761317450 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B A A A B A A A
0997725414 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0932693956 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C A A A C A A A
0356793416 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0548959180 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D B D A C B A A
0548959180 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D B D A C B A A
0548959180 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D B D A C B A A
0548959180 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D B D A C B A A
0280405765 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0769297579 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0913712524 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0031683987 XXXXXX NY QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C A A A C A A A
0729027996 XXXXXX CT QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0907955228 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B A A C B A A
0907955228 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B A A C B A A
0631832071 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0668939460 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
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0402591909 XXXXXX CO QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B B A A A A B B
0652515474 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0702695241 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C A A A C A A A
0572595340 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D B D B A A A A
0572595340 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D B D B A A A A
0572595340 XXXXXX WA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D B D B A A A A
0253616978 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B B A A A A B B
0131143074 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0108523736 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B B A A B B A A
0530998714 XXXXXX VA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D A D A A A A A
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0727894103 XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C A A A C A A A
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0700155032 XXXXXX VA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0221904550 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
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0394315871 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A A A A A
0699857463 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B A A A A C B
0699857463 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B A A A A C B
0891591643 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B B A A A A B B
0891591643 XXXXXX CA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B B A A A A B B
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0590902882 XXXXXX CO QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B A A C B A A
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0128984555 XXXXXX MD QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH B B A A A A B B

 

Alt Loan Number Initial S&P Overall Loan Grade Final S&P Overall Loan Grade Initial S&P Credit Loan Grade Final S&P Credit Loan Grade Initial S&P Property Valuations Loan Grade Final S&P Property Valuations Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Condition Category Condition Sub Category Condition Status
0591919625 A A A A A A A A      
0589653309 A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0184168147 A A A A A A A A      
0329214567 B B B B A A A A Credit Credit/Mtg History Active
0257299882 B B B B A A A A Credit Terms/Guidelines Active
0605298977 C A A A C A A A Property Valuations FEMA Satisfied
0683188561 D A A A D A A A Property Valuations Appraisal Satisfied
0464348710 A A A A A A A A      
0695025599 B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active
0687733180 A A A A A A A A      
0246907499 B B A A B A B B Compliance TILA/RESPA Integrated Disclosure Active
0246907499 B B A A B A B B Property Valuations FEMA Satisfied
0069023088 C C A A C C A A Property Valuations Appraisal Satisfied
0069023088 C C A A C C A A Property Valuations FEMA Satisfied
0069023088 C C A A C C A A Property Valuations Value Active
0750545179 A A A A A A A A      
0561674490 A A A A A A A A      
0254063106 B B B B A A A A Credit Insurance Active
0530498873 B A A A B A A A Property Valuations FEMA Satisfied
0181205985 C A A A C A A A Property Valuations FEMA Satisfied
0226997424 A A A A A A A A      
0797395355 B A A A B A A A Property Valuations FEMA Satisfied
0717140003 D D D D A A A A Credit Insurance Active
0717140003 D D D D A A A A Credit Legal Documents Active
0291871761 D A D A B A A A Credit Credit/Mtg History Satisfied
0291871761 D A D A B A A A Property Valuations FEMA Satisfied
0346772793 A A A A A A A A      
0216861325 B A A A B A A A Property Valuations FEMA Satisfied
0894413700 B B A A A A B B Compliance RESPA Active
0894413700 B B A A A A B B Compliance RESPA Active
0712906816 A A A A A A A A      
0289592115 C A A A C A A A Property Valuations FEMA Satisfied
0804502180 A A A A A A A A      
0288127436 C A A A C A A A Property Valuations FEMA Satisfied
0531373213 A A A A A A A A      
0175682199 A A A A A A A A      
0792723598 A A A A A A A A      
0666223508 A A A A A A A A      
0144895631 D B A A B A D B Compliance Documentation Satisfied
0144895631 D B A A B A D B Compliance Right of Rescission Active
0144895631 D B A A B A D B Property Valuations FEMA Satisfied
0003443853 A A A A A A A A      
0880627528 A A A A A A A A      
0809719399 A A A A A A A A      
0802657493 C A A A C A A A Property Valuations Appraisal Satisfied
0802657493 C A A A C A A A Property Valuations FEMA Satisfied
0456916385 A A A A A A A A      
0953373163 B B A A A A B B Compliance RESPA Active
0632527448 C A A A C A A A Property Valuations Appraisal Satisfied
0632527448 C A A A C A A A Property Valuations FEMA Satisfied
0696104514 A A A A A A A A      
0920350254 C A C A A A A A Credit Income/Employment Satisfied
0305986428 C C A A A A C C Compliance TILA/RESPA Integrated Disclosure Active
0599843945 A A A A A A A A      
0781795863 B A A A B A A A Property Valuations FEMA Satisfied
0996002459 B A A A B A A A Property Valuations FEMA Satisfied
0888310069 C A A A C A A A Property Valuations Appraisal Satisfied
0260896471 D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0260896471 D A D A A A D A Credit Application Satisfied
0260896471 D A D A A A D A Credit Credit/Mtg History Satisfied
0755264329 C B A A C A B B Compliance TILA/RESPA Integrated Disclosure Active
0755264329 C B A A C A B B Compliance TILA/RESPA Integrated Disclosure Active
0755264329 C B A A C A B B Property Valuations FEMA Satisfied
0755264329 C B A A C A B B Property Valuations Property Satisfied
0319666688 C C A A A A C C Compliance TILA/RESPA Integrated Disclosure Active
0194449113 A A A A A A A A      
0880130265 A A A A A A A A      
0659765581 A A A A A A A A      
0213989188 A A A A A A A A      
0777899380 A A A A A A A A      
0086564431 A A A A A A A A      
0858064769 A A A A A A A A      
0761317450 B A A A B A A A Property Valuations FEMA Satisfied
0997725414 A A A A A A A A      
0932693956 C A A A C A A A Property Valuations FEMA Satisfied
0356793416 A A A A A A A A      
0548959180 D A D A C A A A Credit Credit/Mtg History Satisfied
0548959180 D A D A C A A A Credit Insurance Satisfied
0548959180 D A D A C A A A Property Valuations Appraisal Satisfied
0548959180 D A D A C A A A Property Valuations FEMA Satisfied
0280405765 A A A A A A A A      
0769297579 A A A A A A A A      
0913712524 A A A A A A A A      
0031683987 C A A A C A A A Property Valuations FEMA Satisfied
0729027996 A A A A A A A A      
0907955228 C A A A C A A A Property Valuations Appraisal Satisfied
0907955228 C A A A C A A A Property Valuations FEMA Satisfied
0631832071 A A A A A A A A      
0668939460 A A A A A A A A      
0337541532 C A A A C A A A Property Valuations Appraisal Satisfied
0337541532 C A A A C A A A Property Valuations FEMA Satisfied
0920598075 C B A A A A C B Compliance Right of Rescission Satisfied
0591860522 B B B B B A A A Credit Terms/Guidelines Active
0591860522 B B B B B A A A Property Valuations FEMA Satisfied
0729834941 A A A A A A A A      
0730162470 C A A A C A A A Property Valuations FEMA Satisfied
0743122804 A A A A A A A A      
0604034159 B A A A B A A A Property Valuations FEMA Satisfied
0929483932 D A D A C A A A Credit Insurance Satisfied
0929483932 D A D A C A A A Property Valuations FEMA Satisfied
0632560243 A A A A A A A A      
0134081675 A A A A A A A A      
0475337134 B B B B A A A A Credit Insurance Active
0010737787 C A A A C A A A Property Valuations FEMA Satisfied
0994071340 B B A A A A B B Compliance Borrower's Interest Active
0234758867 D A D A A A A A Credit DTI Satisfied
0281986538 D A D A A A A A Credit Legal Documents Satisfied
0380987680 A A A A A A A A      
0535439334 A A A A A A A A      
0604192470 A A A A A A A A      
0024271483 A A A A A A A A      
0446321451 A A A A A A A A      
0574288693 C A A A C A A A Property Valuations FEMA Satisfied
0505905108 A A A A A A A A      
0588348444 C A A A C A A A Property Valuations Appraisal Satisfied
0588348444 C A A A C A A A Property Valuations FEMA Satisfied
0309128157 C C A A C C A A Property Valuations Appraisal Satisfied
0309128157 C C A A C C A A Property Valuations FEMA Satisfied
0309128157 C C A A C C A A Property Valuations Value Active
0777958281 B B A A A A B B Compliance Borrower's Interest Active
0452635909 A A A A A A A A      
0555100019 C A A A C A A A Property Valuations Appraisal Satisfied
0150126337 B B A A A A B B Compliance Right of Rescission Active
0856115504 C A C A A A A A Credit Insurance Satisfied
0657865877 C A A A C A A A Property Valuations Appraisal Satisfied
0657865877 C A A A C A A A Property Valuations FEMA Satisfied
0816359869 C B A A C A B B Compliance RESPA Active
0816359869 C B A A C A B B Compliance TILA/RESPA Integrated Disclosure Active
0816359869 C B A A C A B B Property Valuations FEMA Satisfied
0167390180 C A A A C A A A Property Valuations Appraisal Satisfied
0191350109 A A A A A A A A      
0149636933 B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active
0131676703 A A A A A A A A      
0401202913 B B A A A A B B Compliance RESPA Active
0939450753 C A A A C A A A Property Valuations Appraisal Satisfied
0939450753 C A A A C A A A Property Valuations FEMA Satisfied
0141156434 B A A A B A A A Property Valuations FEMA Satisfied
0537719524 B A A A B A A A Property Valuations FEMA Satisfied
0305627538 C A C A A A A A Credit Insurance Satisfied
0876669940 A A A A A A A A      
0630861076 A A A A A A A A      
0242063681 A A A A A A A A      
0198067502 A A A A A A A A      
0221480097 D B D A C A B B Compliance TILA/RESPA Integrated Disclosure Active
0221480097 D B D A C A B B Credit Credit/Mtg History Satisfied
0221480097 D B D A C A B B Property Valuations Appraisal Satisfied
0584830555 A A A A A A A A      
0583132389 C A C A A A A A Credit Insurance Satisfied
0548235788 C A A A C A A A Property Valuations FEMA Satisfied
0746734639 C A A A C A A A Property Valuations FEMA Satisfied
0616096505 A A A A A A A A      
0913073001 B B A A A A B B Compliance RESPA Active
0457525189 A A A A A A A A      
0739014851 A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0447475177 A A A A A A A A      
0136895618 A A A A A A A A      
0105045311 A A A A A A A A      
0110532198 D A D A C A A A Credit Insurance Satisfied
0110532198 D A D A C A A A Property Valuations FEMA Satisfied
0423743406 B A A A B A A A Property Valuations Appraisal Satisfied
0829883945 C A A A C A A A Property Valuations Appraisal Satisfied
0829883945 C A A A C A A A Property Valuations FEMA Satisfied
0945143123 C B A A C A B B Compliance TILA/RESPA Integrated Disclosure Active
0945143123 C B A A C A B B Property Valuations Appraisal Satisfied
0945143123 C B A A C A B B Property Valuations FEMA Satisfied
0923888197 A A A A A A A A      
0650052248 C A A A C A A A Property Valuations Appraisal Satisfied
0650052248 C A A A C A A A Property Valuations FEMA Satisfied
0647582937 A A A A A A A A      
0913426988 A A A A A A A A      
0488815103 A A A A A A A A      
0287260643 B B A A A A B B Compliance RESPA Active
0579842159 A A A A A A A A      
0559242841 D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0559242841 D A D A A A D A Compliance Documentation Satisfied
0559242841 D A D A A A D A Credit Insurance Satisfied
0216719832 B B B B A A A A Credit Insurance Active
0669253634 A A A A A A A A      
0587719531 A A A A A A A A      
0035393275 D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0035393275 D A D A A A D A Credit Insurance Satisfied
0863930084 A A A A A A A A      
0124294000 A A A A A A A A      
0353492332 C A A A C A A A Property Valuations Appraisal Satisfied
0353492332 C A A A C A A A Property Valuations FEMA Satisfied
0902510691 C B A A C A B B Compliance TILA/RESPA Integrated Disclosure Active
0902510691 C B A A C A B B Property Valuations Appraisal Satisfied
0498381241 A A A A A A A A      
0664399310 A A A A A A A A      
0296641163 A A A A A A A A      
0657098910 A A A A A A A A      
0548277013 A A A A A A A A      
0493456985 A A A A A A A A      
0694585063 B B B B A A A A Credit Income/Employment Active
0550361547 A A A A A A A A      
0298058926 A A A A A A A A      
0766355733 A A A A A A A A      
0718541849 A A A A A A A A      
0426731379 B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active
0335709477 A A A A A A A A      
0682053136 C A A A C A A A Property Valuations FEMA Satisfied
0324824473 D B D A A A B B Compliance TILA/RESPA Integrated Disclosure Active
0324824473 D B D A A A B B Credit Credit/Mtg History Satisfied
0687836787 B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active
0687836787 B B B B A A B B Credit Assets Active
0887675797 A A A A A A A A      
0168160028 B B B B A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0168160028 B B B B A A A A Credit DTI Active
0917461107 A A A A A A A A      
0200861820 A A A A A A A A      
0277300326 D A D A C A A A Credit Credit/Mtg History Satisfied
0277300326 D A D A C A A A Property Valuations Appraisal Satisfied
0994331338 A A A A A A A A      
0420955894 A A A A A A A A      
0096671434 D A D A A A A A Credit DTI Satisfied
0096671434 D A D A A A A A Credit Insurance Satisfied
0084722509 B B A A B A B B Compliance Borrower's Interest Active
0084722509 B B A A B A B B Property Valuations FEMA Satisfied
0685792419 D A D A A A A A Credit Credit/Mtg History Satisfied
0823661650 A A A A A A A A      
0814054641 B B A A A A B B Compliance RESPA Active
0023842273 A A A A A A A A      
0977834578 A A A A A A A A      
0545652857 D A D A A A A A Credit Application Satisfied
0885893931 A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0465084986 C A A A C A A A Property Valuations Appraisal Satisfied
0515587520 D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0515587520 D A D A A A D A Credit Credit/Mtg History Satisfied
0131785888 B A A A B A A A Property Valuations FEMA Satisfied
0042539061 A A A A A A A A      
0206660184 A A A A A A A A      
0494714350 B B B B A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0494714350 B B B B A A A A Credit Income/Employment Active
0491836125 A A A A A A A A      
0397262058 B B A A A A B B Compliance Federal Consumer Protection Active
0587037809 B B B B A A A A Credit Application Active
0151895853 D A A A D A A A Property Valuations Appraisal Satisfied
0790744459 C A C A A A A A Credit Income/Employment Satisfied
0673532474 B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active
0181621277 A A A A A A A A      
0932202773 A A A A A A A A      
0925888895 A A A A A A A A      
0062050438 A A A A A A A A      
0181958403 B B B B A A A A Credit Credit/Mtg History Active
0029761425 D A D A A A A A Credit DTI Satisfied
0760219228 A A A A A A A A      
0237014610 A A A A A A A A      
0600888426 A A A A A A A A      
0516961192 D B D B A A A A Credit DTI Satisfied
0516961192 D B D B A A A A Credit Legal Documents Active
0863540798 A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0539251688 A A A A A A A A      
0266556967 A A A A A A A A      
0369889503 A A A A A A A A      
0164125191 A A A A A A A A      
0458078358 C A A A C A A A Property Valuations FEMA Satisfied
0496199838 A A A A A A A A      
0427942493 A A A A A A A A      
0479939248 B B B B A A A A Credit Income/Employment Active
0182729043 A A A A A A A A      
0536710165 C B A A C A B B Compliance TILA/RESPA Integrated Disclosure Active
0536710165 C B A A C A B B Property Valuations FEMA Satisfied
0103868195 C B B B C A A A Credit Income/Employment Active
0103868195 C B B B C A A A Property Valuations FEMA Satisfied
0482493786 C B A A C A B B Compliance TILA/RESPA Integrated Disclosure Active
0482493786 C B A A C A B B Property Valuations Appraisal Satisfied
0950660621 A A A A A A A A      
0328118678 D A D A A A A A Credit Income/Employment Satisfied
0328118678 D A D A A A A A Credit Terms/Guidelines Satisfied
0537555508 D B D A A A B B Compliance TILA/RESPA Integrated Disclosure Active
0537555508 D B D A A A B B Credit Application Satisfied
0754620395 C B A A C A B B Compliance RESPA Active
0754620395 C B A A C A B B Property Valuations Property Satisfied
0688112187 B B B B A A A A Credit Income/Employment Active
0021531962 C A A A C A A A Property Valuations Appraisal Satisfied
0021531962 C A A A C A A A Property Valuations FEMA Satisfied
0269243307 A A A A A A A A      
0035816073 A A A A A A A A      
0553914933 A A A A A A A A      
0806643303 B B B B A A A A Credit Income/Employment Active
0859758518 D A D A A A A A Credit Credit/Mtg History Satisfied
0859758518 D A D A A A A A Credit Legal Documents Satisfied
0506577816 D A D A A A A A Credit Legal Documents Satisfied
0563423801 A A A A A A A A      
0418295257 A A A A A A A A      
0912563609 A A A A A A A A      
0703637370 B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active
0149152454 C A C A A A A A Credit DTI Satisfied
0382081842 A A A A A A A A      
0208914314 B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
0716614307 A A A A A A A A      
0888555327 D A D A A A A A Credit DTI Satisfied
0965201935 A A A A A A A A      
0402591909 B B A A A A B B Compliance Right of Rescission  Active
0402591909 B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active
0652515474 A A A A A A A A      
0702695241 C A A A C A A A Property Valuations FEMA Satisfied
0572595340 D B D B A A A A Credit DTI Satisfied
0572595340 D B D B A A A A Credit Income/Employment Active
0572595340 D B D B A A A A Credit Legal Documents Satisfied
0253616978 B B A A A A B B Compliance RESPA Active
0131143074 A A A A A A A A      
0108523736 B B A A B B A A Property Valuations Property Active
0530998714 D A D A A A A A Credit DTI Satisfied
0499245709 B B B B A A A A Credit Credit/Mtg History Active
0727894103 C A A A C A A A Property Valuations FEMA Satisfied
0493652360 A A A A A A A A      
0700155032 A A A A A A A A      
0221904550 A A A A A A A A      
0816806564 A A A A A A A A      
0235703331 A A A A A A A A      
0067435386 A A A A A A A A      
0646755724 A A A A A A A A      
0780330810 A A A A A A A A      
0642114573 D A D A A A A A Credit DTI Satisfied
0394315871 A A A A A A A A      
0699857463 C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0699857463 C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0891591643 B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active
0891591643 B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active
0590902882 C A A A C A A A Property Valuations Appraisal Satisfied
0590902882 C A A A C A A A Property Valuations FEMA Satisfied
0875272756 A A A A A A A A      
0202527260 B B B B A A A A Credit Credit/Mtg History Active
0143684089 A A A A A A A A      
0058613861 C A A A C A A A Property Valuations FEMA Satisfied
0557115626 B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active
0603761425 A A A A A A A A      
0534726772 A A A A A A A A      
0720251413 A A A A A A A A      
0768062950 A A A A A A A A      
0191274934 B B A A A A B B Compliance Right of Rescission  Active
0002576110 A A A A A A A A      
0605454036 A A A A A A A A      
0034053723 A A A A A A A A      
0513012867 A A A A A A A A      
0536817482 A A A A A A A A      
0022854168 A A A A A A A A      
0271056797 C A A A C A A A Property Valuations FEMA Satisfied
0481271382 A A A A A A A A      
0326816784 A A A A A A A A      
0318980138 A A A A A A A A      
0074744228 A A A A A A A A      
0927375181 A A A A A A A A      
0929654072 A A A A A A A A      
0395338825 A A A A A A A A      
0128984555 B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active

 

Alt Loan Number Initial Securitization Condition Grade Final Securitization Condition Grade Initial S&P Condition Grade Final S&P Condition Grade Condition Code Condition Description Condition Material Indicator Initial Comments Client/Seller Response Comments
0591919625                  
0589653309 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0184168147                  
0329214567 B B B B CRDCRMH118 Mortgage/rental lates exceed guidelines No Approved Lender exception for housing payment history with 1x30 in the past 12 months.  The recent mortgage late is an isolated event in an otherwise perfect payment history. Clayton considers non-material based on compensating factors of a $650 payment reduction, 53.28 months PITI reserves VS 12 months required, $16,124.04 in residual income, and DTI of 35.50% (No Data)
0257299882 B B B B CRDTER3262 Property issues indicated No Lender approved exception for Coop Combination  (used unacceptable property type in CORE and NRRS as COOP combo not in drop down) Underwriter/  Risks COOP combo ARM Housing shock $7076 to $8258 Offsets 61% LTV 17/17% ratios R/ T  paying off HFI first 7/1 full am ARM Job time 4 years for both Residual income $47k Ability to save Liquid PCL $381k Gross retirement $439k Low re debt $7835 MC:1 Logic: Borrowers are  completing a R/T refinance to pay off HFI first on unit XXX and purchase unit XXX and then combine the units. No other properties owned. . Clayton deems non-material based on compensating factors of 794  qualifying score. Min required per guidelines is 720, DTI is 15.00% max per guidelines is 43% and  LTV is 60.27%; max allowed per guidelines is 70%. (No Data)
0605298977 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No FEMA declaration date of XXX for XXX. No subsequent inspection, PDI required (No Data)
0683188561 D A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Missing certificate of completion. 9/23/2021 - Client provided a final inspection of home dated XXX with no additional repairs needed and passing inspection.
0464348710                  
0695025599 B B B B CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0687733180                  
0246907499 B B B B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No The Finance charge is under disclosed by $823.00. Final CD Dated XXX disclosed finance charge as $311,773.18, review calculated finance charge to be $310,950.17. Requires corrected PCCD, copy of refund check, reopen of rescission, LOX and verification of shipping. (No Data)
0246907499 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA Declaration date XXX. Effective date XXX. (No Data)
0069023088 C B C B PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No PIW file; BPO required. 10.1.21: BPO provided
0069023088 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA 1XXXX Public XXXX (No Data)
0069023088 C C C C PRVAVALU5249 Property Value Not Supported Yes 9.30.21: BPO value is $XXX, value on AUS is $XXX, out of tolerance. 10/22/2021 - Client response; This loan was eligible for an GSE Appraisal Waiver. DU = DU accepts the value submitted ($XXX) as the market value for this subject property. This loan is eligible for delivery to XXX without an appraisal and is eligible for representation and warranty relief on the value, condition, and marketability of the subject property if the appraisal waiver is exercised by the lender at the time of loan delivery.  LP = Loan is eligible for collateral representation and warranty relief with an appraisal waiver. The submitted value estimate or purchase price ($XXX) is accepted as the value of the subject property; an appraisal is not required and Seller will be relieved of representations and warranties related to value, condition and marketability. BPO provided and required with $XXX value is outside of the 10% variance tolerance from $XXXPIW value used at closing. 10.5% variance.
0750545179                  
0561674490                  
0254063106 B B B B CRDINSR848 Missing Hazard Insurance No HOI on CD, however file is missing copy of Dec page to show coverage dates as well as lien holder information. (No Data)
0530498873 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No subsequent inspection following Natural Disaster  XXX, FEMA declaration #XXX on XXXX. (No Data)
0181205985 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since FEMA XXX Public & XXX. (No Data)
0226997424                  
0797395355 B A B A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No FEMA disaster declaration date is XXX. No subsequent inspection. PDI required (No Data)
0717140003 B B B B CRDINSR5351 Insurance Effective date is greater than the transaction date No Provide documentation to support HOI coverage from 7/17/20-7/17/21.  Documentation in file 7/17/21-7/17/22. (No Data)
0717140003 D D D D CRDLGL140 Missing subordination agreement for existing junior lien Yes Missing subordination agreement from XXX referencing the current XXX loan with balance $XXX and dated at the time of origination XXX.  Subordination Agreement in file dated prior to close XXX. (No Data)
0291871761 D A D A CRDCRMH189 Missing credit report No Provide the complete credit report XXX. 09/23/2021 - Client provided full credit report dated XXX.
0291871761 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No FEMA disaster with declaration date XXX with no subsequent exception.  PDI is required. (No Data)
0346772793                  
0216861325 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No Appraisal is dated XXX, no subsequent inspection since the FEMA Disaster XXX XXX. (No Data)
0894413700 B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations is missing (No Data)
0894413700 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Respa Affiliate Business Disclosure missing (No Data)
0712906816                  
0289592115 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No Appraisal is dated XXX, no subsequent inspection since the FEMA Disaster XXX XXX. (No Data)
0804502180                  
0288127436 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No FEMA disaster declaration date XXX with no subsequent exception.  PDI is required. (No Data)
0531373213                  
0175682199                  
0792723598                  
0666223508                  
0144895631 D A D A CMPDOC806 Notary Status is missing No Missing the Notary page for the Loan Security Agreement. 9/21/2021 - Lender responded ' Notary isn't required for a Coop Loan Security Agreement.  Check agreement all 7 pages present, nothing missing. ' Review confirmed the 7 pages complete Security Instrument is in file with no spot for a Notary on page 7; however, there is a separate required 2 page XXX document on pages 489 and 490 that is blank, not signed. 9/23/2021 - Client provided a signed and dated XXX certificate.
0144895631 B B B B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. (No Data)
0144895631 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No FEMA disaster with declaration date XXX with no subsequent inspection.  PDI is required. (No Data)
0003443853                  
0880627528                  
0809719399                  
0802657493 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No PIW loan; BPO required. 10/01/2021 - BPO provided.
0802657493 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since FEMA XXX Public &XXX (No Data)
0456916385                  
0953373163 B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing Homeowners Counselors List page. (No Data)
0632527448 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No File is missing BPO to support PIW. 10/01/2021 - BPO provided.
0632527448 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No FEMA disaster declaration date XXX. No subsequent inspection. PDI required (No Data)
0696104514                  
0920350254 C A C A CRDINC150 Income docs do not meet guidelines No Documentation in file from XXX shows monthly periodic distribution of $6,000 that matches deposits in bank statements.  Provide verification of current distribution of $9,000.00 monthly. 9/22/2021 - Client provided XXX statement showing deposit from XXX for $XXXX on XXX.
0305986428 C C C C CMPTRID5152 TRID - CD: Monthly Non-Escrowed Amount in Projected Payments is inconsistent with annual cost in the Loan Disclosures section Yes The CDs do not show any inconsistencies. 10/05/2021: "Agree: Monthly Non-Escrowed Amount on the Projected Payments table is $420 ($1132.76 - $712.76). Loan Disclosures section Non-Escrowed Property Costs over Year 1 is $528 or $44 per month. Per Appraisal and system of record, monthly HOA is $44. Remediation: Post Closing CD to reflect the corrected Projected Payments - Estimated Taxes, Insurance and Assessments with the correct Monthly Non-Escrowed Amount."10/21/2021: Agree: Further review completed. The final CD signed at closing was incorrectly disclosed to the borrower with monthly escrow as $712.76 (Taxes $608.29 and Hazard $104.47). Per Tax Certificate, annual Tax amount is $11,811.48 (or $$984.29 per month). Total monthly escrow should be $1,088.76 (Taxes $984.29 + Hazard $104.47). See attached Tax Statement and Housing Expenses. Unable to remediate.
0599843945                  
0781795863 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No FEMA disaster with declaration date XXX with no subsequent inspection.  PDI is required. (No Data)
0996002459 B A B A PRVAFEMA229 Natural Disaster Area, Subseq inspect prior to Disaster (Public) No No subsequent inspection since FEMA disaster (XXX). PDI required. (No Data)
0888310069 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No Missing the BPO 10/01/2021 - BPO provided.
0260896471 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing complete credit report dated XXX.  File contains summary page only, reviewer is unable to calculated DTI. 9/22/2021 - Client provided complete credit report dated XXX.
0260896471 B A B A CRDAPP4625 The orig file does not contain a third party fraud report No Missing Third Party Fraud Report. 10/22/21: Fraud report received
0260896471 D A D A CRDCRMH183 Credit report incomplete No Missing completed credit report dated XXX.  File contains Summary page only for credit report dated XXX and XXX.  Debts utilized for the review was from the 1003.  Credit report should also reflect mortgage payment history. 9/22/2021 - Client provided complete credit report dated XXX.
0755264329 B B B B CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0755264329 B B B B CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0755264329 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No XXX on XXX. Need property  inspection dated after XXX. (No Data)
0755264329 C A C A PRVAPROP2674 Property Issues Indicated 2 No PUD rider in file. Appraisal is not marked as a PUD, $0 HOA fee and no comments. Appraiser to address. 9/27/2021 - Client provided info from the builder; No HOA dues from subject property.
0319666688 C C C C CMPTRID3966 TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected Yes Final CD XXX page 5 neither box is checked for declined it or lender does not offer one. 10/01/201: Agree: Consummation CD issued XXX Loan Disclosures section on page 4 will not have an escrow account because boxes are not checked. Updated Post Close CD to show either because you declined it or because your lender does not offer one box being checked required to remedy.
0194449113                  
0880130265                  
0659765581                  
0213989188                  
0777899380                  
0086564431                  
0858064769                  
0761317450 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No Natural Disaster Area, no subsequent inspection (Public) FEMA Declaration #XXX dated XXX, effective XXX for XXX XXX. Appraisal dated XXX. (No Data)
0997725414                  
0932693956 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No The subject property closed on XXX and the appraisal was dated XXX. The subject property was located in a FEMA Disaster area with an effective date of XXX for XXX. The file did not contain a post disater inspection. (No Data)
0356793416                  
0548959180 D A D A CRDCRMH189 Missing credit report No Credit Report appears to be frozen and data is incomplete. Provide credit report used in AUS dated XXX 9/30/2021 - Client provided complete credit report for the borrowers with credit scores.
0548959180 D A D A CRDINSR2400 Missing Flood Certification Document No Missing Flood Cert. 9/30/2021 - Client provided copy of Flood Cert X zone for subject property.
0548959180 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No Loan is AUS approved with PIW. BPO required, not in file. 10/01/2021 - BPO provided.
0548959180 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA XXX Public XXX (No Data)
0280405765                  
0769297579                  
0913712524                  
0031683987 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No FEMA disaster declaration date is XXX. No subsequent inspection. PDI required (No Data)
0729027996                  
0907955228 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No File is missing BPO 10/01/2021 - BPO provided.
0907955228 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No FEMA disaster declaration date is XXX. No subsequent inspection. PDI required (No Data)
0631832071                  
0668939460                  
0337541532 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No File is missing BPO (No Data)
0337541532 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since FEMA XXX disaster #XXX declared XXX. (No Data)
0920598075 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No  Notice of Right to Cancel transaction date is XXX. "How to Cancel" midnight date is XXX providing 3 business days. Disbursement date per final CD and system of record is XXX 10/01/2021: Agree: Notice of Right to Cancel transaction date is XXX. "How to Cancel" midnight date is XXX providing 3 business days. Disbursement date per final CD and system of record is XXX. Proper rescission period was not provided. Re-opening of rescission is required.10/25/2021: """Disagree: Rescision was re-opened and the issue was remediated accordingly. Disbursement date per final CD and system of record is XXX. A PCCD with an updated disbursement of XXX cannot be issue, as funds were truly disbursed on XXX before end of statutory rescission period.TRID does not require redisclosure if the only changes that would be required to be disclosed in the corrected disclosure are changes to per-diem interest and any disclosures affected by the change in per-diem interest, even if the amount of per-diem interest actually paid by the consumer differs from the amount disclosed under  1026.38(g)(2) and (o) 2. Here, WF Legal interprets disclosures to include dates (disbursement/per diem dates).XXX Legal interprets the TRID requirements to say the dates themselves (disbursement and prepaid per-diem interest) do not require redisclosure, but rather changes to the prepaid amounts or finance charges would require redisclosure. Therefore, XXX Legal takes the position that the requirement to redisclose the dates is not a TRID requirement, but rather a purchaser requirement. """10/21/2021: new Notice of Right to cancel  was provided to the borrowers on XXX with new rescission end date of XXX
0591860522 B B B B CRDTER3122 Loan documents do not meet guideline requirements No Provide documentation supporting omission of XXX #XXX. (No Data)
0591860522 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No FEMA disaster declaration date XXX. No subsequent inspection. PDI required. (No Data)
0729834941                  
0730162470 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No Natural Disaster Area, no subsequent inspection (Individual & Public)FEMA Declaration #XXX dated XXX, effective XXX for XXX XXX. (No Data)
0743122804                  
0604034159 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA XXX Public XXXX XXX. (No Data)
0929483932 D A D A CRDINSR3278 Hazard Insurance documentation in file is incomplete No Missing Hazard Insurance Policy with Declaration Page. 9/27/2021 - Client provided proof of Hazard insurance for subject property.
0929483932 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No Natural Disaster Area, no subsequent inspection (Individual & Public)FEMA Declaration #XXX dated XXX, effective date of XXX for XXX XXX. (No Data)
0632560243                  
0134081675                  
0475337134 B B B B CRDINSR5351 Insurance Effective date is greater than the transaction date No The hazard insurance document in file does not indicate effective date and expiration date is XXX.  Provide verification of insurance coverage at time of origination XXX (No Data)
0010737787 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since FEMA XXXX Public & Individual XXX XXX. (No Data)
0994071340 B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No Missing Massachusetts Borrower Interest Worksheet. (No Data)
0234758867 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Provide documentation supporting property address and  12 month mortgage verification from XXX 9/27/2021 - Client responded XXX was a preapproval for purchase of an investment property. The property (address) had not been identified. Proposed non-subject PITI $3367.70. XXX AUS to support the preapproval attached. ' Client provided Feedback Cert for subject property.
0281986538 D A D A CRDLGL988 Loan File is Missing or Contains Insufficient Documentation for Basic Review No Missing credit report. 9/22/2021 - Client provided complete credit report dated XXX
0380987680                  
0535439334                  
0604192470                  
0024271483                  
0446321451                  
0574288693 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since FEMA XXXPublic & Individual XXX XXX #XXX (No Data)
0505905108                  
0588348444 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No PIW file, BPO required. 10/01/2021 - BPO provided.
0588348444 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA XXX Public XXX (No Data)
0309128157 C B C B PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No Approved with PIW. BPO required. 10/01/2021 - BPO provided.
0309128157 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No subsequent property inspection since FEMA XXX (No Data)
0309128157 C C C C PRVAVALU5249 Property Value Not Supported Yes BPO value of XXX creates a 10.39% value variance from XXX used to qualify. (No Data)
0777958281 B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No The Borrower Interest was missing out of the file. (No Data)
0452635909                  
0555100019 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No BPO on file. 10/01/2021 - BPO provided.
0150126337 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data)
0856115504 C A C A CRDINSR289 Insufficient Hazard Insurance Coverage No Homeowners policy in file does not show guaranteed replacement cost,  file does not contain the insurable value breakdown by the Insurance Company.  Please provide proof of GRC or the breakdown. 10/01/2021 - Client provided a copy of an active condo master Hazard policy with $XXX in building coverage.
0657865877 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No PIW file; missing BPO 10/01/2021 - BPO provided.
0657865877 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since FEMA XXX (No Data)
0816359869 B B B B CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No Saturday is not a business day. Cancel exception. (No Data)
0816359869 B B B B CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0816359869 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No FEMA disaster declaration date XXX. No subsequent inspection. PDI required (No Data)
0167390180 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No Loan documents include PIW. File is missing BPO 10/01/2021 - BPO provided.
0191350109                  
0149636933 B B B B CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Section H of Seller's CD indicates RE Commission $29,878.50 for Seller's agent;  $29,878.50 for Buyer's agent. However, only Buyers agent commission of $29,878.50 is reported on final CD dated XXX. (No Data)
0131676703                  
0401202913 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure document in the file. (No Data)
0939450753 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No PIW file; BPO required. 10/01/2021 - BPO provided.
0939450753 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since FEMA XXX Public XXX (No Data)
0141156434 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No subsequent inspection following FEMA #XXX disaster, XXX XXX on XXX. (No Data)
0537719524 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No FEMA disaster declared since qualifying appraisal. No subsequent inspection provided. PDI required. (No Data)
0305627538 C A C A CRDINSR289 Insufficient Hazard Insurance Coverage No Provide 100% guaranteed replacement or replacement cost calculation. 10/1/21: Evidence of current hazard insurance reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. Insurance policy & homeowners declarations attached.   
0876669940                  
0630861076                  
0242063681                  
0198067502                  
0221480097 B B B B CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0221480097 D A D A CRDCRMH189 Missing credit report No Missing credit report from file.   10/04/2021 - Client provided complete credit report with scores.
0221480097 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No Loan file contains PIW, missing copy of BPO 10/01/2021 - BPO provided.
0584830555                  
0583132389 C A C A CRDINSR289 Insufficient Hazard Insurance Coverage No Per HOI,the coverage amount of $XXX is low compare to the loan amount.Replacement cost breakdown in file but not enough. 10/01/2021 - client provided a copy of Hazard policy with 50% extended replacement coverage and $XXX other structure coverage. Hazard coverage sufficient.
0548235788 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No Natural Disaster Area, no subsequent inspection (Individual & Public) Subject loan is a PIW. FEMA Declaration # XXX dated XXX, effective XXX for XXX. (No Data)
0746734639 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No Appraisal dated XXX, no subsequent inspection since the FEMA Disaster XXX. (No Data)
0616096505                  
0913073001 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure missing from file (No Data)
0457525189                  
0739014851 A A A A CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0447475177                  
0136895618                  
0105045311                  
0110532198 D A D A CRDINSR848 Missing Hazard Insurance No Missing Hazard insurance. 9/22/2021 - Client provided a print-out copy of Hazard policy terms for subject property.
0110532198 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since FEMA effective date XXX XXX (No Data)
0423743406 B B B A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No File contains PIW, BPO is required. 10/01/2021 - BPO provided.
0829883945 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No Per AUS, subject loan approved for PIW. 10/01/2021 - BPO provided.
0829883945 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No Natural Disaster Area, no subsequent inspection (Public)Subject loan approved as PIW.Last FEMA Declaration #XXX dated XXX, effective XXX for a XXX. (No Data)
0945143123 B B B B CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0945143123 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No Loan approved with PIW. BPO in file, to be addressed PQC. 10/01/2021 - BPO provided.
0945143123 B A B A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No subsequent property inspection completed after FEMA Disaster Declaration #XXX date of XXX. (No Data)
0923888197                  
0650052248 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No Loan Approved with PIW needs BPO. 10/01/2021 - BPO provided.
0650052248 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since FEMA XXX Public XXX (No Data)
0647582937                  
0913426988                  
0488815103                  
0287260643 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure not in file. (No Data)
0579842159                  
0559242841 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No File is missing HOI dec page 9/29/2021 - Client provided Hazard print-out with insurance details listed included coverage and dates; also guaranteed replacement cost.
0559242841 D A D A CMPDOC191 Missing Mortgage No Security instrument/mortgage dated XXX is missing in file. Document trail found on page 985 states that the security instrument/mortgage was included in the package. 9/29/2021 - Client provided a complete signed copy of the Mortgage for subject property; 16 pages.
0559242841 D A D A CRDINSR848 Missing Hazard Insurance No File is missing HOI dec page. 9/29/2021 - Client provided Hazard print-out with insurance details listed included coverage and dates; also guaranteed replacement cost.
0216719832 B B B B CRDINSR5351 Insurance Effective date is greater than the transaction date No HOI expiration  date XXX New HOI is needed. (No Data)
0669253634                  
0587719531                  
0035393275 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No File is missing copy of HOI dec page. 9/29/2021 - Client provided Hazard print-out with insurance details listed included coverage and dates; also guaranteed replacement cost.
0035393275 D A D A CRDINSR848 Missing Hazard Insurance No File is missing HOI Dec page 9/29/2021 - Client provided Hazard print-out with insurance details listed included coverage and dates; also guaranteed replacement cost.
0863930084                  
0124294000                  
0353492332 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No Loan approved with PIW. BPO in file. exception to be addressed PQC. 10/01/2021 - BPO provided.
0353492332 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No subsequent property inspection completed after FEMA Disaster Declaration #XXX date of XXX. (No Data)
0902510691 B B B B CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0902510691 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No BPO on file. 10/01/2021 - BPO provided.
0498381241                  
0664399310                  
0296641163                  
0657098910                  
0548277013                  
0493456985                  
0694585063 B B B B CRDINC152 Missing verbal VOE required by guidelines No Missing Vvoe within 10 days of note date XXX (No Data)
0550361547                  
0298058926                  
0766355733                  
0718541849                  
0426731379 B B B B CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD 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)
0335709477                  
0682053136 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No subsequent inspection following the FEMA disaster #XXX XXX on XXX. (No Data)
0324824473 B B B B CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0324824473 D A D A CRDCRMH189 Missing credit report No Missing Credit Report from file. Provided 1st page with credit scores. Consumer debt taken from final 1003. 10/01/2021 - Client provided a full credit report dated XXX with credit scores.
0687836787 B B B B CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Seller's agent commission $18,750.00, ,Buyer's agent commission $18,750.00 not disclosed on final CD dated XXX (No Data)
0687836787 B B B B CRDAST2354 Asset Verification In File is Incomplete Per Requirements No 1. Verified assets of $161,866.87 does not meet DU requirement of $163,392.85.2. Missing $15,000.00 EMD check and proof of clearance from account. (No Data)
0887675797                  
0168160028 A A A A CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0168160028 B B B B CRDDTI105 Debt Ratio Exception 5% or Less No Debt ratio exception 5% or less at 3.58%. Total retained Mortgage payment was not calculated in debt. Lender qualified with 41.85% and QC review qualified at 45.43%. (No Data)
0917461107                  
0200861820                  
0277300326 D A D A CRDCRMH189 Missing credit report No Complete XXX Credit Report dated XXX and used in AUS is missing from file. 10/01/2021 - Client provided a full credit report dated XXX with credit scores.
0277300326 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No  File contains PIW, BPO is required. 10/01/2021 - BPO provided.
0994331338                  
0420955894                  
0096671434 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing documentation to support PITIA for XXX. 9/23/2021 - Client provided proof of PITI for property at XXX.
0096671434 D A D A CRDINSR848 Missing Hazard Insurance No Missing Hazard Insurance. 9/22/2021 - Client provided print-out proof of Hazard insurance.
0084722509 B B B B CMPBI1616 MA Borrower Interest; Worksheet not properly dated No (No Data) (No Data)
0084722509 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No FEMA disaster declaration date is XXX. No subsequent inspection. PDI required (No Data)
0685792419 D A D A CRDCRMH189 Missing credit report No File s missing Credit Report used in qualifying. 9/27/2021 - Client provided full credit report for review.
0823661650                  
0814054641 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure is missing in the file. (No Data)
0023842273                  
0977834578                  
0545652857 D A D A CRDAPP130 Application is incomplete No Missing credit report. 9/27/2021 - Client provided full credit report for review.
0885893931 A A A A CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0465084986 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No PIW file; BPO required. 10/01/2021 - BPO provided.
0515587520 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing credit report. 9/27/2021 - Client provided full credit report for review.
0515587520 D A D A CRDCRMH183 Credit report incomplete No Missing complete credit report; unable to review for credit worthiness. 9/27/2021 - Client provided full credit report for review.
0131785888 B A B A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No FEMA disaster declaration date is XXX. No subsequent inspection. PDI required (No Data)
0042539061                  
0206660184                  
0494714350 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0494714350 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Missing Vvoe within 10 days of Note date XXX. (No Data)
0491836125                  
0397262058 B B B B CMPFDCP4395 Flood Insurance - Property requires flood insurance; no evidence that the premiums are escrowed. No Provide evidence that an escrow account has been established for flood insurance premiums. (No Data)
0587037809 B B B B CRDAPP130 Application is incomplete No Missing Payoff statement for XXX (No Data)
0151895853 D A D A PRVAAPPR3116 Missing updated valuation No File is missing desk review to support qualifying appraisal. 9/29/21 - received message from vendor needing a clearer copy of the appraisal. Requested clearer copy from XXX. 10/04/2021 - Desk review provided to support appraisal.
0790744459 C A C A CRDINC888 Income Amount is  Unsupported by Documentation in File No Full doc loan, no income docs in file for either borrower. AUS required written VOE for both borrowers. File contained only a VVOE for each borrower. 9/27/2021 - Client provided a written VOE for both borrower with 2 years of history.
0673532474 B B B B CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0181621277                  
0932202773                  
0925888895                  
0062050438                  
0181958403 B B B B CRDCRMH123 No evidence of required debt payoff No Missing evidence to support the payoff of Bank of XXX #XXX. (No Data)
0029761425 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing documentation to support PITIA for XXX(recently refinanced) . 9/22/2021 - Client provided proof of PITI for property at XXX
0760219228                  
0237014610                  
0600888426                  
0516961192 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing documentation to support PITIA for XXX 9/23/2021 - Client provided proof of PITI statement for property at XXX
0516961192 B B B B CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing credit freeze letter. (No Data)
0863540798 A A A A CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. . (No Data)
0539251688                  
0266556967                  
0369889503                  
0164125191                  
0458078358 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No subsequent property inspection completed after FEMA Disaster Declaration #XXX date of XXXXXX. (No Data)
0496199838                  
0427942493                  
0479939248 B B B B CRDINC2408 Income verification does not meet guidelines No Borrower only provided 1 month bank statement.  Per AUS bank statements must be provided covering a two-month period. (No Data)
0182729043                  
0536710165 B B B B CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Seller's agent commission $19,150.00 & Buyer's agent commission $18,650.00 not reported on final CD dated XXX (No Data)
0536710165 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No "Appraisal is dated XXX, Appraisal update and completion report is dated XXX. There is no subsequent inspection since the FEMA Disaster XXX XXX Declaration #XXX.Clayton grades FEMA: Natural Disaster Are, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant.  These can included:  debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities.  Public assistance does not indicate that damage has occurred to personal; property and does not have a substantive impact on the property." (No Data)
0103868195 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Missing Vvoe within 10 days of Note date XXX. (No Data)
0103868195 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No FEMA effective date XXX, declaration date XXX,AUS date XXX. (No Data)
0482493786 B B B B CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0482493786 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No Missing required BPO. 10/01/2021 - BPO provided.
0950660621                  
0328118678 D A D A CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No B2 2021 Balance sheet for XXX missing. 9/23/2021 - Client response 'CRDINC3260 - Income/Employment: Balance Sheet missing for one or more XXX borrowers. B2 2021 Balance sheet for XXX missing.'
0328118678 C A C A CRDTER3122 Loan documents do not meet guideline requirements No B1 is employed by a XXX. 2 years personal tax returns are required. 10/28/2021: See attached documentation
0537555508 B B B B CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0537555508 D A D A CRDAPP3822 Missing or incomplete documentation related to citizenship/residency No Missing documentation related to Citizenship/residency for XXX 10/01/2021 - Client provided a Permanent Resident Alien ID (front and back copy) for the co-borrower. 
0754620395 B B B B CMPRESPA2720 RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. No Provide date List of homeowner's counseling organizations was provided. (No Data)
0754620395 C A C A PRVAPROP177 Property Issues Indicated No Subject property is a primary residence. Appraiser listed the property as tenant occupied for a primary rate/term refinance.  10/7/2021 - Client response; Tenant box checked on appraisal, borrower is going to move into subject property within 60 days of closing and be owner occupied. Tenant is in process of moving at closing. 
0688112187 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No B2 VVOE dated XXX which is after note date on XXX. (No Data)
0021531962 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No Loan is qualified with PIW. BPO required. 10.1.21: BPO provided
0021531962 B A B A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No FEMA disaster declaration date is XXX. No subsequent inspection. PDI required (No Data)
0269243307                  
0035816073                  
0553914933                  
0806643303 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Missing Vvoe within 10 days of note date XXX (No Data)
0859758518 B A B A CRDCRMH123 No evidence of required debt payoff No 1.Missing documentation to support the payoff of XXX #XXX.2.Missing documentation to support the payoff of XXX #XXX. 9/29/2021 - Client provided copy of final Title policy showing only subject loan amount active. No additional mortgages present. 
0859758518 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing heloc close letters for XXX#XXX. 9/29/2021 - Client provided a final Title policy with no HELOC reporting on title. 
0506577816 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing signed credit freeze letter. 9/27/2021 - Client provided a Final Title policy that did not show an active HELOC on it. 
0563423801                  
0418295257                  
0912563609                  
0703637370 B B B B CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0149152454 C A C A CRDDTI134 Debt Ratio Exception =>10% No Calculated DTI is 40.17% which is 15.36% more than the qualifying DTI calculated by the lender. Lender qualified borrower with a base income of $9,388 and retirement income of $8,574.54. Calculated income is the retirement income of $8,574.54 and a retirement benefit of $2,519.30 supported by award letters in file. There are no documents in file to support the base income used by lender to qualify. 10/01/2021 - Client provided a final DU AUS, final application and 1008 showing 40.18% back debt DTI approved file. Review calculated 40.17% back debt DTI.
0382081842                  
0208914314 B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0716614307                  
0888555327 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing documentation to support PITIA for XXX 9/27/2021 - Client provided proof of PITI from property at XXX
0965201935                  
0402591909 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No H8 Form used instead of H9 form for original Creditor.  (No Data)
0402591909 B B B B CMPTRID4579 TRID - CD: Missing Initial CD No File is missing Initial Closing Disclosure. (No Data)
0652515474                  
0702695241 C A C A PRVAFEMA4817 Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) No FEMA disaster with declaration date XX with no subsequent inspection.  PDI is required. (No Data)
0572595340 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing documentation to support Insurance and Taxes for XXX. 9/29/2021 - Client provided a HELOC agreement and mortgage statement showing terms of HELOC 2nd mortgage at XXX.
0572595340 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Verification of employment completed after note date XXX. (No Data)
0572595340 D A D A CRDLGL140 Missing subordination agreement for existing junior lien No Missing subordination Agreement. 9/29/2021 - Client provided a HELOC agreement and mortgage statement showing terms of HELOC 2nd mortgage at XXX.
0253616978 B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Home owners Counseling organizations not in file. (No Data)
0131143074                  
0108523736 B B B B PRVAPROP179 Condition of Subject Below Average No Per appraiser subject property is in Fair condition with no apparent deficiencies or adverse conditions the affect livability.Consider as non-material, overall LTV 80% and borrowers invested $XXX in transaction. (No Data)
0530998714 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No 1.Missing documentation to support PITIA for XXX2.Missing documentation to support PITIA for XXX3.Missing documentation to support PITIA for XXX 9/28/2021 - Client provided proof of PITI for 3 properties at XXX, XXX and XXX. CD's and print-outs provided. 
0499245709 B B B B CRDCRMH117 Length of credit history in file does not meet guideline requirement No 5 months per credit report guidelines required 24 months. (No Data)
0727894103 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since FEMA XXX Public & Individual XXX XXX  (No Data)
0493652360                  
0700155032                  
0221904550                  
0816806564                  
0235703331                  
0067435386                  
0646755724                  
0780330810                  
0642114573 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing documentation to support PITIA for XXX 9/23/2021 - Client provided a mortgage payment showing PITI on XXX
0394315871                  
0699857463 C B C B CMPTRID3952 TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established No Formatting error.  Escrow is indicated on page 1, but no escrow amounts were listed in Other costs, section G or the loan disclosures section. 10/01/2021: Agree: Per evidence in file the borrower was not escrowing for taxes and insurance. Property Taxes In escrow? on page one of the final CD issued XXX should state NO. LOX to the borrower and corrected PC CD required to remedy. Contact XXX for this correspondent loan. 10/25/2021: received LOX and PCCD dated XXX evidencing "NO" for Property Taxes In escrow?. See attached LOX and PCCD.
0699857463 C B C B CMPTRID5152 TRID - CD: Monthly Non-Escrowed Amount in Projected Payments is inconsistent with annual cost in the Loan Disclosures section No Exception is valid. Conflicting escrow information in file. 10/01/2021: Agree: Per evidence in file the borrower was not escrowing for taxes and insurance. Property Taxes In escrow? on page one of the final CD issued XXX should state NO. LOX to the borrower and corrected PC CD required to remedy. Contact XXX for this correspondent loan. 10/25/2021: received LOX and PCCD dated XXX evidencing "NO" for Property Taxes In escrow?. See attached LOX and PCCD.
0891591643 B B B B CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0891591643 B B B B CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0590902882 C B C A PRVAAPPR5454 Loan File contains Property Inspection Waiver (PIW)/AW No File contains PIW, BPO is required. 10/01/2021 - BPO provided.
0590902882 A A A A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No Loan Approved by AUS as an Appraisal Waiver (PIW); FEMA Declaration XXX . (No Data)
0875272756                  
0202527260 B B B B CRDCRMH123 No evidence of required debt payoff No Missing documentation to support the payoff of XXX. (No Data)
0143684089                  
0058613861 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No FEMA disaster declaration date XXX. No subsequent inspection.PDI required (No Data)
0557115626 B B B B CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No No seller paid fees on Final CD. (No Data)
0603761425                  
0534726772                  
0720251413                  
0768062950                  
0191274934 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No H8 used on a lender to lender refinance- 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 condition.   (No Data)
0002576110                  
0605454036                  
0034053723                  
0513012867                  
0536817482                  
0022854168                  
0271056797 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since FEMA XXX Public XXX XXX (No Data)
0481271382                  
0326816784                  
0318980138                  
0074744228                  
0927375181                  
0929654072                  
0395338825                  
0128984555 B B B B CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)

 

Alt Loan Number Conclusion Comments TRID Error Type Compensating Factors
0591919625     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 788 & 785 with the minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 26.77% with a max DTI of 43%.
0589653309 (No Data) (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed with same company for 10 years

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 17 years
0184168147     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been at current job for 5 years 8+ months.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39% is below the guideline requirement of 45%, by 6%.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers demonstrate good credit history.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers verified cash reserves exceed guidelines.
0329214567 (No Data) (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at job 9years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 44.43% is above maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 774 exceeds quideline.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  62 months of 0x30 consumer history.
0257299882 (No Data) (No Data) CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 90%. Calculated LTV 62.86%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves equal $7,086.88. Verified remaining assets equal $615,405.94.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  741 mid-score per CBR
0605298977 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower does not have significant time at job 4months

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 42.77% does not exceeds maximum of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 813 exceeds minimum.
0683188561 9/23/2021 - Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed since 9/14/2015 per VVOE dated 6/9/21.

CFCFS2854: Significant time in profession
- Clayton Comments:  5 years in line of work.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.62%, less than 43%.
0464348710     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 95%. Calculated LTV 59%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 30 years 10 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 18 years.
0695025599 (No Data) Numeric CFCFS1736: Significant time at current residence
- Clayton Comments:  26.7 years at primary residence.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  733 mid-score per CBR.
0687733180     CFCFS1736: Significant time at current residence
- Clayton Comments:  26.7 years at primary residence.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  733 mid-score per CBR.
0246907499 (No Data) (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at job 8years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 46.94% is above minimum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 is above minimum required
0246907499 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at job 8years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 46.94% is above minimum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 is above minimum required
0069023088 10.1.21: exception satisfied with BPO; but value not supported, new exception created (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at job 8years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 46.94% is above minimum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 is above minimum required
0069023088 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 32 years 10 months at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has 30 years in profession.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory credit and has 8 tradelines open.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  756 mid-score per CBR

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0069023088 10/22/2021 - Exception remains. Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 738.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has zero late payments.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 10 years.
0750545179     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same line of work for 20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has  been at current residence for 11 years 5 months.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 employment/income verified in the amount of $5,580.00 per month. Not used to qualify.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Combined FICO of 732 exceeds the guideline of 700, by 32 points.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been at current job for 18 years, 10+ months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers demonstrate good credit history.

CFCFS3836: Borrower Net Worth
- Clayton Comments:  Borrower Net Worth verified but not used in calculations, as not required by AUS.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV of 42.10% is below the guideline requirement of 90%, by 47.90%.
0561674490     CFCFS1736: Significant time at current residence
- Clayton Comments:  B1 has owned his house for 13 years and 6 months.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Employed since 08/01/2006 per WVOE.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has 32 years in profession.
0254063106 (No Data) (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 801.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34%. Program maximum is 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory info in credit file.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0530498873 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 768.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments or derogatory info recorded.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same line of work for 7 years.
0181205985 PDI received showing no damage. Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 10 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 10 years 11 months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 95%. Calculated LTV 75%.
0226997424     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 35 years working on current job in file.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per DU LTV is at 64.00%  below guideline requirement.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per DU DTI is at 30.29% below guideline requirement in file.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has additional documented income of $1,534.05 two year average bonus not used to qualify.
0797395355 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 35 years working on current job in file.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per DU LTV is at 64.00%  below guideline requirement.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per DU DTI is at 30.29% below guideline requirement in file.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has additional documented income of $1,534.05 two year average bonus not used to qualify.
0717140003 (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 785.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers has been in same line of work for 58 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current address for 8 years.
0717140003 (No Data) (No Data) CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 785.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers has been in same line of work for 58 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current address for 8 years.
0291871761 9/23/2021 - Exception satisfied. (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 22 years 8 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 21 years 9 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  760 mid-score per CBR.
0291871761 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 741.

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

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has zero late payments in the preceding 12 months.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0346772793     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 11 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv of 48.12% is below max per guideline

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  704 mid-score qualified per CBR.
0216861325 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 11 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv of 48.12% is below max per guideline

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  704 mid-score qualified per CBR.
0894413700 (No Data) (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 7 years, 8 months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 7 years, 3 months.
0894413700 (No Data) (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 773.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 22 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 32 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0712906816     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in same profession sine October 2001.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 95%. Calculated LTV 47%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  721 qualifying mid-score per CBR
0289592115 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at job 6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 22.59% is below maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 810 is above minimum required.
0804502180     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at subject for 13 years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has excellent payment history.  0*30 *84 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  791 qualifying mid - score per CBR
0288127436 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 812.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current address for 6 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 9 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0531373213     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 46.00%  below guideline requirement.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 29.31% below guideline requirement.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualified score 776 per credit report in file.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0175682199     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 30 years at current job in file.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has 29 years working at current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  720 qualified score used per credit report in file.
0792723598     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  DTI of 19.07 is below maximum of 43%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at job 11 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 766 is above minimum required per guideline
0666223508     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  DTI of 19.07 is below maximum of 43%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at job 11 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 766 is above minimum required per guideline
0144895631 09/21/2021 - Exception remains. 9/23/2021 - Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  DTI of 19.07 is below maximum of 43%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at job 11 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 766 is above minimum required per guideline
0144895631 (No Data) (No Data) CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.321% is below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers' Combined FICO of 786 exceeds the guideline of 700, by 86 points.
0144895631 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's combined FICO of 777 exceeds the guideline of 700, 77 points.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been at current residence for 24 years, 3+ months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 10 years 7+ months.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrowers have not had any major mortgage related occurrences during the past two years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 32.53% is below the guideline requirement.
0003443853     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Per the eligibility matrix, the minimum credit score required was 680.  The qualifying credit score for the borrowers was 799.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the eligibility matrix, the max LTV was 95.00%. The loan closed with an LTV of 63.328%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  RSU and Bonus income not used to qualify.
0880627528     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on  job for 1year 7months.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29.51 is below maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is of 788 is above minimum required.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
0809719399     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on  job for 1year 7months.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29.51 is below maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is of 788 is above minimum required.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
0802657493 10/01/2021 - Exception satisfied. (No Data) CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  751 mid-score per credit report in file.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 14 years 6 months living at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 24 years working at current job in file.
0802657493 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at job 8 years

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 723 exceeds minimum required

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 14.12 is below maximum DTI of 43%
0456916385     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Per the VVOE, the co borrower was employed with the current employer for 45 years and 3 months with a start date of 03/01/1976.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per the eligibility matrix, the max DTI was 45%.  The loan closed with a DTI of 33.8961%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the eligibility matrix, the max LTV was 95%. The loan closed with an LTV of 60.000%.
0953373163 (No Data) (No Data) CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Per the VVOE, the co borrower was employed with the current employer for 45 years and 3 months with a start date of 03/01/1976.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per the eligibility matrix, the max DTI was 45%.  The loan closed with a DTI of 33.8961%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the eligibility matrix, the max LTV was 95%. The loan closed with an LTV of 60.000%.
0632527448 10/01/2021 - Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 742 exceeds the guideline of 700, by 42 points.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower demonstrates good credit history.
0632527448 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 784 exceeds the guideline of 700, by 84 points.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 23.57% is below the guideline requirement of 90%LTV, by 66.43%.
0696104514     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 31% which is less than guideline requirement of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory credit, has 6 open credit lines and a credit line usage ratio of 3.18%.
0920350254 9/22/2021 - Exception satisfied. (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 40 years 2 months living at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 40 years in current profession.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has 40 years working on current job.
0305986428 10/05/2021: PCCD not attached yet. Exception stands.10/21/2021: Lender provided tax cert with no remediation. exception remains. Numeric CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 80%. Calculated LTV 47%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 15 years.
0599843945     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score of 754 exceeds the guideline of 700, by 54 points.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower demonstrates good credit history.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Positive mortgage payment history for 24-consecutive previous months.
0781795863 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 7 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 95%. Calculated LTV 73%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769 mid-score per CBR.
0996002459 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 796.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified assets of $90,678.19; required reserves of $0.00

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the eligibility matrix, the max LTV was 95%. The loan closed with an LTV of 77.035%.
0888310069 10/01/2021 - Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 796.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified assets of $90,678.19; required reserves of $0.00

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the eligibility matrix, the max LTV was 95%. The loan closed with an LTV of 77.035%.
0260896471 9/22/2021 - Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 796.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified assets of $90,678.19; required reserves of $0.00

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the eligibility matrix, the max LTV was 95%. The loan closed with an LTV of 77.035%.
0260896471 10/22/21: Exception satisfied Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 15 years 11 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 13 years.
0260896471 9/22/2021 - Exception satisfied. (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 15 years 11 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 13 years.
0755264329 (No Data) Numeric CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 15 years 11 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 13 years.
0755264329 (No Data) Numeric CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 15 years 11 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 13 years.
0755264329 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 22 year 8 months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 90%. Calculated LTV 56.73%
0755264329 9/27/2021 - Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 17+ years time in profession.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years.
0319666688 10/05/2021: PCCD not received yet. Exception stands. Non-Numeric CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 50.00% below guideline requirement.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 20 years employment on current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co- Borrower has 30 years employment on current job.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  751 qualifying credit score per CBR
0194449113     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 26.91% below guideline requirement in file.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 7 years employment on current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  726 qualified score used per credit report in file.
0880130265     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at job 11 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 33.09% is below minimum requirement of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  credit score of 800 is above minimum requirement.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0659765581     CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has 8 years in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 736 of the required 700.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0213989188     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is 40.14%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history

CFCFS2854: Significant time in profession
- Clayton Comments:  9 years as a business Consultant.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0777899380     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualified score 790 per credit report in file.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 6yrs 11 months living at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years employed on current job.
0086564431     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 806.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 5 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26%. Program maximum is 43%.
0858064769     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary wage earner has been with the current employer for over 10 years with a start date of 11/01/2007.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The current LTV is 32.10% vs the max LTV of 80%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  777 qualifying mid-score per CBR
0761317450 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 17 years, 4 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 5 years, 5 months.
0997725414     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 27 years, 2 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 7+ years.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 771 exceeds the guideline of 700, by 71 points.

CFCFS3830: Addtional collateral with a value equal to at least 10% down payment
- Clayton Comments:  Borrower has additional assets not used in qualifying calculations that are equal to at least 10% down payment.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of consumer credit history.
0932693956 PDI received showing no damage. Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 6 years 2 months.
0356793416     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 6 years 2 months.
0548959180 9/30/2021 - Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 6 years 2 months.
0548959180 9/30/2021 - Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 6 years 2 months.
0548959180 10/01/2021 - Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 788.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 12 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has zero late payments documented on previous mortgage.
0548959180 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrowers have lived at the current residence for 14 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $6,879.34; Reserves required $0.00.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 qualifying credit score per CBR.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0280405765     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 772 exceeds guideline requirement of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.58% is 19.63% less of the required 50%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  90 months of 0x30 consumer history.
0769297579     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 779.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 8 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 15 years.
0913712524     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 28.03% which is below the guideline requirement of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has 6 open tradelines and a credit line usage ratio of 3.68%.
0031683987 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per guidelines maximum LTV is 95%; loan closed with LTV of 70.00%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B3 has been with the same employer for 21 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.5879%. Program maximum is 43%.
0729027996     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per guidelines maximum LTV is 95%; loan closed with LTV of 70.00%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B3 has been with the same employer for 21 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.5879%. Program maximum is 43%.
0907955228 10/01/2021 - Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 25 years in current profession in file.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per DU DTI is 29.46%. Below guideline requirement.  LP DTI at 29.00%. Current DTI at 29.45%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  735 qualified score used per credit report in file.
0907955228 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 7years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds minimum 796 per guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 83.89 is above maximum of 43% per guideline requirement

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0631832071     CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has 20 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 24.06% which is above the guideline requirement of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have no derogatory credit, 16 open credit lines and a credit line usage ratio of 5.43%
0668939460     CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has 20 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 24.06% which is above the guideline requirement of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have no derogatory credit, 16 open credit lines and a credit line usage ratio of 5.43%
0337541532 09/24/21: BPO provided. Exception satisfied (No Data) CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 750.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 23 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 40years.
0337541532 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower receives bonus income.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current address for 6 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 80%. Calculated LTV 69%.
0920598075 10/05/21: Exception remains10/21/2021: Lender provided LOX to borrower explaining right to cancel, and updated ROR with envelope present. PCCD with updated disbursement date required. Exception remains.10/25/2021: Satisfied (No Data) CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower receives bonus income.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current address for 6 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 80%. Calculated LTV 69%.
0591860522 (No Data) (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 40 years living at current residence.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has 10 years significant time at current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 60.00% below guideline requirement.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.43 is below maximum of 43%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  782 qualifying credit score per CBR
0591860522 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 706 with a minimum credit score of 620.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 15.2 years on the job.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  0x30x24 mortgage history.
0729834941     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769 mid-score per CBR.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 17 years 10 months at current residence.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 41 years at current job supported by VOE in file dated 03/24/2021.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 21.97% which is blow guideline requirement of 43%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has a credit line usage ratio of 0%.
0730162470 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 80%. Calculated LTV 48.37%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves are 0.00. Available for reserves $305,807.52

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 mid-qualifying score per CBR.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of consumer history per CBR.
0743122804     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 15.7 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 784 with a minimum credit score of 620.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 16.62% with a max DTI of 50%.
0604034159 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 15.7 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 784 with a minimum credit score of 620.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 16.62% with a max DTI of 50%.
0929483932 9/27/2021 - Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  710 qualified score used per credit report in file.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 34 years employment on current job.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 38.00% below guideline requirement.
0929483932 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower been at job for 1 year.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has 7 years at job.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 15.44% below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 728 exceeds guideline
0632560243     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 27 years 5 month at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 33 years 2 months at current job supported by VOE in file dates 05/25/2021.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 26.61% which is below guideline requirement of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV IS 29.05% which is below the guideline requirement.
0134081675     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 748 exceeds the guideline of 700, by 48 points.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 23 years, 8+ months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower demonstrates good credit history.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0475337134 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.31%, less than 43% maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 799.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $51,669.73; required cash reserves $0.00.
0010737787 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 25 years 9 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 25 years, 2 months.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 self employed income from 1120. 2020 W2 125000/12=10,417 not used to qualify.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 95%. Calculated LTV 43%.
0994071340 (No Data) (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 6.9 years at residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 27 years in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 798 exceeds guideline requirement of 700.
0234758867 9/27/2021 - Exception satisfied. (No Data) CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers demonstrate good credit history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 803 exceeds guidelines of 700, by 103 points.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been at current job for 8 years, 2+ months.
0281986538 9/22/2021 - Exception satisfied. (No Data) CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is 26.2956%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is 73.17%.
0380987680     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 798.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 5 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has zero late payments in the last 12 months.
0535439334     CFCFS1736: Significant time at current residence
- Clayton Comments:  6 years and 3 months at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  12 years in profession.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been employed since 05/01/2009 per VVOE from 4/26/2021.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory reports.
0604192470     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is 36,72.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 755 with a minimum credit score of 620.
0024271483     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 12 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is 23.0953.
0446321451     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have 10 years at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower2 has 30years in profession.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 qualifying mid-score per CBR.
0574288693 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Employed since 07/12/2015 per VVOE dated 5/3/2021.

CFCFS2854: Significant time in profession
- Clayton Comments:  24 years in line of work.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.39%, which is lower than 43%.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  812 mid-score per CBR

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0505905108     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Employed since 07/12/2015 per VVOE dated 5/3/2021.

CFCFS2854: Significant time in profession
- Clayton Comments:  24 years in line of work.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.39%, which is lower than 43%.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  812 mid-score per CBR

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0588348444 10/01/2021 - Exception satisfied. (No Data) CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 29.48% which is below the guideline requirement of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory history in the past 24 months, has 7 open tradelines and a credit line usage ratio of 3.6%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 1 mortgage on the credit report and it has been reviewed for 15 months with no late payments.
0588348444 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 29.48% which is below the guideline requirement of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory history in the past 24 months, has 7 open tradelines and a credit line usage ratio of 3.6%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 1 mortgage on the credit report and it has been reviewed for 15 months with no late payments.
0309128157 10/01/2021 - Exception satisfied. (No Data) CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 29.48% which is below the guideline requirement of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory history in the past 24 months, has 7 open tradelines and a credit line usage ratio of 3.6%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 1 mortgage on the credit report and it has been reviewed for 15 months with no late payments.
0309128157 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 712 with a minimum credit score of 620.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower2 has 20 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI is 17.99.
0309128157 (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 11yers 7 months living at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years employment on current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769 mid-score per credit report in file.
0777958281 (No Data) (No Data) CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Employed since 10/13/2003 per WVOE dated 2/16.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Employed since 09/30/1996 per WVOE dated 2/16.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.51%, which is less than 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both B1 and B2 have 24 years in profession.
0452635909     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 7.1 years on the job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 785 exceeds guideline requirement of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 27.00% is 23.00% less of the required 50%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  91 months of 0x30 consumer history.
0555100019 10/01/2021 - Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 25 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 787.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves of $150,773.49 are more than required.
0150126337 (No Data) (No Data) CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 45.98%; Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $159,859.90. Months reserves required per AUS $0.00.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0856115504 10/01/2021 - Exception satisfied. (No Data) CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 45.98%; Max DTI 50%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $159,859.90. Months reserves required per AUS $0.00.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0657865877 10/01/2021 - Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 7years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job 10years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below of 24.31% is below maximum of 43% per guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 746 exceeds minimum per guidelines
0657865877 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 7years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job 10years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below of 24.31% is below maximum of 43% per guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 746 exceeds minimum per guidelines
0816359869 (No Data) (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 7years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job 10years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below of 24.31% is below maximum of 43% per guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 746 exceeds minimum per guidelines
0816359869 (No Data) Numeric CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 12 years in current profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  10 years and 2 months at current residence.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.03%, which is less than 43%.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.
0816359869 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 13 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max LTV 90%. Calculated LTV 71%.
0167390180 10/01/2021 - Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower qualified credit score is 806.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 7 years in profession 2 is required.
0191350109     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 21 years at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 33 years in profession.
0149636933 (No Data) Numeric CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 784.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 14 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28%. Program maximum is 43%.
0131676703     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 12 years in current profession in file.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  773 mid-score per credit report in file.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0401202913 (No Data) (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 12 years in current profession in file.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  773 mid-score per credit report in file.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0939450753 10/01/2021 - Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  19 years in profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory information.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max LTV is 80%, property LTV is 48%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $89,165.64 post close reserves. $8183.63 required to close.
0939450753 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at job 2 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 42.69 is below maximum requirement of 43% per guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 794 exceeds minimum requirement per guidelines
0141156434 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 33 years, 4 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 37 years 8 months.
0537719524 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 801.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 7 years.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory reported.
0305627538 10/1/2021 - Exception satisfied (No Data) CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  0x30 mortgage history.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 56.00% is 24.00% less of the required 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.45% is 7.55% less of the required 43%.
0876669940     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 765 exceeds guideline requirement of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 12.67% is 30.33% less of the required 43%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 6.9 years at residence.
0630861076     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 6 years 9 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 10 years.
0242063681     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 776 with a minimum credit score of 620.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 13 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0198067502     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 776 with a minimum credit score of 620.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 13 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0221480097 (No Data) Numeric CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 776 with a minimum credit score of 620.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 13 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0221480097 10/04/2021 - Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 775.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 11 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has zero late payments in the preceding 12 months.
0221480097 10/01/2021 - Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 18 years in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 777 of the required 620.
0584830555     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 1year

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job 1year

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 777 exceeds minimum per guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 22.22 is below maximum per guideline requirement
0583132389 10/1/2021 - Exception satisfied. (No Data) CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28%. Program maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 25 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with the same employer for 12 years.
0548235788 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  11 years and 5 months at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  10 years in line of work.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $5826.24 post close reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.22, which is less than 43%.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.
0746734639 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 805 of the required 620.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.75% is 12.25% less of the required 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 12.9 years in profession.
0616096505     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 728 with a minimum credit score of 620.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 12 years in profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 6 years and 10 months at current residence.
0913073001 (No Data) (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  B1 has significant time at current residence with 6.5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Co borrower credit score of 767 exceeds guideline requirement of 620.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.90 % is 12.10% less of the required 43%.
0457525189     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 15 years ownership in current business.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per DU DTI is 32.37% below guideline requirement.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  771 mid-score per credit report in file.
0739014851 (No Data) Numeric CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 16 years 7 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 17 years 4 months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV is 95%. Calculated LTV is 80%.
0447475177     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI is 39.6221.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower2 is working since 06/26/2016. Required is 2 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 726 with a minimum credit score of 620.
0136895618     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  736 mid-score per CBR

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 7.4 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 15 years in profession.
0105045311     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  736 mid-score per CBR

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 7.4 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 15 years in profession.
0110532198 9/22/2021 - Exception satisfied. (No Data) CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 95%. Calculated LTV 66%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves 0.00 DU. Verified reserves $59,608.06 equal to 22.37 months PITI.
0110532198 PDI received showing no damage. Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower2 has 12 years and 6 months in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI is 18.6888% with a max DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 802 with a minimum credit score of 620.
0423743406 10/01/2021 - Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower2 has 12 years and 6 months in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI is 18.6888% with a max DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 802 with a minimum credit score of 620.
0829883945 10/01/2021 - Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 36.81% which is below the guideline requirement of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory credit. He has 5 open tradelines and a credit line usage ratio of 1.97%.
0829883945 PDI received showing no damage. Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 36.81% which is below the guideline requirement of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory credit. He has 5 open tradelines and a credit line usage ratio of 1.97%.
0945143123 (No Data) Numeric CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 36.81% which is below the guideline requirement of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory credit. He has 5 open tradelines and a credit line usage ratio of 1.97%.
0945143123 10/01/2021 - Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 715 of the required 620.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has 5 years on the job.
0945143123 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10.6 years on the job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 791 of the required 620.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
0923888197     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10.6 years on the job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 791 of the required 620.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
0650052248 10/01/2021 - Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 17 years 4 months at current job per WVOE in file.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 37.82% which is below guideline requirement of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory credit. He has 5 open tradelines and a credit line usage ratio of 3.90.
0650052248 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 811 exceeds the guideline of 700, by 111 points.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower just started a new job 01/06/2020 but has been at previous job for 10 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 11 months; but was at previous residence for 9+ years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower demonstrates excellent credit history.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Positive mortgage payment history.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history
0647582937     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 90%. Calculated LTV 41%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 15 years.
0913426988     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 16 years in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 733 of the required 620.
0488815103     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 38.98% below guideline requirement.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 44 years 1 month living at current residence.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 783 with a minimum credit score of 620.
0287260643 (No Data) (No Data) CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers demonstrate positive mortgage payment history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been at current residence for 13 years, 9+ months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 5 years, 3+ months.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been at current job for 9 years, 10+ months.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  B2 has an average other income of $7,227.15 monthly; supported by WVOE with YTD Income; not used in income qualifying calculations.
0579842159     CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers demonstrate positive mortgage payment history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been at current residence for 13 years, 9+ months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 5 years, 3+ months.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been at current job for 9 years, 10+ months.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  B2 has an average other income of $7,227.15 monthly; supported by WVOE with YTD Income; not used in income qualifying calculations.
0559242841 9/29/2021 - Exception satisfied. (No Data) CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers demonstrate positive mortgage payment history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been at current residence for 13 years, 9+ months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 5 years, 3+ months.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been at current job for 9 years, 10+ months.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  B2 has an average other income of $7,227.15 monthly; supported by WVOE with YTD Income; not used in income qualifying calculations.
0559242841 9/29/2021 - Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 20 years in profession.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  2 years of employment is required and borrower2 has 9 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 726 with a minimum credit score of 620.
0559242841 9/29/2021 - Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 780 exceeding guidelines with a minimum credit score of 620.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with the same employer for 5 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 5 years.
0216719832 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 780 with a minimum credit score of 620.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower has LTV 55.73%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has  6 years in profession.
0669253634     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 792, exceeds guidelines.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been at current residence for 9 years, 10+ months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 9 years, 9+ months.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been at current job for 11 years, 3+ months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers demonstrate good credit history.
0587719531     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 792, exceeds guidelines.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been at current residence for 9 years, 10+ months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 9 years, 9+ months.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been at current job for 11 years, 3+ months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers demonstrate good credit history.
0035393275 9/29/2021 - Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 2yeers.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 19.87 is below quideline requirement of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 719 exceeds mininmum required.
0035393275 9/29/2021 - Exception satisfied. (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 14.7 years at residence.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  0x30x24 mortgage history.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 36.7 years on the job.
0863930084     CFCFS2860: Good credit history
- Clayton Comments:  Borrower has 6 open tradelines and 17.84% credit line usage ratio.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 10 years 10 months at current residence.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  721 mid-score per CBR
0124294000     CFCFS2860: Good credit history
- Clayton Comments:  Borrower has 6 open tradelines and 17.84% credit line usage ratio.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 10 years 10 months at current residence.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  721 mid-score per CBR
0353492332 10/01/2021 - Exception satisfied. (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  10 years and 2 months at current residence.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.80, which is less than 43%.
0353492332 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  10 years and 2 months at current residence.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.80, which is less than 43%.
0902510691 (No Data) Numeric CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per DU DTI at 28.65% below guideline requirements

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  788 mid-score per credit report in file.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has shown good payment history per credit report in file.
0902510691 10/01/2021 - Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  14 years in line of work.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Employed since 02/09/2007 per VVOE dated 04/14/21.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 38.99%, which is less than 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  796 mid score per CBR

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0498381241     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 10 years 10 months at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 17 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 37.93% which is below the 43% guideline requirement.
0664399310     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 23 years in profession.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 774 of the required 620.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI OF 32.03% is 10.97% less of the required 43%.
0296641163     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28%. Program maximum is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 735 with a minimum credit score of 620.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 7 years.
0657098910     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  812 qualifying credit score per CBR.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers demonstrate positive mortgage payment history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been at current residence 2 years, 4+ months; prior to this, they were at their previous residence for 23+ years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 16 years, 9+ months.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower is paid an average bonus income of $31,369.06 monthly; in addition to his annual salary of $350,000.00.
0548277013     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 741 of the required 620.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 50.85% is 39.15% less of the required 90%.
0493456985     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 1year

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 40.49% is below 43% guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 750 exceeds minimum requirement per guidelines
0694585063 (No Data) (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 802.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  95 months of 0x30 consumer credit history.
0550361547     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 97%. Calculated HCLTV 60%.

CFCFS2860: Good credit history
- Clayton Comments:  0 x 30 in 140 months.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  770 mid-score qualified per CBR.
0298058926     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 17 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 30 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 21 years.
0766355733     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 6.9 years on the job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 782 of the required 620.
0718541849     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per DU DTI is 35.01% below guideline requirement.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  791 mid-score per credit report in file.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years in current profession.
0426731379 (No Data) Numeric CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.45%, less than 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 68%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $32,369.87 reserves on file.
0335709477     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 28 & 3 months in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI is 38.2515%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 799 with a minimum credit score of 620.
0682053136 PDI received showing no damage. Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 28 & 3 months in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI is 38.2515%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 799 with a minimum credit score of 620.
0324824473 (No Data) Numeric CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  59 months of 0x30 consumer history per CBR.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 22 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1 credit score 810.
0324824473 10/01/2021 - Exception satisfied. (No Data) CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  59 months of 0x30 consumer history per CBR.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 22 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1 credit score 810.
0687836787 (No Data) Numeric CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 5 years 11 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 45 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 95%. Calculated LTV 60%.
0687836787 (No Data) (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 763 with a minimum credit score of 620.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Co-Borrower has significant time at current residence with 7.8 years.
0887675797     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 763 with a minimum credit score of 620.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Co-Borrower has significant time at current residence with 7.8 years.
0168160028 (No Data) Numeric CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 13years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 810 exceeds minimum guidelines
0168160028 (No Data) (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 796.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 5 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 5 years.
0917461107     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 18 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 5 years, 6 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 mid-score per CBR

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0200861820     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 18 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 5 years, 6 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 mid-score per CBR

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0277300326 10/01/2021 - Exception satisfied. (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 14.5 years at residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10.11 years on the job.
0277300326 10/01/2021 - Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 22 years in current profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 44.46% below guideline requirement in file.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualified score 690 per credit report in file.
0994331338     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 16.4 years on the job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 759 of the required 620.
0420955894     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 16.4 years on the job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 759 of the required 620.
0096671434 9/23/2021 - Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 9 years in profession.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  No late payment per credit report.
0096671434 9/22/2021 - Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 9 years in profession.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  No late payment per credit report.
0084722509 (No Data) (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 6 years in profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  6.41 months of reserves.
0084722509 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 682 with a minimum credit score of 620.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has 15 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is below guideline requirement t 40.89% with a max DTI of 50%.
0685792419 9/27/2021 - Exception satisfied. (No Data) CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS2854: Significant time in profession
- Clayton Comments:  30 years in profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  14 years 9 months at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Employed since 7/22/1991 per WVOE.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 809.
0823661650     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 67.00% below guideline requirements in file.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 18.55% per DU below guideline requirements in file.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualified score of 795 per credit report in file.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0814054641 (No Data) (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 795.

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

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory reported.
0023842273     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 8.1 years on the job.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower credit score of 802 exceeds guideline requirement of 700.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 mid-score per CBR.
0977834578     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 706 with a minimum FICO score of 620.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 37.06% with a max DTI of 50%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 10 years.
0545652857 9/27/2021 - Exception satisfied. (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  22 years and 1 months at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Employed since 02/12/1990 per VVOE dated 5/13.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  790 mid-score per CBR
0885893931 (No Data) Numeric CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 13 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is below guideline requirement 26.7015%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
0465084986 10/01/2021 - Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 13 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is below guideline requirement 26.7015%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
0515587520 9/27/2021 - Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 1.5months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds of 815 is above minimum per guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29.55 is below maximum of 43% per guideline requirement
0515587520 9/27/2021 - Exception satisfied. (No Data) CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv of 68.50% is below guideline maximum.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has been with employer for 4 years
0131785888 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 784 with a minimum credit score of 620.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 36% with a max LTV of 80%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 27 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is 38.78%.
0042539061     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 800 of the required 620.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per eligibility matrix max LTV is 80%.The Loan closed with a LTV of 67.57%.
0206660184     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 800 of the required 620.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per eligibility matrix max LTV is 80%.The Loan closed with a LTV of 67.57%.
0494714350 (No Data) (No Data) CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has excellent mortgage history 0*30*24

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has owned his business since 2013.
0494714350 (No Data) (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 763.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with the same employer for 10 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 8 years.
0491836125     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 16.11 years on the job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 735 exceeds guideline requirement of 700.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  0x30 mortgage history.
0397262058 (No Data) (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  7 years and 3 months at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Employed since 2/24/2014 per VVOE dated 4/9.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  746 mid score per CBR
0587037809 (No Data) (No Data) CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with the same employer for 9 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 43%. Program maximum is 32%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have no derogatory recorded.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  790 mid-score per CBR.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  99 months of 0x30 consumer history.
0151895853 10/04/2021 - Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 mid score per CBR.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  48 months of 0x30 consumer credit history.

CFCFS2854: Significant time in profession
- Clayton Comments:  18 years working in the Data industry.
0790744459 9/27/2021 - Exception satisfied. (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 19 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 40 years.
0673532474 (No Data) Numeric CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 741 exceeds guideline requirement of 700.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 8 years at residence.
0181621277     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have 18 years at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 20 years in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 812 with a minimum credit score of 620.
0932202773     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 15 years 7 months at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 15 years 10 months at current job.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 29.02% which is below the 43% guideline requirement.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have 1 mortgage on the credit report and has been reviewed for 97 Months with no late payments.
0925888895     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per guidelines max DTI is 43% loan closed with DTI of 30.45%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 8 years on the job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 801 of the required 700.
0062050438     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 820 of the required 700.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  0x30x24 mortgage history.
0181958403 (No Data) (No Data) CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 1.8monhs at job

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 2years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 23.39 is below maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 667 exceeds minimum requirement
0029761425 9/22/2021 - Exception satisfied. (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 8.5 years on the job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 786 of the required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per guidelines max DTI is 43%,loan closed with DTI of 29.38%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0760219228     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 780.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 14 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 14 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0237014610     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 33.1 years at residence.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 802 of the required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per guidelines max DTI is 43%,loan qualified with DTI of 23.39%.
0600888426     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 33.1 years at residence.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 802 of the required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per guidelines max DTI is 43%,loan qualified with DTI of 23.39%.
0516961192 9/23/2021 - Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  784 mid-score per credit report.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 8 years  self-employed in a business.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 26 years living at current residence.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 58.00% below guideline requirement.
0516961192 (No Data) (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been living 28 years 3 months at current residence.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 19.55% below guideline requirements in file.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  789 mid score per credit report in file.
0863540798 (No Data) Numeric CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 766 with a minimum credit score of 620.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 21 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI 30.1038%.
0539251688     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 6 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 21.57% which is below the guideline requirement of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory credit and a credit line usage ratio of 0.20%.
0266556967     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 35.60% which is below the 43% guideline requirement.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have one mortgage on the credit report with no late payments and has been reviewed for 22 months.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has no derogatory credit and has a credit line usage ratio of 0%
0369889503     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 22 years and 4 months at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 32 years at current job.

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has 20 years 11 months in profession.
0164125191     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Combined credit score of 783, exceeds the guideline of 700, by 83 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers demonstrate great credit history.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumers have established credit history well in excess of guideline requirements.
0458078358 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualified score of 778 per credit report in file.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been living 18 years at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 31 years in current profession as business owner.
0496199838     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 801 exceeds guidelines of 700, by 101 basis points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers demonstrate excellent credit history.
0427942493     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 805 of the required 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per guidelines max LTV is 80%,loan closed with LTV of 55.16%.
0479939248 (No Data) (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 6 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 41.67% which is below the 43% guideline requirement.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory in the last 24 months. She has 7 open credit lines and a credit line usage ratio of 1.61%.
0182729043     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 6 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 41.67% which is below the 43% guideline requirement.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory in the last 24 months. She has 7 open credit lines and a credit line usage ratio of 1.61%.
0536710165 (No Data) Numeric CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 805 of the required 700.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  0x30 mortgage history.
0536710165 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 805 of the required 700.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  0x30 mortgage history.
0103868195 (No Data) (No Data) CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  6 years and 8 months at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  7 years in line of work.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Employed since 07/13/2015 per WVOE.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 792 per CBR.
0103868195 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  6 years and 8 months at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  7 years in line of work.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Employed since 07/13/2015 per WVOE.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 792 per CBR.
0482493786 (No Data) Numeric CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has 11 years in line of work.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 16.12%, which is less than 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 37.38%.
0482493786 10/01/2021 - Exception satisfied (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  B2 has been at current residence for 25 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 5 years.
0950660621     CFCFS1736: Significant time at current residence
- Clayton Comments:  B2 has been at current residence for 25 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 5 years.
0328118678 9/23/2021 - Exception satisfied. (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 762.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 13 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 12 years.
0328118678 10/28/21: Lender provided pages of 2019/2020 personal tax return. Exception satisfied (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 762.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 13 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 12 years.
0537555508 (No Data) Numeric CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 794.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 7 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 37%. Program maximum is 43%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  99 months of 0x30 consumer credit history.
0537555508 10/01/2021 - Exception satisfied.  (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 794.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 7 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 37%. Program maximum is 43%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  99 months of 0x30 consumer credit history.
0754620395 (No Data) (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 20 years in line of work. B2 has 10 years in line of work.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Employed since 5/5/1996 per WVOE.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.
0754620395 10/7/2021 - Exception satisfied.  (No Data) CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.39 is below maximum of 43% per guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 779 exceeds minimum per guidelines

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 9months

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job 3years
0688112187 (No Data) (No Data) CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.39 is below maximum of 43% per guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 779 exceeds minimum per guidelines

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 9months

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job 3years
0021531962 10.1.21: exception satisfied (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in profession for 12 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Employed since 10/01/2006 per VVOE dated 4/16.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 785 per CBR.
0021531962 PDI received showing no damage. Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower2 has 16 years in profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have 7 years at current residence and 2 years  required per guidelines.
0269243307     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower2 has 10 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI is 31.88%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  54 months of 0x30 consumer history.
0035816073     CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  0x30 mortgage history.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per the eligibility matrix,the max DTI is 43%.The Loan closed with a DTI of 32.01%.
0553914933     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 5.4 years at residence.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 772 of the required 700.
0806643303 (No Data) (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 5.4 years at residence.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 772 of the required 700.
0859758518 9/29/2021 - Exception satisfied.  (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 16 years at residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 7 years in current profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 756 exceeds guideline requirement of 700.
0859758518 9/29/2021 - Exception satisfied.  (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 21 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  borrower DTI is 24.31 %.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 723 with a minimum credit score of 620.
0506577816 9/27/2021 - Exception satisfied.  (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  16 years at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  30 years in line of work.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 42.05%

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.
0563423801     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 778 with the minimum credit score of 620.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been with the same line of work for 12 years.

CFCFS2860: Good credit history
- Clayton Comments:  There are no derogatory tradelines reported.
0418295257     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  72 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 784 of the required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is 31.66% of the required 43%.
0912563609     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 21 years 7 months at current residence.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 1 mortgage on the credit report with 50 months in payments and no late payments.
0703637370 (No Data) Numeric CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 10 years at residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 12.5 years on the job.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per guidelines max DTI is 43% loan approved with DTI of 24.84%.
0149152454 10/01/2021 - Exception satisfied.  (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 18 years in profession.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 9 years 5 months at current job.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has no derogatory credit and has a credit line usage ratio of 0%.
0382081842     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 803.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is 29.7543%.
0208914314 (No Data) (No Data) CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 11.9 years on the job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 743 exceeds guideline requirement of 700.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  99 months of 0x30 consumer history.
0716614307     CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a good credit history with no late payments in the past 36 months or more.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score exceeds guidelines at 804 with a minimum credit score of 620.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 16 years at current residence.
0888555327 9/27/2021 - Exception satisfied.  (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 8 years in profession.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory credit history and has 5 open tradelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 35 months in cash reserves.
0965201935     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 8 years in profession.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory credit history and has 5 open tradelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 35 months in cash reserves.
0402591909 (No Data) (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualified score 805 per credit report in file.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 51.00% below guideline requirements.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower credit report has good payment history in file.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0402591909 (No Data) (No Data) CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.90% is below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 730.
0652515474     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 25 years in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 787 of the required 700.
0702695241 PDI received showing no damage. Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 25 years in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 787 of the required 700.
0572595340 9/29/2021 - Exception satisfied.  (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 25 years in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 787 of the required 700.
0572595340 (No Data) (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 790 with a minimum credit score of 620.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 11 years in profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is 74.89%.
0572595340 9/29/2021 - Exception satisfied.  (No Data) CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  766 qualifying mid-score per CBR.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $82,675.58; Reserves Required $46,241.19.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below maximum of 50%.
0253616978 (No Data) (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower1 has 15 years at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower2 has 20 years in profession.
0131143074     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 12.1 years on the job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 706.
0108523736 (No Data) (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years in profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 7 years and 6 months at current residence.
0530998714 9/28/2021 - Exception satisfied.  (No Data) CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI is 35.7919%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 12 years in profession.
0499245709 (No Data) (No Data) CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 mid-score per CBR

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower1 has 15 years at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 12 years and 6 months in profession.
0727894103 PDI received showing no damage. Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 801 exceeds guideline of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per guidelines max DTI is 43% loan qualified with a DTI of 16.62%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
0493652360     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 60.00% below guideline requirement.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 13 years 2 months in current profession as a business owner, in file.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  754 qualified score used per credit report in file.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  54 months of 0x30 consumer history.
0700155032     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 7 years in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 760 of the required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.16% is below guideline requirement of 43%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer debt per CBR
0221904550     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 780 with a minimum credit score of 620.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 21.2 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 39.16% with a max DTI of 43%.
0816806564     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 3years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Information not provided

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.72% is below maximum of 43% per guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 773 exceeds minimum guidelines requirement
0235703331     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 11 years living at current residence

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  732 mid-score per credit report in file.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
0067435386     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 797.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for more than 7 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 7 years.
0646755724     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 25 years in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Co borrower credit score is 799 of the required 720.
0780330810     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  811 mid-score per CBR

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  122 month of liquid reserves in file.
0642114573 9/23/2021- Exception satisfied.  (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 9 years at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 71 months on the job supported by VOE in file.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 35.50% which is below the guideline requirement of 43%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0394315871     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 9 years at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 71 months on the job supported by VOE in file.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 35.50% which is below the guideline requirement of 43%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0699857463 10/05/2021: PCCD not received yet. Exception stands.10/25/2021: PCCD dated XXX and LOX received. Exception satisfied.  Non-Numeric CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 5 years 8 months in line of work.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has no derogatory credit. Credit line usage ratio is 1.76% and has 8 open tradelines.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  791 mid score per CBR
0699857463 10/05/2021: No PCCD attached in file at this time. Exception stands.10/25/2021: PCCD dated XXX and LOX received. Exception satisfied.  Numeric CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 5 years 8 months in line of work.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has no derogatory credit. Credit line usage ratio is 1.76% and has 8 open tradelines.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  791 mid score per CBR
0891591643 (No Data) Numeric CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 7 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 95%. Calculated LTV 75%.
0891591643 (No Data) Numeric CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 7 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 95%. Calculated LTV 75%.
0590902882 10/01/2021 - Exception satisfied.  (No Data) CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.06, which is less than 43%.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory remarks.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 802 per CBR.
0590902882 10/04/21: BPO received XXX showing photos of subject property with no damage. Exception satisfied (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 35 years in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 753 of the required 700.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0875272756     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max guideline LTV 95%. Calculated LTV 55%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 6 years and 9 months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence over 5 years.
0202527260 (No Data) (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 12 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  No late payments in the preceding 12 months.
0143684089     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 17 years in profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV is 75%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0058613861 PDI received showing no damage. Exception satisfied. (No Data) CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI is 47.0485%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  751 mid-score per CBR

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history per CBR.
0557115626 (No Data) Numeric CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  806 mid-score per CBR.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have 14 years and 9 months at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 15 years in profession.
0603761425     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 785.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 12 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 36 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
0534726772     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qualifying mid-score per CBR.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 20 years in profession.
0720251413     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 8 years at current job supported by VOE in file dated 6/9/2021.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 25 years at current residence.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 36.51% which is below the 43% guideline requirement.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer credit history.
0768062950     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 794.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has a been with the same employer for 14 years.

CFCFS2860: Good credit history
- Clayton Comments:  There are no derogatory accounts reported.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0191274934 (No Data) (No Data) CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 5 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29%. Program maximum of 43%.
0002576110     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 789 with a minimum credit score of 620.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for 13 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 8 years.
0605454036     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 33%. Program maximum is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 763.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0034053723     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0c30 consumer history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 21 years in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 804.
0513012867     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 773 with a minimum credit score of 620.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 31.64% with a max DTI of 50%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 25% with a max LTV of 80%.
0536817482     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower2 has 21 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI is 25.8144%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778 mid-score per CBR.
0022854168     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 676 with minimum credit score of 620.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 7 years at current residence.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is 69.99%.
0271056797 PDI received showing no damage. Exception satisfied. (No Data) CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower1 has 12 years in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 727 with a minimum credit score of 620.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant time at current residence with 5.3 years.
0481271382     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 15 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is 32.958%.
0326816784     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower2 has 20 years in profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV is 67.46%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 mid-score per CBR.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  88 months of 0x30 consumer history.
0318980138     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 706 with a minimum credit score of 620.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI is 33.32 %.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV is 71.51 %.
0074744228     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrow has 10 years 9 months living at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years employment in current profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  742 mid-score per credit report in file.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years.
0927375181     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 14 years in profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is 69.44%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  84 months of 0x30 consumer history.
0929654072     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a qualifying score of 781.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 14 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 11%. Program maximum is 43%.
0395338825     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower2 has 20 years in profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV is 67.46%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 mid-score per CBR.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  88 months of 0x30 consumer history.
0128984555 (No Data) Numeric CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 14 years.


CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  781 mid-score per CBR.

 

 

 

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2022-1
Start - End Dates: 03/2020 - 09/2021
Deal Loan Count: 283
   
   
Conditions Report 2.0
   
Loans in Report: 283
Loans with Conditions: 140

 

Alt Loan Number TRID Indicator Lender Application Date Broker Application Date Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade
0591919625 Yes XXXXXX XXXXXX A A A A A A A A
0589653309 Yes XXXXXX XXXXXX A A A A A A A A
0184168147 Yes XXXXXX XXXXXX A A A A A A A A
0329214567 Yes XXXXXX XXXXXX B B B B A A A A
0257299882 Yes XXXXXX XXXXXX B B B B A A A A
0605298977 Yes XXXXXX XXXXXX C A A A C A A A
0683188561 Yes XXXXXX XXXXXX D A A A D A A A
0464348710 Yes XXXXXX XXXXXX A A A A A A A A
0695025599 Yes XXXXXX XXXXXX B B A A A A B B
0687733180 Yes XXXXXX XXXXXX A A A A A A A A
0246907499 Yes XXXXXX XXXXXX B B A A B A B B
0069023088 Yes XXXXXX XXXXXX C C A A C C A A
0750545179 Yes XXXXXX XXXXXX A A A A A A A A
0561674490 Yes XXXXXX XXXXXX A A A A A A A A
0254063106 Yes XXXXXX XXXXXX B B B B A A A A
0530498873 Yes XXXXXX XXXXXX B A A A B A A A
0181205985 Yes XXXXXX XXXXXX C A A A C A A A
0226997424 Yes XXXXXX XXXXXX A A A A A A A A
0797395355 Yes XXXXXX XXXXXX B A A A B A A A
0717140003 Yes XXXXXX XXXXXX D D D D A A A A
0291871761 Yes XXXXXX XXXXXX D A D A B A A A
0346772793 Yes XXXXXX XXXXXX A A A A A A A A
0216861325 Yes XXXXXX XXXXXX B A A A B A A A
0894413700 Yes XXXXXX XXXXXX B B A A A A B B
0712906816 Yes XXXXXX XXXXXX A A A A A A A A
0289592115 Yes XXXXXX XXXXXX C A A A C A A A
0804502180 Yes XXXXXX XXXXXX A A A A A A A A
0288127436 Yes XXXXXX XXXXXX C A A A C A A A
0531373213 Yes XXXXXX XXXXXX A A A A A A A A
0175682199 Yes XXXXXX XXXXXX A A A A A A A A
0792723598 Yes XXXXXX XXXXXX A A A A A A A A
0666223508 Yes XXXXXX XXXXXX A A A A A A A A
0144895631 Yes XXXXXX XXXXXX D B A A B A D B
0003443853 Yes XXXXXX XXXXXX A A A A A A A A
0880627528 Yes XXXXXX XXXXXX A A A A A A A A
0809719399 Yes XXXXXX XXXXXX A A A A A A A A
0802657493 Yes XXXXXX XXXXXX C B A A C B A A
0456916385 Yes XXXXXX XXXXXX A A A A A A A A
0953373163 Yes XXXXXX XXXXXX B B A A A A B B
0632527448 Yes XXXXXX XXXXXX C B A A C B A A
0696104514 Yes XXXXXX XXXXXX A A A A A A A A
0920350254 Yes XXXXXX XXXXXX C A C A A A A A
0305986428 Yes XXXXXX XXXXXX C C A A A A C C
0599843945 Yes XXXXXX XXXXXX A A A A A A A A
0781795863 Yes XXXXXX XXXXXX B A A A B A A A
0996002459 Yes XXXXXX XXXXXX B A A A B A A A
0888310069 Yes XXXXXX XXXXXX C B A A C B A A
0260896471 Yes XXXXXX XXXXXX D A D A A A D A
0755264329 Yes XXXXXX XXXXXX C B A A C A B B
0319666688 Yes XXXXXX XXXXXX C C A A A A C C
0194449113 Yes XXXXXX XXXXXX A A A A A A A A
0880130265 Yes XXXXXX XXXXXX A A A A A A A A
0659765581 Yes XXXXXX XXXXXX A A A A A A A A
0213989188 Yes XXXXXX XXXXXX A A A A A A A A
0777899380 Yes XXXXXX XXXXXX A A A A A A A A
0086564431 Yes XXXXXX XXXXXX A A A A A A A A
0858064769 Yes XXXXXX XXXXXX A A A A A A A A
0761317450 Yes XXXXXX XXXXXX B A A A B A A A
0997725414 Yes XXXXXX XXXXXX A A A A A A A A
0932693956 Yes XXXXXX XXXXXX C A A A C A A A
0356793416 Yes XXXXXX XXXXXX A A A A A A A A
0548959180 Yes XXXXXX XXXXXX D B D A C B A A
0280405765 Yes XXXXXX XXXXXX A A A A A A A A
0769297579 Yes XXXXXX XXXXXX A A A A A A A A
0913712524 Yes XXXXXX XXXXXX A A A A A A A A
0031683987 Yes XXXXXX XXXXXX C A A A C A A A
0729027996 Yes XXXXXX XXXXXX A A A A A A A A
0907955228 Yes XXXXXX XXXXXX C B A A C B A A
0631832071 Yes XXXXXX XXXXXX A A A A A A A A
0668939460 Yes XXXXXX XXXXXX A A A A A A A A
0337541532 Yes XXXXXX XXXXXX C B A A C B A A
0920598075 Yes XXXXXX XXXXXX C B A A A A C B
0591860522 Yes XXXXXX XXXXXX B B B B B A A A
0729834941 Yes XXXXXX XXXXXX A A A A A A A A
0730162470 Yes XXXXXX XXXXXX C A A A C A A A
0743122804 Yes XXXXXX XXXXXX A A A A A A A A
0604034159 Yes XXXXXX XXXXXX B A A A B A A A
0929483932 Yes XXXXXX XXXXXX D A D A C A A A
0632560243 Yes XXXXXX XXXXXX A A A A A A A A
0134081675 Yes XXXXXX XXXXXX A A A A A A A A
0475337134 Yes XXXXXX XXXXXX B B B B A A A A
0010737787 Yes XXXXXX XXXXXX C A A A C A A A
0994071340 Yes XXXXXX XXXXXX B B A A A A B B
0234758867 Yes XXXXXX XXXXXX D A D A A A A A
0281986538 Yes XXXXXX XXXXXX D A D A A A A A
0380987680 Yes XXXXXX XXXXXX A A A A A A A A
0535439334 Yes XXXXXX XXXXXX A A A A A A A A
0604192470 Yes XXXXXX XXXXXX A A A A A A A A
0024271483 Yes XXXXXX XXXXXX A A A A A A A A
0446321451 Yes XXXXXX XXXXXX A A A A A A A A
0574288693 Yes XXXXXX XXXXXX C A A A C A A A
0505905108 Yes XXXXXX XXXXXX A A A A A A A A
0588348444 Yes XXXXXX XXXXXX C B A A C B A A
0309128157 Yes XXXXXX XXXXXX C C A A C C A A
0777958281 Yes XXXXXX XXXXXX B B A A A A B B
0452635909 Yes XXXXXX XXXXXX A A A A A A A A
0555100019 Yes XXXXXX XXXXXX C B A A C B A A
0150126337 Yes XXXXXX XXXXXX B B A A A A B B
0856115504 Yes XXXXXX XXXXXX C A C A A A A A
0657865877 Yes XXXXXX XXXXXX C B A A C B A A
0816359869 Yes XXXXXX XXXXXX C B A A C A B B
0167390180 Yes XXXXXX XXXXXX C B A A C B A A
0191350109 Yes XXXXXX XXXXXX A A A A A A A A
0149636933 Yes XXXXXX XXXXXX B B A A A A B B
0131676703 Yes XXXXXX XXXXXX A A A A A A A A
0401202913 Yes XXXXXX XXXXXX B B A A A A B B
0939450753 Yes XXXXXX XXXXXX C B A A C B A A
0141156434 Yes XXXXXX XXXXXX B A A A B A A A
0537719524 Yes XXXXXX XXXXXX B A A A B A A A
0305627538 Yes XXXXXX XXXXXX C A C A A A A A
0876669940 Yes XXXXXX XXXXXX A A A A A A A A
0630861076 Yes XXXXXX XXXXXX A A A A A A A A
0242063681 Yes XXXXXX XXXXXX A A A A A A A A
0198067502 Yes XXXXXX XXXXXX A A A A A A A A
0221480097 Yes XXXXXX XXXXXX D B D A C B B B
0584830555 Yes XXXXXX XXXXXX A A A A A A A A
0583132389 Yes XXXXXX XXXXXX C A C A A A A A
0548235788 Yes XXXXXX XXXXXX C A A A C A A A
0746734639 Yes XXXXXX XXXXXX C A A A C A A A
0616096505 Yes XXXXXX XXXXXX A A A A A A A A
0913073001 Yes XXXXXX XXXXXX B B A A A A B B
0457525189 Yes XXXXXX XXXXXX A A A A A A A A
0739014851 Yes XXXXXX XXXXXX A A A A A A A A
0447475177 Yes XXXXXX XXXXXX A A A A A A A A
0136895618 Yes XXXXXX XXXXXX A A A A A A A A
0105045311 Yes XXXXXX XXXXXX A A A A A A A A
0110532198 Yes XXXXXX XXXXXX D A D A C A A A
0423743406 Yes XXXXXX XXXXXX B B A A B B A A
0829883945 Yes XXXXXX XXXXXX C B A A C B A A
0945143123 Yes XXXXXX XXXXXX C B A A C B B B
0923888197 Yes XXXXXX XXXXXX A A A A A A A A
0650052248 Yes XXXXXX XXXXXX C B A A C B A A
0647582937 Yes XXXXXX XXXXXX A A A A A A A A
0913426988 Yes XXXXXX XXXXXX A A A A A A A A
0488815103 Yes XXXXXX XXXXXX A A A A A A A A
0287260643 Yes XXXXXX XXXXXX B B A A A A B B
0579842159 Yes XXXXXX XXXXXX A A A A A A A A
0559242841 Yes XXXXXX XXXXXX D A D A A A D A
0216719832 Yes XXXXXX XXXXXX B B B B A A A A
0669253634 Yes XXXXXX XXXXXX A A A A A A A A
0587719531 Yes XXXXXX XXXXXX A A A A A A A A
0035393275 Yes XXXXXX XXXXXX D A D A A A D A
0863930084 Yes XXXXXX XXXXXX A A A A A A A A
0124294000 Yes XXXXXX XXXXXX A A A A A A A A
0353492332 Yes XXXXXX XXXXXX C B A A C B A A
0902510691 Yes XXXXXX XXXXXX C B A A C B B B
0498381241 Yes XXXXXX XXXXXX A A A A A A A A
0664399310 Yes XXXXXX XXXXXX A A A A A A A A
0296641163 Yes XXXXXX XXXXXX A A A A A A A A
0657098910 Yes XXXXXX XXXXXX A A A A A A A A
0548277013 Yes XXXXXX XXXXXX A A A A A A A A
0493456985 Yes XXXXXX XXXXXX A A A A A A A A
0694585063 Yes XXXXXX XXXXXX B B B B A A A A
0550361547 Yes XXXXXX XXXXXX A A A A A A A A
0298058926 Yes XXXXXX XXXXXX A A A A A A A A
0766355733 Yes XXXXXX XXXXXX A A A A A A A A
0718541849 Yes XXXXXX XXXXXX A A A A A A A A
0426731379 Yes XXXXXX XXXXXX B B A A A A B B
0335709477 Yes XXXXXX XXXXXX A A A A A A A A
0682053136 Yes XXXXXX XXXXXX C A A A C A A A
0324824473 Yes XXXXXX XXXXXX D B D A A A B B
0687836787 Yes XXXXXX XXXXXX B B B B A A B B
0887675797 Yes XXXXXX XXXXXX A A A A A A A A
0168160028 Yes XXXXXX XXXXXX B B B B A A A A
0917461107 Yes XXXXXX XXXXXX A A A A A A A A
0200861820 Yes XXXXXX XXXXXX A A A A A A A A
0277300326 Yes XXXXXX XXXXXX D B D A C B A A
0994331338 Yes XXXXXX XXXXXX A A A A A A A A
0420955894 Yes XXXXXX XXXXXX A A A A A A A A
0096671434 Yes XXXXXX XXXXXX D A D A A A A A
0084722509 Yes XXXXXX XXXXXX B B A A B A B B
0685792419 Yes XXXXXX XXXXXX D A D A A A A A
0823661650 Yes XXXXXX XXXXXX A A A A A A A A
0814054641 Yes XXXXXX XXXXXX B B A A A A B B
0023842273 Yes XXXXXX XXXXXX A A A A A A A A
0977834578 Yes XXXXXX XXXXXX A A A A A A A A
0545652857 Yes XXXXXX XXXXXX D A D A A A A A
0885893931 Yes XXXXXX XXXXXX A A A A A A A A
0465084986 Yes XXXXXX XXXXXX C B A A C B A A
0515587520 Yes XXXXXX XXXXXX D A D A A A D A
0131785888 Yes XXXXXX XXXXXX B A A A B A A A
0042539061 Yes XXXXXX XXXXXX A A A A A A A A
0206660184 Yes XXXXXX XXXXXX A A A A A A A A
0494714350 Yes XXXXXX XXXXXX B B B B A A A A
0491836125 Yes XXXXXX XXXXXX A A A A A A A A
0397262058 Yes XXXXXX XXXXXX B B A A A A B B
0587037809 Yes XXXXXX XXXXXX B B B B A A A A
0151895853 Yes XXXXXX XXXXXX D A A A D A A A
0790744459 Yes XXXXXX XXXXXX C A C A A A A A
0673532474 Yes XXXXXX XXXXXX B B A A A A B B
0181621277 Yes XXXXXX XXXXXX A A A A A A A A
0932202773 Yes XXXXXX XXXXXX A A A A A A A A
0925888895 Yes XXXXXX XXXXXX A A A A A A A A
0062050438 Yes XXXXXX XXXXXX A A A A A A A A
0181958403 Yes XXXXXX XXXXXX B B B B A A A A
0029761425 Yes XXXXXX XXXXXX D A D A A A A A
0760219228 Yes XXXXXX XXXXXX A A A A A A A A
0237014610 Yes XXXXXX XXXXXX A A A A A A A A
0600888426 Yes XXXXXX XXXXXX A A A A A A A A
0516961192 Yes XXXXXX XXXXXX D B D B A A A A
0863540798 Yes XXXXXX XXXXXX A A A A A A A A
0539251688 Yes XXXXXX XXXXXX A A A A A A A A
0266556967 Yes XXXXXX XXXXXX A A A A A A A A
0369889503 Yes XXXXXX XXXXXX A A A A A A A A
0164125191 Yes XXXXXX XXXXXX A A A A A A A A
0458078358 Yes XXXXXX XXXXXX C A A A C A A A
0496199838 Yes XXXXXX XXXXXX A A A A A A A A
0427942493 Yes XXXXXX XXXXXX A A A A A A A A
0479939248 Yes XXXXXX XXXXXX B B B B A A A A
0182729043 Yes XXXXXX XXXXXX A A A A A A A A
0536710165 Yes XXXXXX XXXXXX C B A A C A B B
0103868195 Yes XXXXXX XXXXXX C B B B C A A A
0482493786 Yes XXXXXX XXXXXX C B A A C B B B
0950660621 Yes XXXXXX XXXXXX A A A A A A A A
0328118678 Yes XXXXXX XXXXXX D A D A A A A A
0537555508 Yes XXXXXX XXXXXX D B D A A A B B
0754620395 Yes XXXXXX XXXXXX C B A A C A B B
0688112187 Yes XXXXXX XXXXXX B B B B A A A A
0021531962 Yes XXXXXX XXXXXX C B A A C B A A
0269243307 Yes XXXXXX XXXXXX A A A A A A A A
0035816073 Yes XXXXXX XXXXXX A A A A A A A A
0553914933 Yes XXXXXX XXXXXX A A A A A A A A
0806643303 Yes XXXXXX XXXXXX B B B B A A A A
0859758518 Yes XXXXXX XXXXXX D A D A A A A A
0506577816 Yes XXXXXX XXXXXX D A D A A A A A
0563423801 Yes XXXXXX XXXXXX A A A A A A A A
0418295257 Yes XXXXXX XXXXXX A A A A A A A A
0912563609 Yes XXXXXX XXXXXX A A A A A A A A
0703637370 Yes XXXXXX XXXXXX B B A A A A B B
0149152454 Yes XXXXXX XXXXXX C A C A A A A A
0382081842 Yes XXXXXX XXXXXX A A A A A A A A
0208914314 Yes XXXXXX XXXXXX B B A A A A B B
0716614307 Yes XXXXXX XXXXXX A A A A A A A A
0888555327 Yes XXXXXX XXXXXX D A D A A A A A
0965201935 Yes XXXXXX XXXXXX A A A A A A A A
0402591909 Yes XXXXXX XXXXXX B B A A A A B B
0652515474 Yes XXXXXX XXXXXX A A A A A A A A
0702695241 Yes XXXXXX XXXXXX C A A A C A A A
0572595340 Yes XXXXXX XXXXXX D B D B A A A A
0253616978 Yes XXXXXX XXXXXX B B A A A A B B
0131143074 Yes XXXXXX XXXXXX A A A A A A A A
0108523736 Yes XXXXXX XXXXXX B B A A B B A A
0530998714 Yes XXXXXX XXXXXX D A D A A A A A
0499245709 Yes XXXXXX XXXXXX B B B B A A A A
0727894103 Yes XXXXXX XXXXXX C A A A C A A A
0493652360 Yes XXXXXX XXXXXX A A A A A A A A
0700155032 Yes XXXXXX XXXXXX A A A A A A A A
0221904550 Yes XXXXXX XXXXXX A A A A A A A A
0816806564 Yes XXXXXX XXXXXX A A A A A A A A
0235703331 Yes XXXXXX XXXXXX A A A A A A A A
0067435386 Yes XXXXXX XXXXXX A A A A A A A A
0646755724 Yes XXXXXX XXXXXX A A A A A A A A
0780330810 Yes XXXXXX XXXXXX A A A A A A A A
0642114573 Yes XXXXXX XXXXXX D A D A A A A A
0394315871 Yes XXXXXX XXXXXX A A A A A A A A
0699857463 Yes XXXXXX XXXXXX C B A A A A C B
0891591643 Yes XXXXXX XXXXXX B B A A A A B B
0590902882 Yes XXXXXX XXXXXX C B A A C B A A
0875272756 Yes XXXXXX XXXXXX A A A A A A A A
0202527260 Yes XXXXXX XXXXXX B B B B A A A A
0143684089 Yes XXXXXX XXXXXX A A A A A A A A
0058613861 Yes XXXXXX XXXXXX C A A A C A A A
0557115626 Yes XXXXXX XXXXXX B B A A A A B B
0603761425 Yes XXXXXX XXXXXX A A A A A A A A
0534726772 Yes XXXXXX XXXXXX A A A A A A A A
0720251413 Yes XXXXXX XXXXXX A A A A A A A A
0768062950 Yes XXXXXX XXXXXX A A A A A A A A
0191274934 Yes XXXXXX XXXXXX B B A A A A B B
0002576110 Yes XXXXXX XXXXXX A A A A A A A A
0605454036 Yes XXXXXX XXXXXX A A A A A A A A
0034053723 Yes XXXXXX XXXXXX A A A A A A A A
0513012867 Yes XXXXXX XXXXXX A A A A A A A A
0536817482 Yes XXXXXX XXXXXX A A A A A A A A
0022854168 Yes XXXXXX XXXXXX A A A A A A A A
0271056797 Yes XXXXXX XXXXXX C A A A C A A A
0481271382 Yes XXXXXX XXXXXX A A A A A A A A
0326816784 Yes XXXXXX XXXXXX A A A A A A A A
0318980138 Yes XXXXXX XXXXXX A A A A A A A A
0074744228 Yes XXXXXX XXXXXX A A A A A A A A
0927375181 Yes XXXXXX XXXXXX A A A A A A A A
0929654072 Yes XXXXXX XXXXXX A A A A A A A A
0395338825 Yes XXXXXX XXXXXX A A A A A A A A
0128984555 Yes XXXXXX XXXXXX B B A A A A B B

 

Alt Loan Number Initial S&P Overall Loan Grade Final S&P Overall Loan Grade Initial S&P Credit Loan Grade Final S&P Credit Loan Grade Initial S&P Property Valuations Loan Grade Final S&P Property Valuations Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade
0591919625 A A A A A A A A
0589653309 A A A A A A A A
0184168147 A A A A A A A A
0329214567 B B B B A A A A
0257299882 B B B B A A A A
0605298977 C A A A C A A A
0683188561 D A A A D A A A
0464348710 A A A A A A A A
0695025599 B B A A A A B B
0687733180 A A A A A A A A
0246907499 B B A A B A B B
0069023088 C C A A C C A A
0750545179 A A A A A A A A
0561674490 A A A A A A A A
0254063106 B B B B A A A A
0530498873 B A A A B A A A
0181205985 C A A A C A A A
0226997424 A A A A A A A A
0797395355 B A A A B A A A
0717140003 D D D D A A A A
0291871761 D A D A B A A A
0346772793 A A A A A A A A
0216861325 B A A A B A A A
0894413700 B B A A A A B B
0712906816 A A A A A A A A
0289592115 C A A A C A A A
0804502180 A A A A A A A A
0288127436 C A A A C A A A
0531373213 A A A A A A A A
0175682199 A A A A A A A A
0792723598 A A A A A A A A
0666223508 A A A A A A A A
0144895631 D B A A B A D B
0003443853 A A A A A A A A
0880627528 A A A A A A A A
0809719399 A A A A A A A A
0802657493 C A A A C A A A
0456916385 A A A A A A A A
0953373163 B B A A A A B B
0632527448 C A A A C A A A
0696104514 A A A A A A A A
0920350254 C A C A A A A A
0305986428 C C A A A A C C
0599843945 A A A A A A A A
0781795863 B A A A B A A A
0996002459 B A A A B A A A
0888310069 C A A A C A A A
0260896471 D A D A A A D A
0755264329 C B A A C A B B
0319666688 C C A A A A C C
0194449113 A A A A A A A A
0880130265 A A A A A A A A
0659765581 A A A A A A A A
0213989188 A A A A A A A A
0777899380 A A A A A A A A
0086564431 A A A A A A A A
0858064769 A A A A A A A A
0761317450 B A A A B A A A
0997725414 A A A A A A A A
0932693956 C A A A C A A A
0356793416 A A A A A A A A
0548959180 D A D A C A A A
0280405765 A A A A A A A A
0769297579 A A A A A A A A
0913712524 A A A A A A A A
0031683987 C A A A C A A A
0729027996 A A A A A A A A
0907955228 C A A A C A A A
0631832071 A A A A A A A A
0668939460 A A A A A A A A
0337541532 C A A A C A A A
0920598075 C B A A A A C B
0591860522 B B B B B A A A
0729834941 A A A A A A A A
0730162470 C A A A C A A A
0743122804 A A A A A A A A
0604034159 B A A A B A A A
0929483932 D A D A C A A A
0632560243 A A A A A A A A
0134081675 A A A A A A A A
0475337134 B B B B A A A A
0010737787 C A A A C A A A
0994071340 B B A A A A B B
0234758867 D A D A A A A A
0281986538 D A D A A A A A
0380987680 A A A A A A A A
0535439334 A A A A A A A A
0604192470 A A A A A A A A
0024271483 A A A A A A A A
0446321451 A A A A A A A A
0574288693 C A A A C A A A
0505905108 A A A A A A A A
0588348444 C A A A C A A A
0309128157 C C A A C C A A
0777958281 B B A A A A B B
0452635909 A A A A A A A A
0555100019 C A A A C A A A
0150126337 B B A A A A B B
0856115504 C A C A A A A A
0657865877 C A A A C A A A
0816359869 C B A A C A B B
0167390180 C A A A C A A A
0191350109 A A A A A A A A
0149636933 B B A A A A B B
0131676703 A A A A A A A A
0401202913 B B A A A A B B
0939450753 C A A A C A A A
0141156434 B A A A B A A A
0537719524 B A A A B A A A
0305627538 C A C A A A A A
0876669940 A A A A A A A A
0630861076 A A A A A A A A
0242063681 A A A A A A A A
0198067502 A A A A A A A A
0221480097 D B D A C A B B
0584830555 A A A A A A A A
0583132389 C A C A A A A A
0548235788 C A A A C A A A
0746734639 C A A A C A A A
0616096505 A A A A A A A A
0913073001 B B A A A A B B
0457525189 A A A A A A A A
0739014851 A A A A A A A A
0447475177 A A A A A A A A
0136895618 A A A A A A A A
0105045311 A A A A A A A A
0110532198 D A D A C A A A
0423743406 B A A A B A A A
0829883945 C A A A C A A A
0945143123 C B A A C A B B
0923888197 A A A A A A A A
0650052248 C A A A C A A A
0647582937 A A A A A A A A
0913426988 A A A A A A A A
0488815103 A A A A A A A A
0287260643 B B A A A A B B
0579842159 A A A A A A A A
0559242841 D A D A A A D A
0216719832 B B B B A A A A
0669253634 A A A A A A A A
0587719531 A A A A A A A A
0035393275 D A D A A A D A
0863930084 A A A A A A A A
0124294000 A A A A A A A A
0353492332 C A A A C A A A
0902510691 C B A A C A B B
0498381241 A A A A A A A A
0664399310 A A A A A A A A
0296641163 A A A A A A A A
0657098910 A A A A A A A A
0548277013 A A A A A A A A
0493456985 A A A A A A A A
0694585063 B B B B A A A A
0550361547 A A A A A A A A
0298058926 A A A A A A A A
0766355733 A A A A A A A A
0718541849 A A A A A A A A
0426731379 B B A A A A B B
0335709477 A A A A A A A A
0682053136 C A A A C A A A
0324824473 D B D A A A B B
0687836787 B B B B A A B B
0887675797 A A A A A A A A
0168160028 B B B B A A A A
0917461107 A A A A A A A A
0200861820 A A A A A A A A
0277300326 D A D A C A A A
0994331338 A A A A A A A A
0420955894 A A A A A A A A
0096671434 D A D A A A A A
0084722509 B B A A B A B B
0685792419 D A D A A A A A
0823661650 A A A A A A A A
0814054641 B B A A A A B B
0023842273 A A A A A A A A
0977834578 A A A A A A A A
0545652857 D A D A A A A A
0885893931 A A A A A A A A
0465084986 C A A A C A A A
0515587520 D A D A A A D A
0131785888 B A A A B A A A
0042539061 A A A A A A A A
0206660184 A A A A A A A A
0494714350 B B B B A A A A
0491836125 A A A A A A A A
0397262058 B B A A A A B B
0587037809 B B B B A A A A
0151895853 D A A A D A A A
0790744459 C A C A A A A A
0673532474 B B A A A A B B
0181621277 A A A A A A A A
0932202773 A A A A A A A A
0925888895 A A A A A A A A
0062050438 A A A A A A A A
0181958403 B B B B A A A A
0029761425 D A D A A A A A
0760219228 A A A A A A A A
0237014610 A A A A A A A A
0600888426 A A A A A A A A
0516961192 D B D B A A A A
0863540798 A A A A A A A A
0539251688 A A A A A A A A
0266556967 A A A A A A A A
0369889503 A A A A A A A A
0164125191 A A A A A A A A
0458078358 C A A A C A A A
0496199838 A A A A A A A A
0427942493 A A A A A A A A
0479939248 B B B B A A A A
0182729043 A A A A A A A A
0536710165 C B A A C A B B
0103868195 C B B B C A A A
0482493786 C B A A C A B B
0950660621 A A A A A A A A
0328118678 D A D A A A A A
0537555508 D B D A A A B B
0754620395 C B A A C A B B
0688112187 B B B B A A A A
0021531962 C A A A C A A A
0269243307 A A A A A A A A
0035816073 A A A A A A A A
0553914933 A A A A A A A A
0806643303 B B B B A A A A
0859758518 D A D A A A A A
0506577816 D A D A A A A A
0563423801 A A A A A A A A
0418295257 A A A A A A A A
0912563609 A A A A A A A A
0703637370 B B A A A A B B
0149152454 C A C A A A A A
0382081842 A A A A A A A A
0208914314 B B A A A A B B
0716614307 A A A A A A A A
0888555327 D A D A A A A A
0965201935 A A A A A A A A
0402591909 B B A A A A B B
0652515474 A A A A A A A A
0702695241 C A A A C A A A
0572595340 D B D B A A A A
0253616978 B B A A A A B B
0131143074 A A A A A A A A
0108523736 B B A A B B A A
0530998714 D A D A A A A A
0499245709 B B B B A A A A
0727894103 C A A A C A A A
0493652360 A A A A A A A A
0700155032 A A A A A A A A
0221904550 A A A A A A A A
0816806564 A A A A A A A A
0235703331 A A A A A A A A
0067435386 A A A A A A A A
0646755724 A A A A A A A A
0780330810 A A A A A A A A
0642114573 D A D A A A A A
0394315871 A A A A A A A A
0699857463 C B A A A A C B
0891591643 B B A A A A B B
0590902882 C A A A C A A A
0875272756 A A A A A A A A
0202527260 B B B B A A A A
0143684089 A A A A A A A A
0058613861 C A A A C A A A
0557115626 B B A A A A B B
0603761425 A A A A A A A A
0534726772 A A A A A A A A
0720251413 A A A A A A A A
0768062950 A A A A A A A A
0191274934 B B A A A A B B
0002576110 A A A A A A A A
0605454036 A A A A A A A A
0034053723 A A A A A A A A
0513012867 A A A A A A A A
0536817482 A A A A A A A A
0022854168 A A A A A A A A
0271056797 C A A A C A A A
0481271382 A A A A A A A A
0326816784 A A A A A A A A
0318980138 A A A A A A A A
0074744228 A A A A A A A A
0927375181 A A A A A A A A
0929654072 A A A A A A A A
0395338825 A A A A A A A A
0128984555 B B A A A A B B

 

 

 

 EX-99.6 7 tm2136025d1_ex99-6.htm CLAYTON WAIVED CONDITIONS SUMMARY

Exhibit 99.6

 

Client Name: Wells Fargo Home Mortgage, Inc.  
Client Project Name: WFMBS 2022-1  
Start - End Dates: 03/2020 - 09/2021  
Deal Loan Count: 283  
     
Waived Conditions Summary
     
     

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