ABS-15G

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

FORM ABS-15G

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

WELLS FARGO ASSET SECURITIES CORPORATIoN

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 1011663

Wells Fargo Mortgage Backed Securities 2022-2 Trust
(Exact name of issuing entity as specified in its charter)

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

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

Diane Wold -- 952-242-2302

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

PART I: REPRESENTATION AND WARRANTY INFORMATION

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

EXHIBIT INDEX

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

99.2    Clayton Loan Level Tape Compare

99.3    Clayton Rating Agency ATR QM Data Fields

99.4    Clayton Valuations Summary

99.5    Clayton Conditions Report

99.6    Clayton Waived Conditions Summary

SIGNATURES

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

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

EX-99.1

Exhibit 99.1

WFMBS 2022-2

 

February 17, 2022 

Due Diligence Narrative Report 

 

Table of Contents

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

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Clayton Contact Information

Client Service Management:

Stephany Wright Client Service Manager

Phone: (813) 371-0269/E-mail: swright@clayton.com

Joe Ozment Director of Securitization

Phone: (813) 261-0733/E-mail: jozment@clayton.com

Overview

On behalf of Wells Fargo Home Mortgage, Clayton conducted an independent third-party pre-securitization due diligence review of residential loans selected for the Wells Fargo securitization (WFMBS 2022-2). The loans referenced in this narrative report were reviewed from 11-2021 to 12-2021 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	117	46.99%
Correspondent Flow without delegated underwriting	1	0.40%
Retail	131	52.61%
Total	249	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	249	Clayton performed a Full Review based on the scope described below in the section titled “TPR Component Review Scope”.
Total Loan Population	249

Sponsor Acquisition Criteria

The loans were originated to the following guidelines: Non-Conforming: Retail_10.20_NC and 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.

- 79 loans had Desktop Reviews

- 152 loans had CU Scores of 2.5 or less

- 18 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;

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

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

- Prepayment Penalty restrictions.

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement; 

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

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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	1	99.60%
Combined Loan to Value	3	98.80%
Debt to Income (Back)	9	96.39%
First Time Home Buyer	45	81.93%
Original Loan to Value	1	99.60%
Self-Employment Flag	3	98.80%

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Clayton Due Diligence Results

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

Initial and Final Overall Loan Grade Results

	Overall Grade Migration
	Initial
Final		A	B	C	D	Total
	A	147	9	32	19	207
	B		13	22	5	40
	C			1	1	2
	D					0
	Total	147	22	55	25	249

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

Initial and Final Credit Component Grade Results

	Credit Grade Migration
	Initial
Final		A	B	C	D	Total
	A	202		20	18	240
	B		7			7
	C			2		2
	D					0
	Total	202	7	22	18	249

Initial and Final Property Valuation Grade Results

	Property Valuation Grade Migration
	Initial
Final		A	B	C	D	Total
	A	198	14	17	2	231
	B			18		18
	C					0
	D					0
	Total	198	14	35	2	249

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Initial and Final Regulatory Compliance Grade Results

	Compliance Grade Migration
	Initial
Final		A	B	C	D	Total
	A	212	1	7	14	234
	B		10	5		15
	C					0
	D					0
	Total	212	11	12	14	249

Clayton Third Party Reports Delivered

Clayton furnished the following reports on this transaction:

1. Narrative Report

2. Conditions Report

3. Loan Level Tape Compare Upload

4. Valuations Summary Reports

5. ATR/QM Data Fields Report

6. Waived Conditions Summary

8. ASF Upload

9. Attestation Forms

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Appendix A: Credit Review Scope

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

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

o DTI

o LTV/TLTV/HLTV

o Credit score

o Income and employment

o Assets and reserves

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

o Borrower eligibility, including:

-Citizenship status

-Non- occupant co-borrower

o Transaction eligibility, including:

-Maximum loan amount

-Loan purpose

-Occupancy

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

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

o Uniform Residential Loan Application reviewed to determine:

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

o Income review included:

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

§ Signed by all borrowers and processed by the originator

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

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

§ Tax returns

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§ Financial statements

§ Paystubs

§ W-2s

§ 1099

§ IRS documents

§ Bank statements

§ Lease agreements

§ Award letters

§ Other documentation in loan file

o Asset review included:

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

§ Verification of deposits (VOD)

§ Depository account statements

§ Stock or security account statements

§ Gift funds

§ Settlements statements

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

§ Other documentation in loan file

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

o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

o Title policy review included:

- Title interest – determined if

§ Fee simple

§ Leasehold estate

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

o HUD1 (Settlement Statement) review included:

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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o Hazard/Flood insurance review included:

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

- Confirmed that any required insurance was for the:

§ Correct borrower

§ Correct property

§ Correct lender

§ Correct loan number

§ Life of loan, if flood insurance required

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

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

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

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

o Mortgage Insurance review included:

- Determined if mortgage insurance is required

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

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

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

o Borrower identity

- Social Security inconsistencies

- Borrower name variations

o Occupancy

- Borrower address history

- Subject property ownership history

o Employment

o Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

o OFAC

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Appendix B: Origination Appraisal Assessment

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

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

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

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

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

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

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

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

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

o Appraisal report was reasonably complete and included:

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

§ Subject front, rear and street photos and valued features

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

§ Photos of all comparable sales and listings

§ Location map

§ Exterior sketch of property with dimensions

§ 1004MC Market Conditions Report

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

o Title XI of FIRREA:

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

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

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

o USPAP

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

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

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

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

§ Location

§ % built up

§ Growth rate

§ Demand/supply

§ Marketing time

§ Predominant occupancy

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

o 3 to 4 unit owner occupied properties

o 2 to 4 unit second homes

o Unwarrantable or limited review condominiums

o Manufactured or mobile homes

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o Condotel units

o Unique properties

o Working farms, ranches or orchards

o Mixed-use properties

o Properties subject to existing oil or gas leases

o Properties located in Hawaii Lava Zones 1 and 2

o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

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

WFMBS 2022-2 Due Diligence Narrative Report          Page | 15                 Feburary 17, 2022

 

Appendix C: Regulatory Compliance Review Scope

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

Federal Law

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

§ Pre-application Requirement Testing:

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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.

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

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§ Completion of the LE and CD

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

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

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

§ Waivers

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

§ Corrected CD requiring a new waiting period

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

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

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

§ Post-Close CD’s

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

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

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

§ Related Documentation

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

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

· Affiliated Business Disclosure (can impact fee tolerances)

§ Outside of Clayton’s default TRID scope:

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

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

· Accuracy of the Aggregate Adjustment amount.

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

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

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

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

WFMBS 2022-2 Due Diligence Narrative Report          Page | 18                 Feburary 17, 2022

 

STATE, COUNTY and MUNICIPAL LAW

A. Higher-Priced

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

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

B. State/Local High Cost

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

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

WFMBS 2022-2 Due Diligence Narrative Report          Page | 19                 Feburary 17, 2022

 

C. Anti-Predatory

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

· Minnesota (Mortgage Originator and Service Licensing Act)

· Puerto Rico (Office Regulation 5722)

· Texas (Texas Finance Code)

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

D. Borrower’s Interest

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

Borrower’s Interest
Maine	Ohio	South Carolina
Massachusetts	Rhode Island

E. Consumer Protection

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

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

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

WFMBS 2022-2 Due Diligence Narrative Report          Page | 20                 Feburary 17, 2022

 

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.

© 2022 Clayton Services LLC. All rights reserved.

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

WFMBS 2022-2 Due Diligence Narrative Report          Page | 21                 Feburary 17, 2022

EX-99.2

Exhibit 99.2

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2022-2
Start - End Dates:	11/2021 - 12/2021
Deal Loan Count:	249
Loan Level Tape Compare Upload
Loans in Report	60

Alt Loan Number	Borrower Last Name	Field Name	Tape Data	Reviewer Data
0008394533	XXXXXX	Combined LTV	23	19
0012466434	XXXXXX	First Time Home Buyer	Yes	No
0014838706	XXXXXX	First Time Home Buyer	Yes	No
0018249871	XXXXXX	First Time Home Buyer	Yes	No
0027618395	XXXXXX	First Time Home Buyer	Yes	No
0027940674	XXXXXX	First Time Home Buyer	Yes	No
0038622659	XXXXXX	First Time Home Buyer	Yes	No
0049130591	XXXXXX	First Time Home Buyer	Yes	No
0059604827	XXXXXX	First Time Home Buyer	Yes	No
0121824652	XXXXXX	Debt to Income Ratio (Back)	29.0800	25.4999
0126289448	XXXXXX	First Time Home Buyer	Yes	No
0130544281	XXXXXX	First Time Home Buyer	Yes	No
0142564700	XXXXXX	Debt to Income Ratio (Back)	35.5600	29.4214
0237686792	XXXXXX	First Time Home Buyer	Yes	No
0239773350	XXXXXX	First Time Home Buyer	Yes	No
0242688902	XXXXXX	First Time Home Buyer	Yes	No
0285148298	XXXXXX	Debt to Income Ratio (Back)	38.0700	41.3000
0327239512	XXXXXX	First Time Home Buyer	Yes	No
0329133969	XXXXXX	First Time Home Buyer	Yes	No
0336020403	XXXXXX	First Time Home Buyer	Yes	No
0345232258	XXXXXX	Debt to Income Ratio (Back)	47.8100	42.9152
0403458178	XXXXXX	Debt to Income Ratio (Back)	49.6600	43.7863
0403458178	XXXXXX	Self Employed Flag	Yes	No
0405408809	XXXXXX	First Time Home Buyer	Yes	No
0415723703	XXXXXX	First Time Home Buyer	Yes	No
0437796128	XXXXXX	Debt to Income Ratio (Back)	28.7000	25.6931
0454939527	XXXXXX	First Time Home Buyer	Yes	No
0466409569	XXXXXX	First Time Home Buyer	Yes	No
0514203848	XXXXXX	First Time Home Buyer	Yes	No
0547897711	XXXXXX	First Time Home Buyer	Yes	No
0619326148	XXXXXX	First Time Home Buyer	Yes	No
0627515435	XXXXXX	First Time Home Buyer	Yes	No
0629286718	XXXXXX	First Time Home Buyer	Yes	No
0631100046	XXXXXX	Debt to Income Ratio (Back)	35.4000	39.4875
0637983431	XXXXXX	Combined LTV	52	46
0657966609	XXXXXX	First Time Home Buyer	Yes	No
0668651576	XXXXXX	First Time Home Buyer	Yes	No
0675703245	XXXXXX	Debt to Income Ratio (Back)	31.5800	28.2830
0693754264	XXXXXX	First Time Home Buyer	Yes	No
0695787451	XXXXXX	First Time Home Buyer	Yes	No
0696788799	XXXXXX	First Time Home Buyer	Yes	No
0703473453	XXXXXX	First Time Home Buyer	Yes	No
0706786042	XXXXXX	First Time Home Buyer	Yes	No
0708092167	XXXXXX	First Time Home Buyer	Yes	No
0715911134	XXXXXX	Cash Reserves	1609738.02	1610239.48
0715988083	XXXXXX	First Time Home Buyer	Yes	No
0740264344	XXXXXX	Self Employed Flag	No	Yes
0757327098	XXXXXX	First Time Home Buyer	Yes	No
0758359829	XXXXXX	First Time Home Buyer	Yes	No
0768047291	XXXXXX	First Time Home Buyer	Yes	No
0807205960	XXXXXX	First Time Home Buyer	Yes	No
0816533443	XXXXXX	First Time Home Buyer	Yes	No
0819163420	XXXXXX	First Time Home Buyer	Yes	No
0824365596	XXXXXX	Combined LTV	72	73
0824365596	XXXXXX	Original LTV	60	62
0871293004	XXXXXX	Debt to Income Ratio (Back)	45.6400	41.2694
0880265115	XXXXXX	First Time Home Buyer	Yes	No
0891374962	XXXXXX	First Time Home Buyer	Yes	No
0893453908	XXXXXX	First Time Home Buyer	Yes	No
0923644806	XXXXXX	Self Employed Flag	No	Yes
0943810048	XXXXXX	First Time Home Buyer	Yes	No
0963011596	XXXXXX	First Time Home Buyer	Yes	No

©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

Exhibit 99.3

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2022-2
Start - End Dates:	11/2021 - 12/2021
Deal Loan Count:	249
Rating Agency ATR QM Data Fields
Loans in Report:	249

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
0782417120	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.2567
0403089529	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	611.25	XXXXXX	3.0429
0715911134	QM: Safe Harbor	No	Yes	XXXXXX	XXXXXX	No	Yes	605	XXXXXX	2.9051
0475940272	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1255	XXXXXX	3.1471
0710123293	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1125	XXXXXX	2.6601
0630398836	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.2387
0623412589	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.7501
0445151170	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1255	XXXXXX	2.9018
0354538577	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.0222
0214102677	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	9851.25	XXXXXX	3.0032
0908007770	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	253.75	XXXXXX	3.1421
0449703649	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	175	XXXXXX	2.7652
0637983431	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1380	XXXXXX	2.9571
0858385150	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	80	XXXXXX	2.9999
0378927436	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1125	XXXXXX	2.7823
0384237712	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	97.5	XXXXXX	2.6374
0630592390	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	3.0097
0055409414	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	530	XXXXXX	3.034
0159950521	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3
0930925589	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.2734
0561446869	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	72.5	XXXXXX	3.0003
0960458099	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1125	XXXXXX	2.6571
0180455225	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.1373
0963011596	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	4463.91	XXXXXX	3.0616
0818556132	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.7669
0329381414	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	4247.77	XXXXXX	2.9419
0277992306	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1373.75	XXXXXX	2.9092
0205206384	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	2945	XXXXXX	3.0434
0858231900	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	281.25	XXXXXX	3.0194
0358391248	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	490	XXXXXX	3.0159
0272340507	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1380	XXXXXX	3.5224
0675703245	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	6467.5	XXXXXX	3.0968
0555771390	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.1247
0714354368	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1380	XXXXXX	3.5175
0824365596	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	5070	XXXXXX	3.3062
0765442939	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	80	XXXXXX	2.9008
0825424909	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	2190	XXXXXX	3.1675
0285148298	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1305	XXXXXX	3.1626
0875088367	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1230	XXXXXX	3.392
0049130591	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1425	XXXXXX	3.0391
0904710978	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.9999
0437796128	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	3.0041
0008394533	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	3411.25	XXXXXX	3.4298
0568043370	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1175	XXXXXX	3.034
0344086653	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	2242.5	XXXXXX	3.1572
0949907693	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	571.87	XXXXXX	3.8893
0850465990	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1255	XXXXXX	3.7811
0696788799	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	9520	XXXXXX	2.8822
0123760334	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1280	XXXXXX	2.8993
0633280218	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.2499
0250454910	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.1248
0799906339	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1255	XXXXXX	2.8609
0012466434	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1305	XXXXXX	3.2751
0097948747	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1300	XXXXXX	3.0448
0157245913	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1255	XXXXXX	3.8951
0644179430	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.25
0929699124	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1380	XXXXXX	3.3978
0348250287	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.9999
0029836935	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	13180	XXXXXX	2.8086
0106352761	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1280	XXXXXX	3.1457
0330038584	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1978	XXXXXX	3.289
0708092167	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1305	XXXXXX	3.649
0969584651	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	3
0327367784	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.9922
0400516704	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1380	XXXXXX	3.2744
0727366194	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	3055	XXXXXX	3.0428
0943810048	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1300	XXXXXX	3.3572
0657467883	QM: GSE Temporary - QM/RP	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1380	XXXXXX	4.7837
0893453908	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	661.25	XXXXXX	3.2657
0027618395	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1255	XXXXXX	3.7738
0819163420	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1280	XXXXXX	3.1416
0784847525	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	2320	XXXXXX	2.8999
0405408809	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1380	XXXXXX	3.4043
0738161377	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.0318
0333480713	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.9999
0703473453	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	4316.25	XXXXXX	3.4241
0844874525	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.1265
0765037886	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1430	XXXXXX	3.299
0657966609	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	930	XXXXXX	3.8961
0976648082	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.8732
0758359829	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	3.3904
0273809861	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1380	XXXXXX	3.1425
0027940674	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	5067.5	XXXXXX	3.9529
0389200291	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1305	XXXXXX	3.1484
0095090144	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.9183
0823071411	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.75
0721144840	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1225	XXXXXX	3.1521
0894925349	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	2147.81	XXXXXX	3.0371
0141298780	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	2210	XXXXXX	3.2023
0995058223	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	931	XXXXXX	2.8884
0531421981	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.9988
0706786042	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	536.87	XXXXXX	3.2664
0126289448	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	4793.75	XXXXXX	3.4505
0891374962	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	7780	XXXXXX	3.4834
0336020403	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.8749
0232760193	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.914
0133677363	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1380	XXXXXX	2.9439
0007795623	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.3735
0757327098	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	3.1236
0237281961	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.8621
0715988083	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	10493.75	XXXXXX	3.7133
0880265115	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	4300	XXXXXX	3.418
0547897711	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1280	XXXXXX	3.6609
0707084603	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	670	XXXXXX	3.1397
0142564700	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	2736.46	XXXXXX	3.0098
0768261197	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.884
0021384649	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1380	XXXXXX	2.8889
0496977099	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1055	XXXXXX	2.8983
0975862117	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1380	XXXXXX	3.1248
0239773350	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	368.75	XXXXXX	3.014
0018249871	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.9998
0881697499	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.8625
0327239512	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.7666
0130544281	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	611	XXXXXX	3.7661
0397337026	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1280	XXXXXX	2.8974
0668651576	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1380	XXXXXX	3.0204
0816533443	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	2287.5	XXXXXX	3.4054
0619326148	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.9999
0693754264	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1280	XXXXXX	2.8945
0768047291	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	8780	XXXXXX	3.2481
0454939527	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1380	XXXXXX	2.6476
0807205960	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	3.7461
0144613612	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.7378
0111590312	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	15702.5	XXXXXX	3.0734
0113098186	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1255	XXXXXX	3.1551
0514203848	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1255	XXXXXX	3.15
0111052866	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.9999
0083437480	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	3.1371
0862325390	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	3.143
0375813865	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	2235	XXXXXX	2.9106
0402715806	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	3.1168
0460665636	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	9579	XXXXXX	4.5036
0945942521	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	8200.15	XXXXXX	2.9954
0242688902	QM: GSE Temporary - QM/RP	No	Yes	XXXXXX	XXXXXX	Yes	Yes	15622.5	XXXXXX	4.6831
0747326820	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	3185.28	XXXXXX	3.0617
0475813060	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.8794
0525523880	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	4529	XXXXXX	2.9473
0740264344	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	2415	XXXXXX	3.5186
0227515511	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1454	XXXXXX	3.2977
0545076763	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	4142	XXXXXX	2.9267
0046142574	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.8809
0652761504	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1434	XXXXXX	2.9233
0121573025	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	700	XXXXXX	3.0379
0415723703	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1419	XXXXXX	3.0274
0014782320	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.8812
0121824652	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1469	XXXXXX	3.053
0033526418	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	3955	XXXXXX	2.9602
0888912331	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.9068
0617332992	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.8803
0955021934	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.8806
0038622659	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	999	XXXXXX	3.5166
0278414636	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1061.6	XXXXXX	3.0186
0271056797	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	995	XXXXXX	3.3925
0938536815	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1695	XXXXXX	3.5252
0836170148	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.8803
0668758773	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1346	XXXXXX	2.7846
0981846466	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	7903.63	XXXXXX	2.723
0048664644	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.2546
0982062550	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1780	XXXXXX	3.6485
0162158610	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.5053
0918197844	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1745	XXXXXX	3.5464
0188737332	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	12246	XXXXXX	3.0201
0137045776	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	560	XXXXXX	3.2592
0571679357	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	995	XXXXXX	3.6429
0567221797	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	12539	XXXXXX	3.7695
0292673590	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1500	XXXXXX	3.0423
0443369031	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	205	XXXXXX	2.8831
0329133969	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	5926.76	XXXXXX	2.9271
0328015144	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	2.7758
0329706408	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	17584.61	XXXXXX	2.5562
0169759958	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	2105	XXXXXX	2.7987
0221882077	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	5621.02	XXXXXX	2.9304
0754364837	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.7552
0536358853	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.1339
0711813703	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1350	XXXXXX	3.0233
0014838706	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1348	XXXXXX	2.8977
0959102165	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.8806
0232361891	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	0	XXXXXX	3.1346
0744639106	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	5095	XXXXXX	3.5707
0631100046	Non-QM: Lender documented all ATR UW factors	No	Yes	XXXXXX	XXXXXX	No	No	1790	XXXXXX	3.5277
0104665752	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	2072.5	XXXXXX	3.4265
0414067410	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	2142.9	XXXXXX	2.9255
0432496399	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1465	XXXXXX	2.9109
0648797463	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	296	XXXXXX	3.0357
0594847162	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	3.508
0446619537	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	3360	XXXXXX	3.0425
0917161843	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	695	XXXXXX	3.14
0178575842	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1350	XXXXXX	3.0059
0634689028	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1670	XXXXXX	3.1635
0419804028	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	3064	XXXXXX	3.0434
0770430927	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1270	XXXXXX	3.0154
0556596157	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1690	XXXXXX	3.0353
0765131526	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	9236.5	XXXXXX	3.5015
0781132130	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	930	XXXXXX	3.6846
0428071336	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	2942.5	XXXXXX	3.1651
0403458178	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	539	XXXXXX	2.9909
0336192908	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	995	XXXXXX	3.0369
0082728200	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1290	XXXXXX	2.7966
0345232258	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1693	XXXXXX	3.2766
0130381022	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.7564
0203895893	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1912.44	XXXXXX	3.5502
0466409569	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	995	XXXXXX	3.1428
0025930914	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	14227	XXXXXX	2.7636
0871293004	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1490	XXXXXX	3.2803
0477746254	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1095	XXXXXX	2.8911
0923644806	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.7556
0433542669	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1295	XXXXXX	3.1538
0058951912	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	2220.54	XXXXXX	3.6627
0799341089	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1693	XXXXXX	3.4052
0237686792	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	850	XXXXXX	3.3884
0966813293	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1350	XXXXXX	3.1529
0720960825	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1540	XXXXXX	2.9575
0337811806	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	6886.25	XXXXXX	3.7142
0687185214	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1590	XXXXXX	3.4279
0072833270	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	7257.9	XXXXXX	2.9497
0156111422	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	695	XXXXXX	3.3909
0991500500	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1954.58	XXXXXX	3.2657
0850707507	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1350	XXXXXX	3.2694
0824295564	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.875
0059604827	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	4261.4	XXXXXX	2.9264
0627515435	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	2190	XXXXXX	3.0273
0848207826	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	1890	XXXXXX	3.1528
0310388995	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1735	XXXXXX	3.3063
0923678122	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	2945	XXXXXX	3.0447
0173168900	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	6670	XXXXXX	3.5526
0208473851	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	2090	XXXXXX	3.3077
0391337768	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1595	XXXXXX	2.9332
0050585954	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	2045	XXXXXX	2.923
0529669985	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	3973.09	XXXXXX	3.0779
0678451157	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1350	XXXXXX	2.8986
0334437324	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1445	XXXXXX	3.1703
0992198396	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1390	XXXXXX	3.2743
0985309541	QM: GSE Temporary - QM/SH	No	Yes	XXXXXX	XXXXXX	Yes	Yes	8260.79	XXXXXX	3.0969
0629286718	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1350	XXXXXX	2.8972
0423150602	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1448.2	XXXXXX	2.7798
0740519320	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1390	XXXXXX	3.5212
0382041256	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1350	XXXXXX	3.0192
0246546879	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	995	XXXXXX	3.0155
0711664385	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	3803.01	XXXXXX	2.7649
0169686108	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.7639
0665222452	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1350	XXXXXX	2.9208
0022698936	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	9722.75	XXXXXX	2.9962
0518706050	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	0	XXXXXX	2.8803
0695787451	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1490	XXXXXX	3.1482
0867777388	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1255	XXXXXX	3.2709
0452152339	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	5394.94	XXXXXX	3.5746
0612917914	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1249	XXXXXX	2.8977
0862067344	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1279	XXXXXX	2.8915
0393502836	QM: Safe Harbor (APOR)	No	Yes	XXXXXX	XXXXXX	Yes	No	1350	XXXXXX	3.1506

Alt Loan Number	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
0782417120	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0403089529	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0715911134	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0475940272	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0710123293	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0630398836	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0623412589	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0445151170	Employed	Employed	U.S. Citizen	Permanent Resident Alien	No	0
0354538577	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0214102677	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0908007770	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0449703649	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0637983431	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0858385150	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0378927436	Employed	Employed	U.S. Citizen	Non-Permanent Resident Alien	No	0
0384237712	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0630592390	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0055409414	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0159950521	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0930925589	Employed	Employed	Permanent Resident Alien	U.S. Citizen	No	0
0561446869	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0960458099	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0180455225	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0963011596	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0818556132	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0329381414	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0277992306	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0205206384	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0858231900	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0358391248	Unemployed	Employed	U.S. Citizen	U.S. Citizen	No	0
0272340507	Retired	Retired	U.S. Citizen	U.S. Citizen	No	0
0675703245	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0555771390	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0714354368	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0824365596	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0765442939	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0825424909	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0285148298	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0875088367	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0049130591	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0904710978	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0437796128	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0008394533	Employed	Unemployed	U.S. Citizen	Permanent Resident Alien	No	0
0568043370	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0344086653	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0949907693	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0850465990	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0696788799	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0123760334	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0633280218	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0250454910	Employed	Employed	Permanent Resident Alien	U.S. Citizen	No	0
0799906339	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0012466434	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0097948747	Employed	Retired	U.S. Citizen	U.S. Citizen	No	0
0157245913	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0644179430	Unemployed	Employed	U.S. Citizen	U.S. Citizen	No	0
0929699124	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0348250287	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0029836935	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0106352761	Employed	(No Data)	U.S. Citizen	(No Data)	Yes	0
0330038584	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0708092167	Retired	(No Data)	U.S. Citizen	(No Data)	No	0
0969584651	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0327367784	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0400516704	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0727366194	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0943810048	Retired	Employed	U.S. Citizen	U.S. Citizen	No	0
0657467883	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0893453908	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0027618395	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0819163420	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0784847525	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0405408809	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0738161377	Retired	(No Data)	U.S. Citizen	(No Data)	No	0
0333480713	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0703473453	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0844874525	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0765037886	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0657966609	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0976648082	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0758359829	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0273809861	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0027940674	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0389200291	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0095090144	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0823071411	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0721144840	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0894925349	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0141298780	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0995058223	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0531421981	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0706786042	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0126289448	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0891374962	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0336020403	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0232760193	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0133677363	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0007795623	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0757327098	Employed	Employed	U.S. Citizen	Permanent Resident Alien	No	0
0237281961	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0715988083	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0880265115	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0547897711	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0707084603	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0142564700	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0768261197	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0021384649	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0496977099	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0975862117	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0239773350	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0018249871	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0881697499	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0327239512	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0130544281	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0397337026	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0668651576	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0816533443	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0619326148	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0693754264	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0768047291	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0454939527	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0807205960	Employed	Employed	Non-Permanent Resident Alien	Non-Permanent Resident Alien	No	0
0144613612	Unemployed	Employed	U.S. Citizen	U.S. Citizen	No	0
0111590312	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0113098186	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0514203848	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0111052866	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0083437480	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0862325390	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0375813865	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0402715806	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0460665636	Retired	Employed	U.S. Citizen	U.S. Citizen	No	0
0945942521	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0242688902	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0747326820	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0475813060	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0525523880	Retired	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0740264344	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0227515511	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0545076763	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0046142574	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0652761504	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0121573025	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0415723703	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0014782320	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0121824652	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0033526418	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0888912331	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0617332992	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0955021934	Employed	Unemployed	U.S. Citizen	(No Data)	No	0
0038622659	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0278414636	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0271056797	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0938536815	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0836170148	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0668758773	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0981846466	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0048664644	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0982062550	Retired	(No Data)	U.S. Citizen	(No Data)	No	0
0162158610	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0918197844	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0188737332	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0137045776	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0571679357	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0567221797	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0292673590	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0443369031	Unemployed	Employed	Non-Permanent Resident Alien	Non-Permanent Resident Alien	No	0
0329133969	Employed	Unemployed	Permanent Resident Alien	U.S. Citizen	No	0
0328015144	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0329706408	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0169759958	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0221882077	Retired	(No Data)	U.S. Citizen	(No Data)	No	0
0754364837	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0536358853	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0711813703	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0014838706	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0959102165	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0232361891	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0744639106	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0631100046	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0104665752	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0414067410	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0432496399	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0648797463	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0594847162	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0446619537	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0917161843	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0178575842	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0634689028	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0419804028	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0770430927	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0556596157	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0765131526	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0781132130	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0428071336	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0403458178	Employed	Employed	Permanent Resident Alien	Permanent Resident Alien	No	0
0336192908	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0082728200	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0345232258	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0130381022	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0203895893	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0466409569	Employed	Employed	Non-Permanent Resident Alien	Non-Permanent Resident Alien	No	0
0025930914	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0871293004	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0477746254	Retired	(No Data)	U.S. Citizen	(No Data)	No	0
0923644806	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0433542669	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0058951912	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0799341089	Employed	Employed	U.S. Citizen	Non-Permanent Resident Alien	No	0
0237686792	Employed	Retired	U.S. Citizen	U.S. Citizen	No	0
0966813293	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0720960825	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0337811806	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0687185214	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0072833270	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0156111422	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0991500500	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0850707507	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0824295564	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0059604827	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0627515435	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0848207826	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0310388995	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0923678122	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0173168900	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0208473851	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0391337768	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0050585954	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0529669985	Employed	Employed	U.S. Citizen	Permanent Resident Alien	No	0
0678451157	Retired	Retired	U.S. Citizen	U.S. Citizen	No	0
0334437324	Employed	(No Data)	U.S. Citizen	(No Data)	No	0
0992198396	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0
0985309541	Retired	Retired	U.S. Citizen	U.S. Citizen	No	0
0629286718	Employed	(No Data)	Permanent Resident Alien	(No Data)	No	0
0423150602	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0740519320	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0382041256	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0246546879	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0711664385	Employed	(No Data)	Non-Permanent Resident Alien	(No Data)	No	0
0169686108	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0665222452	Retired	Retired	U.S. Citizen	U.S. Citizen	No	0
0022698936	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0518706050	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0695787451	Retired	(No Data)	U.S. Citizen	(No Data)	No	0
0867777388	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0452152339	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0612917914	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0862067344	Employed	Employed	U.S. Citizen	U.S. Citizen	No	0
0393502836	Employed	Unemployed	U.S. Citizen	U.S. Citizen	No	0

EX-99.4

Exhibit 99.4

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2022-2
Start - End Dates:	11/2021 - 12/2021
Deal Loan Count:	249
Valuations Summary
Loans in Report:	249

Origination Values

Alt Loan Number

Original Balance

Sales Price

Value For LTV

Appraised Date

Appraised Value

Appraisal Form

AVM Vendor Name

Confidence Score

Review Date

Review Value

Variance Amount

Variance %

Review Type

0782417120

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0403089529

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

2090 Cooperative (Mar 05)

$0.00

0715911134

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0475940272

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0710123293

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

2090 Cooperative (Mar 05)

$0.00

0630398836

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0623412589

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

2090 Cooperative (Mar 05)

$0.00

0445151170

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0354538577

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0214102677

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0908007770

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

2090 Cooperative (Mar 05)

$0.00

0449703649

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Desk Review

$0.00

0637983431

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0858385150

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0378927436

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Desk Review

$0.00

0384237712

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

2090 Cooperative (Mar 05)

$0.00

0630592390

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0055409414

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0159950521

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0930925589

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0561446869

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0960458099

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

2090 Cooperative (Mar 05)

$0.00

0180455225

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Desk Review

$0.00

0963011596

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0818556132

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Desk Review

$0.00

0329381414

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0277992306

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0205206384

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Desk Review

$0.00

0858231900

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Desk Review

$0.00

0358391248

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Desk Review

$0.00

0272340507

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0675703245

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0555771390

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0714354368

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0824365596

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0765442939

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0825424909

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0285148298

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0875088367

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0049130591

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0904710978

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0437796128

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0008394533

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0568043370

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Desk Review

$0.00

0344086653

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0949907693

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0850465990

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0696788799

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0123760334

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0633280218

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0250454910

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0799906339

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0012466434

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0097948747

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0157245913

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0644179430

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0929699124

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0348250287

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0029836935

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0106352761

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0330038584

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0708092167

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0969584651

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0327367784

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0400516704

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0727366194

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Desk Review

$0.00

0943810048

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0657467883

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0893453908

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0027618395

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0819163420

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0784847525

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0405408809

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0738161377

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0333480713

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0703473453

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0844874525

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

2090 Cooperative (Mar 05)

$0.00

0765037886

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0657966609

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0976648082

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0758359829

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0273809861

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0027940674

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0389200291

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0095090144

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0823071411

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0721144840

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0894925349

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0141298780

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0995058223

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0531421981

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0706786042

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0126289448

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0891374962

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0336020403

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0232760193

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0133677363

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0007795623

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0757327098

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0237281961

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0715988083

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1025 Multi-Fam (Mar 05)

$0.00

0880265115

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0547897711

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0707084603

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0142564700

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0768261197

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0021384649

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0496977099

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0975862117

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0239773350

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0018249871

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0881697499

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0327239512

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0130544281

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0397337026

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0668651576

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0816533443

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0619326148

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0693754264

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0768047291

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0454939527

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0807205960

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0144613612

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0111590312

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0113098186

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0514203848

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0111052866

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0083437480

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0862325390

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0375813865

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0402715806

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0460665636

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0945942521

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0242688902

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0747326820

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0475813060

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0525523880

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0740264344

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1025 Multi-Fam (Mar 05)

$0.00

0227515511

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0545076763

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0046142574

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0652761504

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0121573025

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0415723703

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0014782320

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0121824652

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0033526418

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0888912331

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0617332992

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0955021934

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0038622659

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0278414636

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0271056797

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0938536815

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0836170148

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0668758773

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0981846466

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0048664644

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0982062550

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0162158610

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0918197844

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0188737332

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

2090 Cooperative (Mar 05)

$0.00

0137045776

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0571679357

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0567221797

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0292673590

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0443369031

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0329133969

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0328015144

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0329706408

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0169759958

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0221882077

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0754364837

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0536358853

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0711813703

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0014838706

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0959102165

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0232361891

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0744639106

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0631100046

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0104665752

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0414067410

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0432496399

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0648797463

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0594847162

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0446619537

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0917161843

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0178575842

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0634689028

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0419804028

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0770430927

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0556596157

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0765131526

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0781132130

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0428071336

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0403458178

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0336192908

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0082728200

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0345232258

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0130381022

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0203895893

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0466409569

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0025930914

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0871293004

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1025 Multi-Fam (Mar 05)

$0.00

0477746254

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0923644806

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0433542669

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0058951912

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0799341089

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0237686792

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0966813293

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0720960825

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0337811806

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0687185214

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0072833270

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0156111422

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0991500500

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0850707507

XXXXXX

XXXXXX

XXXXXX

XXXXXX

Property Inspection Waiver

$0.00

0824295564

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0059604827

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0627515435

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1073 Condo (Mar 05)

$0.00

0848207826

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0310388995

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0923678122

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0173168900

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1025 Multi-Fam (Mar 05)

$0.00

0208473851

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0391337768

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0050585954

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0529669985

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0678451157

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0334437324

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0992198396

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0985309541

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0629286718

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0423150602

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0740519320

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0382041256

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0246546879

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0711664385

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0169686108

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0665222452

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0022698936

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0518706050

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0695787451

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0867777388

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0452152339

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0612917914

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0862067344

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

0393502836

XXXXXX

XXXXXX

XXXXXX

XXXXXX

XXXXXX

1004 SFR (Mar 05)

$0.00

	Automated Valuation Model							Desk Review				Second Desk Review
Alt Loan Number	Report Date	Value	Variance Amount	Variance (%)	AVM Vendor Name	AVM FSD	Confidence Score	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance %
0782417120		$0.00	$0.00	0.00%		0.000		12/02/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0403089529		$0.00	$0.00	0.00%		0.000		12/01/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0715911134		$0.00	$0.00	0.00%		0.000		10/09/2020	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0475940272		$0.00	$0.00	0.00%		0.000		11/30/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0710123293		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0630398836		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0623412589		$0.00	$0.00	0.00%		0.000		12/01/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0445151170		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0354538577		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0214102677		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0908007770		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0449703649		$0.00	$0.00	0.00%		0.000		12/01/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0637983431		$0.00	$0.00	0.00%		0.000		11/28/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0858385150		$0.00	$0.00	0.00%		0.000		11/28/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0378927436		$0.00	$0.00	0.00%		0.000		12/01/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0384237712		$0.00	$0.00	0.00%		0.000		11/30/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0630592390		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0055409414		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0159950521		$0.00	$0.00	0.00%		0.000		11/28/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0930925589		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0561446869		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0960458099		$0.00	$0.00	0.00%		0.000		12/01/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0180455225		$0.00	$0.00	0.00%		0.000		11/28/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0963011596		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0818556132		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0329381414		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0277992306		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0205206384		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0858231900		$0.00	$0.00	0.00%		0.000		11/28/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0358391248		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0272340507		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0675703245		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0555771390		$0.00	$0.00	0.00%		0.000		12/06/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0714354368		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0824365596		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0765442939		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0825424909		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0285148298		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0875088367		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0049130591		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0904710978		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0437796128		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0008394533		$0.00	$0.00	0.00%		0.000		11/30/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0568043370		$0.00	$0.00	0.00%		0.000		12/01/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0344086653		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0949907693		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0850465990		$0.00	$0.00	0.00%		0.000		12/01/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0696788799		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0123760334		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0633280218		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0250454910		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0799906339		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0012466434		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0097948747		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0157245913		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0644179430		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0929699124		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0348250287		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0029836935		$0.00	$0.00	0.00%		0.000		11/28/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0106352761		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0330038584		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0708092167		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0969584651		$0.00	$0.00	0.00%		0.000		11/30/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0327367784		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0400516704		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0727366194		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0943810048		$0.00	$0.00	0.00%		0.000		11/28/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0657467883		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0893453908		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0027618395		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0819163420		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0784847525		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0405408809		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0738161377		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0333480713		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0703473453		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0844874525		$0.00	$0.00	0.00%		0.000		11/30/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0765037886		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0657966609		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0976648082		$0.00	$0.00	0.00%		0.000		11/27/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0758359829		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0273809861		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0027940674		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0389200291		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0095090144		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0823071411		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0721144840		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0894925349		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0141298780		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0995058223		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0531421981		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0706786042		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0126289448		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0891374962		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0336020403		$0.00	$0.00	0.00%		0.000		11/28/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0232760193		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0133677363		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0007795623		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0757327098		$0.00	$0.00	0.00%		0.000		12/01/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0237281961		$0.00	$0.00	0.00%		0.000		12/02/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0715988083		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0880265115		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0547897711		$0.00	$0.00	0.00%		0.000		11/28/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0707084603		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0142564700		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0768261197		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0021384649		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0496977099		$0.00	$0.00	0.00%		0.000		11/30/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0975862117		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0239773350		$0.00	$0.00	0.00%		0.000		12/04/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0018249871		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0881697499		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0327239512		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0130544281		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0397337026		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0668651576		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0816533443		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0619326148		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0693754264		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0768047291		$0.00	$0.00	0.00%		0.000		08/16/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0454939527		$0.00	$0.00	0.00%		0.000		08/20/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0807205960		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0144613612		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0111590312		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0113098186		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0514203848		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0111052866		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0083437480		$0.00	$0.00	0.00%		0.000		11/26/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0862325390		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0375813865		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0402715806		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0460665636		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0945942521		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0242688902		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0747326820		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0475813060		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0525523880		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0740264344		$0.00	$0.00	0.00%		0.000		11/27/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0227515511		$0.00	$0.00	0.00%		0.000		11/28/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0545076763		$0.00	$0.00	0.00%		0.000		11/30/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0046142574		$0.00	$0.00	0.00%		0.000		11/27/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0652761504		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0121573025		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0415723703		$0.00	$0.00	0.00%		0.000		11/28/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0014782320		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0121824652		$0.00	$0.00	0.00%		0.000		11/28/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0033526418		$0.00	$0.00	0.00%		0.000		12/17/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0888912331		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0617332992		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0955021934		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0038622659		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0278414636		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0271056797		$0.00	$0.00	0.00%		0.000		09/15/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0938536815		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0836170148		$0.00	$0.00	0.00%		0.000		11/30/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0668758773		$0.00	$0.00	0.00%		0.000		11/30/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0981846466		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0048664644		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0982062550		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0162158610		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0918197844		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0188737332		$0.00	$0.00	0.00%		0.000		11/30/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0137045776		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0571679357		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0567221797		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0292673590		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0443369031		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0329133969		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0328015144		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0329706408		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0169759958		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0221882077		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0754364837		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0536358853		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0711813703		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0014838706		$0.00	$0.00	0.00%		0.000		12/02/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0959102165		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0232361891		$0.00	$0.00	0.00%		0.000		11/28/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0744639106		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0631100046		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0104665752		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0414067410		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0432496399		$0.00	$0.00	0.00%		0.000		12/01/2021	XXXXXXX	XXXXXXX	-0.13%		$0.00	$0.00	0.00%
0648797463		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0594847162		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0446619537		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0917161843		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0178575842		$0.00	$0.00	0.00%		0.000		12/01/2021	XXXXXXX	XXXXXXX	-5.49%		$0.00	$0.00	0.00%
0634689028		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0419804028		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0770430927		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0556596157		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0765131526		$0.00	$0.00	0.00%		0.000		11/30/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0781132130		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0428071336		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0403458178		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0336192908		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0082728200		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0345232258		$0.00	$0.00	0.00%		0.000		12/02/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0130381022		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0203895893		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0466409569		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0025930914		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0871293004		$0.00	$0.00	0.00%		0.000		11/27/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0477746254		$0.00	$0.00	0.00%		0.000		11/30/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0923644806		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0433542669		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0058951912		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0799341089		$0.00	$0.00	0.00%		0.000		12/02/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0237686792		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0966813293		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0720960825		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0337811806		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0687185214		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0072833270		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0156111422		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0991500500		$0.00	$0.00	0.00%		0.000		11/26/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0850707507		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0824295564		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0059604827		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0627515435		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0848207826		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0310388995		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0923678122		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0173168900		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0208473851		$0.00	$0.00	0.00%		0.000		11/28/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0391337768		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0050585954		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0529669985		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0678451157		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0334437324		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0992198396		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0985309541		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0629286718		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0423150602		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0740519320		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0382041256		$0.00	$0.00	0.00%		0.000		11/29/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0246546879		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0711664385		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0169686108		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0665222452		$0.00	$0.00	0.00%		0.000		12/02/2021	XXXXXXX	XXXXXXX	-3.23%		$0.00	$0.00	0.00%
0022698936		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0518706050		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0695787451		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0867777388		$0.00	$0.00	0.00%		0.000		11/28/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0452152339		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0612917914		$0.00	$0.00	0.00%		0.000		12/01/2021	XXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%
0862067344		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0393502836		$0.00	$0.00	0.00%		0.000			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%

	Field Review				Second Field Review				1004 SFR (Mar 05)				2055 Ext Only (Mar 05)
Alt Loan Number	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Report Value	Variance Amount	Variance (%)
0782417120		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0403089529		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0715911134		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0475940272		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0710123293		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0630398836		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0623412589		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0445151170		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0354538577		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0214102677		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0908007770		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0449703649		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0637983431		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0858385150		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0378927436		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0384237712		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0630592390		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0055409414		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0159950521		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0930925589		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0561446869		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0960458099		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0180455225		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0963011596		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0818556132		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0329381414		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0277992306		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0205206384		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0858231900		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0358391248		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0272340507		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0675703245		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0555771390		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0714354368		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0824365596		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0765442939		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0825424909		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0285148298		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0875088367		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0049130591		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0904710978		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0437796128		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0008394533		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0568043370		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0344086653		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0949907693		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0850465990		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0696788799		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0123760334		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0633280218		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0250454910		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0799906339		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0012466434		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0097948747		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0157245913		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0644179430		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0929699124		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0348250287		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0029836935		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0106352761		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0330038584		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0708092167		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0969584651		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0327367784		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0400516704		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0727366194		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0943810048		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0657467883		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0893453908		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0027618395		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0819163420		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0784847525		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0405408809		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0738161377		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0333480713		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0703473453		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0844874525		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0765037886		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0657966609		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0976648082		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0758359829		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0273809861		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0027940674		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0389200291		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0095090144		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0823071411		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0721144840		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0894925349		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0141298780		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0995058223		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0531421981		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0706786042		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0126289448		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0891374962		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0336020403		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0232760193		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0133677363		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0007795623		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0757327098		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0237281961		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0715988083		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0880265115		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0547897711		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0707084603		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0142564700		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0768261197		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0021384649		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0496977099		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0975862117		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0239773350		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
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0310388995		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0923678122		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0173168900		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0208473851		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0391337768		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0050585954		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0529669985		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0678451157		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0334437324		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0992198396		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0985309541		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0629286718		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0423150602		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0740519320		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0382041256		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0246546879		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0711664385		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0169686108		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0665222452		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0022698936		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0518706050		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0695787451		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0867777388		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0452152339		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0612917914		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0862067344		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%
0393502836		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%

	BPO (Broker Price Opinion)				Other					AUS Information
Alt Loan Number	Report Date	Value	Variance Amount	Variance (%)	Other - Valuation Type	Report Date	Value	Variance Amount	Variance (%)	CU Score
0782417120		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0403089529		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0715911134		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0475940272		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0710123293		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0630398836		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0623412589		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0445151170		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
0354538577		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.6
0214102677		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0908007770		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0449703649		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0637983431		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0858385150		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0378927436		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0384237712		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0630592390		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0055409414		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.2
0159950521		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0930925589		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
0561446869		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
0960458099		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0180455225		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0963011596		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0818556132		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0329381414		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
0277992306	10/04/2021	XXXXXX	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0205206384		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0858231900		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0358391248		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
0272340507		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
0675703245	08/31/2021	XXXXXX	XXXXXX	-1.25%			$0.00	$0.00	0.00%	(No Data)
0555771390		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0714354368		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
0824365596		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
0765442939		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.2
0825424909		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0285148298		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.4
0875088367		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.4
0049130591		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.2
0904710978	10/05/2021	XXXXXX	XXXXXX	-5.13%			$0.00	$0.00	0.00%	(No Data)
0437796128		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0008394533		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0568043370		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0344086653		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0949907693		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
0850465990		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0696788799		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0123760334		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0633280218		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
0250454910		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
0799906339	08/31/2021	XXXXXX	XXXXXX	0.70%			$0.00	$0.00	0.00%	(No Data)
0012466434	08/31/2021	XXXXXX	XXXXXX	-1.52%			$0.00	$0.00	0.00%	(No Data)
0097948747		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0157245913		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0644179430		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0929699124		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
0348250287		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0029836935		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0106352761		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
0330038584		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.2
0708092167		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0969584651		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0327367784		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
0400516704		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0727366194		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0943810048		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0657467883		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.9
0893453908	10/05/2021	XXXXXX	XXXXXX	12.82%			$0.00	$0.00	0.00%	(No Data)
0027618395		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0819163420	08/31/2021	XXXXXX	XXXXXX	-1.35%			$0.00	$0.00	0.00%	(No Data)
0784847525		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
0405408809	08/31/2021	XXXXXX	XXXXXX	-5.49%			$0.00	$0.00	0.00%	(No Data)
0738161377		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0333480713		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
0703473453		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.9
0844874525		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0765037886		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
0657966609		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
0976648082		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0758359829		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0273809861		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0027940674		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
0389200291	08/31/2021	XXXXXX	XXXXXX	1.09%			$0.00	$0.00	0.00%	(No Data)
0095090144		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0823071411	08/31/2021	XXXXXX	XXXXXX	1.97%			$0.00	$0.00	0.00%	(No Data)
0721144840		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
0894925349	10/04/2021	XXXXXX	XXXXXX	4.42%			$0.00	$0.00	0.00%	(No Data)
0141298780		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0995058223		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0531421981		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.4
0706786042	09/29/2021	XXXXXX	XXXXXX	15.76%			$0.00	$0.00	0.00%	(No Data)
0126289448		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0891374962		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0336020403		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0232760193		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
0133677363		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
0007795623		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0757327098		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0237281961		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0715988083		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0880265115		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0547897711		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0707084603		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0142564700		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
0768261197		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
0021384649		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.6
0496977099		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0975862117		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0239773350		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0018249871		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
0881697499		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0327239512		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0130544281		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0397337026	10/04/2021	XXXXXX	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0668651576		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0816533443		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0619326148		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0693754264		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0768047291		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0454939527		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0807205960		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0144613612		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0111590312		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
0113098186		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0514203848		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.4
0111052866		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0083437480		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0862325390		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0375813865	10/31/2021	XXXXXX	XXXXXX	0.52%			$0.00	$0.00	0.00%	(No Data)
0402715806	10/29/2021	XXXXXX	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0460665636		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0945942521		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0242688902		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
0747326820		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
0475813060		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.5
0525523880		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
0740264344		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0227515511		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0545076763		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0046142574		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0652761504		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.4
0121573025		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
0415723703		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0014782320		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.2
0121824652		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0033526418		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0888912331		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.4
0617332992		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.5
0955021934		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0038622659		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0278414636		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0271056797		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0938536815		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0836170148		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0668758773		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0981846466		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
0048664644		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0982062550		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0162158610		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.5
0918197844		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0188737332		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0137045776		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.4
0571679357		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
0567221797		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0292673590		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.4
0443369031		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0329133969		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.2
0328015144		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0329706408		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0169759958		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.6
0221882077		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
0754364837		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0536358853		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0711813703		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0014838706		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0959102165		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0232361891		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0744639106		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0631100046		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
0104665752		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0414067410		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0432496399		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0648797463		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
0594847162		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0446619537		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0917161843		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0178575842		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0634689028		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.8
0419804028	08/31/2021	XXXXXX	XXXXXX	0.93%			$0.00	$0.00	0.00%	(No Data)
0770430927		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
0556596157		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
0765131526		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0781132130		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
0428071336		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0403458178		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
0336192908		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.4
0082728200		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
0345232258		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0130381022		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.6
0203895893		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
0466409569		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.5
0025930914		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
0871293004		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0477746254		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0923644806		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0433542669		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0058951912		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0799341089		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0237686792		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0966813293	08/31/2021	XXXXXX	XXXXXX	2.14%			$0.00	$0.00	0.00%	(No Data)
0720960825		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
0337811806		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
0687185214		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0072833270		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
0156111422		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
0991500500		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0850707507	08/31/2021	XXXXXX	XXXXXX	2.54%			$0.00	$0.00	0.00%	(No Data)
0824295564		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
0059604827		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
0627515435		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0848207826		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0310388995		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
0923678122		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0173168900		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0208473851		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0391337768		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0050585954		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0529669985		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
0678451157		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0334437324		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0992198396		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.4
0985309541		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0629286718		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0423150602		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
0740519320		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0382041256		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0246546879		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0711664385		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.7
0169686108		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0665222452		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0022698936		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0518706050		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0695787451		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0867777388		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0452152339		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0612917914		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)
0862067344		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
0393502836		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0

EX-99.5

Exhibit 99.5

Client Name:		Wells Fargo Home Mortgage, Inc.
Client Project Name:		WFMBS 2022-2
Start - End Dates:		11/2021 - 12/2021
Deal Loan Count:		249
Conditions Report 2.0
Loans in Report:		249
Loans with Conditions:		130
22 - Total Active Conditions
	2 - Material Conditions
			2 - Credit Review Scope
				2 - Category: DTI
	20 - Non-Material Conditions
			9 - Credit Review Scope
				2 - Category: Ability to Repay/Qualified Mortgage
				7 - Category: Application
			11 - Compliance Review Scope
				1 - Category: Federal Consumer Protection
				7 - Category: RESPA
				3 - Category: Right of Rescission
221 - Total Satisfied Conditions
			44 - Credit Review Scope
				4 - Category: Application
				1 - Category: Assets
				2 - Category: Credit/Mtg History
				5 - Category: DTI
				10 - Category: Income/Employment
				16 - Category: Insurance
				3 - Category: Legal Documents
				1 - Category: LTV/CLTV
				1 - Category: Terms/Guidelines
				1 - Category: Title
			70 - Property Valuations Review Scope
				23 - Category: Appraisal
				46 - Category: FEMA
				1 - Category: Property
			107 - Compliance Review Scope
				19 - Category: Ability to Repay/Qualified Mortgage
				1 - Category: Documentation
				1 - Category: Federal Higher-Priced
				4 - Category: Finance Charge Tolerance
				1 - Category: RESPA
				81 - 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 2022-2
Start - End Dates:	11/2021 - 12/2021
Deal Loan Count:	249
Conditions Report 2.0
Loans in Report:	249
Loans with Conditions:	130

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

0782417120

XXXXXX

MD

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

B

B

B

A

A

A

A

0403089529

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

A

A

0715911134

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

0475940272

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

B

B

B

B

A

A

A

0475940272

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

B

B

B

B

A

A

A

0710123293

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

A

A

A

B

A

A

A

0630398836

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0623412589

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

B

B

C

A

A

A

0623412589

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

B

B

C

A

A

A

0623412589

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

B

B

C

A

A

A

0445151170

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

C

A

0445151170

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

C

A

0445151170

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

C

A

0445151170

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

C

A

0354538577

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

C

A

A

A

A

A

0354538577

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

C

A

A

A

A

A

0214102677

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0214102677

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0908007770

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

A

A

A

B

A

A

A

0449703649

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

B

B

C

A

A

A

0449703649

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

B

B

C

A

A

A

0637983431

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0637983431

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0637983431

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0858385150

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0378927436

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0384237712

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

A

A

A

B

A

A

A

0630592390

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

0630592390

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

0630592390

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

0055409414

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0159950521

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0930925589

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

C

A

A

A

A

A

0930925589

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

C

A

A

A

A

A

0561446869

XXXXXX

NJ

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

B

A

C

A

0561446869

XXXXXX

NJ

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

B

A

C

A

0561446869

XXXXXX

NJ

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

B

A

C

A

0561446869

XXXXXX

NJ

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

B

A

C

A

0960458099

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

B

B

B

B

A

A

A

0960458099

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

B

B

B

B

A

A

A

0960458099

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

B

B

B

B

A

A

A

0180455225

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0963011596

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

0963011596

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

0818556132

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

B

A

A

A

0818556132

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

B

A

A

A

0329381414

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

B

B

D

A

D

A

0329381414

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

B

B

D

A

D

A

0329381414

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

B

B

D

A

D

A

0329381414

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

B

B

D

A

D

A

0277992306

XXXXXX

CO

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

C

B

A

A

0277992306

XXXXXX

CO

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

C

B

A

A

0205206384

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

A

A

A

B

A

A

A

0205206384

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

A

A

A

B

A

A

A

0858231900

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

A

A

A

B

A

A

A

0858231900

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

A

A

A

B

A

A

A

0358391248

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

A

A

0358391248

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

A

A

0358391248

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

A

A

0272340507

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0675703245

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

C

B

A

A

0675703245

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

C

B

A

A

0555771390

XXXXXX

CO

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

C

A

A

A

A

A

0714354368

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0824365596

XXXXXX

MD

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0765442939

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0825424909

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0285148298

XXXXXX

CT

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

D

C

C

C

C

A

D

A

0285148298

XXXXXX

CT

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

D

C

C

C

C

A

D

A

0285148298

XXXXXX

CT

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

D

C

C

C

C

A

D

A

0285148298

XXXXXX

CT

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

D

C

C

C

C

A

D

A

0285148298

XXXXXX

CT

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

D

C

C

C

C

A

D

A

0285148298

XXXXXX

CT

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

D

C

C

C

C

A

D

A

0875088367

XXXXXX

UT

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0049130591

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0904710978

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

C

B

A

A

0904710978

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

C

B

A

A

0437796128

XXXXXX

VA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0008394533

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0568043370

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

B

A

A

A

0568043370

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

B

A

A

A

0568043370

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

B

A

A

A

0344086653

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0949907693

XXXXXX

TN

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0850465990

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0696788799

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

C

A

A

A

A

A

0123760334

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0633280218

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0250454910

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0799906339

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

C

B

A

A

0799906339

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

C

B

A

A

0012466434

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

C

B

A

A

0012466434

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

C

B

A

A

0097948747

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0157245913

XXXXXX

CO

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0644179430

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0929699124

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0348250287

XXXXXX

DC

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0029836935

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0106352761

XXXXXX

DC

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

A

A

0330038584

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

A

A

0330038584

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

A

A

0708092167

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

0969584651

XXXXXX

DC

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0327367784

XXXXXX

MA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0327367784

XXXXXX

MA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0400516704

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0727366194

XXXXXX

MA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0727366194

XXXXXX

MA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0943810048

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

C

A

A

A

0657467883

XXXXXX

CA

QM: GSE Temporary - QM/RP

QM: GSE Temporary - QM/RP

C

A

A

A

A

A

C

A

0893453908

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

D

B

D

A

C

B

D

A

0893453908

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

D

B

D

A

C

B

D

A

0893453908

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

D

B

D

A

C

B

D

A

0893453908

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

D

B

D

A

C

B

D

A

0027618395

XXXXXX

UT

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0819163420

XXXXXX

MD

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

C

B

A

A

0819163420

XXXXXX

MD

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

C

B

A

A

0784847525

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

A

A

0784847525

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

A

A

0405408809

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

D

A

C

B

A

A

0405408809

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

D

A

C

B

A

A

0405408809

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

D

A

C

B

A

A

0738161377

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

A

A

0738161377

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

A

A

0333480713

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0703473453

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0844874525

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

A

A

A

B

A

A

A

0844874525

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

A

A

A

B

A

A

A

0844874525

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

A

A

A

B

A

A

A

0765037886

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

0657966609

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0976648082

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0758359829

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0273809861

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0273809861

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0027940674

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

C

A

D

A

A

A

0027940674

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

C

A

D

A

A

A

0027940674

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

C

A

D

A

A

A

0389200291

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

C

B

A

A

0389200291

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

C

B

A

A

0095090144

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0823071411

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

C

A

C

B

B

A

0823071411

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

C

A

C

B

B

A

0823071411

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

C

A

C

B

B

A

0823071411

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

C

A

C

B

B

A

0721144840

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

A

A

A

B

A

A

A

0721144840

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

A

A

A

B

A

A

A

0894925349

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

C

B

A

A

C

B

A

A

0894925349

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

C

B

A

A

C

B

A

A

0141298780

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0995058223

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0531421981

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0706786042

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

C

B

A

A

C

B

A

A

0706786042

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

C

B

A

A

C

B

A

A

0126289448

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

A

A

A

A

D

A

0891374962

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

C

A

A

A

C

A

A

A

0336020403

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0232760193

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0133677363

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0007795623

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0007795623

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0007795623

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0757327098

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0237281961

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

C

A

0237281961

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

C

A

0237281961

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

C

A

0715988083

XXXXXX

DC

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

0880265115

XXXXXX

UT

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

A

A

A

A

B

B

0547897711

XXXXXX

VA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0707084603

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0142564700

XXXXXX

ID

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

C

A

A

A

0768261197

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0021384649

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0496977099

XXXXXX

NJ

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

C

A

A

A

0496977099

XXXXXX

NJ

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

C

A

A

A

0496977099

XXXXXX

NJ

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

C

A

A

A

0975862117

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0239773350

XXXXXX

MD

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0018249871

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0881697499

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0327239512

XXXXXX

MA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0130544281

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0397337026

XXXXXX

MD

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

C

B

A

A

0397337026

XXXXXX

MD

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

C

B

A

A

0668651576

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0816533443

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0619326148

XXXXXX

VA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0693754264

XXXXXX

DC

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0768047291

XXXXXX

VA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0454939527

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0807205960

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

0144613612

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0111590312

XXXXXX

MD

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0113098186

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

0113098186

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

0113098186

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

0514203848

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0111052866

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0083437480

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0862325390

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

0375813865

XXXXXX

VA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

C

B

A

A

0375813865

XXXXXX

VA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

C

B

A

A

0402715806

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

C

A

C

B

A

A

0402715806

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

C

A

C

B

A

A

0402715806

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

C

A

C

B

A

A

0460665636

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0945942521

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0945942521

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0945942521

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0945942521

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0945942521

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0242688902

XXXXXX

CA

QM: GSE Temporary - QM/RP

QM: GSE Temporary - QM/RP

C

A

C

A

A

A

A

A

0747326820

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

C

A

A

A

A

A

0475813060

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0525523880

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

B

A

A

A

A

B

B

0525523880

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

B

A

A

A

A

B

B

0740264344

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

B

A

A

A

A

B

B

0227515511

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0545076763

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

A

A

0046142574

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0652761504

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

A

A

C

B

0652761504

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

A

A

C

B

0652761504

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

A

A

C

B

0121573025

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0415723703

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

D

A

A

A

B

B

0415723703

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

D

A

A

A

B

B

0014782320

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

B

A

A

A

A

B

B

0121824652

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0033526418

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0888912331

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0888912331

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0617332992

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0955021934

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0038622659

XXXXXX

CO

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0278414636

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0271056797

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

A

A

0938536815

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0836170148

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

A

A

A

B

A

A

A

0668758773

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0981846466

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0048664644

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0982062550

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0162158610

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0162158610

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0918197844

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0188737332

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

B

A

A

A

B

A

A

A

0188737332

XXXXXX

NY

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

B

A

A

A

B

A

A

A

0137045776

XXXXXX

DC

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0571679357

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0567221797

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

C

A

A

A

D

A

0567221797

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

C

A

A

A

D

A

0292673590

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0443369031

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0329133969

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0328015144

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0329706408

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0169759958

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0221882077

XXXXXX

UT

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0754364837

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0536358853

XXXXXX

CO

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

B

B

B

A

A

A

A

0711813703

XXXXXX

DC

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0014838706

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0959102165

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0232361891

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0744639106

XXXXXX

UT

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0631100046

XXXXXX

CA

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

C

C

C

C

A

A

A

A

0631100046

XXXXXX

CA

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

C

C

C

C

A

A

A

A

0631100046

XXXXXX

CA

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

C

C

C

C

A

A

A

A

0631100046

XXXXXX

CA

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

C

C

C

C

A

A

A

A

0104665752

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0414067410

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0414067410

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0432496399

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0432496399

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0648797463

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

A

A

A

A

B

B

0594847162

XXXXXX

MD

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

0446619537

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0917161843

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0178575842

XXXXXX

WA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0634689028

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0419804028

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

A

A

C

B

D

A

0419804028

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

A

A

C

B

D

A

0419804028

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

A

A

C

B

D

A

0419804028

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

A

A

C

B

D

A

0770430927

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

C

A

A

A

A

A

0556596157

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

C

A

A

A

A

A

0765131526

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0781132130

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0781132130

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0781132130

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

D

A

A

A

D

A

0428071336

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0403458178

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

B

A

A

A

A

B

B

0403458178

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

B

B

A

A

A

A

B

B

0336192908

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0082728200

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0345232258

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0130381022

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

A

A

A

A

B

B

0203895893

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0466409569

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0025930914

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

0871293004

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0871293004

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0477746254

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

C

A

A

A

C

A

A

A

0477746254

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

C

A

A

A

C

A

A

A

0923644806

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0433542669

XXXXXX

MA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0058951912

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

A

A

0799341089

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

A

A

0237686792

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0966813293

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

C

B

A

A

0966813293

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

C

B

A

A

0720960825

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0337811806

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0687185214

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0072833270

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0156111422

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

C

A

0156111422

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

C

A

0156111422

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

C

A

0156111422

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

C

A

0156111422

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

A

A

C

A

C

A

0991500500

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0850707507

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

C

B

A

A

0850707507

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

C

B

A

A

0850707507

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

C

B

A

A

0824295564

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0059604827

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

0059604827

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

0627515435

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0848207826

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0310388995

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0923678122

XXXXXX

VA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0173168900

XXXXXX

DC

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0208473851

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0391337768

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0050585954

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0529669985

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0678451157

XXXXXX

DC

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0334437324

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

0334437324

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

0334437324

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

0992198396

XXXXXX

UT

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0985309541

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0629286718

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0423150602

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

0740519320

XXXXXX

VA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0382041256

XXXXXX

VA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

A

A

A

A

B

B

0246546879

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

A

A

A

A

B

B

0711664385

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

0711664385

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

0711664385

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

0169686108

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0665222452

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0022698936

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0518706050

XXXXXX

MD

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0695787451

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0867777388

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0452152339

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

0452152339

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

0612917914

XXXXXX

MA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0862067344

XXXXXX

NJ

QM: GSE Temporary - QM/SH

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0393502836

XXXXXX

DC

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

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
0782417120	B	B	B	B	A	A	A	A	Credit	Application	Active
0403089529	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0715911134	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0475940272	B	B	B	B	B	A	A	A	Credit	Application	Active
0475940272	B	B	B	B	B	A	A	A	Property Valuations	FEMA	Satisfied
0710123293	B	A	A	A	B	A	A	A	Property Valuations	FEMA	Satisfied
0630398836	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0623412589	C	B	B	B	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0623412589	C	B	B	B	C	A	A	A	Credit	Application	Active
0623412589	C	B	B	B	C	A	A	A	Property Valuations	FEMA	Satisfied
0445151170	C	A	C	A	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0445151170	C	A	C	A	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0445151170	C	A	C	A	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0445151170	C	A	C	A	A	A	C	A	Credit	Insurance	Satisfied
0354538577	C	A	C	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0354538577	C	A	C	A	A	A	A	A	Credit	Insurance	Satisfied
0214102677	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0214102677	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0908007770	B	A	A	A	B	A	A	A	Property Valuations	FEMA	Satisfied
0449703649	C	B	B	B	C	A	A	A	Credit	Application	Active
0449703649	C	B	B	B	C	A	A	A	Property Valuations	FEMA	Satisfied
0637983431	D	A	D	A	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0637983431	D	A	D	A	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0637983431	D	A	D	A	A	A	D	A	Credit	Credit/Mtg History	Satisfied
0858385150	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0378927436	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0384237712	B	A	A	A	B	A	A	A	Property Valuations	FEMA	Satisfied
0630592390	C	A	A	A	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0630592390	C	A	A	A	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0630592390	C	A	A	A	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0055409414	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0159950521	A	A	A	A	A	A	A	A
0930925589	C	A	C	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0930925589	C	A	C	A	A	A	A	A	Credit	Insurance	Satisfied
0561446869	C	A	A	A	B	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0561446869	C	A	A	A	B	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0561446869	C	A	A	A	B	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0561446869	C	A	A	A	B	A	C	A	Property Valuations	FEMA	Satisfied
0960458099	B	B	B	B	B	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0960458099	B	B	B	B	B	A	A	A	Credit	Application	Active
0960458099	B	B	B	B	B	A	A	A	Property Valuations	FEMA	Satisfied
0180455225	A	A	A	A	A	A	A	A
0963011596	C	A	C	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0963011596	C	A	C	A	A	A	A	A	Credit	Credit/Mtg History	Satisfied
0818556132	D	A	D	A	B	A	A	A	Credit	Terms/Guidelines	Satisfied
0818556132	D	A	D	A	B	A	A	A	Property Valuations	FEMA	Satisfied
0329381414	D	B	B	B	D	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0329381414	D	B	B	B	D	A	D	A	Credit	Application	Active
0329381414	D	B	B	B	D	A	D	A	Credit	Income/Employment	Satisfied
0329381414	D	B	B	B	D	A	D	A	Property Valuations	Appraisal	Satisfied
0277992306	C	A	A	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0277992306	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0205206384	B	A	A	A	B	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0205206384	B	A	A	A	B	A	A	A	Property Valuations	FEMA	Satisfied
0858231900	B	A	A	A	B	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0858231900	B	A	A	A	B	A	A	A	Property Valuations	FEMA	Satisfied
0358391248	C	A	A	A	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0358391248	C	A	A	A	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0358391248	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0272340507	A	A	A	A	A	A	A	A
0675703245	C	A	A	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0675703245	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0555771390	C	A	C	A	A	A	A	A	Credit	Insurance	Satisfied
0714354368	A	A	A	A	A	A	A	A
0824365596	A	A	A	A	A	A	A	A
0765442939	A	A	A	A	A	A	A	A
0825424909	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0285148298	D	C	C	C	C	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0285148298	D	C	C	C	C	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0285148298	D	C	C	C	C	A	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0285148298	D	C	C	C	C	A	D	A	Credit	Ability to Repay/Qualified Mortgage	Active
0285148298	D	C	C	C	C	A	D	A	Credit	DTI	Active
0285148298	D	C	C	C	C	A	D	A	Property Valuations	FEMA	Satisfied
0875088367	A	A	A	A	A	A	A	A
0049130591	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0904710978	C	A	A	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0904710978	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0437796128	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0008394533	A	A	A	A	A	A	A	A
0568043370	D	A	D	A	B	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0568043370	D	A	D	A	B	A	A	A	Credit	Insurance	Satisfied
0568043370	D	A	D	A	B	A	A	A	Property Valuations	FEMA	Satisfied
0344086653	A	A	A	A	A	A	A	A
0949907693	A	A	A	A	A	A	A	A
0850465990	A	A	A	A	A	A	A	A
0696788799	C	A	C	A	A	A	A	A	Credit	Insurance	Satisfied
0123760334	A	A	A	A	A	A	A	A
0633280218	A	A	A	A	A	A	A	A
0250454910	A	A	A	A	A	A	A	A
0799906339	C	A	A	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0799906339	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0012466434	C	A	A	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0012466434	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0097948747	A	A	A	A	A	A	A	A
0157245913	A	A	A	A	A	A	A	A
0644179430	A	A	A	A	A	A	A	A
0929699124	A	A	A	A	A	A	A	A
0348250287	A	A	A	A	A	A	A	A
0029836935	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0106352761	C	A	A	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0330038584	C	A	A	A	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0330038584	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0708092167	D	A	D	A	A	A	A	A	Credit	Insurance	Satisfied
0969584651	A	A	A	A	A	A	A	A
0327367784	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0327367784	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0400516704	A	A	A	A	A	A	A	A
0727366194	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0727366194	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0943810048	C	A	A	A	C	A	A	A	Property Valuations	Property	Satisfied
0657467883	C	A	A	A	A	A	C	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0893453908	D	A	D	A	C	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0893453908	D	A	D	A	C	A	D	A	Credit	Legal Documents	Satisfied
0893453908	D	A	D	A	C	A	D	A	Property Valuations	Appraisal	Satisfied
0893453908	D	A	D	A	C	A	D	A	Property Valuations	FEMA	Satisfied
0027618395	A	A	A	A	A	A	A	A
0819163420	C	A	A	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0819163420	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0784847525	D	A	D	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0784847525	D	A	D	A	A	A	A	A	Credit	Application	Satisfied
0405408809	D	A	D	A	C	A	A	A	Credit	Insurance	Satisfied
0405408809	D	A	D	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0405408809	D	A	D	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0738161377	D	A	D	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0738161377	D	A	D	A	A	A	A	A	Credit	Legal Documents	Satisfied
0333480713	A	A	A	A	A	A	A	A
0703473453	A	A	A	A	A	A	A	A
0844874525	B	A	A	A	B	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0844874525	B	A	A	A	B	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0844874525	B	A	A	A	B	A	A	A	Property Valuations	FEMA	Satisfied
0765037886	D	A	D	A	A	A	A	A	Credit	Application	Satisfied
0657966609	A	A	A	A	A	A	A	A
0976648082	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0758359829	A	A	A	A	A	A	A	A
0273809861	D	A	D	A	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0273809861	D	A	D	A	A	A	D	A	Credit	DTI	Satisfied
0027940674	D	A	C	A	D	A	A	A	Credit	Insurance	Satisfied
0027940674	D	A	C	A	D	A	A	A	Property Valuations	Appraisal	Satisfied
0027940674	D	A	C	A	D	A	A	A	Property Valuations	Appraisal	Satisfied
0389200291	C	A	A	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0389200291	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0095090144	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0823071411	C	A	C	A	C	A	B	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0823071411	C	A	C	A	C	A	B	A	Credit	Insurance	Satisfied
0823071411	C	A	C	A	C	A	B	A	Property Valuations	Appraisal	Satisfied
0823071411	C	A	C	A	C	A	B	A	Property Valuations	FEMA	Satisfied
0721144840	B	A	A	A	B	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0721144840	B	A	A	A	B	A	A	A	Property Valuations	FEMA	Satisfied
0894925349	C	A	A	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0894925349	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0141298780	A	A	A	A	A	A	A	A
0995058223	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0531421981	A	A	A	A	A	A	A	A
0706786042	C	B	A	A	C	B	A	A	Property Valuations	Appraisal	Satisfied
0706786042	C	B	A	A	C	B	A	A	Property Valuations	FEMA	Satisfied
0126289448	D	A	A	A	A	A	D	A	Compliance	Documentation	Satisfied
0891374962	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0336020403	A	A	A	A	A	A	A	A
0232760193	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0133677363	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0007795623	D	A	D	A	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0007795623	D	A	D	A	A	A	D	A	Credit	Assets	Satisfied
0007795623	D	A	D	A	A	A	D	A	Credit	Legal Documents	Satisfied
0757327098	A	A	A	A	A	A	A	A
0237281961	C	A	C	A	A	A	C	A	Compliance	RESPA	Satisfied
0237281961	C	A	C	A	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0237281961	C	A	C	A	A	A	C	A	Credit	Income/Employment	Satisfied
0715988083	D	A	D	A	A	A	A	A	Credit	Income/Employment	Satisfied
0880265115	B	B	A	A	A	A	B	B	Compliance	RESPA	Active
0547897711	A	A	A	A	A	A	A	A
0707084603	A	A	A	A	A	A	A	A
0142564700	C	A	A	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0768261197	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0021384649	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0496977099	C	A	C	A	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0496977099	C	A	C	A	C	A	A	A	Credit	DTI	Satisfied
0496977099	C	A	C	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0975862117	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0239773350	A	A	A	A	A	A	A	A
0018249871	A	A	A	A	A	A	A	A
0881697499	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0327239512	A	A	A	A	A	A	A	A
0130544281	A	A	A	A	A	A	A	A
0397337026	C	A	A	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0397337026	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0668651576	A	A	A	A	A	A	A	A
0816533443	A	A	A	A	A	A	A	A
0619326148	A	A	A	A	A	A	A	A
0693754264	A	A	A	A	A	A	A	A
0768047291	A	A	A	A	A	A	A	A
0454939527	A	A	A	A	A	A	A	A
0807205960	C	A	C	A	A	A	A	A	Credit	Insurance	Satisfied
0144613612	A	A	A	A	A	A	A	A
0111590312	A	A	A	A	A	A	A	A
0113098186	C	A	C	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0113098186	C	A	C	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0113098186	C	A	C	A	A	A	A	A	Credit	Title	Satisfied
0514203848	A	A	A	A	A	A	A	A
0111052866	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0083437480	A	A	A	A	A	A	A	A
0862325390	D	A	D	A	A	A	A	A	Credit	Income/Employment	Satisfied
0375813865	C	A	A	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0375813865	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0402715806	C	A	C	A	C	A	A	A	Credit	Insurance	Satisfied
0402715806	C	A	C	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0402715806	C	A	C	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0460665636	A	A	A	A	A	A	A	A
0945942521	D	A	D	A	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0945942521	D	A	D	A	A	A	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0945942521	D	A	D	A	A	A	D	A	Credit	Application	Satisfied
0945942521	D	A	D	A	A	A	D	A	Credit	Income/Employment	Satisfied
0945942521	D	A	D	A	A	A	D	A	Credit	Insurance	Satisfied
0242688902	C	A	C	A	A	A	A	A	Credit	Insurance	Satisfied
0747326820	C	A	C	A	A	A	A	A	Credit	LTV/CLTV	Satisfied
0475813060	A	A	A	A	A	A	A	A
0525523880	B	B	A	A	A	A	B	B	Compliance	RESPA	Active
0525523880	B	B	A	A	A	A	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0740264344	B	B	A	A	A	A	B	B	Compliance	Right of Rescission	Active
0227515511	A	A	A	A	A	A	A	A
0545076763	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0046142574	A	A	A	A	A	A	A	A
0652761504	C	B	A	A	A	A	C	B	Compliance	Finance Charge Tolerance	Satisfied
0652761504	C	B	A	A	A	A	C	B	Compliance	Finance Charge Tolerance	Satisfied
0652761504	C	B	A	A	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0121573025	A	A	A	A	A	A	A	A
0415723703	D	B	D	A	A	A	B	B	Compliance	RESPA	Active
0415723703	D	B	D	A	A	A	B	B	Credit	Insurance	Satisfied
0014782320	B	B	A	A	A	A	B	B	Compliance	Right of Rescission	Active
0121824652	A	A	A	A	A	A	A	A
0033526418	A	A	A	A	A	A	A	A
0888912331	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0888912331	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0617332992	A	A	A	A	A	A	A	A
0955021934	A	A	A	A	A	A	A	A
0038622659	A	A	A	A	A	A	A	A
0278414636	A	A	A	A	A	A	A	A
0271056797	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0938536815	A	A	A	A	A	A	A	A
0836170148	B	A	A	A	B	A	A	A	Property Valuations	FEMA	Satisfied
0668758773	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0981846466	A	A	A	A	A	A	A	A
0048664644	A	A	A	A	A	A	A	A
0982062550	A	A	A	A	A	A	A	A
0162158610	D	A	D	A	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0162158610	D	A	D	A	A	A	D	A	Credit	Income/Employment	Satisfied
0918197844	A	A	A	A	A	A	A	A
0188737332	B	A	A	A	B	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0188737332	B	A	A	A	B	A	A	A	Property Valuations	FEMA	Satisfied
0137045776	A	A	A	A	A	A	A	A
0571679357	A	A	A	A	A	A	A	A
0567221797	D	A	C	A	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0567221797	D	A	C	A	A	A	D	A	Credit	Income/Employment	Satisfied
0292673590	A	A	A	A	A	A	A	A
0443369031	A	A	A	A	A	A	A	A
0329133969	A	A	A	A	A	A	A	A
0328015144	A	A	A	A	A	A	A	A
0329706408	A	A	A	A	A	A	A	A
0169759958	A	A	A	A	A	A	A	A
0221882077	A	A	A	A	A	A	A	A
0754364837	A	A	A	A	A	A	A	A
0536358853	B	B	B	B	A	A	A	A	Credit	Application	Active
0711813703	A	A	A	A	A	A	A	A
0014838706	A	A	A	A	A	A	A	A
0959102165	A	A	A	A	A	A	A	A
0232361891	A	A	A	A	A	A	A	A
0744639106	A	A	A	A	A	A	A	A
0631100046	C	C	C	C	A	A	A	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0631100046	C	C	C	C	A	A	A	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0631100046	C	C	C	C	A	A	A	A	Credit	Ability to Repay/Qualified Mortgage	Active
0631100046	C	C	C	C	A	A	A	A	Credit	DTI	Active
0104665752	A	A	A	A	A	A	A	A
0414067410	D	A	D	A	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0414067410	D	A	D	A	A	A	D	A	Credit	DTI	Satisfied
0432496399	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0432496399	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0648797463	B	B	A	A	A	A	B	B	Compliance	RESPA	Active
0594847162	C	B	A	A	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0446619537	A	A	A	A	A	A	A	A
0917161843	A	A	A	A	A	A	A	A
0178575842	A	A	A	A	A	A	A	A
0634689028	A	A	A	A	A	A	A	A
0419804028	D	A	A	A	C	A	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0419804028	D	A	A	A	C	A	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0419804028	D	A	A	A	C	A	D	A	Property Valuations	Appraisal	Satisfied
0419804028	D	A	A	A	C	A	D	A	Property Valuations	FEMA	Satisfied
0770430927	C	A	C	A	A	A	A	A	Credit	Insurance	Satisfied
0556596157	C	A	C	A	A	A	A	A	Credit	Income/Employment	Satisfied
0765131526	A	A	A	A	A	A	A	A
0781132130	D	A	D	A	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0781132130	D	A	D	A	A	A	D	A	Credit	Application	Satisfied
0781132130	D	A	D	A	A	A	D	A	Credit	Income/Employment	Satisfied
0428071336	A	A	A	A	A	A	A	A
0403458178	B	B	A	A	A	A	B	B	Compliance	RESPA	Active
0403458178	B	B	A	A	A	A	B	B	Compliance	RESPA	Active
0336192908	A	A	A	A	A	A	A	A
0082728200	A	A	A	A	A	A	A	A
0345232258	A	A	A	A	A	A	A	A
0130381022	B	B	A	A	A	A	B	B	Compliance	RESPA	Active
0203895893	A	A	A	A	A	A	A	A
0466409569	A	A	A	A	A	A	A	A
0025930914	C	B	A	A	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0871293004	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0871293004	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0477746254	C	A	A	A	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0477746254	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0923644806	A	A	A	A	A	A	A	A
0433542669	A	A	A	A	A	A	A	A
0058951912	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0799341089	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0237686792	A	A	A	A	A	A	A	A
0966813293	C	A	A	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0966813293	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0720960825	A	A	A	A	A	A	A	A
0337811806	A	A	A	A	A	A	A	A
0687185214	A	A	A	A	A	A	A	A
0072833270	A	A	A	A	A	A	A	A
0156111422	C	A	A	A	C	A	C	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0156111422	C	A	A	A	C	A	C	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0156111422	C	A	A	A	C	A	C	A	Compliance	Federal Higher-Priced	Satisfied
0156111422	C	A	A	A	C	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0156111422	C	A	A	A	C	A	C	A	Property Valuations	FEMA	Satisfied
0991500500	A	A	A	A	A	A	A	A
0850707507	C	A	A	A	C	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0850707507	C	A	A	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0850707507	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0824295564	A	A	A	A	A	A	A	A
0059604827	C	A	A	A	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0059604827	C	A	A	A	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0627515435	A	A	A	A	A	A	A	A
0848207826	A	A	A	A	A	A	A	A
0310388995	A	A	A	A	A	A	A	A
0923678122	A	A	A	A	A	A	A	A
0173168900	A	A	A	A	A	A	A	A
0208473851	A	A	A	A	A	A	A	A
0391337768	A	A	A	A	A	A	A	A
0050585954	A	A	A	A	A	A	A	A
0529669985	A	A	A	A	A	A	A	A
0678451157	A	A	A	A	A	A	A	A
0334437324	D	A	C	A	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0334437324	D	A	C	A	A	A	D	A	Credit	DTI	Satisfied
0334437324	D	A	C	A	A	A	D	A	Credit	Income/Employment	Satisfied
0992198396	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0985309541	A	A	A	A	A	A	A	A
0629286718	A	A	A	A	A	A	A	A
0423150602	C	B	A	A	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0740519320	A	A	A	A	A	A	A	A
0382041256	B	B	A	A	A	A	B	B	Compliance	Federal Consumer Protection	Active
0246546879	B	B	A	A	A	A	B	B	Compliance	Right of Rescission	Active
0711664385	C	A	C	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0711664385	C	A	C	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0711664385	C	A	C	A	A	A	A	A	Credit	DTI	Satisfied
0169686108	A	A	A	A	A	A	A	A
0665222452	A	A	A	A	A	A	A	A
0022698936	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0518706050	A	A	A	A	A	A	A	A
0695787451	A	A	A	A	A	A	A	A
0867777388	A	A	A	A	A	A	A	A
0452152339	C	B	A	A	A	A	C	B	Compliance	Finance Charge Tolerance	Satisfied
0452152339	C	B	A	A	A	A	C	B	Compliance	Finance Charge Tolerance	Satisfied
0612917914	A	A	A	A	A	A	A	A
0862067344	A	A	A	A	A	A	A	A
0393502836	A	A	A	A	A	A	A	A

Alt Loan Number	Initial Securitization Condition Grade	Final Securitization Condition Grade	Initial S&P Condition Grade	Final S&P Condition Grade	Condition Code	Condition Description	Condition Material Indicator	Initial Comments	Client/Seller Response Comments
0782417120	B	B	B	B	CRDAPP5430	FNMA Application Form is Outdated	No	The lender used XXX form 1003 XXX. Form type 2021 required.	(No Data)
0403089529	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	No subsequent inspection since appraisal of XXX; Closing date/Note Date XXX; FEMA declaration date XXX and  effective date of XXX. Note date XXX.	12/29/21 PDI received.
0715911134	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)
0475940272	B	B	B	B	CRDAPP5430	FNMA Application Form is Outdated	No	XXX Application Form is 1003 XXX dated XXX. Estimated LE's in file date XXX. New construction loan.	(No Data)
0475940272	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	Missing PDI for FEMA disaster Declaration #XXX dated XXX, Effective XXX for XXX. Appraisal dated XXX prior to FEMA disaster. AUS dated: XXX.	12/29/21 PDI received.
0710123293	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA Declaration date XXX; effective date XXX. Note date XXX.	12/29/21 PDI received.
0630398836	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)
0623412589	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)
0623412589	B	B	B	B	CRDAPP5430	FNMA Application Form is Outdated	No	Initial XXX form was dated XXX, Updated XXX form in file dated XXX. Note date XXX.	(No Data)
0623412589	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	FEMA declaration date is XXX, effective date of XXX due to XXX.  Declaration #XXX.  Appraisal date XXX and the Transaction date XXX, a subsequent inspection is required. Note date XXX.	12/29/21 PDI received.
0445151170	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)
0445151170	C	A	C	A	CMPTRID3618	TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing	No	Missing confirmation of date of receipt for CD XXX	12/10/21 - Client provided CD date of receipt.
0445151170	C	A	C	A	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period	No	Missing confirmation of date of receipt for CD XXX	12/10/21 - Client provided Cd date of receipt.
0445151170	C	A	C	A	CRDINSR289	Insufficient Hazard Insurance Coverage	No	$XXX total dwelling coverage per Hazard policy in file including the 20% extended coverage. Note amount is $XXX	12/09/21:  Insurance is sufficient. Evidence of current hazard insurance reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. XXX Escrow (Hazard Insurance) page attached for subject property.
0354538577	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)
0354538577	C	A	C	A	CRDINSR289	Insufficient Hazard Insurance Coverage	No	Hazard policy shows extended coverage but does not give a %. $XXX dwelling coverage per Hazard policy. $XXX required for coverage. Insufficient Hazard amount.	12/09/2021 - Insurance is sufficient. Evidence of current hazard insurance reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. XXX Escrow (Hazard Insurance) page attached for subject property.
0214102677	A	A	A	A	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)
0214102677	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)
0908007770	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster XXX; Note dated XXX	12/29/21 PDI received.
0449703649	B	B	B	B	CRDAPP5430	FNMA Application Form is Outdated	No	The lender used form 1003 effective XXX. App date XXX.	(No Data)
0449703649	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	No subsequent inspection since appraisal of XXX; Closing date/Note Date XXX; FEMA declaration date XXX and effective date of XXX XXX Note date XXX.	12/29/21 PDI received.
0637983431	C	A	C	A	CMPATRQM2910	TIL Covered Transaction-PPP prohibited as not otherwise legal	No	PPP prohibited.	12/21/2021 - Client provided complete a credit report for the borrowers with credit scores.
0637983431	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 the credit report.	12/21/2021 - Client provided complete a credit report for the borrowers with credit scores.
0637983431	D	A	D	A	CRDCRMH189	Missing credit report	No	Credit report is not available in file.	12/21/2021 - Client provided complete a credit report for the borrowers with credit scores.
0858385150	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)
0378927436	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)
0384237712	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	FEMA Declaration date XXX; Effective date XXX. Appraisal dated XXX. Clayton to order PDI.	01/10/22: PDI received showing no damage.
0630592390	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	12/8/21 - Client provided corrected seller fees.
0630592390	C	A	C	A	CMPTRID3618	TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing	No	Missing verification of date of receipt for Initial CD XXX	Disagree: CD#XXX was eDelivered on XXX. CD#XXX was opened and acknowledged by the borrower on XXX. XXX considers this the same as in hand delivery and meets timing for closing on XXX. This is not a testing defect so no corrective action required.
0630592390	C	A	C	A	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period	No	Missing verification of date of receipt for Initial CD XXX	Disagree: CD#XXX was eDelivered on XXX. CD#XXX was opened and acknowledged by the borrower on XXX. XXX considers this the same as in hand delivery and meets timing for closing on XXX. There was no change in product or product feature prior to closing. This is not a testing defect so no corrective action required.
0055409414	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)
0159950521
0930925589	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)
0930925589	C	A	C	A	CRDINSR289	Insufficient Hazard Insurance Coverage	No	XXX Hazard dwelling coverage includes 50% extended coverage. Loan amount is XXX and appraisal value is XXX. Cost to rebuild subject property is unknown per appraisal.	12/09/2021 - Client provided HOI shows sufficient replacement cost.
0561446869	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.	12/8/21 - Client provided corrected seller fees.
0561446869	C	A	C	A	CMPTRID3618	TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing	No	Missing verifications of dates of receipt for Initial CD XXX and revised CD XXX	Disagree: CD#XXX was eDelivered on XXX. CD#XXX was opened and acknowledged by the borrower on XXX. XXX considers this the same as in hand delivery and meets timing for closing on XXX. There was no change in product or product feature prior to closing. CD#XXX was eDelivered on XXX. CD#XXX was opened and acknowledged by the borrower on XXX. This is not a testing defect so no corrective action required.
0561446869	C	A	C	A	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period	No	Missing verifications of dates of receipt for Initial CD XXX and revised CD XXX	Disagree: CD#XXX was eDelivered on XXX. CD#XXX was opened and acknowledged by the borrower on XXX. XXX considers this the same as in hand delivery and meets timing for closing on XXX. This is not a testing defect so no corrective action required.
0561446869	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster XXX, Note date XXX.	12/29/21 PDI received.
0960458099	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)
0960458099	B	B	B	B	CRDAPP5430	FNMA Application Form is Outdated	No	Application form 1003 effective XXX was used by the lender.	(No Data)
0960458099	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No subsequent inspection since appraisal of XXX; Closing date/Note Date XXX; FEMA declaration date XXX and  effective date of XXXX XXX. Note date XXX.	12/29/21 PDI received.
0180455225
0963011596	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)
0963011596	C	A	C	A	CRDCRMH2662	Number of mortgaged properties exceeds guideline limit	No	Borrower has 5 property with mortgages per credit report in file.	12/09/2021 - Client provided response - Number of financed properties does not exceed Agency guideline limit. No increased authority was required.
0818556132	D	A	D	A	CRDTER2548	Missing AUS or AUS errors present	No	Missing AUS.	12/19/2021 - Client provided a final DU AUS.
0818556132	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	FEMA Disaster declaration date XXX; Effective XXX; XXX.  Appraisal dated XXX. PDI not in file. Clayton to order PDI. Note date XXX.	12/29/21 PDI received.
0329381414	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	Provide VVOE from both of borrowers employers dated within 10 business days of closing on XXX. (XXX and XXX). VVOE's are dated XXX	12/9/2021 - Client provided VVOE's dated XXX for XXX and XXX; within 10 business days of closing.
0329381414	B	B	B	B	CRDAPP5430	FNMA Application Form is Outdated	No	1003 Form provided is Effective XXX. App date is XXX.	(No Data)
0329381414	B	A	B	A	CRDINC2496	Verbal verification of employment completed outside the stated requirements and/or after closing/funding	No	Provide VVOE from both of borrowers employers dated within 10 business days of closing on XXX. (XXX and XXX). VVOE's are dated XXX	12/9/2021 - Client provided VVOE's dated XXX for XXX and XXX; within 10 business days of closing.
0329381414	D	A	D	A	PRVAAPPR237	Appraisal is stale dated without recertification in file	No	Provide updated appraisal or recert of value.Appraisal is dated XXX	12/9/2021 - Client provided a 442 completion cert dated XXX with a XXX value.
0277992306	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	Loan was qualified with PIW. BPO in file.	12/14/21: BPO Provided.
0277992306	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	No inspection since FEMA disaster XXX; Note date XXX.	12/29/21 PDI received.
0205206384	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)
0205206384	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster XXX. Note date XXX.	12/29/21 PDI received.
0858231900	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)
0858231900	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	Missing Post Disaster Inspection.  FEMA declaration date XXX; Appraisal dated XXX Note date XXX.	12/29/21 PDI received.
0358391248	A	A	A	A	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)
0358391248	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)
0358391248	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	FEMA dec date: XXX. Effective date:XXX. Provide PDI disaster report to evidence no damage. Note date XXX.	12/29/21 PDI received.
0272340507
0675703245	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	Loan was qualified with PIW. BPO needed.	12/14/21: BPO Provided.
0675703245	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster XXX. Note date XXX.	12/29/21 PDI received.
0555771390	C	A	C	A	CRDINSR289	Insufficient Hazard Insurance Coverage	No	File is missing condo HOI master policy.	12/14/2021 - Client provided a condo master insurance policy for the subject property.
0714354368
0824365596
0765442939
0825424909	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)
0285148298	C	A	C	A	CMPATRQM2900	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination.	No	Clayton status is Non-QM. Initial lender status is QM.	01/27/22: Lender agrees with Clayton Non-QM status
0285148298	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 final DU AUS. AUS approved at 38.07% back-end DTI per AUS in file; Review DTI 41.3% exceeds 3% tolerance variance allowed. Difference is due to 2nd home mortgage PITI of $1,488/month per CBR; lender used $1,008.08 per 1003.	01/27/22: Client confirms no new docs to be provided. Requested QM status
0285148298	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)
0285148298	B	B	B	B	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Lender agrees with Clayton Non-QM status	(No Data)
0285148298	C	C	C	C	CRDDTI105	Debt Ratio Exception 5% or Less	Yes	AUS approved at 38.07% back-end DTI; Review DTI 41.3% exceeds 3% tolerance variance allowed. Difference is due to 2nd home mortgage PITI of $1,488/month per CBR; lender used $1,008.08 per 1003.	12/13/2021 - Client provided response 'Agree DTI should be 41.30% as full PITI of $1488mo wasn't used for 2nd home. Loan still salable as the max DTI allowed is 45%.'
0285148298	C	A	C	A	PRVAFEMA217	Natural Disaster Area, no subsequent inspection (Individual)	No	No inspection since FEMA disaster XXX, Note date XXX.	12/29/21 PDI received.
0875088367
0049130591	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)
0904710978	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	Loan was qualified with PIW. BPO in file.	12/14/21: BPO Provided.
0904710978	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster XXX; Note date XXX.	12/29/21 PDI received.
0437796128	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)
0008394533
0568043370	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)
0568043370	D	A	D	A	CRDINSR3278	Hazard Insurance documentation in file is incomplete	No	Hazard Insurance binder in file is for XXX.	12/21/2021 - Client provided a condo master Hazard policy on subject property.
0568043370	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA Declaration date XXX; Effective XXX.  Appraisal date XXX. Note date XXX.	12/29/21 PDI received.
0344086653
0949907693
0850465990
0696788799	C	A	C	A	CRDINSR5351	Insurance Effective date is greater than the transaction date	No	The Hazard effective date is XXX. Note date is XXX.	12/13/2021 - Client sent response 'Loan transaction is a refinance of an existing XXX XXX. Loan was Streamline Ins0urance Review eligible. Hazard insurance was adequate and losses to the dwelling will be paid on a replacement cost basis.'
0123760334
0633280218
0250454910
0799906339	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	Loan was qualified with PIW. BPO in file.	12/14/21: BPO Provided.
0799906339	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster XXX; Note date XXX.	12/29/21 PDI received.
0012466434	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	Loan was qualified with PIW. BPO in file.	12/14/21: BPO Provided.
0012466434	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster XXX; Note date XXX.	12/29/21 PDI received.
0097948747
0157245913
0644179430
0929699124
0348250287
0029836935	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)
0106352761	C	A	C	A	PRVAAPPR171	Subject Photos Unacceptable	No	Appraisal is missing photos of Basement, first floor Dining Room and Office, 2nd floor Bedroom's (3), 3rd floor Den.	12/9/2021 - Client provided underwriting notes showing loan was OPUS approved. CU 2.3 reduced review. No obsolescence, adverse conditions. or safety/environmental concerns noted. Neighborhood in stable market and favorable. Property and improvements in good condition. Minimal distances for comps.
0330038584	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)
0330038584	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	No inspection since FEMAS disaster XXX; Note date XXX.	12/29/21 PDI received.
0708092167	D	A	D	A	CRDINSR848	Missing Hazard Insurance	No	Missing homeowner's insurance Hazard policy binder.	12/09/2021 - Loan qualified for a Streamline Hazard insurance review, see attached Hazard insurance information.
0969584651
0327367784	A	A	A	A	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)
0327367784	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)
0400516704
0727366194	A	A	A	A	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)
0727366194	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)
0943810048	C	A	C	A	PRVAPROP177	Property Issues Indicated	No	Submit 1004D evidencing Water Heater has been strapped (Health & Safety Issue)	12/23/2021 - Client responded 'The appraiser does comment the water heater was not double strapped with a cost to cure $200. No 1004D was required. The subject property was appraised "as is" with no subject to repairs or requirements. The property was XXX approved for Conventional financing with no outstanding conditions.'
0657467883	C	A	C	A	CMPATRQM2900	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination.	No	Clayton's status QM GSE Temporary - QM/RP, Lenders status QM GSE Temporary - QM/XXX.  Compliance review shows violation of QM Higher Priced Covered Threshold. Variance exceeds tolerance by 1.794%	12/21/2021 - Client responded 'Disagree: Per the XXX Selling guide, "Single-closing construction-to-permanent loans with application dates prior to Jul. 1, 2021 that meet the QM Patch requirements and do not meet Revised QM eligibility can be purchased/ securitized until XXX." Application date was XXX. Loan is eligible for rebuttable presumption of compliance utilizing 225 basis points over prime rate of 2.93: 4.784  (2.93 + 2.25) = -0.396 below threshold. No corrective action required. Documents attached.' Client provided proof of application date XX. 12/21/2021 - Client agrees to QM status of Rebuttable Presumption. Internal compliance department contacted for further review. 12/21/21: Per CompNow Client Profile Summary on pg 944 reflects lender agreement of RP.
0893453908	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	The subordination agreement For XXX is missing from file.	12/16/2021 - Client provided a subordination agreement for junior lien of XXX on subject property.
0893453908	D	A	D	A	CRDLGL140	Missing subordination agreement for existing junior lien	No	The subordination agreement For XXX is missing from file.	12/16/2021 - Client provided a subordination agreement for junior lien of XXX on subject property.
0893453908	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	Loan was qualified with PIW. BPO in file.	12/14/21: BPO Provided.
0893453908	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster XXX, Note date XXX.	12/29/21 PDI received.
0027618395
0819163420	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	Loan was qualified with PIW. BPO in file.	12/14/21: BPO Provided.
0819163420	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster XXX; Note date XXX.	12/29/21 PDI received.
0784847525	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)
0784847525	D	A	D	A	CRDAPP3822	Missing or incomplete documentation related to citizenship/residency	No	The borrower's proof of non-permanent resident ID/Work VISA, is missing.	12/09/2021 - Client provided proof of I-797A, for non-perm resident.
0405408809	D	A	D	A	CRDINSR848	Missing Hazard Insurance	No	Missing Homeowners insurance Hazard declaration page or lender print out verifying homeowners insurance coverage on subject property.	12/13/2021 - Client provided an insurance print-out with GRC.
0405408809	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	Loan was qualified with PIW. BPO in file.	12/14/21: BPO Provided.
0405408809	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster XXX; Note date XXX.	12/29/21 PDI received.
0738161377	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)
0738161377	D	A	D	A	CRDLGL4033	Missing Legal Document(s)	No	Missing Purchase Sales Contract and Condo questionnaire.	12/16/2021 - Client provided the purchase contract and streamline project review.
0333480713
0703473453
0844874525	A	A	A	A	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)
0844874525	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)
0844874525	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No subsequent inspection since appraisal of XXX; Closing date/Note Date XXX; FEMA declaration date XXX. Note date XXX.	12/29/21 PDI received.
0765037886	D	A	D	A	CRDAPP3822	Missing or incomplete documentation related to citizenship/residency	No	Borrower is a permanent resident alien. No proof in file. Provide front and back of ID Green Card.	12/15/2021 - Client provided the permanent resident ID card.
0657966609
0976648082	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)
0758359829
0273809861	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 verification of HOI for REO property. SCH E in file does not show amount.	12/13/2021 - Client provided a REO PITI print-out for property at XXX showing HOI monthly payment of $73.08.
0273809861	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing the HOI (line 9) on the 2019 Schedule E for rental income calculation.	12/13/2021 - Client provided a REO PITI print-out for property at XXX  showing HOI monthly payment of $73.08.
0027940674	C	A	C	A	CRDINSR289	Insufficient Hazard Insurance Coverage	No	Dwelling coverage $XXX dwelling coverage. Note amount is XXX.	12/16/2021 - Client provided an insurance print out showing sufficient dwelling coverage on subject property.
0027940674	D	A	D	A	PRVAAPPR101	Appraisal incomplete (missing map, layout, pages, etc)	No	File contains only pages 1 and 2 of appraisal, missing complete appraisal and photos.	12/16/2021 - Client provided a complete appraisal with photos and license.
0027940674	D	A	D	A	PRVAAPPR284	Appraiser License Missing	No	File contains only pages 1 and 2, missing complete appraisal.	12/16/2021 - Client provided a complete appraisal with photos and license.
0389200291	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	AUS indicates PIW eligible. BPO in file.	12.14.2021 Received BPO with a value of XX which supports the original AUS value of XXX
0389200291	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. Note date XXX.	12.14..2021 Post Disaster Inspection in file.  No Damage to subject property.
0095090144	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)
0823071411	B	A	B	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.	12/29/21 - Seller fees corrected.
0823071411	C	A	C	A	CRDINSR289	Insufficient Hazard Insurance Coverage	No	HOI Dec page in file shows dwelling coverage of XXX. HOI dec page does not show extended coverage.	12/16/2021 - Client provided a HOI questionnaire showing dwelling coverage is sufficient for subject property.
0823071411	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	AUS indicates PIW eligible. BPO in file.	12/14/21: BPO Provided.
0823071411	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster XXX	12/29/21 PDI received.
0721144840	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)
0721144840	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No subsequent inspection since appraisal of XXX; Closing date/Note Date XXX; FEMA declaration date XXX and  effective date of XXX XXX.	12.29.21 - Client provided PDI dated XXX; no damage found on subject property.
0894925349	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	Loan was qualified with PIW. BPO in file.	12/14/21: BPO Provided.
0894925349	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	No inspection since FEMA disaster XXX; Note dated XXX.	12/29/21 PDI received.
0141298780
0995058223	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)
0531421981
0706786042	C	B	C	B	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	Loan was qualified with PIW.	12/14/21: BPO Provided.
0706786042	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	Loan was qualified with PIW. BPO in file.	12/29/21 PDI received.
0126289448	D	A	D	A	CMPDOC3274	Mortgage/Deed in file is incomplete	No	Missing page 19 of the Mortgage / Deed.	12/9/2021 - Client provided complete mortgage with all pages including page 19.
0891374962	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	No inspection since FEMA declaration date XXX for XXX and appraisal is dated XXX. Clayton to order PDI. Note date XXX	12/29/21 PDI received.
0336020403
0232760193	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)
0133677363	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)
0007795623	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 the AUS.	12/16/2021 - Client provided the final DU AUS.
0007795623	D	A	D	A	CRDAST2670	Asset documentation is insufficient per guideline requirements	No	XXX statements, with all pages.	12/16/2021 - Client provided the XXX bank statements with 2 months of history.
0007795623	D	A	D	A	CRDLGL140	Missing subordination agreement for existing junior lien	No	Missing subordination agreement for existing junior lien.	12/16/2021 - Client provided the XXX subordination agreement.
0757327098
0237281961	B	A	B	A	CMPRESPA2700	RESPA - List of homeowners counseling organizations not provided w/in 3 days of application	No	Homeowners counseling organizations not provided within 3 days of application; please provide.	(No Data)
0237281961	C	A	C	A	CMPTRID3552	TRID - Loan Estimate not timely	No	Provide LE within 3 days of application.	(No Data)
0237281961	C	A	C	A	CRDINC2488	Verbal verification of employment missing	No	Verbal verification of Employment is missing.	12/15/2021 - Client provided a VVOE dated XXX
0715988083	D	A	D	A	CRDINC152	Missing verbal VOE required by guidelines	No	Missing Verbal VOE for B2 dated within 10 days of Note date XXX.  VOE in file is dated XXX.	12/23/2021 - Client responded 'VVOE in file acceptable per Agency guidelines. VVOE for B2 dated XXX is within 10 business days of the Note date XXX. '
0880265115	B	B	B	B	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file	No	Homeowners counseling not found in file.	(No Data)
0547897711
0707084603
0142564700	C	A	C	A	PRVAAPPR119	Appraisal documentation does not support occupancy	No	Per appraisal occupancy is vacant in file. Subject is a refinance transaction.	12/13/2021 - Client provided underwriting notes showing property was OPUS approved and is new construction.
0768261197	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)
0021384649	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)
0496977099	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)
0496977099	C	A	C	A	CRDDTI187	Debt Ratio > 50%	No	Missing settlement statement showing payoff of prior home at XXX; REO Mortgage payment of $2,311 was added to DTI which increased DTI 69.63%.	12/19/2021 - Client provided proof letter of mortgage payoff at XXX.
0496977099	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	No inspection since Fema declaration date: XXX. Effective date: XXX. XXXX dec #XXX. Provide PDI disaster report to evidence no damage. Note date XXX.	12/29/21 PDI received.
0975862117	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)
0239773350
0018249871
0881697499	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)
0327239512
0130544281
0397337026	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	Loan was qualified with PIW. BPO in file.	12/20/21: BPO received with matching value
0397337026	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster XXX. Note date XXX.	12/29/21 PDI received.
0668651576
0816533443
0619326148
0693754264
0768047291
0454939527
0807205960	C	A	C	A	CRDINSR289	Insufficient Hazard Insurance Coverage	No	$XXX dwelling coverage in file. Note amount $XXX.	12/16/2021 - Client provided response 'Insurance is sufficient. Evidence of current hazard insurance reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. XXX Escrow (Hazard Insurance) page attached for subject property.'
0144613612
0111590312
0113098186	A	A	A	A	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)
0113098186	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)
0113098186	C	A	C	A	CRDTIL875	Title Does Not Agree With Mortgage	No	Title Commitment Loan Policy in file reflects an amount of $XXX, Loan Amount per Note $XXX.	12/13/2021 - Client provided a final Title policy showing $XXX coverage for subject property.
0514203848
0111052866	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)
0083437480
0862325390	D	A	D	A	CRDINC152	Missing verbal VOE required by guidelines	No	Missing Verbal VOE dated within 10 days of Note date XXX.  VOE in file is dated XXX	12/16/2021 - Client provided response 'VVOE in file is acceptable per Agency guidelines. VVOE dated XXX is within 10 business days of the Note date XXX
0375813865	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	Loan was qualified with PIW. BPO in file.	12/20/21: BPO received
0375813865	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster XXX, Note date XXX.	12/29/21 PDI received.
0402715806	C	A	C	A	CRDINSR289	Insufficient Hazard Insurance Coverage	No	Insurance coverage $XXX in file, required insurance coverage is $XXX. Short coverage.	12/20/2021 - Client provided an insurance print-out showing guaranteed replacement Hazard coverage.
0402715806	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	AUS indicates PIW eligible. BPO in file.	12/20/21: BPO received with matching value
0402715806	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	FEMA declaration date is XXX, effective date of XXXX.  Declaration #XXX. Transaction date is XXX, a subsequent inspection is required. Note date XXX.	12/29/21 PDI received.
0460665636
0945942521	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 Hazard policy and the 1003.	12/13/2021 - Client provided the Hazard policy and XXX - Client provided response 'XXX did not require the new URLA\/1003 with applications dated prior to March 1, 2021. The loan application date on this loan was XXX so the new URLA\/1003 was not required on this file. See attached excerpt from XXX
0945942521	D	A	D	A	CMPTRID3494	TRID - Loan Estimate Missing	No	Loan estimate dated XXX per acknowledgement of receipt of loan estimate on page 300 is missing in file.	(No Data)
0945942521	B	A	B	A	CRDAPP5430	FNMA Application Form is Outdated	No	Missing full 1003 loan application. Only 1003 Demographic Information Addendum provided in loan file.	12/13/2021 - 7/2005 1003 provided by client.12/15/2021 - Client provided response 'XXX did not require the new URLA\/1003 with applications dated prior to March 1, 2021. The loan application date on this loan was XXX so the new URLA\/1003 was not required on this file. See attached excerpt from XXX
0945942521	C	A	C	A	CRDINC2410	Income documents in file for current year do not reflect YTD amounts	No	Income verification documentation in the loan file is dated XXX and expired. Note date XXX.	12/13/2021 - Client provided a paystub with YTD earnings.
0945942521	D	A	D	A	CRDINSR848	Missing Hazard Insurance	No	Missing homeowners insurance declaration page.	12/13/2021 - Client provided a copy of Hazard policy with $XXX total coverage.
0242688902	C	A	C	A	CRDINSR289	Insufficient Hazard Insurance Coverage	No	File contains HOI with dwelling coverage of $XXX; need proof of dwelling coverage of at least $XXX (Note amount).	12/21/2021 - Client provided a Hazard insurance print out showing guaranteed replacement coverage on subject property.
0747326820	C	A	C	A	CRDLTV3024	LTV Exceeds Guideline Requirement by less than 5%	No	Per DU LTV is at 80.00% in file.	12/16/2021 - Client sent a response 'the LTV on this loan is 80% and the Client provided a DU approve/eligible at 80% so the LTV guideline was not exceeded.'
0475813060
0525523880	B	B	B	B	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file	No	Missing Homeownership Counseling disclosure in file.	(No Data)
0525523880	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)
0740264344	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)
0227515511
0545076763	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	FEMA declaration date is XXX, effective date of XXX due to XXX.  Declaration #XXX.  Appraisal date XXX and the Transaction date is XXX a subsequent inspection is required. Note date XXX	12/29/21 PDI received.
0046142574
0652761504	C	B	C	B	CMPFINT106	Finance charge understated by more than $100 (Pmt Stream)	No	Final CD XXX, The finance charge is under disclosed by $412.5. disclosed finance charge as $391,556.60, system calculates financecharge of $391,969.10. Requires corrected PCCD, copy of refund check, LOX and verification of shipping.	01/03/2022: Agree. LOX, envelope, and refund check sent.
0652761504	C	B	C	B	CMPFINT4372	TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed	No	Final CD XXX, The amount financed disclosed as $775,851.31, system calculates amount financed as $775,4383.84 for a variance $412.5	01/03/2022: Agree. LOX, envelope, and refund check sent.
0652761504	B	A	B	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.	1/3/2022 - Corrected seller fees entered.
0121573025
0415723703	B	B	B	B	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file	No	Homeowners counseling organization list not in file	(No Data)
0415723703	D	A	D	A	CRDINSR2400	Missing Flood Certification Document	No	Missing flood certificate.	12/20/2021 - Client provided a Flood Cert X zone for subject property.
0014782320	B	B	B	B	CMPROR117	ROR - Expiration date on form prior to end of rescission period	No	ROR midnight date is disclosed as XXX.  Loan disbursed XXX. Excluding Saturday XXX as a business day,ROR midnight date should be XXX and earliest disbursement would calculate as date calculates as XXX	(No Data)
0121824652
0033526418
0888912331	A	A	A	A	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)
0888912331	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)
0617332992
0955021934
0038622659
0278414636
0271056797	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	No inspection since FEMA XXX XXX	10/4/2021 - PDI received showing no damage.
0938536815
0836170148	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	FEMA Declaration dated XXX, effective XXXX for XXX. Appraisal dated XXX. Clayton to order PDI	12/29/21 PDI received.
0668758773	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)
0981846466
0048664644
0982062550
0162158610	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	Provide source/explanation of OTHER income on 1003 to meet income guidelines.	12/20/2021 - Client provided a LOE and $XXX statement showing stock investments income as "other" income.
0162158610	D	A	D	A	CRDINC3204	Income Documentation Missing	No	Provide source/explanation of OTHER income on 1003 to meet income guidelines.	12/20/2021 - Client provided a LOE and $XXX statement showing stock investments income as "other" income.
0918197844
0188737332	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)
0188737332	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	The subject property closed on XXX and the appraisal was dated XXX. The subject property was located in a XXX Disaster area with an effective date of XXX for XXX. The file did not contain a post disaster inspection.	12/29/21 PDI received.
0137045776
0571679357
0567221797	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	Per 2020 & 2019 1040 Tax Return in file B1 is XXX of B2's stated business. B2 XXX income as a XXX used by lender is not verifiable.	12/9/2021 - Client provided a business license for the co-borrower proving XXX at XXX.
0567221797	C	A	C	A	CRDINC150	Income docs do not meet guidelines	No	Per 2020 & 2019 1040 Tax Return in file B1 is XXX of B2's stated business. B2 XXX income as a XXX used by lender is not verifiable.	12/9/2021 - Client provided a business license for the co-borrower proving XXX at XXX.
0292673590
0443369031
0329133969
0328015144
0329706408
0169759958
0221882077
0754364837
0536358853	B	B	B	B	CRDAPP5430	FNMA Application Form is Outdated	No	Application is prior to March 1.	(No Data)
0711813703
0014838706
0959102165
0232361891
0744639106
0631100046	A	A	A	A	CMPATRQM2900	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination.	No	Clayton status is Non-QM. Initial lender status is QM.	01/27/22: Lender agrees with Clayton Non-QM status
0631100046	A	A	A	A	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	AUS in file shows loan was qualified with DTI of 35.4. Review calculation shows DTI of 39.48 based on additional of REO debt not used in original qualifying.	01/27/22: Client confirms no new docs to be provided. Requested QM status
0631100046	B	B	B	B	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Lender agrees with Clayton Non-QM status.	(No Data)
0631100046	C	C	C	C	CRDDTI105	Debt Ratio Exception 5% or Less	Yes	AUS in file shows loan was qualified with DTI of 35.4. Review calculation shows DTI of 39.48 based on additional of REO debt not used in original qualifying.	(No Data)
0104665752
0414067410	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 Tax Bill for primary residence located at XXX, XXX, CA XXX for PITI payment calculation. Mortgage payment statement for subject shows $0 escrow for T&I.	12/20/21 - Client provided proof of taxes for property at XXX.
0414067410	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing Tax Bill for primary residence located at XXX, XXX, CA XXX for PITI payment calculation. Mortgage payment statement for subject shows $0 escrow for T&I.	12/20/21 - Client provided proof of taxes for property at XXX.
0432496399	A	A	A	A	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)
0432496399	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)
0648797463	B	B	B	B	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file	No	Homeowners counseling not found in file.	(No Data)
0594847162	C	B	C	B	CMPTRID3640	TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided	No	$265.25 Zero Percent Tolerance Violation due to increase in Hybrid E- Closing Fee from $0 to $50 and Transfer taxes aggregate from $675 to $890.25  from on Final CD XXX without a valid Change in Circumstance (CIC). Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping.	12/21/2021: Disagree: The LE issued XXX disclosed the addition of the Hybrid E-Closing fee in the amount of $50 along with a valid change circumstance reason of new information unknown at time of original LE. Date of knowledge was XXX. Meets three day timing requirement. The LE issued XXX disclosed an increase in the Transfer taxes fee to $1,364 along with a valid change circumstance reason of new information unknown at time of original LE. Date of knowledge was XXX. Meets three day timing requirement. Copy of change circumstance documents attached.
0446619537
0917161843
0178575842
0634689028
0419804028	C	A	C	A	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period	No	Initial CD dated XXX per tracking details on page 606 is missing from file. Please provide Initial CD with Confirmation of Receipt at least 3 days prior to Consummation Date of XXX	12/21/2021: Disagree: Consummation date is XXX. Initial CD date issued XXX was e-signed by the borrower on XXX. DocuSign audit trail with matching Envelope ID in file shows initial CD was sent to borrower on XXX and viewed and signed by borrower on XXX. Provided three business days for the borrower. Please see attached documentation.
0419804028	D	A	D	A	CMPTRID4579	TRID - CD: Missing Initial CD	No	Initial closing disclosure dated XXX per audit tracking details on page 606 is missing	12/21/2021: XXXXXXXXXDoc ProcurementSpecialty OpsMissing Final HUD/Closing DisclosureXXX XXX - TILA\/RESPA Integrated Disclosure - TRID - CD: Missing Initial CD. Initial closing disclosure dated XXX per audit tracking details on page 606 is missingBU provided response"Page 606 tracking, is for LOX signature.  See attached, envelope ID matches (on top of page).  See also attached signed initial CD dated XXX."12/21/2021
0419804028	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	AUS indicates PIW eligible; BPO in file.	12.14.2021 Received BPO with a value of $XXX which supports the AUS value of $XXX
0419804028	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster XXX  Note date XXX.	12/29/21 PDI received.
0770430927	C	A	C	A	CRDINSR289	Insufficient Hazard Insurance Coverage	No	Insufficient Homeowners policy, policy in file does not show guaranteed replacement cost, nor does the file contain the insurable value breakdown by the Insurance Company.  Require dwelling coverage increase to $XXX. Dec page showed $XXX coverage in file.	12/8/2021 - Client provided Hazard policy with a response of "See page 2 of attached insurance statement validating 100% guaranteed replacement cost"
0556596157	C	A	C	A	CRDINC2488	Verbal verification of employment missing	No	Missing Verbal VOE for B1 dated within 10 days of Note date XXX. Document in file is dated XXX.	12/20/2021 - Client provided a VVOE for B1 within 10 days of closing.
0765131526
0781132130	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	Provide 12 months of tax returns for XXX for XXX required per AUS.	12.29.21 - Client provided a 2020 tax return for XXX with 1120-S and K1's. Income supported.
0781132130	D	A	D	A	CRDAPP3822	Missing or incomplete documentation related to citizenship/residency	No	Provide documentation related to citizenship/residency for borrower XXX	12.29.21 - Client provided a corrected 1003 showing the co-borrower as a US citizens with correction initialed as well.
0781132130	D	A	D	A	CRDINC3204	Income Documentation Missing	No	Provide 12 months of tax returns for XXX for XXX required per AUS.	12.29.21 - Client provided a 2020 tax return for XXX with 1120-s and K1's. Income supported.
0428071336
0403458178	B	B	B	B	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file	No	Missing Homeowners counseling organizations list.	(No Data)
0403458178	B	B	B	B	CMPRESPA863	RESPA: Required Affiliate Business Disclosure missing	No	Missing affiliated business disclosure and no privacy policy (FACTS) in file.	(No Data)
0336192908
0082728200
0345232258
0130381022	B	B	B	B	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file	No	Homeowners counseling not found in file.	(No Data)
0203895893
0466409569
0025930914	C	B	C	B	CMPTRID3670	TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation	No	Zero Tolerance Fee of $50.00 due to Hybrid E-Closing Fee increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower.	12/21/2021: Disagree: The LE issued XXX disclosed the addition of the Hybrid E-Closing fee in the amount of $50 along with a valid change circumstance reason of new information unknown at time of original LE. Date of knowledge was XXX. Meets three day timing requirement. Copy of change circumstance document attached.
0871293004	A	A	A	A	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)
0871293004	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)
0477746254	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)
0477746254	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	Missing PDI for FEMA disaster effective XXX; appraisal dated XXX prior to FEMA disaster.  AUS date XXX	12/29/21 PDI received.
0923644806
0433542669
0058951912	C	A	C	A	PRVAFEMA4817	Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public)	No	FEMA Disaster declaration date XXX, effective date XXX. Appraisal dated XXX.	12.5.2021 Post Disaster Inspection in file reflecting no damage to subject property. XXX PDI reflects no damage to subject property.
0799341089	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	FEMA declaration date is XXX, effective date of XXX due to XXX.  Declaration #XXX.  Appraisal date XXX. Post disaster inspection not in file.	12/29/21 PDI received.
0237686792
0966813293	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	Loan was qualified with PIW. BPO in file.	12/23/21: BPO in file
0966813293	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster XXX; Note date XXX.	12/29/21 PDI received.
0720960825
0337811806
0687185214
0072833270
0156111422	C	A	C	A	CMPATRQM2900	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination.	No	Review status determination DTI higher than 43%.  DIT of 49.64% includes HOA fee, lenders DTI/AUS DTI does not include HOA fee.	12/21/2021 - Client provided a final DU AUS with correct 49.64% back debt DTI and payment breakdown showing HOA on subject property.
0156111422	N/A	A	N/A	A	CMPATRQM2906	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors	No	Non QM qualified.	12/21/2021 - Client provided a final DU AUS with correct 49.64% back debt DTI and payment breakdown showing HOA on subject property.
0156111422	C	A	C	A	CMPFDHP2061	Federal higher-priced mortgage loan; no evidence escrow account was established at closing.	No	TRID Triggered.	12/21/2021 - Client provided a final DU AUS with correct 49.64% back debt DTI and payment breakdown showing HOA on subject property.
0156111422	C	A	C	A	CMPTRID3966	TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected	No	Final CD dated XXX does not have a selection marked for declining escrow. Post CD needed to correct.	12/23/2021: Disagree: Neither the 'you declined it' nor the 'your lender does not offer one' box is checked on the final CD issued XXX; however, XXX views this as a non-material violation as there is no harm to the borrower. Non-material violations do not require a CD redisclosure. No remediation will be pursued.
0156111422	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	No inspection since FEMA disaster declaration date XXX, effective date XXX, Note date XXX.	12/29/21 PDI received.
0991500500
0850707507	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)
0850707507	C	B	C	A	PRVAAPPR5454	Loan File contains Property Inspection Waiver (PIW)/AW	No	PIW in file per AUS, BPO in file.	12/20/21: BPO received with matching value.
0850707507	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA Natural Disaster Area, no subsequent inspection (Public). Missing Post Disaster Inspection. Note date XXX.	12/29/21 PDI received.
0824295564
0059604827	C	A	C	A	CMPTRID3618	TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing	No	Missing initial CD	12/13/2021: Disagree: Initial CD in file has a Date Issued of XXX. Presuming a 3 day mail + 3 day wait time, the borrower received the Initial CD at least three business days prior to the consummation date of XXX. There was no change in product or product feature prior to closing. This is not a testing defect so no corrective action required.
0059604827	C	A	C	A	CMPTRID3626	TRID - CD: Loan consummated before end of waiting period	No	Missing initial CD. Provided documents do not pass timing review	12/13/2021: Disagree: Initial CD in file has a Date Issued of XXX. Presuming a 3 day mail + 3 day wait time, the borrower received the Initial CD at least three business days prior to the consummation date of XXX. There was no change in product or product feature prior to closing. This is not a testing defect so no corrective action required.
0627515435
0848207826
0310388995
0923678122
0173168900
0208473851
0391337768
0050585954
0529669985
0678451157
0334437324	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	ATR/QM status pending per DTI ratio.	1/3/22 - Client provided an updated AU, CBR and letter for various creditors confirming payoff including a XXX. Review DTI now within tolerance. VVOE dated XXX also provided.
0334437324	C	A	C	A	CRDDTI187	Debt Ratio > 50%	No	56.82% back end DTI calculated per review. All consumer liabilities with outstanding balances were added to DTI. Missing documentation that supports exclusion of 8 consumer debts from DTI per DU AUS.	1/3/22 - Client provided an updated AU, CBR and letter for various creditors confirming payoff including a XXX auto payoff XXX. Review DTI now within tolerance.
0334437324	C	A	C	A	CRDINC2488	Verbal verification of employment missing	No	Missing VVOE within 10 business day of XXX Note. Only a written VOE in file dated XXX.	1/3/22 - Client provided a VVOE dated XXX for the borrower.
0992198396	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 XXX and TRID 2.0 revisions. Exception satisfied. Final Grade A.	(No Data)
0985309541
0629286718
0423150602	C	B	C	B	CMPTRID3676	TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.	No	Need evidence of change of circumstances letter for Ten Percent tolerance,  recording fees increase, or a copy of a refund check in the amount of $155.	12/21/2021: Agree: The initial LE issued XXX disclosed the recording fees as $450; however, the initial CD issued XXX disclosed the recording fees as $650. The file did not contain any change circumstance documentation for the increase in recording fees. The borrower is due a refund in the amount of $155 for the unacceptable increase in 10% tolerance fees. Or valid change circumstance documentation may be provided for the increase in recording fees.1.10.22 - Client provided LOX, PCCD, refund check in amount of $155 and proof of delivery.
0740519320
0382041256	B	B	B	B	CMPFDCP4569	NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same	No	NMLS License verification found Loan Originator Name XXX does not match the ID of XXX. Fox exactly, but can identify that the LO is the same. Loan documents do not reflect a middle initial.	(No Data)
0246546879	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.	(No Data)
0711664385	A	A	A	A	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)
0711664385	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)
0711664385	C	A	C	A	CRDDTI187	Debt Ratio > 50%	No	DTI (Back) 51.03% is calculated using total income of $8,225.00 subject PITI of $3,728.41 and all other monthly debts of $469.00.   Lender DTI (Back), of 48.80% per DU & 1008 was calculated using total income of $8,225.00 subject PITI of $3,728.41 and other monthly debts of $285.00. Appears lender did not include all debts.	12/23/2021 - Client provided a XXX bank statement showing proof of consumer trade payoffs from XXX. Review DTI now 48.8% which closely matched AUS.
0169686108
0665222452
0022698936	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)
0518706050
0695787451
0867777388
0452152339	C	B	C	B	CMPFINT106	Finance charge understated by more than $100 (Pmt Stream)	No	The finance charge is under disclosed by $245. Final CD dated XXX disclosed finance charge as $663,694.04, review calculated finance charge to be $663,449.04. The following fees were applied towards APR: Prepaid Interest - F, Discount - A, Underwriting - A, Title - Settlement Closing Fee - B & C, Title - Courier Charges - B & C, Title - Courier Charges (2) - B & C, Title - Sub-Escrow Fee - B & C, and Title - Recording Service Fee - B & C.  Requires corrected PCCD, copy of refund check, reopen of rescission,  LOX and verification of shipping.	12.22.21 - Client Agree: Disclosed Finance Charge equals $421,584.57. Calculated Finance Charge equals $421,761.77. Finance Charge is understated by $177.20 and outside of tolerance. Unable to reconcile the Client's prepaids factored in Consummation CD date issued XXX calculation. Refund to the borrower in the amount of $177.20 is required along with LOX to the borrower and proof of shipping. 01/03/2022: Lender sent LOX, Envelope, and Refund check
0452152339	C	B	C	B	CMPFINT4372	TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed	No	The Amount Financed is over disclosed by $245. Final CD dated XXX disclosed Amount Financed as $663694.04, review calculated Amount Financed to be $663449.04. The following fees were applied towards APR: Prepaid Interest - F, Discount - A, Underwriting - A, Title - Settlement Closing Fee - B & C, Title - Courier Charges - B & C, Title - Courier Charges (2) - B & C, Title - Sub-Escrow Fee - B & C, and Title - Recording Service Fee - B & C.  Requires corrected PCCD, copy of refund check, reopen of rescission,  LOX and verification of shipping.	12.22.21 - Client Agree: Disclosed Finance Charge equals $421,584.57. Calculated Finance Charge equals $421,761.77. Finance Charge is understated by $177.20 and outside of tolerance. Unable to reconcile the Client's prepaids factored in Consummation CD date issued XXX calculation. Refund to the borrower in the amount of $177.20 is required along with LOX to the borrower and proof of shipping. 01/03/2022: Lender sent LOX, Envelope, and Refund check
0612917914
0862067344
0393502836

Alt Loan Number	Conclusion Comments	TRID Error Type	Cure Method	Compensating Factors	Loan Status
0782417120	(No Data)	Not Applicable	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have been in the same profession for 5 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers do not have any late payments. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0403089529	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has 10 years in the same profession. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  The co-borrower has been in the same profession for 5 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history.	Complete
0715911134	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 814 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Require $86,358.06. Verified $1,610,239.48	Complete
0475940272	(No Data)	Not Applicable	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement of 26.01% with a max DTI of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 779 per credit report in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 12 years of employment in current profession.	Complete
0475940272	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement of 26.01% with a max DTI of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 779 per credit report in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 12 years of employment in current profession.	Complete
0710123293	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 803 per credit report in file. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 60.00% below guideline requirements. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years 14 months living at current residence in file.	Complete
0630398836	(No Data)	Numeric	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  780 mid-score per CBR. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36.695 is below the guidelines.	Complete
0623412589	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has a significant time of 8 years in the same profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  22.44% DTI which is below the guideline maximum, Max DTI for program is 50%	Complete
0623412589	(No Data)	Not Applicable	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has a significant time of 8 years in the same profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  22.44% DTI which is below the guideline maximum, Max DTI for program is 50%	Complete
0623412589	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has a significant time of 8 years in the same profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  22.44% DTI which is below the guideline maximum, Max DTI for program is 50%	Complete
0445151170	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in current profession for 11 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Per credit report mortgage payment history reflects payments made with out lates. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  769 mid-score per CBR.	Complete
0445151170	12/10/21 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in current profession for 11 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Per credit report mortgage payment history reflects payments made with out lates. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  769 mid-score per CBR.	Complete
0445151170	12/10/21 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in current profession for 11 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Per credit report mortgage payment history reflects payments made with out lates. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  769 mid-score per CBR.	Complete
0445151170	12/9/2021 - Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in current profession for 11 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Per credit report mortgage payment history reflects payments made with out lates. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  769 mid-score per CBR.	Complete
0354538577	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years employment in current profession in file. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 47.00% below guideline requirements. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 34.78% below guideline requirements.	Complete
0354538577	12/09/2021 - Exception Satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years employment in current profession in file. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 47.00% below guideline requirements. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 34.78% below guideline requirements.	Complete
0214102677	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 780 exceeds the guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on his same job for the past 26 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  60 months of 0x30 consumer credit history.	Complete
0214102677	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 780 exceeds the guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on his same job for the past 26 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  60 months of 0x30 consumer credit history.	Complete
0908007770	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score 770 per credit report in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 9 years of employment in current profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 52.00% below guideline requirements.	Complete
0449703649	(No Data)	Not Applicable	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has worked in the same profession 12 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0449703649	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has worked in the same profession 12 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0637983431	12/21/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV at 46.00% below guideline requirements. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 22 years living at current residents in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 2, has 20 years 7 months  in current profession.	Complete
0637983431	12/21/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV at 46.00% below guideline requirements. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 22 years living at current residents in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 2, has 20 years 7 months  in current profession.	Complete
0637983431	12/31/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV at 46.00% below guideline requirements. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 22 years living at current residents in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 2, has 20 years 7 months  in current profession.	Complete
0858385150	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines at 720 with a minimum credit score of 660 per XXX guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement at 24.18% with a max DTI of 50%. CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late payments per Credit Report for the past 60 months or more.	Complete
0378927436	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 6 years in profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have a DTI of 38.57 which is 6.43 points below the required DTI	Complete
0384237712	01/10/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 797 per credit report in file. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 11 years 10 months living at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years of employment in current profession.	Complete
0630592390	12/8/21 - Exception satisfied.	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 - 15 years as a XXX. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  740 mid-score per CBR.	Complete
0630592390	12/08/21: Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 - 15 years as a XXX. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  740 mid-score per CBR.	Complete
0630592390	12/08/21: Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 - 15 years as a XXX. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  740 mid-score per CBR.	Complete
0055409414	(No Data)	Numeric	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 13 years 7 months living at current residence in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 5 years employment in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 793 per credit report in file. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0159950521				CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $252,353.75. Required reserves $0 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV. 47.05% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 5 years 8 months.	Complete
0930925589	(No Data)	Numeric	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co- Borrower has 5 years employment on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 731 per credit report in file. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 25.97% below guideline requirement.	Complete
0930925589	12/09/2021 - Exception Satisfied	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co- Borrower has 5 years employment on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 731 per credit report in file. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 25.97% below guideline requirement.	Complete
0561446869	12/8/21 - Exception satisfied.	Numeric	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 7 years and 11 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 22.14%; program maximum of 43%.	Complete
0561446869	12/08/21: Exception satisfied	(No Data)	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 7 years and 11 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 22.14%; program maximum of 43%.	Complete
0561446869	12/08/21: Exception satisfied	(No Data)	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 7 years and 11 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 22.14%; program maximum of 43%.	Complete
0561446869	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 7 years and 11 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 22.14%; program maximum of 43%.	Complete
0960458099	(No Data)	Numeric	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Lender maximum LTV 50%; file DTI 21.41%. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has worked in the same industry for 17 years.	Complete
0960458099	(No Data)	Not Applicable	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Lender maximum LTV 50%; file DTI 21.41%. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has worked in the same industry for 17 years.	Complete
0960458099	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Lender maximum LTV 50%; file DTI 21.41%. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has worked in the same industry for 17 years.	Complete
0180455225				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1 fico 780;  B2  fico 751	Complete
0963011596	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 6 years employment in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 697 per credit report in file. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower has 8 years employment for 2 current jobs in file.	Complete
0963011596	12/09/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 6 years employment in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 697 per credit report in file. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower has 8 years employment for 2 current jobs in file.	Complete
0818556132	12/19/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  No derogs, no lates.	Complete
0818556132	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  No derogs, no lates.	Complete
0329381414	12/9/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  16 years as a XXX. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  744 mid-score per CBR.	Complete
0329381414	(No Data)	Not Applicable	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  16 years as a XXX. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  744 mid-score per CBR.	Complete
0329381414	12/9/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  16 years as a XXX. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  744 mid-score per CBR.	Complete
0329381414	12/9/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  16 years as a XXX. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  744 mid-score per CBR.	Complete
0277992306	12/14/21: Exception Satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same profession for 20 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers do not have any late payments, good credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrowers DTI is 19.31%.	Complete
0277992306	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same profession for 20 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers do not have any late payments, good credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrowers DTI is 19.31%.	Complete
0205206384	(No Data)	Numeric	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 6 year 1 month living at current resident  in file. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 794 per credit report in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 26 years employment in current profession in file.	Complete
0205206384	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 6 year 1 month living at current resident  in file. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 794 per credit report in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 26 years employment in current profession in file.	Complete
0858231900	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico  792	Complete
0858231900	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico  792	Complete
0358391248	(No Data)	Numeric	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has a DTI of 36.75 which is 8.25 points below the required DTI CFCFS2854: Significant time in profession - Clayton Comments:  Co-Borrower has 8 years in profession	Complete
0358391248	(No Data)	Numeric	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has a DTI of 36.75 which is 8.25 points below the required DTI CFCFS2854: Significant time in profession - Clayton Comments:  Co-Borrower has 8 years in profession	Complete
0358391248	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has a DTI of 36.75 which is 8.25 points below the required DTI CFCFS2854: Significant time in profession - Clayton Comments:  Co-Borrower has 8 years in profession	Complete
0272340507				CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.10% is below required DTI per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 743 exceeds required credit score per guidelines.	Complete
0675703245	12/14/21: Exception Satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  The borrower has good credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The DTI is low 28.06%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrower's credit score is 786. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  74 months of 0x30 consumer credit history.	Complete
0675703245	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  The borrower has good credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The DTI is low 28.06%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrower's credit score is 786. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  74 months of 0x30 consumer credit history.	Complete
0555771390	12/14/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 14 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 24 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 793	Complete
0714354368				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score 747 per credit report in file. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 36 years, 3 months living at current residence in file. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 58.00% below guideline requirements. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0824365596				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  758 mid-score qualified per CBR. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 37 years in the XXX.	Complete
0765442939				CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has a DTI of 21.96% which is 23.04 points below the required DTI CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in profession CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0825424909	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  17 years in the XXX industry. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  776 mid-score per CBR CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  53 months of 0x30 consumer history.	Complete
0285148298	01/27/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  750 qualifying mid-score per CBR. CFCFS2854: Significant time in profession - Clayton Comments:  B1 10 years employed in the XXX line of work.	Complete
0285148298	01/27/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  750 qualifying mid-score per CBR. CFCFS2854: Significant time in profession - Clayton Comments:  B1 10 years employed in the XXX line of work.	Complete
0285148298	(No Data)	Numeric	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  750 qualifying mid-score per CBR. CFCFS2854: Significant time in profession - Clayton Comments:  B1 10 years employed in the XXX line of work.	Complete
0285148298	(No Data)	Not Applicable	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  750 qualifying mid-score per CBR. CFCFS2854: Significant time in profession - Clayton Comments:  B1 10 years employed in the XXX line of work.	Complete
0285148298	12/13/2021 - Exception remains.	(No Data)	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  750 qualifying mid-score per CBR. CFCFS2854: Significant time in profession - Clayton Comments:  B1 10 years employed in the XXX line of work.	Complete
0285148298	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  750 qualifying mid-score per CBR. CFCFS2854: Significant time in profession - Clayton Comments:  B1 10 years employed in the XXX line of work.	Complete
0875088367				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 736 per credit report in file. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 8 years 9 months living at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 7 years of employment at current job in file. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0049130591	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 768 per credit report in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 6 years employment in current profession. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has 15 years employment in current profession. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0904710978	12/14/21: Exception Satisfied.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job, 17 years. CFCFS2860: Good credit history - Clayton Comments:  Both borrowers have good credit history. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Lender maximum LTV is 80%, file LTV 60%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  801 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0904710978	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job, 17 years. CFCFS2860: Good credit history - Clayton Comments:  Both borrowers have good credit history. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Lender maximum LTV is 80%, file LTV 60%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  801 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0437796128	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 791 per credit report in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 26 years employment in current profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 25.69% below guideline requirements.	Complete
0008394533				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  28 years 10 months job tenure CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has significant time at current residence with 22.10 years.	Complete
0568043370	(No Data)	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with this company for over 23yrs CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves in excess of $2M	Complete
0568043370	12/21/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with this company for over 23yrs CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves in excess of $2M	Complete
0568043370	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with this company for over 23yrs CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves in excess of $2M	Complete
0344086653				CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 30.76% is below required DTI per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 46% is below required LTV per guideline. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0949907693				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a score of 731 which exceeds the required score by 31 points	Complete
0850465990				CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $0. Verified reserves $122,359.49. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  12 Month mortgage history required. 43 month history documented. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 9 years 9 months.	Complete
0696788799	12/13/2021 - Exception satisfied.	Not Applicable	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job, 18 years. CFCFS2860: Good credit history - Clayton Comments:  The borrower does not have any late payments.	Complete
0123760334				CFCFS2854: Significant time in profession - Clayton Comments:  Co- Borrower has 10 years in profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have a DTI of 26.22 which is 18.78 points less than the required DTI CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0633280218				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 15 years and 1 month. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 16.46%; program 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:  801 mid-score qualified per CBR.	Complete
0250454910				CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 773 per credit report in file. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has 20 years of employment in profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 34.51% below guideline requirements.	Complete
0799906339	12/14/21: Exception Satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The co-borrower has been in the same profession for 24 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrowers DTI is low, DTI 20.40%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  768 mid-score per CBR	Complete
0799906339	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The co-borrower has been in the same profession for 24 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrowers DTI is low, DTI 20.40%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  768 mid-score per CBR	Complete
0012466434	12/14/21: Exception Satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has 5 years in the same profession. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  The co-borrower has been in the same profession for 21 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Lender maximum LTV 80%, file LTV 62.92%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  715 mid-score per CBR	Complete
0012466434	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has 5 years in the same profession. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  The co-borrower has been in the same profession for 21 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Lender maximum LTV 80%, file LTV 62.92%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  715 mid-score per CBR	Complete
0097948747				CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have lived at current residence for 12 years 2 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 69%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $201,750.21. Required reserves $0.00.	Complete
0157245913				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 20 years and 9 months. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Per Credit Report dated XXX mortgage payments have been paid without lates. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  719 qualifying mid score per CBR	Complete
0644179430				CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive Mortgage payment history with 0 x 30 in the last 36 months or more. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Reduction in rate of 3.875% to 3.25% and a monthly savings of approximately $616.98 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 2 has significant time in Profession with 14.2 years.	Complete
0929699124				CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 73.45% is below required LTV required per guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 44.29% is below required DTI required per guideline	Complete
0348250287				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 11 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a score of 797 which exceeds the required score by 97 points	Complete
0029836935	(No Data)	Numeric	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. 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 7 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 773 with a minimum credit score of 660.	Complete
0106352761	12/9/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  735 mid-score per CBR. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 10 years and 11 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 17.84%; program maximum of 43%.	Complete
0330038584	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 732 per credit report in file. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 13 years 5 months living at current residence in file . CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 24 years employment in current profession.	Complete
0330038584	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 732 per credit report in file. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 13 years 5 months living at current residence in file . CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 24 years employment in current profession.	Complete
0708092167	12/09/2021 - Exception satisfied	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower has owned the subject property for 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  720 mid score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0969584651				CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV  54.83% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  9 yrs.	Complete
0327367784	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  747 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:  4.3 years living at prior residence.	Complete
0327367784	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  747 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:  4.3 years living at prior residence.	Complete
0400516704				CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  YTD bonus income for B2 in the amount of $3246.73/mo was not used for qualifying purposes. B2 has more than a 2yr history of receipt of this income. CFCFS1747: Housing expense increase is 10% or less - Clayton Comments:  Interest rate reduction from 3.875% to 3.25% and monthly P&I reduction from $2937.85 to $2670.07 CFCFS1746: Significant housing expense reduction - Clayton Comments:  Interest rate reduction from 3.875% to 3.25% and monthly P&I reduction from $2937.85 to $2670.07 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $24076.80 or 7.04 months of cash reserves present, per LP no reserves are required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0727366194	(No Data)	Numeric	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS2860: Good credit history - Clayton Comments:  The borrowers do not have any late payments. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has 15 years in the same profession.	Complete
0727366194	(No Data)	Numeric	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS2860: Good credit history - Clayton Comments:  The borrowers do not have any late payments. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has 15 years in the same profession.	Complete
0943810048	12/23/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  718 qualifying credit 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:  B1 has resided in subject 26years,, 4 months	Complete
0657467883	12/21/2021 - Exception satisfied	(No Data)	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 15 years and 10 months. CFCFS1736: Significant time at current residence - Clayton Comments:  B's have been at current residence for 15 years and 8 months.	Complete
0893453908	12/16/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same profession for 21 years. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower has own the current residence for 5 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  The borrower does not have any late mortgage payments.	Complete
0893453908	12/16/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same profession for 21 years. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower has own the current residence for 5 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  The borrower does not have any late mortgage payments.	Complete
0893453908	12/14/21: Exception Satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same profession for 21 years. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower has own the current residence for 5 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  The borrower does not have any late mortgage payments.	Complete
0893453908	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same profession for 21 years. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower has own the current residence for 5 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  The borrower does not have any late mortgage payments.	Complete
0027618395				CFCFS2854: Significant time in profession - Clayton Comments:  30 years in the XXX field. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  779 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0819163420	12/14/21: Exception Satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same profession for 8 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history, no late payments. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  The borrower do not have any late mortgage payments.	Complete
0819163420	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same profession for 8 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history, no late payments. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  The borrower do not have any late mortgage payments.	Complete
0784847525	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  770 mid score per CBR. CFCFS2860: Good credit history - Clayton Comments:  The borrower has good credit history, no late payments.	Complete
0784847525	12/09/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  770 mid score per CBR. CFCFS2860: Good credit history - Clayton Comments:  The borrower has good credit history, no late payments.	Complete
0405408809	12/13/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job, 6 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job, 5 years. CFCFS2860: Good credit history - Clayton Comments:  Both borrowers have good credit history.	Complete
0405408809	12/14/21: Exception Satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job, 6 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job, 5 years. CFCFS2860: Good credit history - Clayton Comments:  Both borrowers have good credit history.	Complete
0405408809	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job, 6 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job, 5 years. CFCFS2860: Good credit history - Clayton Comments:  Both borrowers have good credit history.	Complete
0738161377	(No Data)	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Lender LTV maximum allowed 80%, file LTV 51.61%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  50 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  761 mid-score per CBR.	Complete
0738161377	12/16/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Lender LTV maximum allowed 80%, file LTV 51.61%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  50 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  761 mid-score per CBR.	Complete
0333480713				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 6 years employment in current profession in file. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 60.00% below guideline requirements. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 780 per credit report in file. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0703473453				CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been with current employer, XXX, for 16yrs and 10mos. CFCFS1739: Postive mortgage payment history - Clayton Comments:  0x12x24 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x12x24 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  731 qualifying mid score per CBR	Complete
0844874525	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The co-borrower has 5 years in the same profession. CFCFS2860: Good credit history - Clayton Comments:  The borrowers do not have any late payments within the last 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Lender maximum DTI allowed 50%; file DTI 27.19%.	Complete
0844874525	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The co-borrower has 5 years in the same profession. CFCFS2860: Good credit history - Clayton Comments:  The borrowers do not have any late payments within the last 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Lender maximum DTI allowed 50%; file DTI 27.19%.	Complete
0844874525	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The co-borrower has 5 years in the same profession. CFCFS2860: Good credit history - Clayton Comments:  The borrowers do not have any late payments within the last 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Lender maximum DTI allowed 50%; file DTI 27.19%.	Complete
0765037886	12/15/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  725 mid score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  54 months of 0x30 consumer history per CBR. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  OT income not used to qualify. CFCFS2860: Good credit history - Clayton Comments:  0x30x24 on all consumer debt listed.	Complete
0657966609				CFCFS1746: Significant housing expense reduction - Clayton Comments:  Previous payments $7,430.59 (PITI), new payment $3,928.86 (PITI). CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  725 mid score per CBR.	Complete
0976648082	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  fico 812 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS2854: Significant time in profession - Clayton Comments:  21 years employed in the XXX.	Complete
0758359829				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years employment on current job in file. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 66.00% below guideline requirements in file. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 779 per credit report in file.	Complete
0273809861	12/13/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  709 mid score qualified per CBR CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  49 months of 0x30 consumer history. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have lived in the subject property for 6 years. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Previous housing expense $5,784, new payment $5,166.81.	Complete
0273809861	12/13/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  709 mid score qualified per CBR CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  49 months of 0x30 consumer history. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have lived in the subject property for 6 years. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Previous housing expense $5,784, new payment $5,166.81.	Complete
0027940674	12/16/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has significant time at current residence, 6 years. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has 13 years in the same profession. CFCFS2860: Good credit history - Clayton Comments:  The borrower does not have any late debt payments. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  703 mid-score per CBR.	Complete
0027940674	12/16/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has significant time at current residence, 6 years. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has 13 years in the same profession. CFCFS2860: Good credit history - Clayton Comments:  The borrower does not have any late debt payments. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  703 mid-score per CBR.	Complete
0027940674	12/16/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has significant time at current residence, 6 years. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has 13 years in the same profession. CFCFS2860: Good credit history - Clayton Comments:  The borrower does not have any late debt payments. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  703 mid-score per CBR.	Complete
0389200291	12/20/21: Exception satisfied	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence with 8.5 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has significant time in Profession with 20 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job with 13 years.	Complete
0389200291	12/21/21: Exception satisfied	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence with 8.5 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has significant time in Profession with 20 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job with 13 years.	Complete
0095090144	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same profession for 14 years. CFCFS2860: Good credit history - Clayton Comments:  The borrower has good credit history, no late payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  797 mid-score per CBR CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0823071411	12/29/2021 - Exception satisfied.	Numeric	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.69% DTI which is below the guideline maximum, Max DTI for program is 50%	Complete
0823071411	12/16/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.69% DTI which is below the guideline maximum, Max DTI for program is 50%	Complete
0823071411	12/14/21: Exception Satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.69% DTI which is below the guideline maximum, Max DTI for program is 50%	Complete
0823071411	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.69% DTI which is below the guideline maximum, Max DTI for program is 50%	Complete
0721144840	(No Data)	Numeric	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  The borrower does not have any derogatory payments within the last 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment working for current employer for 16 years.	Complete
0721144840	12/29/21 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  The borrower does not have any derogatory payments within the last 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment working for current employer for 16 years.	Complete
0894925349	12/14/21: Exception Satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same profession for 45 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Lender LTV maximum 80%, file LTV 65%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0894925349	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same profession for 45 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Lender LTV maximum 80%, file LTV 65%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0141298780				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 782 per credit report in file. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 15 years employment on current job in file. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 25.41% below guideline requirements in file. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0995058223	(No Data)	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 73% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 5 years 6 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $135,565.56. Required reserves $0.00.	Complete
0531421981				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 31 years employment in current profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 59.00% below guideline requirements. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 698 per credit report in file.	Complete
0706786042	12/14/21: Exception Satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have worked in the same profession for 11 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have a good credit history. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  The co-borrower has worked the same job for 11 years.	Complete
0706786042	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have worked in the same profession for 11 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have a good credit history. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  The co-borrower has worked the same job for 11 years.	Complete
0126289448	12/9/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  803 mid-score qualified per CBR CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has worked in the same profession for 23 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  The co-borrower has worked at the same job for 17 years. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have owned the subject property for 15 years.	Complete
0891374962	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 80%. Calculated LTV 70% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current line of work for 20 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  12 month 0 x 30 required. 24 month 0 x 30 documented.	Complete
0336020403				CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has a significant time of 11 years at the current residence. 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 0*30 for 24 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  38.13% DTI which is below the guideline maximum, Max DTI for program is 50%	Complete
0232760193	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 764 per credit report in file. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is art 67.00% below guideline requirements. CFCFS2860: Good credit history - Clayton Comments:  Borrower's liabilities are in good standing per credit report in file. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  75 months of 0x30 consumer history.	Complete
0133677363	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 795 per credit report in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 40 years employment in current profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 34.00% below guideline requirements.	Complete
0007795623	12/16/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  File LTV 58.44, Lender maximum allowed 80%. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same profession for 14 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0007795623	12/16/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  File LTV 58.44, Lender maximum allowed 80%. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same profession for 14 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0007795623	12/16/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  File LTV 58.44, Lender maximum allowed 80%. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same profession for 14 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0757327098				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has a significant time of 31 years in the same profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  22.95% DTI which is below the guideline maximum, Max DTI for program is 50%.	Complete
0237281961	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines at 736 with a minimum credit score of 660 per XXXguidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement at 37.27% with a max DTI of 50%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in Profession with 25 years.	Complete
0237281961	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines at 736 with a minimum credit score of 660 per XXXguidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement at 37.27% with a max DTI of 50%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in Profession with 25 years.	Complete
0237281961	12/15/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines at 736 with a minimum credit score of 660 per XXXguidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement at 37.27% with a max DTI of 50%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in Profession with 25 years.	Complete
0715988083	12/23/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 18 years 9 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have lived at current residence for 18 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 75%. Calculated LTV 69.04% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $264,894.68. Required reserves $34,160.40.	Complete
0880265115	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same line of work for 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 80%. Calculated LTV 70%. CFCFS1750: High potential for increased earnings - Clayton Comments:  Year to date bonus showing on paystub of $123,284/7.5=16,437 per month. Not used to qualify.	Complete
0547897711				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 27 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 777 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 5 years	Complete
0707084603				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 741 per credit report in file. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years of employment on current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 29.23% below guideline requirements. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0142564700	12/13/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score 707 per credit report in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years employment in current profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 29.42% below guideline requirements. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0768261197	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has worked in the same profession for 10 years. CFCFS2860: Good credit history - Clayton Comments:  The borrower has good credit history, no late payments. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The DTI is low, 28.16%.	Complete
0021384649	(No Data)	Numeric	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 22 years and 2 months at current residence CFCFS2860: Good credit history - Clayton Comments:  0x60 credit history	Complete
0496977099	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 11 years in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a score of 778 which exceeds the required score by 78 points.	Complete
0496977099	12/19/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 11 years in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a score of 778 which exceeds the required score by 78 points.	Complete
0496977099	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 11 years in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a score of 778 which exceeds the required score by 78 points.	Complete
0975862117	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 713 per credit report in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 7 years employment in current profession. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 3 years 5 months living at current residence in file.	Complete
0239773350				CFCFS2860: Good credit history - Clayton Comments:  The borrower has good credit history, no late payments. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Lender DTI maximum allowed is 50%, file DTI 7.69%. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower has owned the subject property for 10 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history per CBR.	Complete
0018249871				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 5.3 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 80%. Calculated LTV 53% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $0.00. Verified reserves $XXX	Complete
0881697499	(No Data)	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV 95%. Calculated LTV 62%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 30 years, 8 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $0.00.   Verified reserves $90,073.62.	Complete
0327239512				CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history CFCFS1744: DTI below guideline requirement - Clayton Comments:  27.39% DTI which is below the guideline maximum, Max DTI for program is 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  785 mid qualifying score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0130544281				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 13 years 7 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have lived at current residence for 8 years 7 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  12 month mortgage history required per guidelines.  6 year mortgage history verified on credit report.	Complete
0397337026	12/20/21: Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has working in the same profession for 10 years. CFCFS2860: Good credit history - Clayton Comments:  The borrower has good credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Lender DTI 50% maximum, file LTV 19.13%.	Complete
0397337026	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has working in the same profession for 10 years. CFCFS2860: Good credit history - Clayton Comments:  The borrower has good credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Lender DTI 50% maximum, file LTV 19.13%.	Complete
0668651576				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 47% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Bonus income of $7,228 (2020) supported by WVOE, not used to qualify	Complete
0816533443				CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has a significant time of 12 years at the current residence. 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 0*30 for 24 months	Complete
0619326148				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 809 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 9%. Program maximum is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has cash reserves of $74,825.63.	Complete
0693754264				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score 808 per credit report in file. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 13  .% below guideline requirements. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years employment in current profession.	Complete
0768047291				CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a score of 784 which exceeds the required score by 84 points.	Complete
0454939527				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a score of 784 which exceeds the required score by 84 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has a DTI of 28.68 which is 16.32 points below the required DTI	Complete
0807205960	12/16/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 25.35% below guideline requirements. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 6 years 2 months living at current residence in file. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 676 per credit report in file.	Complete
0144613612				CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score 757 per credit report in file. CFCFS1736: Significant time at current residence - Clayton Comments:  B2 has 29 years 8 months living at current residence in file. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 46.00% below guideline requirements.	Complete
0111590312				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 792 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 14 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 25 years	Complete
0113098186	(No Data)	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 13 years and 9 months. CFCFS1736: Significant time at current residence - Clayton Comments:  B2 have been at current address for 16 years and 7 months.	Complete
0113098186	(No Data)	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 13 years and 9 months. CFCFS1736: Significant time at current residence - Clayton Comments:  B2 have been at current address for 16 years and 7 months.	Complete
0113098186	12/13/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 13 years and 9 months. CFCFS1736: Significant time at current residence - Clayton Comments:  B2 have been at current address for 16 years and 7 months.	Complete
0514203848				CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 37%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have lived at current residence for 6 years 3 months. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Current housing expense 3828.98. Current housing $3,288.17. Reduction of $540.81.	Complete
0111052866	(No Data)	Numeric	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 68%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $0.00. Verified reserves $456,223.45. CFCFS2860: Good credit history - Clayton Comments:  Borrower has 0 x 30 in 232 months. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0083437480				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 8 years in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a representative score of 774 which exceeds the required score by 74 points	Complete
0862325390	12/16/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score 736 per credit report in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 11 years of employment in current profession. CFCFS2860: Good credit history - Clayton Comments:  Borrower liabilities has no delinquent payments per credit report in file.	Complete
0375813865	12/20/21: Exception satisfied	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The maximum DTI allowed 50%, file DTI 19.88%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified effective assets of $416,398; cash required to close of $141,270.53 reserves of $275,127.47 or 68 months PITI; per DU findings reserves of $216,287.65 or 48 months PITIA reserves required.	Complete
0375813865	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The maximum DTI allowed 50%, file DTI 19.88%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified effective assets of $416,398; cash required to close of $141,270.53 reserves of $275,127.47 or 68 months PITI; per DU findings reserves of $216,287.65 or 48 months PITIA reserves required.	Complete
0402715806	12/20/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has a significant time of 13 years in the same profession. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past 0*30 for 24 months	Complete
0402715806	12/20/21: Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has a significant time of 13 years in the same profession. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past 0*30 for 24 months	Complete
0402715806	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has a significant time of 13 years in the same profession. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past 0*30 for 24 months	Complete
0460665636				CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job, 26 years. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have owned the subject property for 42 years.	Complete
0945942521	12/13/2021 - Exception remains due to outdated 1003. Need 2021 application.XXXX - Exception satisfied.	(No Data)	Not Applicable	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.	Complete
0945942521	(No Data)	(No Data)	Not Applicable	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.	Complete
0945942521	12/13/2021 - Exception remains.12/15/2021 - Exception satisfied.	Not Applicable	Not Applicable	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.	Complete
0945942521	12/13/2021 - Exception satisfied.	(No Data)	Not Applicable	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.	Complete
0945942521	12/13/2021 - Exception satisfied.	(No Data)	Not Applicable	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.	Complete
0242688902	12/21/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 11 years and 8 months at current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 6 years and 8 months at current residence	Complete
0747326820	12/16/2021 - Exception satisfied.	(No Data)	Not Applicable	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 6 years 5 months living at current residence in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years of employment in current profession.	Complete
0475813060				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years employment on current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co- borrower has 9 years employment on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 784 per credit report in file. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0525523880	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a score of 787 which exceeds the required score by 87 points CFCFS2860: Good credit history - Clayton Comments:  0x60 credit history CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0525523880	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a score of 787 which exceeds the required score by 87 points CFCFS2860: Good credit history - Clayton Comments:  0x60 credit history CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0740264344	(No Data)	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 800 with a minimum credit score of 660. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current address for 7 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 7 years.	Complete
0227515511				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 731 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 18 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been with the same employer for 41 years	Complete
0545076763	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  26.84% DTI which is below the guideline maximum, Max DTI for program is 50% 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 0*30 for 24 months	Complete
0046142574				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has a significant time of 9 years at the current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.68% DTI which is below the guideline maximum, Max DTI for program is 50%	Complete
0652761504	01/02/2022: Exception satisified	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 765 per credit report in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 8 years employment in current profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 30.26% below guideline requirement in file.	Complete
0652761504	01/03/2022: Exception satisfied.	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 765 per credit report in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 8 years employment in current profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 30.26% below guideline requirement in file.	Complete
0652761504	1/3/2022 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 765 per credit report in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 8 years employment in current profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 30.26% below guideline requirement in file.	Complete
0121573025				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 737 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves of $XXX exceeds guidelines.	Complete
0415723703	(No Data)	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 20 years, 6 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 21 years, 5 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 36%.	Complete
0415723703	12/20/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 20 years, 6 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 21 years, 5 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 36%.	Complete
0014782320	(No Data)	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has a significant time of 8 years at the current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments:  24.95% DTI which is below the guideline maximum, Max DTI for program is 50% CFCFS1737: LTV below guideline requirements - Clayton Comments:  37.12% LTV which is below the guideline maximum, Max LTV for program is 90% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  803 mid-score per CBR	Complete
0121824652				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 8 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 766 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29%. Program maximum is 43%.	Complete
0033526418				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 805 per credit report in file. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years 1 month living at current resident . CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 24.48 % below guideline requirements.	Complete
0888912331	(No Data)	Numeric	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  26.17% DTI which is below the guideline maximum, Max DTI for program is 50%	Complete
0888912331	(No Data)	Numeric	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  26.17% DTI which is below the guideline maximum, Max DTI for program is 50%	Complete
0617332992				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score 666 per credit report in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 8 years employment in current profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at 66.00% below guideline requirements.	Complete
0955021934				CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower's YTD bonus income  of $10500.00 was not considered for qualifying. CFCFS1744: DTI below guideline requirement - Clayton Comments:  38.55% less than maximum allowed of 50% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 56.44% is less than maximum allowed of 90% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0038622659				CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.22% DTI which is below the guideline maximum, Max DTI for program is 50% CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history.	Complete
0278414636				CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  36 months reserves available. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x16 CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.94% < 50% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0271056797	PDI received showing no damage. Exception satisfied.	(No Data)	Not Applicable	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.	Complete
0938536815				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 8 years in profession CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a score of 806 which exceeds the required score by 106 points.	Complete
0836170148	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 23 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 817 CFCFS2860: Good credit history - Clayton Comments:  There are no derogatory accounts reported.	Complete
0668758773	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 776 CFCFS2860: Good credit history - Clayton Comments:  There are no derogatory accounts reported. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 5 years	Complete
0981846466				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score 801 per credit report in file. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is at  34.00% below guideline requirements. CFCFS2860: Good credit history - Clayton Comments:  Borrower liabilities no late payments per credit report in file.	Complete
0048664644				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 753 per credit report in file. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 12 years 4 months living at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 14 years of employment in current profession.	Complete
0982062550				CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past 0*30 for 24 months	Complete
0162158610	12/20/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1739: Postive mortgage payment history - Clayton Comments:  There are no payments in the preceding 12 months CFCFS1746: Significant housing expense reduction - Clayton Comments:  Borrower will be making lower monthly housing payments. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 5 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0162158610	12/20/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1739: Postive mortgage payment history - Clayton Comments:  There are no payments in the preceding 12 months CFCFS1746: Significant housing expense reduction - Clayton Comments:  Borrower will be making lower monthly housing payments. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 5 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0918197844				CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B1 has documented bonus income not being used to qualify. CFCFS2860: Good credit history - Clayton Comments:  At minimum 0x30x24 on all consumer debt for each borrower.	Complete
0188737332	(No Data)	Numeric	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 19 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $133.092.28. Required reserves $0. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 80%.	Complete
0188737332	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 19 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $133.092.28. Required reserves $0. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 80%.	Complete
0137045776				CFCFS2860: Good credit history - Clayton Comments:  99 months of 0x30 consumer history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 13.47%; program maximum of 43%.	Complete
0571679357				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 10 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 11 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 797	Complete
0567221797	12/9/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  B's have made mortgage payments without lates in the last two years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 4 years in XXX.	Complete
0567221797	12/9/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  B's have made mortgage payments without lates in the last two years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 4 years in XXX.	Complete
0292673590				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 10 years and 11 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total documented and effective amount of assets is $182,181.29.  $0.00 cash to close.  Total assets include gift amounts of $192,928.  Per AUS $0.00 reserves required.	Complete
0443369031				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 789 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 24%. Program maximum is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves of $23,396.99 exceed guidelines.	Complete
0329133969				CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been at current residence for 10 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 20 years 1 month. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 80%	Complete
0328015144				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 15 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 10 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 812	Complete
0329706408				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years and 4 months at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has a DTI of 23.26 which is 21.74 points below the required DTI	Complete
0169759958				CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history CFCFS1744: DTI below guideline requirement - Clayton Comments:  10.97% DTI which is below the guideline maximum, Max DTI for program is 50% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0221882077				CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 51.10% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence 17 years, 6 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $539,988.4. Required reserves $0.	Complete
0754364837				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a score of 786 which exceeds required score by 86 points CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 14 years in profession	Complete
0536358853	(No Data)	Not Applicable	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 8.86% below guideline requirements. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 769 per credit report in file. CFCFS2860: Good credit history - Clayton Comments:  Borrower has minimum liabilities on credit report.	Complete
0711813703				CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 740 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has cash reserves of $593,055.83.	Complete
0014838706				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 781 per credit report in tile. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV at 38.00% which is below guideline requirements. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 16 years of employment in current profession.	Complete
0959102165				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 11 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 805 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.	Complete
0232361891				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 22 years 10 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 5 years, 5 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 58%.	Complete
0744639106				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 799 per credit report in file. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 21 years, 5 months living at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 24 years of XXX, as well as employed.	Complete
0631100046	01/27/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed for 14 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have lived at current residence for 12 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 80%. Calculated LTV 74%.	Complete
0631100046	01/27/22: Exception satified	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed for 14 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have lived at current residence for 12 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 80%. Calculated LTV 74%.	Complete
0631100046	(No Data)	Not Applicable	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed for 14 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have lived at current residence for 12 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 80%. Calculated LTV 74%.	Complete
0631100046	(No Data)	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed for 14 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have lived at current residence for 12 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 80%. Calculated LTV 74%.	Complete
0104665752				CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash Reserves $96,877.76, CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico  787	Complete
0414067410	12/20/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with current employer for the past 13.6 years as a XXX CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned current residence for the past 9 years.	Complete
0414067410	12/20/21 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with current employer for the past 13.6 years as a XXX CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned current residence for the past 9 years.	Complete
0432496399	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 799 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 5 years. CFCFS2860: Good credit history - Clayton Comments:  There are no derogatory account reported. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  75 months of 0x30 consumer credit history.	Complete
0432496399	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 799 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 5 years. CFCFS2860: Good credit history - Clayton Comments:  There are no derogatory account reported. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  75 months of 0x30 consumer credit history.	Complete
0648797463	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 13 years and 6 months at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a score of 707 which exceeds the required score by 7 points.	Complete
0594847162	12/21/2021: Lender provided COCs. Exception satisfied.	Numeric	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 10 years, 6 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has 14 years, 3 months on current job. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 80%. Calculated LTV 74%.	Complete
0446619537				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 8 years in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a representative score of 798 which exceeds the required score by 98 points	Complete
0917161843				CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.47%; program maximum of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total documented assets of $818,447.26 with an effective amount of $792,096.93 less cash to close of $253,580.41= $538,516.52.  Per AUS $0.00 reserves required.	Complete
0178575842				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 10 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been with the same employer for 11 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 762	Complete
0634689028				CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualified score of 797 per credit report in file. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 3 years living at current resident in file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years as a XXX in current profession.	Complete
0419804028	12/21/2021: Exception satisfied. Documents received.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 14 years in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a representative score of 804 which exceeds the required score by 104 points.	Complete
0419804028	12/21/2021: Exception satisfied. Lender provided initial signed CD	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 14 years in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a representative score of 804 which exceeds the required score by 104 points.	Complete
0419804028	12/20/21: Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 14 years in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a representative score of 804 which exceeds the required score by 104 points.	Complete
0419804028	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 14 years in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a representative score of 804 which exceeds the required score by 104 points.	Complete
0770430927	12/8/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been at current job for 8 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total documented assets of $225,560.10, $158,464.26 cash to close.  Per AUS total funds required to be verified $158,102.09, no reserves required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  797 mid-score qualifying per CBR	Complete
0556596157	12/20/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has a significant time of 10 years at the current job. CFCFS2854: Significant time in profession - Clayton Comments:  Co-Borrower has a significant time of 11 years in the same profession. CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  21.88% DTI which is below the guideline maximum, Max DTI for program is 50%	Complete
0765131526				CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.14% DTI which is below the guideline maximum, Max DTI for program is 50% CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past 0*30 for 24 months	Complete
0781132130	12.29.21 - Exception satisfied.	(No Data)	Not Applicable	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 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 717	Complete
0781132130	12.29.21 - Exception satisfied.	(No Data)	Not Applicable	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 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 717	Complete
0781132130	12.29.21 - Exception satisfied.	(No Data)	Not Applicable	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 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 717	Complete
0428071336				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has a significant time of 11 years in the same profession. CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history.	Complete
0403458178	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 7 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total documented assets of $200,193.13 less $174,489.00 cash to close= $25,704.13. Per AUS $0.00 reserves, $174,529.83 Cash to Close, $174,529.83 total assets required to be verified.	Complete
0403458178	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 7 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total documented assets of $200,193.13 less $174,489.00 cash to close= $25,704.13. Per AUS $0.00 reserves, $174,529.83 Cash to Close, $174,529.83 total assets required to be verified.	Complete
0336192908				CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been at current job for 6 years and 1 month. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total documented assets of $268,840.71.  $0.00 cash to close. Per AUS $0.00 reserves required.	Complete
0082728200				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has a significant time of 18 years in the same profession. CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history.	Complete
0345232258				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1  Fico  778;  B2  fico 777 CFCFS1739: Postive mortgage payment history - Clayton Comments:  No mortgage lates	Complete
0130381022	(No Data)	(No Data)	Not Applicable	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 7 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a score of 786 which is 86 points above the required score.	Complete
0203895893				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 12 years and 7 months. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  B1 has paid monthly mortgage payments without lates for the last two years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0466409569				CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  55 months of 0x30 consumer history per CBR CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 7 months at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have a DTI of 34.74 which is 8.26 points below the required DTI.	Complete
0025930914	12/21/2021: satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 718 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 5 years	Complete
0871293004	(No Data)	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified effective assets of $1,995,590.55; cash required to close of $629,799.42; reserves of 1,365,791.13 or 214.95 months PITI; per DU findings reserves of $38,123.06 required. CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has assets > $1M	Complete
0871293004	(No Data)	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified effective assets of $1,995,590.55; cash required to close of $629,799.42; reserves of 1,365,791.13 or 214.95 months PITI; per DU findings reserves of $38,123.06 required. CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has assets > $1M	Complete
0477746254	(No Data)	Numeric	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 33.92%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $$331,259.29. Required reserves $3,213.00.	Complete
0477746254	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 33.92%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $$331,259.29. Required reserves $3,213.00.	Complete
0923644806				CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 12 years 10 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max HCLTV 95%. Calculated HCLTV 53%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $14,090.00. Required reserves $0.00.	Complete
0433542669				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 18 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 721 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.	Complete
0058951912	1/4/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 18 years and 7 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total documented assets of $144,976.53 with an effective amount of $86,989.52.  $0.00 cash to close.  Per AUS $21,139.36 reserves required, total funds of $21,139.36 required to be verified.	Complete
0799341089	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  26.08% DTI which is below the guideline maximum, Max DTI for program is 50% CFCFS2860: Good credit history - Clayton Comments:  Borrower has 0 x 30 on all credit accounts for the past 24 months	Complete
0237686792				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 5 years.	Complete
0966813293	12/23/21: Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has worked in the same profession for 12 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job, 15 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history.	Complete
0966813293	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has worked in the same profession for 12 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job, 15 years. CFCFS2860: Good credit history - Clayton Comments:  The borrowers have good credit history.	Complete
0720960825				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 6 years 5 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $121,348.43. Required reserves $0.	Complete
0337811806				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 13 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 4 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 804	Complete
0687185214				CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has a significant time of 7 years in the same profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  790 mid score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0072833270				CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total documented assets of $212,217.37, less amount paid prior to closing $177,036.46= $35,180.91. $0.00 cash to close. Per AUS $0.00 reserves required. CFCFS2860: Good credit history - Clayton Comments:  99 months of 0x30 consumer history.	Complete
0156111422	12/21/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current XXX job for 12 years and 1 month. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total documented assets of $309,365.74 with an effective amount of $226,444.02. $0.00 cash to close.  Per AUS $26,085.46 reserves and total funds required to be verified.	Complete
0156111422	12/21/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current XXX job for 12 years and 1 month. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total documented assets of $309,365.74 with an effective amount of $226,444.02. $0.00 cash to close.  Per AUS $26,085.46 reserves and total funds required to be verified.	Complete
0156111422	12/21/2021- Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current XXX job for 12 years and 1 month. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total documented assets of $309,365.74 with an effective amount of $226,444.02. $0.00 cash to close.  Per AUS $26,085.46 reserves and total funds required to be verified.	Complete
0156111422	12/23/2021: exception satisfied	Non-Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current XXX job for 12 years and 1 month. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total documented assets of $309,365.74 with an effective amount of $226,444.02. $0.00 cash to close.  Per AUS $26,085.46 reserves and total funds required to be verified.	Complete
0156111422	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current XXX job for 12 years and 1 month. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total documented assets of $309,365.74 with an effective amount of $226,444.02. $0.00 cash to close.  Per AUS $26,085.46 reserves and total funds required to be verified.	Complete
0991500500				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 723 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 15 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75%. Program maximum is 80%.	Complete
0850707507	(No Data)	Numeric	Not Applicable	CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history exceeds guidelines with 0 x 30 for the past 36 months or more. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job with 18.3 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower's have good credit history with 0x30x24.	Complete
0850707507	12/20/21: Exception satisfied	(No Data)	Not Applicable	CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history exceeds guidelines with 0 x 30 for the past 36 months or more. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job with 18.3 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower's have good credit history with 0x30x24.	Complete
0850707507	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history exceeds guidelines with 0 x 30 for the past 36 months or more. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job with 18.3 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower's have good credit history with 0x30x24.	Complete
0824295564				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 13 years and 7 months at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has a DTI of 24.93 which is 20.07 points below the required DTI CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0059604827	12/13/2021: Exception Satisfied.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been at current job for 6 years and 3 months. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  B1 has made mortgage payments without lates for the past two years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0059604827	12/13/2021: Exception Satisfied.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been at current job for 6 years and 3 months. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  B1 has made mortgage payments without lates for the past two years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0627515435				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 770 CFCFS1739: Postive mortgage payment history - Clayton Comments:  There are no late payments in the preceding 12 months	Complete
0848207826				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 8 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 796 CFCFS2860: Good credit history - Clayton Comments:  There are no derogatory accounts reported	Complete
0310388995				CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with the same employer for 9 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 4 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has reserves in the amount of $88,093.29	Complete
0923678122				CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.38% DTI which is below the guideline maximum, Max DTI for program is 50% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has a significant time of XXX in the same profession. CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  XXX of 0x30 consumer history.	Complete
0173168900				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 5 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has cash reserves of $45,006.53 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36%. Program maximum is 43%.	Complete
0208473851				CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have lived at current residence for 5 years 5 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 72%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $89.732.27. Required reserves $18,178. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0391337768				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 806 CFCFS2860: Good credit history - Clayton Comments:  There are no derogatory accounts reported. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has reserves of $208,224.69.	Complete
0050585954				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 801 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 5 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 15 years	Complete
0529669985				CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  743 mid-score qualified per CBR. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $181,568.01. Required reserves $0. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 11 years 1 month. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have lived at current residence for 7 years , 9 months.	Complete
0678451157				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 797 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at the current address for 10 years CFCFS2860: Good credit history - Clayton Comments:  There are no derogatory accounts reported CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has cash reserves of $14,657.30	Complete
0334437324	1/3/22 - Exception satisfied.	(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 12 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a score of 774 which exceeds the required score by 74 points.	Complete
0334437324	XXX - Exception satisfied.	(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 12 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a score of 774 which exceeds the required score by 74 points.	Complete
0334437324	1/3/22 - Exception satisfied.	(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 12 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a score of 774 which exceeds the required score by 74 points.	Complete
0992198396	(No Data)	Numeric	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  99 months of 0x30 consumer credit history. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 5 years and 7 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total document assets of $4,541,398.04 with an effective amount of $2,801,456.60 and liquid amount of $191,566.94. Reserves required of $0.00, cash to close $140,906.55, funds required to be verified $143,409.30.	Complete
0985309541				CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 34.16 months exceeds 0 months required per AUS. CFCFS1747: Housing expense increase is 10% or less - Clayton Comments:  Payment shock of 2.52% is minimal.	Complete
0629286718				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a score of 768 which exceeds the required score by 68 points CFCFS2860: Good credit history - Clayton Comments:  0X60 credit history	Complete
0423150602	12/21/2021: No COC submitted. Awaiting proof of refund.1.10.22 - Exception satisfied	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 771 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 5 years CFCFS2860: Good credit history - Clayton Comments:  There are no derogatory accounts reported.	Complete
0740519320				CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job 8 years 6 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $13,730.00. Required reserves $0.00. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Current housing expense $4,312. New housing expense $3,960.50. Reduction of $351.50	Complete
0382041256	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves > 120 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 16.54% is less than maximum required.	Complete
0246546879	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been XXX for 10 years and 3 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  CD required $1,512.19 to close. Statements in file supported assets of $425,082.74 with reserves of $423,570.55.  $0.00 reserves required, total funds to be verified of $2,027.99. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.	Complete
0711664385	(No Data)	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total document assets of $200,056.82 with an effective amount of $194,944.12 and liquid amount of $187,400.07. Reserves required of $0.00, cash to close $165,599.00, funds required to be verified $164,759.58. CFCFS2860: Good credit history - Clayton Comments:  B reflects a credit history of Mortgage, Lease, and Revolving accounts with an oldest tradeline date of XXX and payments made without lates.	Complete
0711664385	(No Data)	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total document assets of $200,056.82 with an effective amount of $194,944.12 and liquid amount of $187,400.07. Reserves required of $0.00, cash to close $165,599.00, funds required to be verified $164,759.58. CFCFS2860: Good credit history - Clayton Comments:  B reflects a credit history of Mortgage, Lease, and Revolving accounts with an oldest tradeline date of XXX and payments made without lates.	Complete
0711664385	12/23/2021 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total document assets of $200,056.82 with an effective amount of $194,944.12 and liquid amount of $187,400.07. Reserves required of $0.00, cash to close $165,599.00, funds required to be verified $164,759.58. CFCFS2860: Good credit history - Clayton Comments:  B reflects a credit history of Mortgage, Lease, and Revolving accounts with an oldest tradeline date of XXX and payments made without lates.	Complete
0169686108				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 6 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been with the same employer for 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 772	Complete
0665222452				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 0*30 for 24 months CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history CFCFS1737: LTV below guideline requirements - Clayton Comments:  54.91% LTV which is below the guideline maximum, Max LTV for program is 90%	Complete
0022698936	(No Data)	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with current employer for 25 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower has been employed with current employer for 8 years.	Complete
0518706050				CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 5 years CFCFS2860: Good credit history - Clayton Comments:  There are no derogatory accounts reported. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 767	Complete
0695787451				CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has a significant time of 11 years at the current residence. CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history.	Complete
0867777388				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 15 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 785 CFCFS2860: Good credit history - Clayton Comments:  There are no derogatory accounts reported. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of consumer history 0x30 per CBR in file	Complete
0452152339	01/03/2022 -Exception satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 79%. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Current housing expense $4,279.53. New housing expense $3,809.23. Housing expense reduction $470.30 monthly CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0452152339	01/03/20222: Exception satisfied	Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 95%. Calculated LTV 79%. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Current housing expense $4,279.53. New housing expense $3,809.23. Housing expense reduction $470.30 monthly CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history.	Complete
0612917914				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 16 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been with the same employer for 12 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 780	Complete
0862067344				CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 742 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 16 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for 20 years.	Complete
0393502836				CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has a significant time of 11 years in the same profession. CFCFS2860: Good credit history - Clayton Comments:  Borrower does not have any late related occurrences during the entire credit history	Complete

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2022-2
Start - End Dates:	11/2021 - 12/2021
Deal Loan Count:	249
Conditions Report 2.0
Loans in Report:	249
Loans with Conditions:	130

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
0782417120	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A	A	A
0403089529	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0715911134	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0475940272	Yes	XXXXXX	XXXXXX	B	B	B	B	B	A	A	A
0710123293	Yes	XXXXXX	XXXXXX	B	A	A	A	B	A	A	A
0630398836	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0623412589	Yes	XXXXXX	XXXXXX	C	B	B	B	C	A	A	A
0445151170	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	C	A
0354538577	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0214102677	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0908007770	Yes	XXXXXX	XXXXXX	B	A	A	A	B	A	A	A
0449703649	Yes	XXXXXX	XXXXXX	C	B	B	B	C	A	A	A
0637983431	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	D	A
0858385150	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0378927436	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0384237712	Yes	XXXXXX	XXXXXX	B	A	A	A	B	A	A	A
0630592390	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A	C	A
0055409414	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0159950521	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0930925589	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0561446869	Yes	XXXXXX	XXXXXX	C	A	A	A	B	A	C	A
0960458099	Yes	XXXXXX	XXXXXX	B	B	B	B	B	A	A	A
0180455225	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0963011596	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0818556132	Yes	XXXXXX	XXXXXX	D	A	D	A	B	A	A	A
0329381414	Yes	XXXXXX	XXXXXX	D	B	B	B	D	A	D	A
0277992306	Yes	XXXXXX	XXXXXX	C	B	A	A	C	B	A	A
0205206384	Yes	XXXXXX	XXXXXX	B	A	A	A	B	A	A	A
0858231900	Yes	XXXXXX	XXXXXX	B	A	A	A	B	A	A	A
0358391248	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0272340507	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0675703245	Yes	XXXXXX	XXXXXX	C	B	A	A	C	B	A	A
0555771390	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0714354368	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0824365596	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0765442939	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0825424909	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0285148298	Yes	XXXXXX	XXXXXX	D	C	C	C	C	A	D	A
0875088367	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0049130591	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0904710978	Yes	XXXXXX	XXXXXX	C	B	A	A	C	B	A	A
0437796128	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0008394533	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0568043370	Yes	XXXXXX	XXXXXX	D	A	D	A	B	A	A	A
0344086653	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0949907693	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0850465990	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0696788799	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0123760334	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0633280218	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0250454910	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0799906339	Yes	XXXXXX	XXXXXX	C	B	A	A	C	B	A	A
0012466434	Yes	XXXXXX	XXXXXX	C	B	A	A	C	B	A	A
0097948747	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0157245913	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0644179430	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0929699124	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0348250287	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0029836935	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0106352761	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0330038584	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0708092167	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0969584651	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0327367784	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0400516704	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0727366194	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0943810048	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0657467883	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A	C	A
0893453908	Yes	XXXXXX	XXXXXX	D	B	D	A	C	B	D	A
0027618395	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0819163420	Yes	XXXXXX	XXXXXX	C	B	A	A	C	B	A	A
0784847525	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0405408809	Yes	XXXXXX	XXXXXX	D	B	D	A	C	B	A	A
0738161377	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0333480713	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0703473453	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0844874525	Yes	XXXXXX	XXXXXX	B	A	A	A	B	A	A	A
0765037886	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0657966609	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0976648082	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0758359829	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0273809861	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	D	A
0027940674	Yes	XXXXXX	XXXXXX	D	A	C	A	D	A	A	A
0389200291	Yes	XXXXXX	XXXXXX	C	B	A	A	C	B	A	A
0095090144	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0823071411	Yes	XXXXXX	XXXXXX	C	B	C	A	C	B	B	A
0721144840	Yes	XXXXXX	XXXXXX	B	A	A	A	B	A	A	A
0894925349	Yes	XXXXXX	XXXXXX	C	B	A	A	C	B	A	A
0141298780	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0995058223	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0531421981	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0706786042	Yes	XXXXXX	XXXXXX	C	B	A	A	C	B	A	A
0126289448	Yes	XXXXXX	XXXXXX	D	A	A	A	A	A	D	A
0891374962	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0336020403	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0232760193	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0133677363	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0007795623	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	D	A
0757327098	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0237281961	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	C	A
0715988083	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0880265115	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A	B	B
0547897711	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0707084603	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0142564700	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0768261197	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0021384649	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0496977099	Yes	XXXXXX	XXXXXX	C	A	C	A	C	A	A	A
0975862117	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0239773350	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0018249871	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0881697499	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0327239512	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0130544281	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0397337026	Yes	XXXXXX	XXXXXX	C	B	A	A	C	B	A	A
0668651576	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0816533443	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0619326148	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0693754264	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0768047291	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0454939527	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0807205960	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0144613612	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0111590312	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0113098186	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0514203848	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0111052866	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0083437480	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0862325390	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0375813865	Yes	XXXXXX	XXXXXX	C	B	A	A	C	B	A	A
0402715806	Yes	XXXXXX	XXXXXX	C	B	C	A	C	B	A	A
0460665636	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0945942521	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	D	A
0242688902	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0747326820	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0475813060	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0525523880	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A	B	B
0740264344	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A	B	B
0227515511	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0545076763	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0046142574	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0652761504	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A	C	B
0121573025	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0415723703	Yes	XXXXXX	XXXXXX	D	B	D	A	A	A	B	B
0014782320	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A	B	B
0121824652	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0033526418	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0888912331	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0617332992	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0955021934	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0038622659	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0278414636	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0271056797	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0938536815	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0836170148	Yes	XXXXXX	XXXXXX	B	A	A	A	B	A	A	A
0668758773	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0981846466	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0048664644	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0982062550	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0162158610	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	D	A
0918197844	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0188737332	Yes	XXXXXX	XXXXXX	B	A	A	A	B	A	A	A
0137045776	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0571679357	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0567221797	Yes	XXXXXX	XXXXXX	D	A	C	A	A	A	D	A
0292673590	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0443369031	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0329133969	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0328015144	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0329706408	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0169759958	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0221882077	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0754364837	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0536358853	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A	A	A
0711813703	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0014838706	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0959102165	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0232361891	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0744639106	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0631100046	Yes	XXXXXX	XXXXXX	C	C	C	C	A	A	A	A
0104665752	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0414067410	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	D	A
0432496399	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0648797463	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A	B	B
0594847162	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A	C	B
0446619537	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0917161843	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0178575842	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0634689028	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0419804028	Yes	XXXXXX	XXXXXX	D	B	A	A	C	B	D	A
0770430927	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0556596157	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0765131526	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0781132130	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	D	A
0428071336	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0403458178	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A	B	B
0336192908	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0082728200	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0345232258	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0130381022	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A	B	B
0203895893	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0466409569	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0025930914	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A	C	B
0871293004	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0477746254	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0923644806	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0433542669	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0058951912	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0799341089	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0237686792	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0966813293	Yes	XXXXXX	XXXXXX	C	B	A	A	C	B	A	A
0720960825	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0337811806	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0687185214	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0072833270	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0156111422	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	C	A
0991500500	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0850707507	Yes	XXXXXX	XXXXXX	C	B	A	A	C	B	A	A
0824295564	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0059604827	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A	C	A
0627515435	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0848207826	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0310388995	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0923678122	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0173168900	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0208473851	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0391337768	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0050585954	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0529669985	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0678451157	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0334437324	Yes	XXXXXX	XXXXXX	D	A	C	A	A	A	D	A
0992198396	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0985309541	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0629286718	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0423150602	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A	C	B
0740519320	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0382041256	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A	B	B
0246546879	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A	B	B
0711664385	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0169686108	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0665222452	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0022698936	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0518706050	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0695787451	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0867777388	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0452152339	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A	C	B
0612917914	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0862067344	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0393502836	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A

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	Did Lender Acknowledge Exception at Origination
0782417120	B	B	B	B	A	A	A	A	Not Applicable
0403089529	C	A	A	A	C	A	A	A	Not Applicable
0715911134	A	A	A	A	A	A	A	A	Not Applicable
0475940272	B	B	B	B	B	A	A	A	Not Applicable
0710123293	B	A	A	A	B	A	A	A	Not Applicable
0630398836	A	A	A	A	A	A	A	A	Not Applicable
0623412589	C	B	B	B	C	A	A	A	Not Applicable
0445151170	C	A	C	A	A	A	C	A	Not Applicable
0354538577	C	A	C	A	A	A	A	A	Not Applicable
0214102677	A	A	A	A	A	A	A	A	Not Applicable
0908007770	B	A	A	A	B	A	A	A	Not Applicable
0449703649	C	B	B	B	C	A	A	A	Not Applicable
0637983431	D	A	D	A	A	A	D	A	Not Applicable
0858385150	A	A	A	A	A	A	A	A	Not Applicable
0378927436	A	A	A	A	A	A	A	A	Not Applicable
0384237712	B	A	A	A	B	A	A	A	Not Applicable
0630592390	C	A	A	A	A	A	C	A	Not Applicable
0055409414	A	A	A	A	A	A	A	A	Not Applicable
0159950521	A	A	A	A	A	A	A	A	Not Applicable
0930925589	C	A	C	A	A	A	A	A	Not Applicable
0561446869	C	A	A	A	B	A	C	A	Not Applicable
0960458099	B	B	B	B	B	A	A	A	Not Applicable
0180455225	A	A	A	A	A	A	A	A	Not Applicable
0963011596	C	A	C	A	A	A	A	A	Not Applicable
0818556132	D	A	D	A	B	A	A	A	Not Applicable
0329381414	D	B	B	B	D	A	D	A	Not Applicable
0277992306	C	A	A	A	C	A	A	A	Not Applicable
0205206384	B	A	A	A	B	A	A	A	Not Applicable
0858231900	B	A	A	A	B	A	A	A	Not Applicable
0358391248	C	A	A	A	C	A	A	A	Not Applicable
0272340507	A	A	A	A	A	A	A	A	Not Applicable
0675703245	C	A	A	A	C	A	A	A	Not Applicable
0555771390	C	A	C	A	A	A	A	A	Not Applicable
0714354368	A	A	A	A	A	A	A	A	Not Applicable
0824365596	A	A	A	A	A	A	A	A	Not Applicable
0765442939	A	A	A	A	A	A	A	A	Not Applicable
0825424909	A	A	A	A	A	A	A	A	Not Applicable
0285148298	D	C	C	C	C	A	D	A	Not Applicable
0875088367	A	A	A	A	A	A	A	A	Not Applicable
0049130591	A	A	A	A	A	A	A	A	Not Applicable
0904710978	C	A	A	A	C	A	A	A	Not Applicable
0437796128	A	A	A	A	A	A	A	A	No
0008394533	A	A	A	A	A	A	A	A	Not Applicable
0568043370	D	A	D	A	B	A	A	A	Not Applicable
0344086653	A	A	A	A	A	A	A	A	Not Applicable
0949907693	A	A	A	A	A	A	A	A	Not Applicable
0850465990	A	A	A	A	A	A	A	A	Not Applicable
0696788799	C	A	C	A	A	A	A	A	Not Applicable
0123760334	A	A	A	A	A	A	A	A	Not Applicable
0633280218	A	A	A	A	A	A	A	A	Not Applicable
0250454910	A	A	A	A	A	A	A	A	Not Applicable
0799906339	C	A	A	A	C	A	A	A	Not Applicable
0012466434	C	A	A	A	C	A	A	A	Not Applicable
0097948747	A	A	A	A	A	A	A	A	No
0157245913	A	A	A	A	A	A	A	A	Not Applicable
0644179430	A	A	A	A	A	A	A	A	No
0929699124	A	A	A	A	A	A	A	A	Not Applicable
0348250287	A	A	A	A	A	A	A	A	Not Applicable
0029836935	A	A	A	A	A	A	A	A	Not Applicable
0106352761	C	A	A	A	C	A	A	A	Not Applicable
0330038584	C	A	A	A	C	A	A	A	Not Applicable
0708092167	D	A	D	A	A	A	A	A	Not Applicable
0969584651	A	A	A	A	A	A	A	A	Not Applicable
0327367784	A	A	A	A	A	A	A	A	Not Applicable
0400516704	A	A	A	A	A	A	A	A	Not Applicable
0727366194	A	A	A	A	A	A	A	A	Not Applicable
0943810048	C	A	A	A	C	A	A	A	Not Applicable
0657467883	C	A	A	A	A	A	C	A	Not Applicable
0893453908	D	A	D	A	C	A	D	A	Not Applicable
0027618395	A	A	A	A	A	A	A	A	Not Applicable
0819163420	C	A	A	A	C	A	A	A	Not Applicable
0784847525	D	A	D	A	A	A	A	A	Not Applicable
0405408809	D	A	D	A	C	A	A	A	Not Applicable
0738161377	D	A	D	A	A	A	A	A	Not Applicable
0333480713	A	A	A	A	A	A	A	A	Not Applicable
0703473453	A	A	A	A	A	A	A	A	Not Applicable
0844874525	B	A	A	A	B	A	A	A	Not Applicable
0765037886	D	A	D	A	A	A	A	A	Not Applicable
0657966609	A	A	A	A	A	A	A	A	Not Applicable
0976648082	A	A	A	A	A	A	A	A	Not Applicable
0758359829	A	A	A	A	A	A	A	A	Not Applicable
0273809861	D	A	D	A	A	A	D	A	Not Applicable
0027940674	D	A	C	A	D	A	A	A	Not Applicable
0389200291	C	A	A	A	C	A	A	A	Not Applicable
0095090144	A	A	A	A	A	A	A	A	Not Applicable
0823071411	C	A	C	A	C	A	B	A	Not Applicable
0721144840	B	A	A	A	B	A	A	A	Not Applicable
0894925349	C	A	A	A	C	A	A	A	Not Applicable
0141298780	A	A	A	A	A	A	A	A	Not Applicable
0995058223	A	A	A	A	A	A	A	A	No
0531421981	A	A	A	A	A	A	A	A	Not Applicable
0706786042	C	B	A	A	C	B	A	A	Not Applicable
0126289448	D	A	A	A	A	A	D	A	Not Applicable
0891374962	C	A	A	A	C	A	A	A	Not Applicable
0336020403	A	A	A	A	A	A	A	A	Not Applicable
0232760193	A	A	A	A	A	A	A	A	Not Applicable
0133677363	A	A	A	A	A	A	A	A	Not Applicable
0007795623	D	A	D	A	A	A	D	A	Not Applicable
0757327098	A	A	A	A	A	A	A	A	No
0237281961	C	A	C	A	A	A	C	A	Not Applicable
0715988083	D	A	D	A	A	A	A	A	Not Applicable
0880265115	B	B	A	A	A	A	B	B	No
0547897711	A	A	A	A	A	A	A	A	Not Applicable
0707084603	A	A	A	A	A	A	A	A	Not Applicable
0142564700	C	A	A	A	C	A	A	A	Not Applicable
0768261197	A	A	A	A	A	A	A	A	Not Applicable
0021384649	A	A	A	A	A	A	A	A	Not Applicable
0496977099	C	A	C	A	C	A	A	A	Not Applicable
0975862117	A	A	A	A	A	A	A	A	Not Applicable
0239773350	A	A	A	A	A	A	A	A	Not Applicable
0018249871	A	A	A	A	A	A	A	A	No
0881697499	A	A	A	A	A	A	A	A	No
0327239512	A	A	A	A	A	A	A	A	Not Applicable
0130544281	A	A	A	A	A	A	A	A	No
0397337026	C	A	A	A	C	A	A	A	Not Applicable
0668651576	A	A	A	A	A	A	A	A	Not Applicable
0816533443	A	A	A	A	A	A	A	A	Not Applicable
0619326148	A	A	A	A	A	A	A	A	Not Applicable
0693754264	A	A	A	A	A	A	A	A	Not Applicable
0768047291	A	A	A	A	A	A	A	A	Not Applicable
0454939527	A	A	A	A	A	A	A	A	Not Applicable
0807205960	C	A	C	A	A	A	A	A	Not Applicable
0144613612	A	A	A	A	A	A	A	A	Not Applicable
0111590312	A	A	A	A	A	A	A	A	Not Applicable
0113098186	C	A	C	A	A	A	A	A	Not Applicable
0514203848	A	A	A	A	A	A	A	A	Not Applicable
0111052866	A	A	A	A	A	A	A	A	Not Applicable
0083437480	A	A	A	A	A	A	A	A	Not Applicable
0862325390	D	A	D	A	A	A	A	A	Not Applicable
0375813865	C	A	A	A	C	A	A	A	Not Applicable
0402715806	C	A	C	A	C	A	A	A	Not Applicable
0460665636	A	A	A	A	A	A	A	A	Not Applicable
0945942521	D	A	D	A	A	A	D	A	Not Applicable
0242688902	C	A	C	A	A	A	A	A	Not Applicable
0747326820	C	A	C	A	A	A	A	A	Not Applicable
0475813060	A	A	A	A	A	A	A	A	Not Applicable
0525523880	B	B	A	A	A	A	B	B	Not Applicable
0740264344	B	B	A	A	A	A	B	B	Not Applicable
0227515511	A	A	A	A	A	A	A	A	Not Applicable
0545076763	C	A	A	A	C	A	A	A	Not Applicable
0046142574	A	A	A	A	A	A	A	A	Not Applicable
0652761504	C	B	A	A	A	A	C	B	Not Applicable
0121573025	A	A	A	A	A	A	A	A	Not Applicable
0415723703	D	B	D	A	A	A	B	B	Not Applicable
0014782320	B	B	A	A	A	A	B	B	Not Applicable
0121824652	A	A	A	A	A	A	A	A	Not Applicable
0033526418	A	A	A	A	A	A	A	A	Not Applicable
0888912331	A	A	A	A	A	A	A	A	Not Applicable
0617332992	A	A	A	A	A	A	A	A	Not Applicable
0955021934	A	A	A	A	A	A	A	A	Not Applicable
0038622659	A	A	A	A	A	A	A	A	Not Applicable
0278414636	A	A	A	A	A	A	A	A	Not Applicable
0271056797	C	A	A	A	C	A	A	A	Not Applicable
0938536815	A	A	A	A	A	A	A	A	Not Applicable
0836170148	B	A	A	A	B	A	A	A	Not Applicable
0668758773	A	A	A	A	A	A	A	A	Not Applicable
0981846466	A	A	A	A	A	A	A	A	Not Applicable
0048664644	A	A	A	A	A	A	A	A	Not Applicable
0982062550	A	A	A	A	A	A	A	A	Not Applicable
0162158610	D	A	D	A	A	A	D	A	Not Applicable
0918197844	A	A	A	A	A	A	A	A	No
0188737332	B	A	A	A	B	A	A	A	No
0137045776	A	A	A	A	A	A	A	A	Not Applicable
0571679357	A	A	A	A	A	A	A	A	Not Applicable
0567221797	D	A	C	A	A	A	D	A	Not Applicable
0292673590	A	A	A	A	A	A	A	A	Not Applicable
0443369031	A	A	A	A	A	A	A	A	Not Applicable
0329133969	A	A	A	A	A	A	A	A	No
0328015144	A	A	A	A	A	A	A	A	Not Applicable
0329706408	A	A	A	A	A	A	A	A	Not Applicable
0169759958	A	A	A	A	A	A	A	A	Not Applicable
0221882077	A	A	A	A	A	A	A	A	Not Applicable
0754364837	A	A	A	A	A	A	A	A	No
0536358853	B	B	B	B	A	A	A	A	Not Applicable
0711813703	A	A	A	A	A	A	A	A	Not Applicable
0014838706	A	A	A	A	A	A	A	A	Not Applicable
0959102165	A	A	A	A	A	A	A	A	Not Applicable
0232361891	A	A	A	A	A	A	A	A	No
0744639106	A	A	A	A	A	A	A	A	Not Applicable
0631100046	C	C	C	C	A	A	A	A	No
0104665752	A	A	A	A	A	A	A	A	Not Applicable
0414067410	D	A	D	A	A	A	D	A	Not Applicable
0432496399	A	A	A	A	A	A	A	A	Not Applicable
0648797463	B	B	A	A	A	A	B	B	Not Applicable
0594847162	C	B	A	A	A	A	C	B	Not Applicable
0446619537	A	A	A	A	A	A	A	A	Not Applicable
0917161843	A	A	A	A	A	A	A	A	Not Applicable
0178575842	A	A	A	A	A	A	A	A	Not Applicable
0634689028	A	A	A	A	A	A	A	A	Not Applicable
0419804028	D	A	A	A	C	A	D	A	Not Applicable
0770430927	C	A	C	A	A	A	A	A	Not Applicable
0556596157	C	A	C	A	A	A	A	A	Not Applicable
0765131526	A	A	A	A	A	A	A	A	Not Applicable
0781132130	D	A	D	A	A	A	D	A	Not Applicable
0428071336	A	A	A	A	A	A	A	A	Not Applicable
0403458178	B	B	A	A	A	A	B	B	Not Applicable
0336192908	A	A	A	A	A	A	A	A	Not Applicable
0082728200	A	A	A	A	A	A	A	A	Not Applicable
0345232258	A	A	A	A	A	A	A	A	Not Applicable
0130381022	B	B	A	A	A	A	B	B	Not Applicable
0203895893	A	A	A	A	A	A	A	A	Not Applicable
0466409569	A	A	A	A	A	A	A	A	Not Applicable
0025930914	C	B	A	A	A	A	C	B	Not Applicable
0871293004	A	A	A	A	A	A	A	A	Not Applicable
0477746254	C	A	A	A	C	A	A	A	Not Applicable
0923644806	A	A	A	A	A	A	A	A	No
0433542669	A	A	A	A	A	A	A	A	Not Applicable
0058951912	C	A	A	A	C	A	A	A	Not Applicable
0799341089	C	A	A	A	C	A	A	A	Not Applicable
0237686792	A	A	A	A	A	A	A	A	Not Applicable
0966813293	C	A	A	A	C	A	A	A	Not Applicable
0720960825	A	A	A	A	A	A	A	A	No
0337811806	A	A	A	A	A	A	A	A	Not Applicable
0687185214	A	A	A	A	A	A	A	A	Not Applicable
0072833270	A	A	A	A	A	A	A	A	Not Applicable
0156111422	C	A	A	A	C	A	C	A	Not Applicable
0991500500	A	A	A	A	A	A	A	A	Not Applicable
0850707507	C	A	A	A	C	A	A	A	Not Applicable
0824295564	A	A	A	A	A	A	A	A	Not Applicable
0059604827	C	A	A	A	A	A	C	A	Not Applicable
0627515435	A	A	A	A	A	A	A	A	Not Applicable
0848207826	A	A	A	A	A	A	A	A	Not Applicable
0310388995	A	A	A	A	A	A	A	A	Not Applicable
0923678122	A	A	A	A	A	A	A	A	Not Applicable
0173168900	A	A	A	A	A	A	A	A	Not Applicable
0208473851	A	A	A	A	A	A	A	A	Not Applicable
0391337768	A	A	A	A	A	A	A	A	Not Applicable
0050585954	A	A	A	A	A	A	A	A	Not Applicable
0529669985	A	A	A	A	A	A	A	A	Not Applicable
0678451157	A	A	A	A	A	A	A	A	Not Applicable
0334437324	D	A	C	A	A	A	D	A	Not Applicable
0992198396	A	A	A	A	A	A	A	A	Not Applicable
0985309541	A	A	A	A	A	A	A	A	Not Applicable
0629286718	A	A	A	A	A	A	A	A	Yes
0423150602	C	B	A	A	A	A	C	B	Not Applicable
0740519320	A	A	A	A	A	A	A	A	No
0382041256	B	B	A	A	A	A	B	B	Not Applicable
0246546879	B	B	A	A	A	A	B	B	Not Applicable
0711664385	C	A	C	A	A	A	A	A	Not Applicable
0169686108	A	A	A	A	A	A	A	A	Not Applicable
0665222452	A	A	A	A	A	A	A	A	Not Applicable
0022698936	A	A	A	A	A	A	A	A	No
0518706050	A	A	A	A	A	A	A	A	Not Applicable
0695787451	A	A	A	A	A	A	A	A	Not Applicable
0867777388	A	A	A	A	A	A	A	A	Not Applicable
0452152339	C	B	A	A	A	A	C	B	Not Applicable
0612917914	A	A	A	A	A	A	A	A	Not Applicable
0862067344	A	A	A	A	A	A	A	A	Not Applicable
0393502836	A	A	A	A	A	A	A	A	Not Applicable

EX-99.6

Exhibit 99.6

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2022-2
Start - End Dates:	11/2021 - 12/2021
Deal Loan Count:	249
Waived Conditions Summary
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